KR20090001931A - System and method for concluding forward exchange transaction agreement and program recording medium - Google Patents

Abstract

A system and a method for concluding forward exchange transaction agreement are provided to enable an unskillful employee of a finance institution about forward exchange transaction to make a contract for forward exchange transaction easily, thereby recommending a mutual fund registration to a customer. A system and a method for concluding forward exchange transaction agreement comprise the following units. An information receiving unit receives registration information of overseas investment goods. A registration processing unit processes registration of overseas investment goods corresponding to the registration information of overseas investment goods. A contract processing unit deals with forward exchange transaction contract based on information about automatically quitted exchange rate.

Description

System and Method for Concluding Forward Exchange Transaction Agreement and Program Recording Medium}

1 is a diagram illustrating a face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and futures exchange transactions according to an embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium for storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

3 is a database in which a storage medium storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another embodiment of the present invention is linked to a ledger D / B provided in a DBMS on a financial system; It is a figure which shows the implementation method containing.

4 is a view showing an implementation method including a DBMS provided in a banking server a storage medium for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. to be.

5A and 5B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of an international mutual fund and a futures exchange transaction in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a forward exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of an international mutual fund and a futures exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of an external mutual fund and a forward exchange transaction in a face-to-face manner according to an embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and forward exchange transactions according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium for storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

11 is a storage medium for storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner according to another embodiment of the present invention associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

FIG. 12 illustrates an implementation method including a DBMS provided in a banking server in a storage medium storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. Drawing.

13A and 13B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a non-face-to-face manner according to one embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of an international mutual fund and a futures exchange transaction according to one embodiment of the present invention.

FIG. 15 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of an external mutual fund and a forward exchange transaction in a face-to-face manner according to an embodiment of the present invention.

<Description of main parts of drawing>

100: foreign mutual fund subscription server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: fund electronic document generation unit 132: fund electronic document transmission unit

135: information generating unit 140: financial account processing unit

145: Fund information storage unit 147: Forward exchange transaction contract processing unit

150: contract confirmation issuance processing unit 155: futures exchange electronic document generation unit

157: Forward exchange electronic document transmission unit 159: Forward exchange information storage unit

160: electronic document server 165: electronic document receiving unit

170: information generating unit 175: electronic document storage unit 180: electronic document D / B 185: storage medium 190: terminal device

The present invention comprises the steps of receiving the foreign investment product subscription application information including the forward exchange transaction consent information of a predetermined customer in a predetermined information receiving means, and the customer in response to the foreign investment product subscription application information in a predetermined subscription processing means Processing the foreign investment product subscription of the foreign currency, and a predetermined contract processing means automatically quotes the exchange rate of the foreign investment product for the future exchange transaction contract, and concludes the future exchange transaction contract based on the quoted exchange rate information. And storing the future exchange exchange contract conclusion information in association with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium in a predetermined information storage means. It relates to a fastening method.

Due to the development of the financial industry, much of the financial business has been computerized, which makes it easier to join various financial products.

However, when joining an overseas mutual fund, one of the financial instruments, it is preferable to enter into a forward exchange contract to hedge the risk of exchange rate fluctuations. There is a problem that must be concluded.

In addition, since the futures exchange contract process is complicated, it acts as a huge burden to the employees of immature financial institutions, there is a problem that can not properly recommend foreign mutual funds to customers.

An object of the present invention for solving the above problems, the information receiving means for receiving the foreign investment product subscription application information including the forward exchange transaction consent information of a predetermined customer, and in response to the foreign investment product subscription application information of the customer Subscription processing means for processing the foreign investment product subscription, and contract processing means for automatically quoting the exchange rate of the foreign investment product for the future exchange transaction contract, and concluding the future exchange transaction contract based on the exchange rate automatic quoting information. And information storage means for processing the forward exchange transaction contract conclusion information in association with the customer information (or foreign investment product information subscribed to by the customer) and storing the forward exchange transaction contract conclusion information in a predetermined storage medium.

The forward exchange transaction contract conclusion method according to the present invention comprises the steps of: receiving a foreign exchange product subscription application information including the forward exchange transaction consent information of a predetermined customer in a predetermined information receiving means; and the foreign investment product in a predetermined subscription processing means Processing the customer's subscription to the foreign investment product in response to the subscription application information; and automatically quotes an exchange rate of the foreign investment product for the future exchange transaction contract in a predetermined contract processing means, and obtains the quoted exchange rate information. Concluding the forward exchange transaction contract based on the pre-exchange and the predetermined information storage means to process the forward exchange transaction contract conclusion information in association with the customer information (or foreign investment product information subscribed to by the customer) and store the information on the predetermined storage medium. Characterized in that comprises a step.

In the forward exchange transaction contract conclusion method according to the invention, characterized in that it further comprises the step of transmitting the new forward exchange transaction contract information to the customer communication means in a predetermined information transmission means.

In the method of signing a forward exchange transaction contract according to the present invention, the contract processing means automatically quotes the exchange rate of the foreign investment product for the forward exchange transaction contract, and concludes the forward exchange transaction contract based on the quoted exchange rate information. The method may include generating predetermined mean futures exchange rate concentration information using foreign currency information, foreign investment product expiration date information, and foreign investment product transaction amount information for the foreign investment product, and swap points corresponding to the generated average futures exchange rate concentration rates. And confirming (or calculating) and quoting the exchange rate by applying the confirmed (or calculated) swap point.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-mentioned forward exchange transaction contract execution method.

On the other hand, the future exchange transaction contract conclusion system according to the present invention, the information receiving means for receiving the foreign investment product subscription application information including the information on the future exchange transaction consent of a predetermined customer and the customer in response to the foreign investment product subscription application information Subscription processing means for processing the foreign investment product subscription of the contract, the contract processing means for automatically quoting the exchange rate of the foreign investment product for the future exchange transaction contract, and conclude the future exchange transaction contract based on the exchange rate automatic quoting information And information storage means for processing the forward exchange transaction contract conclusion information in association with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium.

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

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

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

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

1 is a diagram illustrating a face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and futures exchange transactions according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer fills out an application for joining an overseas mutual fund including at least one of predetermined customer information, overseas mutual fund attribute information, and forward exchange transaction agreement information. When submitted, the fund joining institution subscribes to an overseas mutual fund for automatic currency hedge through the simultaneous signing of a futures exchange transaction with the overseas mutual fund based on the application information of the overseas mutual fund joining application corresponding to the overseas mutual fund joining application. The present invention relates to a system configuration for opening a predetermined financial account for managing foreign mutual funds. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention to view foreign mutual funds and forward exchanges. Overseas mutual funds for automatic currency hedging through simultaneous closing of transactions Would be able to infer a variety of exemplary methods for the 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 1.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 1, and the overseas mutual omitting the method of storing the foreign mutual fund subscription application electronic document in the electronic document repository. It is possible to infer the fund subscription system configuration, and also in the case of storing the foreign mutual fund subscription application electronic document in the electronic document repository, the electronic document repository is in addition to the implementation method shown in FIG. Although it can be inferred the implementation method provided in the DBMS located in the present invention, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the implementation method of generating the foreign mutual fund subscription application electronic document, an overseas mutual fund subscription application electronic document corresponding to the foreign mutual fund subscription application is placed on the foreign mutual fund subscription system. Although illustrated and described as being generated by the server side, the present invention is not limited thereto, and the overseas mutual fund subscription application electronic document is an image content corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device. May be generated on the terminal side (eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the overseas mutual fund subscription application electronic document), and the present invention is not limited thereto. .

Hereinafter, the customer subscribes to the overseas mutual fund in response to the overseas mutual fund subscription application and the overseas mutual fund subscription application information prepared by the customer through a predetermined financial product subscription interface on the overseas mutual fund subscription system shown in FIG. And a component corresponding to at least one or more means and / or functional configurations for generating a predetermined foreign mutual fund subscription application electronic document and storing the electronic document in a predetermined electronic document repository corresponding to the "international mutual fund subscription server 100". ) "

Referring to FIG. 1 according to an embodiment of the present invention, an overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of a foreign exchange fund and a futures exchange transaction is provided at at least one branch of a financial institution (or a branch). And a terminal device including a terminal, wherein the terminal device is connected to the overseas mutual fund subscription server 100 provided on the overseas mutual fund subscription system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund, and opens a window provided at the financial institution branch branch (branch branch). At least one application for joining a predetermined foreign mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund (or through a teller) A document with a form for filling in the above information items) is prepared, and it is preferable that the client seals the seal of the transaction for the legal basis for the application for joining the overseas mutual fund.

Subsequently, when the customer submits the completed overseas mutual fund subscription application to the counter employee, the counter staff scans the overseas mutual fund subscription application through a predetermined image acquisition device to acquire predetermined image content, and then selects a predetermined counter. Overseas mutual fund subscription application including at least one image content acquired in response to the overseas mutual fund subscription application through the terminal, customer information written in the overseas mutual fund subscription application, foreign mutual fund attribute information, forward exchange transaction information Information is inputted (or selected), and in response, the counter terminal transmits the image content and the overseas mutual fund subscription application information to the overseas mutual fund subscription system through the financial network. It is desirable to send to.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the foreign mutual fund subscription server 100 connected to the window terminal is on the predetermined financial system It is preferable to include a server (eg, ledger server, etc.) provided, the financial network connecting the teller terminal and the overseas mutual fund subscription server 100 is between the teller terminal and the overseas mutual fund subscription server 100 It is preferable to include a conventional network connecting the communication channels.

In the overseas mutual fund subscription system as described above, an image acquisition device for acquiring image contents corresponding to an overseas mutual fund subscription application prepared by the customer, a counter terminal used by the employee, the counter terminal and the overseas mutual fund subscription The financial network connecting the server 100 performs a function of a financial product subscription interface for registering the foreign mutual fund subscription application information for the customer to automatically hedge the foreign mutual fund through the simultaneous signing of a futures exchange transaction.

The storage medium 185 provided on the overseas mutual fund subscription system according to the present invention includes the customer information, the future exchange transaction contract information, and the financial product operation information included in the overseas mutual fund subscription application information provided from the terminal device. And storing foreign mutual fund subscription information including at least one financial account information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to an embodiment of the present invention, the storage medium 185 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or linked with the overseas mutual fund subscription system). When the storage medium 185 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 185 is provided with (or associated with) an international banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The overseas mutual fund subscription server 100 provided on the overseas mutual fund subscription system according to the present invention is a generic term for the components of the overseas mutual fund subscription system side connected to the terminal device through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the overseas mutual fund subscription server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto. .

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

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 105 establishes a communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the overseas mutual fund subscription server 100 is connected to the foreign mutual fund subscription server 100 through the interface unit 105 with a predetermined communication channel. Acquiring image contents corresponding to the overseas mutual fund subscription application prepared by the customer through a predetermined image acquisition device provided in the terminal device for automatic currency hedging through simultaneous mutual exchange of the mutual fund and the futures exchange transaction, and the overseas mutual fund subscription application form Generate (or extract) at least one user interface for inputting (or selecting) foreign mutual fund subscription application information corresponding to the at least one foreign mutual fund subscription server 100, and linking with the interface unit 105. Interface for providing the generated (or extracted) user interface to the terminal apparatus When the terminal 110 inputs (or selects) foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application through the user interface, the terminal device 110 connects the interface unit 105 with the interface unit 105. An information receiving unit 115 for receiving the overseas mutual fund subscription application information transmitted from a terminal device, and the overseas mutual fund subscription application prepared by the customer through a predetermined image acquisition device based on the user interface in the terminal device Acquiring and transmitting the image content, characterized in that it comprises an image receiving unit 120 for receiving the image content corresponding to the overseas mutual fund subscription application in connection with the interface unit 105.

The interface providing unit 110 connects a predetermined communication channel with the overseas mutual fund subscription server 100 through the interface unit 105, and then, the interface device 110 connects to the overseas mutual fund subscription server 100. When requesting a user interface for automatic currency hedging through simultaneous signing of an international mutual fund and a futures exchange transaction, an image content corresponding to the overseas mutual fund subscription application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device. Generating at least one user interface for inputting (or selecting) overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application and transmitting the information to the overseas mutual fund subscription server 100 through the financial network; And / or extracted from a predetermined database (not shown), and the interface unit ( And providing the generated (or extracted) user interface to the terminal device through the financial network.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the overseas mutual fund subscription application written by the customer through a predetermined image acquisition device, and subscribes to the overseas mutual fund corresponding to the overseas mutual fund subscription application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information and transmitting the information to the overseas mutual fund subscription server 100 through the financial network is provided, the predetermined information as described above is provided. Acquire an image content corresponding to an overseas mutual fund subscription application prepared by the customer through an image acquisition device, and input (or select) an overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application to join the overseas mutual fund User login to send to server 100 The interface providing unit 110 which generates (or extracts) a interface and provides the terminal device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction information through the user interface, and the input (or Selects) to transmit the foreign mutual fund subscription application information to the overseas mutual fund subscription server 100 through the financial network. In response, the information receiving unit 115 is connected to the interface unit 105 to the terminal device. Characterized in that for receiving the foreign mutual fund subscription application information transmitted from.

In addition, the terminal device obtains the image content corresponding to the overseas mutual fund subscription application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the overseas network through the financial network The image receiver 120 receives the image content corresponding to the overseas mutual fund subscription application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal apparatus acquires image contents corresponding to the overseas mutual fund subscription application prepared by the customer through a predetermined image acquisition apparatus, and is provided (or associated) with the terminal apparatus. If the storage device is previously stored in the storage device, the terminal device selects the image content corresponding to the overseas mutual fund subscription application written by the customer from the at least one or more image contents previously stored in the storage device through the user interface to the financial network. Through the transmission to the overseas mutual fund subscription server 100 through, in response to the image receiving unit 120 is preferably connected to the interface unit 105 to receive the image content corresponding to the foreign mutual fund subscription application. Do.

According to another embodiment of the present invention, the image content corresponding to the overseas mutual fund subscription application written by the customer through the user interface and the foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application in the terminal device; When transmitting together, the information receiving unit 115 may receive the image content corresponding to the overseas mutual fund subscription application and the overseas mutual fund subscription application information together with the interface unit 105 (for example, the image). The receiver 120 is integrated into the information receiver 115 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 1, when the overseas mutual fund subscription application information received from the terminal device is received through the information receiving unit 115, the overseas mutual fund subscription application information is received. Is characterized in that it comprises a validity verification unit 125 to confirm whether the foreign mutual funds and the validity for automatic currency hedging through simultaneous signing of futures exchange transactions.

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription information is at least one matched with the foreign mutual fund subscription information on the ledger D / B on the financial system linked to the foreign mutual fund subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

Referring to FIG. 1, the overseas mutual fund subscription server 100 receives the image content transmitted from the terminal device through the image receiving unit 120, and the overseas mutual fund through the validity checking unit 125. When the validity of the subscription application information is authenticated, a fund electronic document generation unit 130 for generating a predetermined overseas mutual fund subscription application electronic document including the received image content, and the generated overseas mutual fund subscription application electronic document It is characterized in that it comprises a fund electronic document transmission unit 132 for transmitting to the electronic document repository associated with the overseas mutual fund subscription system.

The fund electronic document generation unit 130 may generate an overseas mutual fund subscription application electronic document including the image content received from the terminal device through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the fund electronic document generation unit 130 exchanges an image file including the image content received from the terminal device through the image receiving unit 120 as a futures exchange transaction with the overseas mutual fund. It is advisable to process the electronic documents for foreign mutual fund membership for automatic currency hedging through simultaneous signing.

Alternatively, the fund electronic document generation unit 130 is included in the overseas mutual fund subscription information received through the information receiving unit 115 to the image content received from the terminal device through the image receiving unit 120. Image file corresponding to the image content including at least one of information, foreign mutual fund attribute information, futures exchange transaction information by watermarking method for the automatic currency hedge through simultaneous signing of the future mutual transaction with the foreign mutual fund It is desirable to generate an electronic document for applying for an overseas mutual fund.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 130 may include a predetermined document file (eg, PDF (Portable) including the image content received from the terminal device through the image receiving unit 120. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for joining an overseas mutual fund for automatic currency hedging through simultaneous transaction.

Alternatively, the fund electronic document generation unit 130 is included in the overseas mutual fund subscription information received through the information receiving unit 115 to the image content received from the terminal device through the image receiving unit 120. Generate image content including watermarking information of at least one of information, foreign mutual fund attribute information and forward exchange transaction agreement information, and include a predetermined document file (eg, PDF ( A Portable Document Format (EDI) file, 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). It is desirable to create an electronic document for signing up for overseas mutual funds for automatic currency hedging through simultaneous closing of transactions. The.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 130 receives the image content received from the terminal device through the image receiving unit 120 and the overseas received through the information receiving unit 115. 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 mutual fund subscription application information, or an MHT. By generating a web document file, etc.), it is preferable to generate an overseas mutual fund subscription application electronic document for automatic currency hedge through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the fund electronic document generation unit 130 is included in the overseas mutual fund subscription information received through the information receiving unit 115 to the image content received from the terminal device through the image receiving unit 120. Generate image content including at least one or more of information, foreign mutual fund attribute information, and future exchange transaction information by watermarking, and include the generated image content and the foreign mutual fund subscription information. Generate a 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 joining the overseas mutual fund for automatic currency hedging through simultaneous signing of the future mutual exchange with the foreign mutual fund It is desirable to create an application electronic document.

Those skilled in the art to which the present invention pertains, the fund electronic document generation unit 130 and the technical features of generating an electronic document for foreign mutual fund subscription in the form of an image file and / or a predetermined document file and Since the technical features of the file format of the image file and / or the document file corresponding to the foreign mutual fund subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

The fund electronic document transmission unit 132 transmits and stores the overseas mutual fund subscription application electronic document generated by the fund electronic document generation unit 130 to a predetermined electronic document repository associated with the overseas mutual fund subscription system. Characterized in that.

As shown in FIG. 1, the electronic document repository is connected to the foreign mutual fund subscription server 100 on the overseas mutual fund subscription system 100 through a predetermined communication means, and the electronic document server 160 and the electronic document D /. When provided externally, including the B 180, the fund electronic document transmission unit 132 is the foreign electronic fund subscription request electronic document generated by the fund electronic document generation unit 130 through the communication means Characterized in that the transmission to the electronic document server (160).

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the foreign mutual fund subscription system, the electronic document server 160 and the electronic document D / B 180 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 overseas mutual fund subscription system, the fund electronic document transmitting unit 132 is generated by the fund electronic document generating unit 130. It is possible to store the generated foreign mutual fund subscription application electronic document in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, whereby the present invention is not limited. No.

According to the method of the present invention, the fund electronic document transmission unit 132 is electronic document-related information for generating a predetermined electronic document management information in the electronic document server 160 (eg, overseas corresponding to the image content) Customer information for filling out a mutual fund subscription application, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document, and / or electronic document file format information, and / or the foreign mutual fund subscription application information, etc.). It is possible to transmit to the electronic document storage, including, thereby the present invention is not limited.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives a foreign currency subscription application information received through the information receiving unit 115 through a validity checking unit 125 and a future exchange transaction with the overseas mutual fund. When the validity for the automatic currency hedging through the conclusion is authenticated, the foreign mutual fund corresponding to the overseas mutual fund is based on the customer information, the foreign mutual fund attribute information, and the forward exchange transaction information included in the validity of the overseas mutual fund subscription application information. The financial product operation information based on the information generation unit 135 for generating predetermined financial product operation information, and the customer information, foreign mutual fund attribute information, and forward exchange transaction information included in the overseas mutual fund subscription application information; It is provided with a financial account processing unit 140 for opening and processing the financial account of the customer name including a And that is characterized.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirming unit 125, the information generation unit 135 includes customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, And generating predetermined financial instrument operation information corresponding to the foreign mutual fund based on the forward exchange transaction agreement information.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the information generator 135 may include customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, and future exchange transactions. Based on the agreement information, it is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the information generating unit 135 may include customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, Deposit information (or savings information) corresponding to the foreign mutual fund based on the forward exchange transaction agreement information (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage), subscription period, etc. It is preferable to create a deposit (or savings) attribute, including).

The financial account processor 140 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and is provided). After 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 foreign mutual fund subscription application information, the foreign mutual It is characterized by opening a predetermined financial account for automatic currency hedging through the simultaneous signing of funds and futures exchange transactions.

According to an embodiment of the present invention, when the foreign mutual fund subscription server 100 and the financial system exist in the same system, the financial account processing unit 140 is linked to the financial system in the ledger D / B. It is preferable to generate a predetermined ledger containing product management information.

According to another exemplary embodiment of the present invention, when the overseas mutual fund subscription server 100 and the financial system exist on another system connected through a predetermined communication means, the financial account processor 140 may provide a predetermined communication means. It is preferable to request a ledger D / B on the other financial system to create a predetermined ledger including the financial product operation information through the external system on the financial system.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives a foreign currency subscription application information received through the information receiving unit 115 through a validity checking unit 125 and a future exchange transaction with the overseas mutual fund. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 135 included in the validity of the foreign mutual fund subscription information And a fund information storage unit 145 for storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processing unit 140 in a predetermined storage medium 185. It features.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirmation unit 125, the fund information storage unit 145 stores the customer information and the forward exchange transaction contract information included in the overseas mutual fund subscription application information. Characterized in that the storage medium 185 is stored in the foreign mutual fund subscription information including at least one.

The fund information storage unit 145 may further include the generated financial product operation information in the overseas mutual fund subscription information when the financial product operation information generated by the information generation unit 135 is generated. The storage medium 185 is preferably stored.

In addition, the fund information storage unit 145, when the financial account including the financial product operation information is opened in the ledger D / B on the financial system, the financial account information is added to the foreign mutual fund subscription information It is preferable to store in the storage medium 185, including.

According to an embodiment of the present invention, when the storage medium 185 is provided in the overseas mutual fund subscription server 100 or on a network associated with the overseas mutual fund subscription server 100, the fund information. The storage unit 145 stores the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, the financial product operation information, and the financial account information included in the received overseas mutual fund subscription application information. It is desirable to store in the medium 185.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in a DBMS provided on a financial system, the fund information storage unit 145 may include the received foreign mutual fund subscription application information. Foreign mutual fund subscription information including customer information, futures exchange contract information, and at least one financial product operation information and financial account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. It is desirable to.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives the foreign mutual fund subscription application information received through the information receiver 115 through the validity checker 125 and a future exchange transaction with the overseas mutual fund. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 135 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and financial account information generated by the financial account processor 140 in a predetermined storage medium 185. In connection with the storage unit 145, a forward exchange subscription for simultaneously entering a forward exchange transaction in response to overseas mutual fund subscription information is performed. The futures exchange process automatically quotes the exchange rate, and processes the futures exchange transaction application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information to automatically conclude a futures exchange transaction contract in response to the automatically quoted exchange rate. It is characterized by comprising a transaction contract processing unit 147.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system linked to the overseas mutual fund subscription system in response to the customer It is preferable to comprise as mentioned above.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining the product, foreign mutual funds are invested in foreign currency rather than domestic currency, so in order to hedge the exchange risk due to exchange rate difference between the foreign currency and domestic currency, It is desirable to include cost information for futures exchange contracts that correspond to transaction costs.

The future exchange transaction contract processing unit 147 is for the automatic currency hedge through the foreign mutual fund subscription application information received through the information receiving unit 115 through the validity verification unit 125 through the simultaneous signing of the foreign mutual fund and the future exchange transaction If the validity is authenticated, the financial information management information and the financial account processing unit generated by the customer information and the forward exchange transaction contract information and the information generation unit 135 included in the overseas mutual fund subscription application information whose validity is authenticated ( When the foreign mutual fund subscription information including at least one or more financial account information generated by 140 is stored in a predetermined storage medium 185, the foreign mutual fund subscription information is linked to the fund information storage unit 145 for storing the foreign mutual fund subscription information. Quotation of exchange rates for futures exchange signings to simultaneously close futures exchanges in response to overseas mutual fund subscriptions And processing the forward exchange transaction contract application information including at least one of customer information, forward exchange transaction attribute information, and transaction cost information to automatically conclude a forward exchange transaction contract in response to the automatically quoted exchange rate.

According to the present invention, the future exchange transaction contract processing unit 147 is the foreign mutual fund subscription application information received through the information receiving unit 115 through the validity verification unit 125 through the foreign mutual fund and the future exchange transaction at the same time When the validity for automatic currency hedging through the authentication is authenticated, the customer information included in the overseas mutual fund subscription application information for which the validity is verified, the forward exchange transaction contract information, and the financial product operation information generated by the information generation unit 135; A fund information storage unit for storing the foreign mutual fund subscription information including at least one or more financial account information generated by the financial account processor 140 in a predetermined storage medium 185, and stores the foreign mutual fund subscription information. In connection with (145), in order to simultaneously enter forward exchange transactions in response to overseas mutual fund subscription information, In order to automatically quote exchange rates, and to automatically conclude a futures exchange contract in response to the automatically quoted exchange rate, it is preferable to process the futures exchange contract application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information. Do.

The exchange rate automatic quoting is a foreign currency transaction corresponding to the foreign currency information to be invested by the foreign mutual fund, the expiration date information of the expiration date of the foreign mutual fund, and the domestic currency that the customer who invests in the foreign mutual fund will invest in the foreign mutual fund. Generating a predetermined average forward exchange concentration rate using the amount information, identifying (or calculating) a swap point corresponding to the generated average forward exchange concentration rate, and quoting the exchange rate by applying the confirmed (or calculated) swap point It is preferred that, depending on the intention and purpose of those skilled in the art, various implementation methods for quoting exchange rates may be inferred, but are not limited thereto, and include all implementation methods for quoting exchange rates.

Referring to FIG. 1, the overseas mutual fund subscription server 100 is connected to the future exchange transaction contract processing unit 147 through the forward exchange transaction contract processing unit 147 and the customer information provided from the future exchange transaction contract processing unit 147. A forward exchange electronic document generation unit 155 for generating a predetermined forward exchange transaction contract application electronic document including forward exchange transaction contract application information including at least one of forward exchange transaction attribute information and transaction cost information; It is characterized in that it comprises a forward exchange electronic document transmission unit 157 for transmitting a contract application electronic document to the electronic document storage associated with the foreign mutual fund subscription system.

The forward exchange electronic document generation unit 155 is connected to the forward exchange transaction contract processing unit 147 through the forward exchange transaction contract processing unit 147, and the customer information provided by the forward exchange transaction contract processing unit 147 and the forward exchange transaction contract attribute information. In addition, it is characterized in that for generating a predetermined future exchange transaction contract application electronic document including the future exchange transaction contract application information including at least one transaction cost information.

According to an exemplary embodiment of the present invention, the forward exchange electronic document generation unit 155 may store customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including an MHT) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedge through simultaneous signing of a forward exchange transaction with the foreign mutual fund.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. And generating at least one or more of the customer information, the future exchange transaction contract attribute information, and the transaction cost information included in the futures exchange transaction contract application information in the document content by a watermarking method, and then including the watermarking. 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. Application for forward exchange transaction contract for automatic currency hedging through simultaneous signing of forward exchange with foreign mutual funds. It is preferable to process it as an electronic document.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. And an image file including image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory) by automatically executing a forward exchange transaction with the overseas mutual fund. It is advisable to process a forward exchange transaction contract electronic document for currency hedging.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content on a memory), the forward exchange transaction contract attribute information, After including at least one of the transaction cost information by watermarking (Watermarking) method, forward exchange transaction for automatic currency hedging through simultaneous signing a futures exchange transaction with the overseas mutual fund an image file including the image content including the watermarking It is advisable to process the contract electronically.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 155 may include customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiver 115. A predetermined document file (eg, an image content generated by capturing the document content on the memory) by generating document content including at least one of the document content and capturing the document content The foreign mutual fund by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the electronic exchange of the forward exchange transaction contract for automatic currency hedging through the simultaneous execution of the forward exchange.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content on a memory), the forward exchange transaction contract attribute information, Generate image content including at least one or more of the transaction cost information in a watermarking manner, and include a document file (eg, a PDF (Portable Document Format) file, or EDI) that includes the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one, such as HWP / DOC, It is preferable that the process by creating a web page file, etc.), including the MHT, forward exchange contracts to apply for an electronic document automatically hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 155 may include customer information, forward exchange transaction contract attribute information, and transaction cost included in the forward exchange transaction contract application information received through the information receiver 115. Generating document content including at least one information, including image content (eg, image content generated by capturing the document content on a memory) and the forward exchange transaction contract application 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 creating a forward exchange transaction contract application for automatic currency hedging through the simultaneous conclusion of a forward exchange transaction with the foreign mutual fund It is preferred to process with.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content on a memory), the forward exchange transaction contract attribute information, Generate image content including at least one of the transaction cost information by watermarking, and include a document file including the watermarking and the futures exchange contract application information (eg, PDF ( At least one of a Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. By generating a word processor file or a web document file including the MHT, etc.), it is preferable to process a future exchange transaction contract application electronic document for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund.

Those skilled in the art to which the present invention pertains, the technical features that the future exchange electronic document generation unit 155 generates a future exchange transaction contract application electronic document in the image file format and / or a predetermined document file format, Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the forward exchange transaction contract application electronic document, a detailed description thereof will be omitted for convenience.

The forward exchange electronic document transmission unit 157 transmits and stores the forward exchange transaction contract application electronic document generated by the forward exchange electronic document generation unit 155 to a predetermined electronic document repository associated with the overseas mutual fund subscription system. It is characterized by.

As shown in FIG. 1, the electronic document repository is connected to the foreign mutual fund subscription server 100 on the overseas mutual fund subscription system 100 through a predetermined communication means, and the electronic document server 160 and the electronic document D /. When provided externally, including B 180, the forward exchange electronic document transmission unit 157 transmits the forward exchange transaction contract application electronic document generated by the electronic document generation unit through the communication means. Characterized in that the transmission to (160).

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the foreign mutual fund subscription system, the electronic document server 160 and the electronic document D / B 180 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 overseas mutual fund subscription system, the forward exchange electronic document transmission unit 157 is the forward exchange generated by the electronic document generation unit. It is possible to store the transaction contract application electronic document in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, thereby the present invention is not limited.

According to an embodiment of the present invention, the forward exchange electronic document transmission unit 157 may transmit the electronic document related information (for example, the forward exchange transaction contract application information) to generate predetermined electronic document management information in the electronic document server 160. Customer information transmitted by input (selection), and / or financial institution information transmitting the forward exchange transaction request electronic document, and / or electronic document file format information, and / or the future exchange transaction contract application information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives a foreign currency subscription application information received through the information receiving unit 115 through a validity checking unit 125 and a future exchange transaction with the overseas mutual fund. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 135 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and financial account information generated by the financial account processor 140 in a predetermined storage medium 185. In connection with the storage unit 145, a forward exchange subscription for simultaneously entering a forward exchange transaction in response to overseas mutual fund subscription information is performed. The futures exchange process automatically quotes the exchange rate, and processes the futures exchange transaction application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information to automatically conclude a futures exchange transaction contract in response to the automatically quoted exchange rate. A forward exchange information storage unit 159 for storing a forward exchange transaction contract information in the storage medium 185 in association with the customer information included in the overseas mutual fund subscription application information that is validated in association with the transaction contract processing unit 147. It characterized by comprising a.

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the overseas mutual fund subscription server 100 or on the network associated with the overseas mutual fund subscription server 100, the forward exchange information The storage unit 159 stores the future exchange transaction contract information in the storage medium 185 in association with the customer information included in the received foreign mutual fund subscription application information.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in a DBMS provided on a financial system, the information storage unit may be connected to the customer information included in the received foreign mutual fund subscription application information. It is preferable to provide the forward exchange transaction contract information to the information system through the external system on the financial system and store it in a DBMS provided on the financial system.

Referring to Figure 1, the foreign mutual fund subscription server 100 is a futures exchange transaction contract in conjunction with the information on the foreign mutual fund subscription confirmation written in the overseas mutual fund subscription confirmation and the foreign mutual fund subscription application information prepared for joining the overseas mutual fund In order to issue a confirmation, a contract confirmation issuing processing unit 150 is provided for providing confirmation issuance information to the contract confirmation issuing processing device in connection with a predetermined contract confirmation issuing processing device.

The contract confirmation issuance processing unit 150 is configured to issue a forward exchange transaction contract confirmation in association with the foreign mutual fund subscription confirmation letter and the information on the futures exchange transaction agreement included in the overseas mutual fund subscription application information prepared for joining the overseas mutual fund. In connection with the contract confirmation issuing processing device, it is characterized in that to provide the certificate issuing information to the contract confirmation issuing processing device.

According to the present invention, the contract confirmation issuance processing unit 150 issues a futures exchange contract confirmation in association with the information on the foreign mutual fund subscription confirmation and the foreign exchange fund subscription information included in the foreign mutual fund subscription application information prepared for the overseas mutual fund subscription. In order to provide a certificate issuance information to the contract confirmation issuance processing device in connection with a predetermined contract confirmation issuing processing device.

Referring to FIG. 1, a predetermined overseas mutual fund subscription application electronic document is received from the overseas mutual fund subscription server 100 provided on the overseas mutual fund subscription system and stored in a predetermined electronic document D / B 180. And the electronic document server 160, the electronic document receiving unit 165 for receiving a predetermined overseas mutual fund subscription application electronic document from the overseas mutual fund subscription server 100 through a predetermined communication means, and the received An information generation unit 170 for generating predetermined electronic document management information for storing and managing an overseas mutual fund subscription electronic document in the electronic document D / B 180, the electronic document management information, and the overseas mutual fund And an electronic document storage unit 175 configured to link and process the subscription application electronic document and store it in the predetermined electronic document D / B 180.

In addition, an electronic document that receives a predetermined future exchange transaction contract application electronic document from the foreign mutual fund subscription server 100 provided on the foreign mutual fund subscription system and stores and manages the electronic document D / B 180 in a predetermined electronic document D / B 180. The server 160 includes an electronic document receiving unit 165 for receiving a predetermined forward exchange transaction contract application electronic document from the overseas mutual fund subscription server 100 through a predetermined communication means, and the received forward exchange transaction application electronic document. The information generating unit 170 for generating predetermined electronic document management information for storing and managing the electronic document in the electronic document D / B 180, and the electronic document management information and the future exchange transaction application electronic document. The electronic document storage unit 175 stores the predetermined electronic document D / B 180.

The electronic document receiving unit 165 may receive an overseas mutual fund subscription application electronic document in the form of an image file and / or a document file from the overseas mutual fund subscription server 100 through the communication means.

In addition, the electronic document receiving unit 165 is characterized in that for receiving the future exchange transaction contract application electronic document in the form of an image file and / or document file from the overseas mutual fund subscription server 100 through the communication means.

According to an exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means is an image content received by the overseas mutual fund subscription server 100 from the terminal device. It is preferable that the image file including the same as it is made.

Alternatively, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means is the foreign mutual fund subscription to the image content received by the overseas mutual fund subscription server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information included in the application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking (Watermarking) method.

In addition, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means is that the overseas mutual fund subscription server 100 comprises an image file containing the future exchange transaction contract application information as it is. desirable.

Alternatively, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means, the foreign mutual fund subscription server 100, the customer information included in the future exchange transaction contract application information, future exchange transaction contract attributes It is preferable to include an image file corresponding to the image content including at least one or more information of the information, transaction cost information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means is an image received by the overseas mutual fund subscription server 100 from the terminal device. A predetermined document file including contents (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. File).

Alternatively, the overseas mutual fund subscription request received by the electronic document receiving unit 165 through the communication means is that the overseas mutual fund subscription server 100 requests to join the overseas mutual fund to the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF)) containing image content including at least one or more of customer information included in the information, foreign mutual fund attribute information, and forward exchange transaction agreement information in a watermarking manner. 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 an MHT.

In addition, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means is a predetermined document file (for example, PDF) that the foreign mutual fund subscription server 100 contains the future exchange transaction contract application 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 electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means, the foreign mutual fund subscription server 100, the customer information included in the future exchange transaction contract application information, future exchange transaction contract attributes A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing image content including at least one of information and transaction cost information in a watermarking manner, or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means is received by the overseas mutual fund subscription server 100 from the terminal device. Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content and the foreign mutual fund subscription information. Processor file, or a web document file including MHT).

Alternatively, the overseas mutual fund subscription request received by the electronic document receiving unit 165 through the communication means is that the overseas mutual fund subscription server 100 requests to join the overseas mutual fund to the image content received from the terminal device. A predetermined document file including image content including at least one or more of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the information by a watermarking method, and application information for joining the overseas mutual fund. 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.

In addition, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means is a predetermined document file (for example, the foreign mutual fund subscription server 100 containing the future exchange transaction contract application information) A PDF (Portable Document Format) 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).

Alternatively, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means, the foreign mutual fund subscription server 100, the customer information included in the future exchange transaction contract application information, future exchange transaction contract attributes Image content including at least one of information and transaction cost information in a watermarking manner, and a predetermined document file (for example, a Portable Document Format (PDF) file or EDI ( Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the overseas mutual fund subscription application electronic document received through the electronic document receiving unit 165, and the electronic document receiving unit 165 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the foreign mutual fund subscription application electronic document was stored) when the foreign mutual fund subscription electronic document was received. It features.

In addition, the information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the forward exchange transaction contract application electronic document received through the electronic document receiving unit 165, and the electronic document receiving unit 165 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time when the future exchange transaction request electronic document is stored). It features.

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the overseas mutual fund subscription server 100 that has transmitted the foreign mutual fund subscription application electronic document received through the electronic document receiving unit 165. It is preferable to identify a financial institution that has sent the overseas mutual fund subscription electronic document, and to generate electronic document management information further including the confirmed financial institution information.

In addition, the information generating unit 170 refers to the foreign mutual fund subscription server 100 that has transmitted the forward exchange transaction contract application electronic document received through the electronic document receiving unit 165 to convert the forward exchange transaction contract application electronic document. It is preferable to identify the financial institution that has been transmitted and to generate 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 165 further receives a predetermined electronic document-related information from the overseas mutual fund subscription server 100, the information generating unit 170 is the Received electronic document related information (e.g., customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document, and / or electronic document file format) Information, and / or electronic document management information further including the foreign mutual fund subscription application information).

In addition, when predetermined electronic document related information is further received from the overseas mutual fund subscription server 100 through the electronic document receiving unit 165, the information generating unit 170 may receive the received electronic document related information (eg, Customer information in which an overseas mutual fund subscription application corresponding to the image contents is prepared, and / or financial institution information transmitting the future exchange transaction request electronic document, and / or electronic document file format information, and / or the future exchange transaction contract. It is preferable to generate the electronic document management information further including the application information).

The electronic document storage unit 175 associates the electronic document management information generated through the information generating unit 170 with the foreign mutual fund subscription request electronic document received through the electronic document receiving unit 165 to provide a predetermined electronic content. The document D / B 180 may be stored.

In addition, the electronic document storage unit 175 performs a predetermined process by linking and processing the electronic document management information generated through the information exchange unit, the forward exchange transaction request application received through the electronic document receiving unit 165 and the information generating unit 170. Characterized in that stored in the electronic document D / B (180).

According to an exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the overseas mutual fund subscription server 100 by the terminal. It is preferable that the image file including the image content received from the device is included as it is.

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the image content received by the overseas mutual fund subscription server 100 from the terminal device. And an image file corresponding to the image contents including at least one or more of the customer information included in the overseas mutual fund subscription application information, the overseas mutual fund attribute information, and the forward exchange transaction agreement information in a watermarking manner. It is preferable.

The electronic document storage unit 175 stores the futures exchange contract application electronic document stored in the electronic document D / B 180, and includes the image content received by the overseas mutual fund subscription server 100 from the terminal device. It is preferable that the image file is included as it is.

Alternatively, the future exchange transaction contract application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the customer in which the foreign mutual fund subscription server 100 is included in the future exchange transaction contract application information. It is preferable to include an image file corresponding to the image content including at least one or more information of the information, forward exchange transaction contract attribute information, transaction cost information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the overseas mutual fund subscription server 100. 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 HWP / DOC, etc.) including image content received from a terminal device, or Web document file including MHT).

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be applied to the image content received by the overseas mutual fund subscription server 100 from the terminal device. A predetermined document file including image contents including at least one or more of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information in a watermarking manner (eg, A PDF (Portable Document Format) 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).

In addition, the electronic document storage unit 175 stores the future exchange transaction contract application electronic document stored in the electronic document D / B 180, the foreign mutual fund subscription server 100 includes a predetermined amount of the future exchange transaction contract application information 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) It is preferable to make.

Alternatively, the future exchange transaction contract application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the customer in which the foreign mutual fund subscription server 100 is included in the future exchange transaction contract application information. A predetermined document file (eg, a Portable Document Format (PDF) file, or an EDI (Electronic) file including image content including at least one of information, forward exchange transaction attribute information, and transaction cost information in a watermarking manner). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the foreign mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the overseas mutual fund subscription server 100. 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 the image content received from the terminal device and the foreign mutual fund subscription request information. And at least one word processor file or web document file including MHT).

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be applied to the image content received by the overseas mutual fund subscription server 100 from the terminal device. Image contents including at least one or more of the customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method and the overseas mutual fund subscription application information A predetermined document file (for example, 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 a.

In addition, the future exchange transaction contract application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175, the foreign mutual fund subscription server 100 includes the future exchange transaction contract application 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) It is preferable to comprise.

Alternatively, the future exchange transaction contract application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the customer in which the foreign mutual fund subscription server 100 is included in the future exchange transaction contract application information. Image content including at least one of information, forward exchange transaction contract attribute information, and transaction cost information in a watermarking manner, and a predetermined document file (eg, PDF (Portable Document Format) including the forward exchange transaction contract application information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the overseas mutual fund subscription application electronic document, the international mutual It is preferable that a predetermined electronic document unique number (or unique information) assigned to the fund subscription application electronic document and the electronic document storage date and time information are included.

In addition, the electronic document management information stored in the electronic document D / B 180 by linking the electronic document storage unit 175 with the forward exchange transaction contract application electronic document is allocated to the forward exchange transaction contract application electronic document. Preferably, a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the overseas mutual fund subscription application electronic document is stored in the overseas document. Preferably, the financial institution further includes information on a financial institution that transmits the foreign mutual fund subscription application electronic document, which has been identified with reference to the overseas mutual fund subscription server 100 that transmits the mutual fund subscription application electronic document.

In addition, the electronic document management information stored in the electronic document D / B 180 by linking the electronic document storage unit 175 with the forward exchange transaction contract application electronic document, transmits the forward exchange transaction contract application electronic document. Preferably, the financial institution further includes information on a financial institution that transmits the forward exchange transaction contract application electronic document identified with reference to the overseas mutual fund subscription server 100.

According to another exemplary embodiment of the present invention, when a predetermined electronic document-related information is further received from the overseas mutual fund subscription server 100, the electronic document storage unit 175 is connected to the foreign mutual fund subscription application electronic document. The electronic document management information stored in the electronic document D / B 180 in association with each other may include the received electronic document related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or Financial institution information, and / or electronic document file format information, and / or the foreign mutual fund subscription application information, etc. for transmitting the foreign mutual fund subscription electronic document.

In addition, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 100, the electronic document storage unit 175 processes the electronic document D / B in association with the future exchange transaction application electronic document. The electronic document management information stored in the 180 may include the received electronic document related information (for example, customer information included in the forward exchange transaction contract application information, and / or financial institution information for transmitting the forward exchange transaction contract application electronic document. , And / or the electronic document file format information, and / or the forward exchange transaction contract application information, etc.).

2 is a diagram illustrating an implementation method in which a storage medium 185 for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention. .

In more detail, FIG. 2 illustrates a case in which the storage medium 185 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system or the ledger D / B 200. As the information structure for one embodiment of the foreign mutual fund subscription information is stored in the ledger information provided in the ledger D / B (200), if the person having ordinary knowledge in the technical field to which the present invention belongs While referring to and / or modifying FIG. 2, various information construction methods for storing the foreign mutual fund subscription information in the ledger D / B 200 may be inferred, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG. 2 only.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and The account ledger corresponding to the financial product subscribed through the illustrated overseas mutual fund subscription system and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention belongs. If, the ledger D / B (200) provided in the DBMS on the financial system has at least one ledger (for example, ledger, loan ledger, mortgage ledger, etc.) in addition to the customer ledger and account ledger shown in FIG. And / or further includes at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

According to an exemplary embodiment of the present invention, the storage medium 185 is the ledger D / B 200 or the present invention includes an implementation method provided in the ledger D / B 200. Overseas mutual fund subscription including at least one of the customer information and the futures exchange contract information, the financial product operation information, and the financial account information included in the overseas mutual fund subscription application information provided through the overseas mutual fund subscription system shown in FIG. The information is stored in the form of additional information added to the account ledger.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to another embodiment of the present invention, the foreign mutual fund subscription information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). In addition to the form of additional information added to, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

3 is a ledger D / B 300 having a storage medium 305 for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system. Is a diagram showing an implementation method including a database associated with

In more detail, FIG. 3 shows an information structure of an embodiment in which the storage medium 185 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 and include the foreign mutual fund subscription information in a predetermined database with the ledger D / B 300. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when the foreign mutual fund subscription information is not easily stored in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in the policy of the financial institution, If it is not easy to change the ledger D / B 300, or the system expansion is not easy due to the characteristics of the financial system), the foreign mutual fund subscription information is stored in a predetermined database instead of the ledger D / B 300. And an implementation method of storing the database in association with the database and the ledger D / B 300.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 305 includes a database associated with the ledger D / B 300 provided in a DBMS on a financial system. And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the fund subscription application information. Preferably, the foreign mutual fund subscription information further includes a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 300.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

4 is a storage medium 305 for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another exemplary embodiment of the present invention, including a DBMS provided in the banking server 400. It is a figure which shows the implementation method.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 305 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 400, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. Although it is possible to infer a method of configuring information on foreign mutual fund subscription information stored in a predetermined DBMS provided at 400, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

According to another exemplary embodiment of the present invention, referring to FIG. 4 in which the storage medium 305 includes a DBMS provided in the banking server 400, a predetermined DBMS provided in the banking server 400 may be provided. And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the overseas mutual fund subscription application information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the deferred meal, the date of accumulation, information on the direct debit account, etc. Do.

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

5A and 5B illustrate an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show the terminal device in the foreign mutual fund subscription system shown in FIG. 1 at a financial institution branch (or branch), and the overseas mutual fund subscription server 100 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the bank, a predetermined customer joins the overseas mutual fund for automatic currency hedging through simultaneous signing of the foreign mutual fund and the futures exchange transaction. In order to complete and submit an overseas mutual fund subscription application including at least one of customer information, foreign mutual fund attribute information, and futures exchange agreement information, the financial institution may face an overseas mutual in a face-to-face manner based on the overseas mutual fund subscription application form. The system configuration for subscribing to the fund, specifically, the customer said When the other mutual fund subscription application is prepared and submitted to the counter, the foreign terminal of the mutual fund subscription server 100 acquires predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device at the counter terminal. After sending to the foreign mutual fund subscription application information (or selection) corresponding to the overseas mutual fund subscription application, and transmits to the overseas mutual fund subscription server 100, the foreign mutual fund subscription server 100 An implementation method of subscribing to an overseas mutual fund based on the application information of the foreign mutual fund including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to transfer the overseas mutual fund subscription information from the counter terminal to the overseas mutual fund subscription server 100. Various implementation methods of registering 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, although the method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription application and storing it in an electronic document storage, the above process is intended to be performed by those skilled in the art. As such, the present invention is not limited thereto.

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

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the overseas mutual fund subscription server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, an overseas mutual fund including at least one of customer information, foreign mutual fund attribute information, and pre-exchange transaction information for a predetermined customer to automatically hedge foreign currency through simultaneous exchange of a futures exchange with a foreign fund. After filling out and submitting a subscription application, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects to a predetermined communication channel, and the foreign mutual fund corresponding to the overseas mutual fund subscription application forms. When requesting a user interface for automatic currency hedging through simultaneous signing of a futures exchange transaction (500), the server corresponding to the predetermined image corresponding to the overseas mutual fund subscription application prepared by the customer through a predetermined image acquisition device in the terminal; User interface for acquiring content and transmitting it to the server It generates (or extracts) (505), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs (510).

Thereafter, the terminal acquires image content corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the overseas mutual fund subscription application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) an overseas mutual fund subscription application information including at least one of customer information corresponding to the overseas mutual fund subscription application matching the image content, foreign mutual fund attribute information, and forward exchange transaction agreement information. By generating (or extracting) a user interface for transmitting to the server (530), and transmitting the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information through the user interface (540).

If the foreign mutual fund subscription request information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction information is input (or selected) through the user interface (545), the terminal establishes the financial network. The input (or selection) of the foreign mutual fund subscription application information is transmitted to the server through 550.

Subsequently, the server receives and reads an overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and a forward exchange transaction information through the financial network, thereby receiving the foreign mutual fund subscription application information. Validation is checked (555).

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription application information is matched with the foreign mutual fund subscription application information to the ledger D / B 300 on the financial system linked to the overseas mutual fund subscription system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 300 on the financial system.

If the validity of the overseas mutual fund subscription application information is not authenticated (560), the server generates predetermined financial product error information and transmits it to the terminal (565), and corresponds to the foreign mutual fund subscription application information. Do not apply to join an overseas mutual fund.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (560), the server generates a predetermined foreign mutual fund subscription application electronic document including the image content (570).

According to an embodiment of the present invention, the server automatically hedged the currency by simultaneously signing a futures exchange transaction with the foreign mutual fund as the image file including the image content received from the terminal device through the image receiving unit 120 as it is. It is advisable to process electronic documents for foreign mutual fund membership.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. An electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund at an image file corresponding to an image content including at least one or more information of a futures exchange transaction agreement by a watermarking method It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 120. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) It is desirable to create an electronic document for applying for an overseas mutual fund subscription.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. Generating an image content including at least one or more information of a forward exchange transaction agreement by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and automatically exchange hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is desirable to create an electronic document for applying for a foreign mutual fund.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device through the image receiving unit 120 and the information on the subscription of overseas mutual fund subscriptions received through the information receiving unit 115. A predetermined document file (for example, 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) By generating a, it is preferable to generate an overseas mutual fund subscription application electronic document for automatic currency hedge through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. A predetermined document file (eg, PDF) including image content including at least one or more information of a futures exchange transaction agreement by a watermarking method, and including the generated image content and the foreign mutual fund subscription information; (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). Generate electronic documents for signing up for overseas mutual funds for automatic currency hedging It is preferable to.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated foreign mutual fund subscription electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 180 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the overseas mutual fund subscription application electronic document in the electronic document repository may be performed by linking the generated foreign mutual fund subscription application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (180) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription 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 electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document. , And / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document storage application electronic document is stored in the electronic document storage (580), the server based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription application information In operation 585, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the overseas mutual fund (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name Open and process a financial account (590).

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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B (300) It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server includes the customer information and the future exchange transaction contract information included in the overseas mutual fund subscription application information, the financial product operation information generated by the information generator 135 and the financial account processor 140. The foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium 305 (595).

According to an embodiment of the present invention, when the storage medium 305 is provided in the server or on the network associated with the server, the server includes the customer included in the received foreign mutual fund subscription information. Preferably, the storage medium 305 stores foreign mutual fund subscription information including at least one of information, a forward exchange transaction contract information, and financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generate (or extract) the details of storing the foreign mutual fund subscription information on the storage medium 305 and transmit the generated information to the terminal (599).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 305 is provided with (or associated with) an international banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

6A and 6B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a forward exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show the terminal device of the foreign mutual fund subscription system shown in FIG. 1 at a financial institution branch (or branch office), and the foreign mutual fund subscription server 100 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the bank, a predetermined customer joins the overseas mutual fund for automatic currency hedging through simultaneous signing of the foreign mutual fund and the futures exchange transaction. In order to complete and submit an overseas mutual fund subscription application including at least one of customer information, foreign mutual fund attribute information, and futures exchange agreement information, the financial institution may face an overseas mutual in a face-to-face manner based on the overseas mutual fund subscription application form. The system configuration for subscribing to the fund, specifically, the customer said After completing the mutual fund subscription application form and submitting it to the counter, the foreign terminal inputs (or selects) the foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application form at the counter terminal to the overseas mutual fund subscription server 100. After the transmission, if a predetermined image content corresponding to the overseas mutual fund subscription application is acquired through a predetermined image acquisition device and transmitted to the overseas mutual fund subscription server 100, the overseas mutual fund subscription server 100 An implementation method of subscribing to an overseas mutual fund based on the application information of the foreign mutual fund including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to transfer the overseas mutual fund subscription information from the counter terminal to the overseas mutual fund subscription server 100. Various implementation methods of registering 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. 6A and 6B.

For example, although the method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription application and storing it in an electronic document storage, the above process is intended to be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the counter terminal acquires predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application is illustrated as being provided from the overseas mutual fund subscription server 100, but the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the overseas mutual fund subscription server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the overseas mutual fund subscription server 100 shown in Figure 1 is referred to as a "server" for convenience, and the window The customer information, the foreign mutual fund attribute information, and the futures exchange transaction information transmitted from the terminal to the overseas mutual fund subscription server 100 are referred to as "overseas mutual fund subscription application information".

Referring to FIGS. 6A and 6B, a predetermined customer joins an overseas mutual fund including at least one of customer information, foreign mutual fund attribute information, and futures exchange transaction information for automatic currency hedging through simultaneous exchange of a foreign mutual fund with a foreign currency. After completing and submitting the application form, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel, and the foreign mutual fund and the future exchange corresponding to the overseas mutual fund subscription application form. When requesting a user interface for automatic currency hedging through simultaneous transaction (600), the server corresponding to the customer information, overseas mutual fund attribute information, forward exchange transaction information corresponding to the overseas mutual fund subscription application prepared by the customer Enter the information of the application for joining an overseas mutual fund that includes at least one A user interface for generating (or selecting) a user interface for transmitting to the server is generated (or extracted) (605), and the generated (or extracted) user interface is transmitted to the terminal for output through the financial network (610).

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction agreement information through the user interface (615).

If the foreign mutual fund subscription request information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction information is input (or selected) through the user interface (620), the terminal establishes the financial network. The input (or selection) of the foreign mutual fund subscription application information is transmitted to the server (625).

Subsequently, the server receives and reads an overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and a forward exchange transaction information through the financial network, thereby receiving the foreign mutual fund subscription application information. Validation is checked (630).

According to an embodiment of the present invention, the validity of the overseas mutual fund subscription application information is matched with the overseas mutual fund subscription application information on the ledger D / B 300 on the financial system linked to the overseas mutual fund subscription system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 300 on the financial system.

If the validity of the overseas mutual fund subscription application information is not authenticated (635), the server generates predetermined financial product error information and transmits it to the terminal (640), and corresponds to the overseas mutual fund subscription application information. Do not apply to join an overseas mutual fund.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (635), the server acquires predetermined image contents corresponding to the overseas mutual fund subscription application written by the customer through a predetermined image acquisition device in the terminal. A user interface for transmitting to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the overseas mutual fund subscription application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

In operation 670, the server receiving the foreign mutual fund subscription request information and the image content from the terminal generates a predetermined foreign mutual fund subscription application electronic document including the image content.

According to an embodiment of the present invention, the server automatically hedged the currency by simultaneously signing a futures exchange transaction with the foreign mutual fund as the image file including the image content received from the terminal device through the image receiving unit 120 as it is. It is advisable to process electronic documents for foreign mutual fund membership.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. An electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund at an image file corresponding to an image content including at least one or more information of a futures exchange transaction agreement by a watermarking method It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 120. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) It is desirable to create an electronic document for applying for an overseas mutual fund subscription.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. Generating an image content including at least one or more information of a forward exchange transaction agreement by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an electronic document for applying for a foreign mutual fund.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device through the image receiving unit 120 and the information on the subscription of overseas mutual fund subscriptions received through the information receiving unit 115. 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) By generating a), it is preferable to generate an overseas mutual fund subscription application electronic document for automatic currency hedging through simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. A predetermined document file (eg, PDF) including image content including at least one or more information of a futures exchange transaction agreement by a watermarking method, and including the generated image content and the foreign mutual fund subscription information; (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). Generate electronic documents for signing up for overseas mutual funds for automatic currency hedging It is preferable to.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated overseas mutual fund subscription electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 180 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the overseas mutual fund subscription application electronic document in the electronic document repository may be performed by linking the generated foreign mutual fund subscription application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (180) shown in.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription 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 electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document. , And / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server based on the customer information contained in the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information In operation 685, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name Open and process a financial account (690).

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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B (300) It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server includes the customer information and the future exchange transaction contract information included in the overseas mutual fund subscription application information, the financial product operation information generated by the information generator 135 and the financial account processor 140. Foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium (185) (695).

According to an embodiment of the present invention, when the storage medium 305 is provided in the server or on the network associated with the server, the server includes the customer included in the received foreign mutual fund subscription information. Preferably, the storage medium 305 stores foreign mutual fund subscription information including at least one of information, a forward exchange transaction contract information, and financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration details (for example, details of opening a financial account corresponding to the foreign mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository). , And / or generate (or extract) the details of storing the foreign mutual fund subscription application information in the storage medium 305 and transmit the generated information to the terminal (699).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 305 is provided with (or associated with) an international banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

7A and 7B illustrate an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device on an overseas mutual fund subscription system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the overseas mutual fund subscription server 100 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the bank, a predetermined customer joins the overseas mutual fund for automatic currency hedging through simultaneous signing of the foreign mutual fund and the futures exchange transaction. In order to complete and submit an overseas mutual fund subscription application including at least one of customer information, foreign mutual fund attribute information, and futures exchange agreement information, the financial institution may face an overseas mutual in a face-to-face manner based on the overseas mutual fund subscription application form. The system configuration for subscribing to the fund, specifically, the customer said When the other mutual fund subscription application is prepared and submitted to the counter, the counter terminal acquires predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device, and responds to the overseas mutual fund subscription application. After inputting (or selecting) an overseas mutual fund subscription application information, and transmitting the image content and the overseas mutual fund subscription application information to the overseas mutual fund subscription server 100, the overseas mutual fund subscription server 100 Shows an implementation method of subscribing to the overseas mutual fund based on the application information of the overseas mutual fund subscription including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to transfer the foreign mutual fund subscription information from the counter terminal to the overseas mutual fund subscription server 100. Various implementation methods for registering 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. 7A and 7B.

For example, the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription application and storing the electronic document in an electronic document storage. As such, the present invention is not limited thereto.

In addition, in the method illustrated in FIGS. 7A and 7B including the electronic document generation and storage process, the counter terminal acquires predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application is illustrated as being provided from the overseas mutual fund subscription server 100, but the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the overseas mutual fund subscription server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the overseas mutual fund subscription server 100 shown in Figure 1 is referred to as a "server" for convenience, and the window The customer information transmitted from the terminal to the overseas mutual fund subscription server 100, the foreign mutual fund attribute information, and the information on the future exchange transaction are referred to as "overseas mutual fund subscription application information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer joins an overseas mutual fund including at least one of customer information, foreign mutual fund attribute information, and futures exchange transaction information for automatic currency hedging through simultaneous signing of a foreign currency with a foreign mutual fund. After completing and submitting the application form, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel, and the foreign mutual fund and the future exchange corresponding to the overseas mutual fund subscription application form. When requesting a user interface for automatic currency hedge through simultaneous transaction (700), the server inputs (or selects) foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application prepared by the customer in response to the request. And joining the overseas mutual fund through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the application to the server (705), and transmit the generated (or extracted) user interface to the terminal through the financial network. Output 710.

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction agreement information through the user interface (715).

If the foreign mutual fund subscription request information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction information is input (or selected) through the user interface (720), the terminal may enter the user interface. Based on a predetermined image acquisition device based on the image content corresponding to the overseas mutual fund subscription application is obtained (725).

If image content corresponding to the overseas mutual fund subscription application is obtained through the image acquisition device (730), the terminal transmits the foreign mutual fund subscription application information and image content to the server through the financial network ( 735).

Subsequently, the server receives and reads an overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and a forward exchange transaction information through the financial network, thereby receiving the foreign mutual fund subscription application information. Validation is checked (740).

According to an embodiment of the present invention, the validity of the overseas mutual fund subscription application information is matched with the overseas mutual fund subscription application information on the ledger D / B 300 on the financial system linked to the overseas mutual fund subscription system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 300 on the financial system.

If the validity of the overseas mutual fund subscription application information is not authenticated (745), the server generates predetermined financial product error information and transmits it to the terminal (750), corresponding to the overseas mutual fund subscription application information. Do not perform foreign mutual fund registration procedures.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (745), the server generates a predetermined foreign mutual fund subscription application electronic document including the image content (755).

According to an embodiment of the present invention, the server automatically hedged the currency by simultaneously signing a futures exchange transaction with the foreign mutual fund as the image file including the image content received from the terminal device through the image receiving unit 120 as it is. It is advisable to process electronic documents for foreign mutual fund membership.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. An electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund at an image file corresponding to an image content including at least one or more information of a futures exchange transaction agreement by a watermarking method It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 120. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) It is desirable to create an electronic document for applying for an overseas mutual fund subscription.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. Generating an image content including at least one or more information of a forward exchange transaction agreement by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an electronic document for applying for a foreign mutual fund.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device through the image receiving unit 120 and the information on the subscription of overseas mutual fund subscriptions received through the information receiving unit 115. A predetermined document file (for example, 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) By generating a, it is preferable to generate an overseas mutual fund subscription application electronic document for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the server may include customer information and overseas mutual fund attribute information included in the overseas mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. A predetermined document file (eg, PDF) including image content including at least one or more information of a futures exchange transaction agreement by a watermarking method, and including the generated image content and the foreign mutual fund subscription information; (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). Generate electronic documents for signing up for overseas mutual funds for automatic currency hedging It is preferable to.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated foreign mutual fund subscription electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 180 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the overseas mutual fund subscription application electronic document in the electronic document repository may be performed by linking the generated foreign mutual fund subscription application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (180) shown in.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription 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 electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document. , And / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document for the foreign fund subscription application is stored in the electronic document repository (765), the server is based on the customer information contained in the foreign mutual fund subscription information, foreign mutual fund attribute information, forward exchange transaction information In operation 770, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name A financial account is opened and processed (775).

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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B (300) It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server includes the customer information and the future exchange transaction contract information included in the overseas mutual fund subscription application information, the financial product operation information generated by the information generator 135 and the financial account processor 140. The foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium 185 (780).

According to an embodiment of the present invention, when the storage medium 305 is provided in the server or on the network associated with the server, the server includes the customer included in the received foreign mutual fund subscription information. Preferably, the storage medium 305 stores foreign mutual fund subscription information including at least one of information, a forward exchange transaction contract information, and financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generate (or extract) details of storing the foreign mutual fund subscription information in the storage medium 305 and transmit the generated information to the terminal (785).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 305 is provided with (or associated with) an international banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

8 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of a future mutual transaction with an overseas mutual fund in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 8 is a window terminal in which a terminal device on an overseas mutual fund subscription system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the overseas mutual fund subscription server 100 is provided with a predetermined finance. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the network, a predetermined customer may join an overseas mutual fund for automatic currency hedging through simultaneous signing of a future mutual exchange with a foreign mutual fund. After completing and submitting an application for joining an overseas mutual fund including at least one of customer information, overseas mutual fund attribute information and forward exchange transaction agreement information, the financial institution may contact the foreign mutual fund in a face-to-face manner based on the application for joining the overseas mutual fund. Sign up and process the information on the forward exchange transaction agreement included in the overseas mutual fund subscription application. In response to the configuration of a system to conclude a forward exchange transaction contract, specifically, when the customer completes the foreign mutual fund subscription application form and submits it to the counter, the forward exchange transaction included in the foreign mutual fund subscription application information provided by the counter terminal In response to the agreement information, if the forward exchange transaction application information including at least one of customer information, forward exchange transaction attribute information, and transaction cost information is transmitted to the overseas mutual fund subscription server 100, the overseas mutual fund subscription server 100 is provided. Shows an implementation method of processing the forward exchange transaction contract based on the forward exchange transaction contract application information including at least one of the customer information, forward exchange transaction contract attribute information, and transaction cost information.

Those skilled in the art to which the present invention pertains, various implementations of registering the future exchange transaction contract application information to the overseas mutual fund subscription server 100 at the teller terminal by referring to and / or modified in this figure 8 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, although the embodiment shown in FIG. 8 includes a process of generating a predetermined electronic document corresponding to the forward exchange transaction contract application information and storing it in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

Hereinafter, in FIG. 8, the overseas mutual fund subscription server 100 shown in FIG. 1 is referred to as " server " for convenience, and the customer information and the present exchange are transmitted from the counter terminal to the overseas mutual fund subscription server 100. The transaction contract attribute information and transaction cost information are referred to as "forward exchange transaction contract application information" for convenience.

In response to the overseas mutual fund subscription application information including at least one of customer information, foreign mutual fund subscription information, and futures exchange subscription agreement information, the server confirms the future exchange subscription agreement information included in the foreign mutual fund subscription application information ( 800).

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damages caused by exchange rates caused by the depreciation of foreign currencies, it is preferable to include information for which a forward exchange transaction contract is concluded in response to the forward exchange signing agreement for preventing the loss of exchange rates through forward exchange transactions.

If there is no forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information (805), the server generates (extracts) notification information indicating that there is no forward exchange subscription agreement and transmits it to the terminal. In step 810, the server generates overseas mutual fund subscription confirmation information corresponding to the overseas mutual fund subscription application information (835), and in connection with the issuing processing device for the contract confirmation corresponding to the overseas mutual fund subscription confirmation information in the server. Output 840.

On the other hand, when there is a forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information (805), the server includes at least one of customer information, forward exchange transaction attribute information, and transaction cost information. In response to the forward exchange transaction contract application information, the forward exchange transaction contract is processed to store the forward exchange transaction contract information corresponding to the processed transaction contract (813).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining the product, foreign mutual funds are invested by foreign currency rather than domestic currency, so in order to hedge the exchange risk due to the exchange rate difference between the foreign currency and the domestic currency, the transaction at the time of joining the overseas mutual fund It is desirable to include cost information for futures exchange contracts that correspond to costs.

Subsequently, the server generates predetermined document contents including at least one or more customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information, and includes a predetermined future exchange transaction including the document contents. Generate a contract application electronic document (815).

According to an exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. A web file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including a document file including the document content, or an MHT. Document file, etc.) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedging through simultaneous conclusion of a forward exchange transaction with the foreign mutual fund.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and the document content may include the overseas content. After including the customer information included in the mutual fund subscription application information, and at least one or more of the information on the future exchange contract application information associated with the customer information (Watermarking) method, and including the document content including the watermarking The 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) Electronic document application for forward exchange transaction contract for automatic currency hedging through mutual fund and forward exchange It is preferable to process.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( Process an image file including captured image content (e.g., image content generated by capturing the document content on a memory) into an electronic document for requesting a forward exchange transaction contract for automatic currency hedging through simultaneous exchange of a forward exchange transaction with the foreign mutual fund. It is desirable to.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (e.g., image content generated by capturing the document content on a memory), and forward exchange transaction contract application information associated with the customer information. After including one or more information in a watermarking method, an image file including the image contents including the watermarking is a forward exchange transaction contract application electronic document for automatic currency hedge through simultaneous signing of a forward exchange transaction with the overseas mutual fund. It is preferable to process.

According to another exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. And a predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (e.g., a portable document format) file) containing image content (e.g., image content generated by capturing the document content on a memory). Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is desirable to process the forward exchange transaction contract application electronic document.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (e.g., image content generated by capturing the document content on a memory) and forward exchange transaction contract application information associated with the customer information. Generating image content including at least one information in a watermarking manner, and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the image content including the watermarking. File, or a word processor file containing at least one of HWP / DOC, etc., or an MHT. By generating a web document file, etc.), it is preferable to process the future exchange transaction application electronic document for automatic currency hedging through simultaneous conclusion of a forward exchange transaction with the foreign mutual fund.

According to another exemplary embodiment of the present invention, the server may include document content including at least one customer information included in the received overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. A predetermined document file (e.g., a PDF file) including image content (e.g., image content generated by capturing the document content on a memory) and the overseas mutual fund subscription application information generated by the document content; A Portable Document Format (EDI) file, 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). We recommend that you process the futures exchange transaction contract electronic document for automatic currency hedging through simultaneous transaction. It is.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( At least one of customer information included in the foreign mutual fund subscription application information and captured information content (for example, image content generated by capturing the document content on a memory) from the foreign mutual fund subscription application information, and at least one of the future exchange transaction contract application information associated with the customer information. Generating an image content including the above information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file, including the image content including the watermarking and the overseas mutual fund subscription information), Or at least one Electronic Data Interchange (EDI) file or HWP / DOC. By creating such a web document file) that includes a word processor file, or to MHT, it is desirable to process electronic documents into forward exchange contracts apply for auto hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

Those skilled in the art to which the present invention pertains include technical features that the server generates a forward exchange transaction contract application electronic document in an image file format and / or a predetermined document file format, and the forward exchange transaction contract application electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated forward exchange transaction contract application electronic document in a predetermined electronic document storage (820).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided externally, the server preferably transmits the generated futures exchange contract application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). .

Or, if the electronic document storage is provided on the DBMS provided in the foreign mutual fund subscription system, the server is the electronic document on the DBMS provided in the foreign mutual fund subscription system to the generated future exchange transaction application electronic document It is possible to store in the electronic document D / B 180 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, the storing of the futures exchange transaction contract application electronic document in the electronic document storage is shown in FIG. 1 by linking the generated futures exchange contract application electronic document and predetermined electronic document management information. It is preferably made to include in the electronic document D / B (180).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the forward exchange transaction contract application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the future exchange transaction contract application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information, and / or a financial institution that transmits the forward exchange transaction contract application electronic document). Information, and / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the forward exchange transaction contract application electronic document is stored in the electronic document repository (825), the server generates a forward exchange transaction contract confirmation information corresponding to the forward exchange transaction contract application information (830), and joins an overseas mutual fund in the server. The foreign mutual fund subscription confirmation information corresponding to the application information is generated (835).

Thereafter, the server outputs a contract confirmation corresponding to the forward exchange transaction contract confirmation information and at least one contract confirmation corresponding to the foreign mutual fund subscription confirmation information in association with at least one issuing processing device (840).

9 is a diagram illustrating a non-face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and futures exchange transactions according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates that a given customer joins the overseas mutual fund subscription application information including at least one of predetermined customer information, foreign mutual fund attribute information, and future exchange transaction information through a predetermined financial product subscription interface. If provided as an institution, the fund subscription institution subscribes to an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund based on the application information of the overseas mutual fund subscription, and manages the overseas mutual fund. Regarding a system configuration for opening a predetermined financial account, those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 9 and automatically exchange hedging through simultaneous signing of a futures exchange transaction with an overseas mutual fund. On the composition of overseas mutual fund subscription system Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 9.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 9, and the foreign mutual omitting the implementation method of storing the foreign mutual fund subscription application electronic document in the electronic document repository. It is possible to infer the fund subscription system configuration, and also in the case of storing the foreign mutual fund subscription application electronic document in the electronic document repository, the electronic document repository is the foreign mutual fund subscription system in addition to the implementation method shown in FIG. Although it is possible to infer an implementation method provided in a DBMS located in the present invention, 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. 9, the foreign mutual fund subscription application electronic document is illustrated as being generated on the server side on the foreign mutual fund subscription system, but the present invention is not limited thereto. The overseas mutual fund subscription application electronic document may be generated on the terminal side which inputs (or selects) the foreign mutual fund subscription application information (for example, the electronic document generation function provided on the server side is provided to the terminal side). And the electronic document for subscription to the foreign mutual fund), whereby the present invention is not limited thereto.

Hereinafter, the foreign mutual fund subscription application information is provided from the customer through a predetermined financial product subscription interface on the overseas mutual fund subscription system shown in FIG. 9 to allow the customer to subscribe to the overseas mutual fund, A component corresponding to at least one or more means and / or functional configurations for generating a predetermined foreign mutual fund subscription electronic document and storing it in a predetermined electronic document storage is referred to as an "international mutual fund subscription server 900" for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, an overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of a foreign exchange fund and a futures exchange transaction may include at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 990 including at least one or more including a client terminal, the terminal device 990 is an overseas mutual fund provided on the overseas mutual fund subscription system through a predetermined network means The fund subscription server 900 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer accesses the overseas mutual fund subscription server 900 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) overseas mutual fund subscription application information for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund through at least one user interface provided by the foreign mutual fund subscription server 900. The client terminal preferably transmits to the overseas mutual fund subscription server 900 provided on the overseas mutual fund subscription system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 990 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; And / or a 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 include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 990 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 990 connected to an x-based mobile Internet and / or all terminal devices 990 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x-based WLAN.

In addition, the overseas mutual fund subscription server 900 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. It is preferable to include one or / and a separate web server for the information registration.

The network means for connecting the client terminal and the overseas mutual fund subscription server 900 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet based and / or IEEE 802.11x based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the overseas mutual fund subscription server 900, and inputs and / or selects at least one or more information through the user interface to the overseas mutual fund subscription server ( It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the overseas mutual fund subscription server 900, etc.) for transmission to the 900 is provided.

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

In the foreign mutual fund subscription system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one connecting the client terminal and the overseas mutual fund subscription server 900. The wired communication network and / or the wireless communication network perform a function of a financial product subscription interface for the customer to register foreign mutual fund subscription application information for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund.

According to another exemplary embodiment of the present invention, the terminal device 990 is an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal, and an ATM (cash dispenser). It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the foreign mutual fund subscription system as described above, when the terminal device 990 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automatic device (not shown) and the overseas mutual fund are shown. The financial network connecting the fund subscription server 900 performs a function of the financial product subscription interface for registering the foreign mutual fund subscription application information for the customer to automatically hedge the foreign currency through the simultaneous signing of the future mutual exchange with the foreign mutual fund, And / or when the terminal device 990 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the overseas mutual fund subscription server 900. And / or the wireless telephone network may request that the customer join an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund. The terminal performs a function of a financial product subscription interface for registering a report, and / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 990. (And / or server) (not shown) and the network connecting the terminal (and / or server) (not shown) and the overseas mutual fund subscription server 900, the customer concurrently concludes a forward exchange transaction with the foreign mutual fund It functions as a financial product subscription interface for registering foreign mutual fund subscription application information for automatic currency hedging.

The storage medium 985 provided on the overseas mutual fund subscription system according to the present invention includes the customer information and the future exchange transaction contract information and the financial information included in the overseas mutual fund subscription application information provided from the terminal device 990. And storing foreign mutual fund subscription information including at least one product operation information and financial account information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund product, foreign mutual funds are invested by foreign currency rather than domestic currency, so when converting into foreign currency, the value of domestic currency at the time of expiration of the fund product due to exchange rate fluctuation In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include the consent information on the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to an embodiment of the present invention, the storage medium 985 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). In this case, the storage medium 985 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 985 may be provided with (or associated with) an international banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The overseas mutual fund subscription system 900 provided on the overseas mutual fund subscription system according to the present invention is a generic term for the components of the overseas mutual fund subscription system side connected to the terminal device 990 through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention. No.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the overseas mutual fund subscription server 900 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). Server (or device) and / or a program provided to the outside world on the financial system, whereby It was not limited.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the overseas mutual fund subscription server 900 is configured to perform the wireless operation. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or a program on the server (or device); and / or a server (or on the external system on the financial system accessible through the wireless banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the overseas mutual fund subscription server 900 is connected to the telebanking server. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on a banking system, and / or a program provided in the telebanking server, and / or through the telebanking system, The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby Not determined

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the overseas mutual fund subscription server 900 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the overseas mutual fund subscription server 900 includes an interface unit 905 for connecting and managing a predetermined communication channel with the terminal device 990 through the network means. It is done.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 905 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, it provides a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the overseas mutual fund subscription server 900, the interface unit 905 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 terminal device 990 is a financial automation device connected to a predetermined financial network, the interface unit 905 may be configured 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 990 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 905 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) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the overseas mutual fund subscription server 900, the interface unit 905 is 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 990 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 905 may include the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 905 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 9, the overseas mutual fund subscription server 900 connects a predetermined communication channel with the overseas mutual fund subscription server 900 through a predetermined terminal device 990 through the interface unit 905. To input (or select) predetermined overseas mutual fund subscription application information from the terminal device 990 to automatically exchange hedging through simultaneous exchange of a futures exchange with the foreign mutual fund, the foreign mutual fund subscription server 900 is transmitted. An interface providing unit 910 for generating (or extracting) at least one user interface and providing the generated (or extracted) user interface to the terminal device 990 in association with the interface unit 905; When the terminal device 990 inputs (or selects) the foreign mutual fund subscription application information through the user interface and transmits the information, the interface In connection with (905) characterized in that formed by an information reception section 915 for receiving the foreign mutual fund subscription request information transmitted from the terminal apparatus 990.

The interface providing unit 910 connects a predetermined communication channel with the overseas mutual fund subscription server 900 through the interface unit 905, and then the overseas mutual fund subscription server 900. When requesting a user interface for automatic currency hedging through simultaneous signing a futures exchange transaction with the overseas mutual fund, the terminal device 990 inputs (or selects) predetermined foreign mutual fund subscription application information through the network means. Generate at least one user interface to be transmitted to the overseas mutual fund subscription server 900, and / or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 905 Characterized in that the user interface is provided to the terminal device 990 via the network means.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 910 is a browser program provided in the client terminal and / Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a financial automation device connected to a predetermined financial network, the interface providing unit 910 is provided as 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 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 910 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 910 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 905 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 910 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 905.

According to another exemplary embodiment of the present invention, at least one of inputting (or selecting) predetermined overseas mutual fund subscription application information to the terminal device 990 and transmitting it to the overseas mutual fund subscription server 900 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 foreign mutual fund subscription information as described above and transmitting it to the foreign mutual fund subscription server 900 as described above. The interface providing unit 910 for generating (or extracting) the terminal device 990 and providing it to the terminal device 990 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 990 inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information through the user interface, and the input is performed. (Or selected) the foreign mutual fund subscription application information is transmitted to the foreign mutual fund subscription server 900 through the network means, and correspondingly, the information receiving unit 915 is connected with the interface unit 905 in response to the request. Characterized in that for receiving the foreign mutual fund subscription application information transmitted from the terminal device (990).

According to an exemplary embodiment of the present invention, the terminal device 990 includes the overseas mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the foreign mutual fund subscription application information in It is preferable to transmit to the overseas mutual fund subscription server 900 through the network means.

According to an exemplary embodiment of the present invention, the terminal device 990 may include at least one encryption method (eg, at least one overseas mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information). A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. It is preferable to transmit the digital signature to the foreign mutual fund subscription server 900 through the network means, for this purpose, the terminal device 990 is provided with at least one encryption key corresponding to the encryption method or And / or have a predetermined public certificate including at least one encryption key, and / Is preferably provided with the certificate of the predetermined IC chip, if that is provided on (or IC card), the card to verify the certificate provided in the IC chip (or IC card) reader.

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

Referring to FIG. 9, the overseas mutual fund subscription server 900 receives the overseas mutual fund subscription application information transmitted from the terminal device 990 through the information receiving unit 915, and receives the received overseas mutual fund. It is characterized in that the subscription application information is provided with a validity check unit 925 to confirm whether the validity for the automatic currency hedging through the simultaneous signing of the foreign mutual fund and the future exchange transaction.

According to the implementation method of the present invention, the foreign mutual fund subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or a key exchange-based encryption scheme, etc., the validity checker 925 may use the at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme to the encrypted foreign mutual fund subscription information. And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), thereby validating the validity of the received foreign mutual fund subscription information. Do.

Alternatively, when a predetermined electronic signature is attached to the overseas mutual fund subscription application information, the validity confirming unit 925 checks the electronic signature attached to the overseas mutual fund subscription application information, thereby joining the received overseas mutual fund subscription. It is desirable to certify the validity of the application information.

Those skilled in the art to which the present invention pertains include technical features of various decryption schemes for decrypting the encrypted overseas mutual fund subscription application information, and the electronic signature attached to the foreign mutual fund subscription application information. Since you will be familiar with the technical features to check, a detailed description thereof will be omitted for convenience.

When the foreign mutual fund subscription application information received through the information receiving unit 915 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the foreign mutual fund subscription application information, the validity The verification unit 925 compares and authenticates the password included in the overseas mutual fund subscription application information with the password provided corresponding to the customer on the DBMS, thereby validating the validity of the received overseas mutual fund subscription application information. It is desirable to authenticate.

Alternatively, when the foreign mutual fund subscription application information received through the information receiver 915 further includes predetermined security card information for confirming the validity of the foreign mutual fund subscription application information, the validity verification unit ( 925) compares and authenticates the security card information included in the overseas mutual fund subscription application information and the security card information provided corresponding to the customer on the DBMS, thereby validating the received overseas mutual fund subscription application information. It is desirable to authenticate.

Alternatively, when the foreign mutual fund subscription information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the foreign mutual fund subscription information, the validity checking unit ( 925) compares and authenticates the received OTP code included in the overseas mutual fund subscription application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to verify the validity of the mutual fund application information.

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription application information is at least one or more matching with the foreign mutual fund subscription application information on the ledger D / B on the financial system linked to the foreign mutual fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

Referring to FIG. 9, when the overseas mutual fund subscription application information is authenticated through the validity verification unit 925, the foreign mutual fund subscription server 900 receives the received overseas mutual fund subscription application information. A fund electronic document generation unit 930 for generating a predetermined foreign mutual fund subscription application electronic document, and transmitting the generated foreign mutual fund subscription application electronic document to an electronic document repository associated with the overseas mutual fund subscription system; The fund electronic document transmission unit 932 is characterized in that it comprises.

The fund electronic document generation unit 930 generates an overseas mutual fund subscription application electronic document including the overseas mutual fund subscription application information received from the terminal device 990 through the information receiving unit 915. do.

According to an exemplary embodiment of the present invention, the fund electronic document generation unit 930 may include customer information included in the overseas mutual fund subscription application information received through the information receiving unit 915, overseas mutual fund attribute information, and futures exchange transaction consent. Generate document content including at least one information, and at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. It is preferable to process a word processor file including, or a web document file including MHT) as an electronic document for foreign mutual fund subscription for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. After generating document content, and including at least one or more information of the customer information, foreign mutual fund attribute information, forward exchange transaction agreement information included in the foreign mutual fund subscription application information in the document content by a watermarking method, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing document content including watermarking, or an MHT. Web document files, etc.) for automatic currency hedging through simultaneous signing of futures exchange transactions with the foreign mutual funds. It is advisable to process electronic documents for foreign mutual fund membership.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. By creating a document content and simultaneously executing a forward exchange transaction with the overseas mutual fund, an image file including image content (eg, image content generated by capturing the document content on a memory) is captured. It is preferable to process the electronic document of the application for overseas mutual fund joining for automatic currency hedging.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. Customer information included in the overseas mutual fund subscription application information and the overseas mutual fund in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on the memory) After including at least one or more of the attribute information and the information on the futures exchange transaction by the watermarking method, an automatic currency hedge through the simultaneous signing of a futures exchange transaction with the foreign mutual fund an image file including the image contents including the watermarking It is a good idea to electronically sign up for an overseas mutual fund. It is.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 930 may include customer information included in foreign mutual fund subscription information received through the information receiving unit 915, overseas mutual fund attribute information, and future exchange transactions. A predetermined document file (for example, generating document content including at least one agreement information) and including image content (eg, image content generated by capturing the document content on a memory). , 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). Electronic documents for signing up for foreign mutual funds for automatic currency hedging through simultaneous signing of funds and futures exchange transactions Is recommended.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. Customer information included in the overseas mutual fund subscription application information and the overseas mutual fund in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on the memory) Create image content including at least one of attribute information and forward exchange transaction information by a watermarking method, and include a document file (eg, a PDF (Portable Document Format)) including the image content including the watermarking. At least one file, an electronic data interchange (EDI) file, or an HWP / DOC. By creating a web document files, etc.) that includes a word processor file or MHT, it is desirable to process electronic documents into foreign mutual fund subscription for automatic hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 930 may include customer information included in the overseas mutual fund subscription application information received through the information receiving unit 915, overseas mutual fund attribute information, and futures exchange. Create document content including at least one transaction agreement information, and capture image content (eg, image content generated by capturing the document content on a memory) and the overseas mutual fund subscription application. 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. Overseas mutual fund for automatic currency hedging through simultaneous signing of the future mutual transaction with the foreign mutual fund De-Up is preferable to apply processing to electronic documents.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. Customer information included in the overseas mutual fund subscription application information and the overseas mutual fund in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on the memory) A document file including image information including at least one or more of attribute information and forward exchange transaction information by a watermarking method, the image file including the watermarking and the foreign mutual fund subscription application information ( For example, a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file, To generate a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), and apply for an overseas mutual fund subscription for automatic currency hedge through simultaneous signing of a futures exchange transaction with the overseas mutual fund. It is preferable to process the document.

Those skilled in the art to which the present invention pertains, the fund electronic document generation unit 930 and the technical features of generating an electronic document for foreign mutual fund subscription in the form of an image file and / or a predetermined document file and Since the technical features of the file format of the image file and / or the document file corresponding to the foreign mutual fund subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

The fund electronic document transmission unit 932 transmits the electronic document for subscription to the foreign mutual fund created by the fund electronic document generation unit 930 to a predetermined electronic document repository associated with the foreign mutual fund subscription system, Characterized in that.

As shown in FIG. 9, the electronic document repository is connected to the foreign mutual fund subscription server 900 on the overseas mutual fund subscription system 900 through a predetermined communication means and the electronic document server 960 and the electronic document D /. When provided externally, including the B (980), the fund electronic document transmission unit 932 is the foreign electronic fund subscription request electronic document generated by the fund electronic document generation unit 930 through the communication means Characterized in that the transmission to the electronic document server (960).

Herein, when the electronic document server 960 and the electronic document D / B 980 are provided outside the foreign mutual fund subscription system, the electronic document server 960 and the electronic document D / B 980 are provided. 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 overseas mutual fund subscription system, the fund electronic document transmission unit 932 is generated by the fund electronic document generation unit 930. It is possible to store the generated overseas mutual fund subscription application electronic document in the electronic document D / B 980 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, whereby the present invention is not limited thereto. No.

According to the method of the present invention, the fund electronic document transmission unit 932 is electronic document related information for generating a predetermined electronic document management information in the electronic document server 960 (for example, the foreign mutual fund subscription information) Customer information, and / or financial institution information, and / or electronic document file format information, and / or the overseas mutual fund subscription application information, etc., transmitted by inputting (selecting) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 9, the overseas mutual fund subscription server 900 exchanges foreign mutual fund subscription application information received through the information receiving unit 915 through a validity checking unit 925 and performs a forward exchange transaction with the foreign mutual fund. When the validity for automatic currency hedging through simultaneous signing is authenticated, the foreign mutual fund is responded to based on the customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the overseas mutual fund subscription application information that has been validated. An information generation unit 935 for generating predetermined financial product operation information, and the financial product operation information based on the customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information; It is provided with a financial account processing unit 940 for opening and processing a financial account of the customer name including a And that is characterized.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirmation unit 925, the information generation unit 935 includes customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, And generating predetermined financial instrument operation information corresponding to the foreign mutual fund based on the forward exchange transaction agreement information.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the information generator 935 may include customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, and future exchange transactions. Based on the agreement information, it is preferable to generate beneficiary certificate information (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the foreign mutual fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the information generating unit 935 may include the customer information included in the overseas mutual fund subscription information, the foreign mutual fund attribute information, Deposit information (or savings information) corresponding to the foreign mutual fund based on the forward exchange transaction agreement information (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage), subscription period, etc. It is preferable to create a deposit (or savings) attribute, including).

The financial account processing unit 940 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or confirms a customer ledger that is matched with the customer information and is provided). After 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 foreign mutual fund subscription application information, the foreign mutual It is characterized by opening a predetermined financial account for automatic currency hedging through the simultaneous signing of funds and futures exchange transactions.

According to an exemplary embodiment of the present invention, when the foreign mutual fund subscription server 900 and the financial system exist in the same system, the financial account processing unit 940 is linked to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger containing financial instrument operation information.

According to another exemplary embodiment of the present invention, when the foreign mutual fund subscription server 900 and the financial system exist on another system connected through a predetermined communication means, the financial account processing unit 940 may use predetermined communication means. It is preferable to request a ledger D / B on the other financial system to create a predetermined ledger including the financial product operation information through the external system on the financial system.

Referring to FIG. 9, the overseas mutual fund subscription server 900 simultaneously accepts foreign mutual fund subscription application information received through the information receiving unit 915 through the validity checking unit 925. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 935 included in the validity of the foreign mutual fund subscription information And a fund information storage unit 945 for storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processing unit 940 in a predetermined storage medium 985. It features.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirmation unit 925, the fund information storage unit 945 stores the customer information and the forward exchange transaction contract information included in the overseas mutual fund subscription application information. And storing foreign mutual fund subscription information including at least one of the above information in the storage medium 985.

The fund information storage unit 945 may further include the generated financial product operation information in the overseas mutual fund subscription information when the financial product operation information generated by the information generation unit 935 is generated. It is preferable to store in the storage medium 985.

In addition, the fund information storage unit 945 adds the opened financial account information to the overseas mutual fund subscription information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. It is preferable to store in the storage medium 985.

According to an embodiment of the present invention, when the storage medium 985 is provided in the overseas mutual fund subscription server 900 or on the network associated with the overseas mutual fund subscription server 900, the fund information The storage unit 945 stores the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, the financial product operation information, and the financial account information included in the received overseas mutual fund subscription application information. It is desirable to store in the medium 985.

According to another exemplary embodiment of the present invention, when the storage medium 985 is provided in a DBMS provided on a financial system, the fund information storage unit 945 may include the received foreign mutual fund subscription information. Foreign mutual fund subscription information including customer information, futures exchange contract information, and at least one financial product operation information and financial account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. It is desirable to.

Referring to FIG. 9, the overseas mutual fund subscription server 900 simultaneously accepts foreign mutual fund subscription application information received through the information receiving unit 915 through the validity checking unit 925. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 935 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processor 940 in a predetermined storage medium 985. Link with the storage unit 945 to sign up for a futures exchange in order to simultaneously enter forward exchanges in response to overseas mutual fund subscription information. The futures exchange process automatically quotes the exchange rate and processes the forward exchange transaction contract application information including at least one of customer information, forward exchange transaction attribute information, and transaction cost information to automatically conclude a forward exchange transaction contract in response to the automatically quoted exchange rate. A transaction contract processing unit 947 is provided.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining the product, foreign mutual funds are invested by foreign currency rather than domestic currency, so in order to hedge the exchange risk due to the exchange rate difference between the foreign currency and the domestic currency, the transaction at the time of joining the overseas mutual fund It is desirable to include cost information for futures exchange contracts that correspond to costs.

The futures exchange transaction contract processing unit 947 is for the automatic foreign currency hedge through the foreign mutual fund subscription application information received through the information receiving unit 915 through the validity confirmation unit 925 and simultaneous signing a futures exchange transaction with the foreign mutual fund If the validity is authenticated, the financial instrument operation information and the financial account processing unit generated by the customer information, the forward exchange transaction contract information, and the information generation unit 935 included in the overseas mutual fund subscription application information whose validity is authenticated ( When the foreign mutual fund subscription information including at least one or more financial account information generated by 940 is stored in a predetermined storage medium 985, it is linked with a fund information storage unit 945 for storing the foreign mutual fund subscription information. Quotation of exchange rates for futures exchange signings to simultaneously close futures exchanges in response to overseas mutual fund subscriptions And processing the forward exchange transaction contract application information including at least one of customer information, forward exchange transaction attribute information, and transaction cost information to automatically conclude a forward exchange transaction contract in response to the automatically quoted exchange rate.

According to the present invention, the future exchange transaction contract processing unit 947 is the foreign mutual fund subscription application information received through the information receiving unit 915 through the validity confirming unit 925 to simultaneously conclude the future exchange transaction with the foreign mutual fund When the validity for automatic currency hedging through the authentication is authenticated, the customer information included in the validity of the foreign mutual fund subscription application information and the forward exchange transaction contract information, and the financial product operation information generated by the information generator 935; A fund information storage unit storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one or more financial account information generated by the financial account processor 940 in a predetermined storage medium 985. In conjunction with (945), the Group will enter into a forward exchange to conclude a forward exchange transaction in response to overseas mutual fund subscription information. In order to automatically quote exchange rates, and to automatically conclude a futures exchange contract in response to the automatically quoted exchange rate, it is preferable to process the futures exchange contract application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information. Do.

The exchange rate automatic quoting is a foreign currency transaction corresponding to a foreign currency information to be invested by an overseas mutual fund, an expiration date information of the expiration date of the overseas mutual fund, and a domestic currency that a customer who invests in the overseas mutual fund invests in the overseas mutual fund. Generating a predetermined average forward exchange concentration rate using the amount information, identifying (or calculating) a swap point corresponding to the generated average forward exchange concentration rate, and quoting the exchange rate by applying the confirmed (or calculated) swap point It is preferred that, depending on the intention and purpose of those skilled in the art, various implementation methods for quoting exchange rates may be inferred, but are not limited thereto, and include all implementation methods for quoting exchange rates.

Referring to FIG. 9, the foreign mutual fund subscription server 900 is provided with the customer exchange information provided by the future exchange transaction contract processing unit 947 in association with the future exchange transaction contract processing unit 947 through the forward exchange transaction contract processing unit 947. A forward exchange electronic document generation unit 955 for generating a predetermined forward exchange transaction contract application electronic document including forward exchange transaction contract application information including at least one of forward exchange transaction attribute information and transaction cost information; And a forward exchange electronic document transmission unit 957 for transmitting a contract application electronic document to an electronic document repository associated with the overseas mutual fund subscription system.

The forward exchange electronic document generation unit 955 is connected to the forward exchange transaction contract processing unit 947 through the forward exchange transaction contract processing unit 947, the customer information and the forward exchange transaction attribute information provided by the forward exchange transaction contract processing unit 947. It is characterized in that for generating a predetermined forward exchange transaction contract application electronic document including the future exchange transaction contract application information including at least one transaction cost information.

According to an exemplary embodiment of the present invention, the forward exchange electronic document generation unit 955 stores customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including an MHT) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedge through simultaneous signing of a forward exchange transaction with the foreign mutual fund.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. And generating at least one or more of the customer information, the future exchange transaction contract attribute information, and the transaction cost information included in the futures exchange transaction contract application information in the document content by a watermarking method, and then including the watermarking. 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. Application for forward exchange transaction contract for automatic currency hedging through simultaneous signing of forward exchange with foreign mutual funds It is preferable to process it as an electronic document.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. An automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund by generating an image file including an image content (eg, image content generated by capturing the document content on a memory). It is advisable to process the forward exchange transaction contract application for electronic documents.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content on a memory), the forward exchange transaction contract attribute information, After including at least one of the transaction cost information by watermarking (Watermarking) method, forward exchange transaction for automatic currency hedging through simultaneous signing a futures exchange transaction with the overseas mutual fund an image file including the image content including the watermarking It is advisable to process the agreement electronically.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 955 may include customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiver 915. A predetermined document file (eg, PDF) that generates document content including at least one of the document content, and includes image content (eg, image content generated by capturing the document content on a memory). (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). It is preferable to process the electronic exchange of the forward exchange transaction contract for automatic exchange hedging through simultaneous execution of forward exchange transactions.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content on a memory), the forward exchange transaction contract attribute information, Generating image contents including at least one of transaction cost information by a watermarking method, a document file (for example, a Portable Document Format (PDF) file) including the image contents including the watermarking, or EDI (Electronic Data Interchange) file, or a word processor file including at least one, such as HWP / DOC, Or a web document file including MHT), it is preferable to process as a forward exchange transaction contract application electronic document for automatic currency hedging through the simultaneous signing of a forward exchange transaction with the foreign mutual fund.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 955 may include customer information, forward exchange transaction contract attribute information, and transaction cost included in the forward exchange transaction contract application information received through the information receiving unit 915. Generating document content including at least one information, including image content (eg, image content generated by capturing the document content on a memory) and the forward exchange transaction contract application 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 creating a forward exchange transaction contract application for automatic currency hedging through the simultaneous conclusion of a forward exchange transaction with the foreign mutual fund It is preferred to process with.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content on a memory), the forward exchange transaction contract attribute information, A document file (eg, PDF (Portable) is generated that generates image content including at least one or more information of transaction cost information by a watermarking method, and includes the watermarking image content and the forward exchange transaction contract application information. At least one of a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC. By generating a word processor file or a web document file including the MHT, etc.), it is preferable to process a future exchange transaction contract application electronic document for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund.

Those skilled in the art to which the present invention pertains, the technical features that the future exchange electronic document generation unit 955 generates a future exchange transaction contract application electronic document of the image file format and / or a predetermined document file format, Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the forward exchange transaction contract application electronic document, a detailed description thereof will be omitted for convenience.

The forward exchange electronic document transmission unit 957 transmits and stores the forward exchange transaction contract application electronic document generated by the forward exchange electronic document generation unit 955 to a predetermined electronic document repository associated with the overseas mutual fund subscription system. It is characterized by.

As shown in FIG. 9, the electronic document repository is connected to the foreign mutual fund subscription server 900 on the overseas mutual fund subscription system 900 through a predetermined communication means and the electronic document server 960 and the electronic document D /. When provided externally, including the B (980), the forward exchange electronic document transmission unit 957 is the electronic document server through the communication means for the forward exchange transaction application request electronic document generated by the electronic document generating unit ( 960).

Herein, when the electronic document server 960 and the electronic document D / B 980 are provided outside the foreign mutual fund subscription system, the electronic document server 960 and the electronic document D / B 980 are provided. 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 foreign mutual fund subscription system, the forward exchange electronic document transmission unit 957 is the forward exchange generated by the electronic document generation unit. It is possible to store the transaction contract application electronic document in the electronic document D / B 980 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, whereby the present invention is not limited.

According to an embodiment of the present invention, the forward exchange electronic document transmission unit 957 may convert the electronic document related information (for example, the forward exchange transaction contract application information) to generate predetermined electronic document management information in the electronic document server 960. Customer information transmitted by input (selection), and / or financial institution information transmitting the forward exchange transaction request electronic document, and / or electronic document file format information, and / or the future exchange transaction contract application information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 9, the overseas mutual fund subscription server 900 simultaneously accepts foreign mutual fund subscription application information received through the information receiving unit 915 through the validity checking unit 925. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 935 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processor 940 in a predetermined storage medium 985. Link with the storage unit 945 to sign up for a futures exchange in order to simultaneously enter forward exchanges in response to overseas mutual fund subscription information. The futures exchange process automatically quotes the exchange rate, and processes the futures exchange transaction application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information for automatically entering a futures exchange transaction contract in response to the automatically quoted exchange rate. A forward exchange information storage unit 959 for storing a forward exchange transaction contract information in the storage medium 985 in association with the customer information included in the foreign mutual fund subscription application information that has been validated in association with the transaction contract processing unit 947. It characterized by comprising a.

According to an embodiment of the present invention, when the storage medium 985 is provided in the overseas mutual fund subscription server 900 or on the network associated with the overseas mutual fund subscription server 900, the forward exchange information The storage unit 959 may store a future exchange transaction contract information in the storage medium 985 in association with the customer information included in the received foreign mutual fund subscription application information.

According to another embodiment of the present invention, when the storage medium 985 is provided in a DBMS provided on a financial system, the information storage unit may be connected with the customer information included in the received foreign mutual fund subscription information. It is preferable to provide the forward exchange transaction contract information to the information system through the external system on the financial system and store it in a DBMS provided on the financial system.

Referring to FIG. 9, the foreign mutual fund subscription server 900 is a futures exchange transaction contract in connection with the information on the foreign mutual fund subscription confirmation included in the overseas mutual fund subscription confirmation and the overseas mutual fund subscription application information prepared for the overseas mutual fund subscription. In order to issue a confirmation, a contract confirmation issuing processing unit 950 is provided for providing confirmation issuance information to the contract confirmation issuing processing device in connection with a predetermined contract confirmation issuing processing device.

The contract confirmation issuance processing unit 950 is configured to issue a forward exchange transaction contract confirmation in connection with the foreign mutual fund subscription confirmation letter and the information on the future exchange transaction agreement included in the overseas mutual fund subscription application information prepared for joining the overseas mutual fund. In connection with the contract confirmation issuing processing device, it is characterized in that to provide the certificate issuing information to the contract confirmation issuing processing device.

According to the present invention, the contract confirmation issuance processing unit 950 issues a futures exchange contract confirmation in connection with the information on the foreign mutual fund subscription confirmation and the foreign exchange fund subscription information included in the foreign mutual fund subscription application information prepared for the overseas mutual fund subscription. In order to provide a certificate issuance information to the contract confirmation issuance processing device in connection with a predetermined contract confirmation issuing processing device.

Referring to FIG. 9, a predetermined overseas mutual fund subscription application electronic document is received from the overseas mutual fund subscription server 900 provided on the overseas mutual fund subscription system and stored in a predetermined electronic document D / B 980. And the electronic document server 960 that manages the electronic document receiving unit 965 for receiving a predetermined overseas mutual fund subscription application electronic document from the overseas mutual fund subscription server 900 through a predetermined communication means, and An information generation unit 970 for generating predetermined electronic document management information for storing and managing an overseas mutual fund subscription electronic document in the electronic document D / B 980; and the electronic document management information and the overseas mutual fund. And an electronic document storage unit 975 for linking the subscription application electronic document and storing it in a predetermined electronic document D / B 980.

In addition, an electronic document that receives a predetermined future exchange transaction contract application electronic document from the foreign mutual fund subscription server 900 provided on the foreign mutual fund subscription system and stores and manages the electronic document D / B 980 in a predetermined electronic document. The server 960 may include an electronic document receiving unit 965 for receiving a predetermined forward exchange transaction contract application electronic document from the overseas mutual fund subscription server 900 through a predetermined communication means, and the received forward exchange transaction application electronic document. The information generating unit 970 for generating predetermined electronic document management information for storing and managing the electronic document in the electronic document D / B 980, and the electronic document management information and the future exchange transaction application request electronic document. And an electronic document storage unit 975 for storing in a predetermined electronic document D / B 980.

The electronic document receiving unit 965 may receive an overseas mutual fund subscription application electronic document in the form of an image file and / or a document file from the overseas mutual fund subscription server 900 through the communication means.

In addition, the electronic document receiving unit 965 is characterized in that to receive the future exchange transaction contract application electronic document in the form of an image file and / or document file from the foreign mutual fund subscription server 900 through the communication means.

According to an embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 965 through the communication means is received by the overseas mutual fund subscription server 900 from the terminal device 990. A document file (e.g., a Portable Document Format (PDF) file, or an EDI (e.g., a Portable Document Format) file containing document information including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in an overseas mutual fund subscription application information) Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Among the customer information included in the foreign mutual fund subscription application information, foreign mutual fund attribute information, and future exchange transaction information in document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction agreement information included in the After including at least one or more information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including the watermarking. / DOC, word processing files containing at least one, or Web document files containing MHT, etc.) And it is preferably made.

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content on a memory) including document information including at least one or more of customer information, foreign mutual fund attribute information, and futures exchange agreement information. It is preferable to include an image file.

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To image content (e.g., image content generated by capturing the document content in memory) including document information including at least one of customer information, foreign mutual fund attribute information, and futures exchange agreement information. After including at least one or more information of the customer information, foreign mutual fund attribute information, forward exchange transaction agreement information included in the foreign mutual fund subscription application information in a watermarking (Watermarking) method, including the image content including the watermarking It is preferable to include an image file.

Further, the electronic document receiving unit 965, the future exchange transaction contract application electronic document received through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing document content including at least one or more included customer information and forward exchange transaction contract application information associated with the customer information; Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Application information included in the foreign mutual fund subscription application information in document content including at least one customer information included and information on the application of the futures trading agreement associated with the customer information, and the futures trading agreement application associated with the customer information. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one HWP / DOC, or a web document file including MHT). It is preferable to comprise.

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and forward exchange transaction contract application information associated with the customer information. It is preferable to include an image file to include.

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and forward exchange transaction contract application information associated with the customer information. After the watermarking method includes at least one or more of the customer information included in the overseas mutual fund subscription application information and the information on the futures exchange contract application associated with the customer information, the image content including the watermarking is included. It is preferable to include an image file to include.

According to another embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription server 900 from the terminal device 990 Image content (e.g., capturing the document content in memory) that captures document content including at least one of customer information included in the received overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement 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 HWP / DOC, etc.) including an image content generated by It is preferable that the web document file including a).

Alternatively, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Generate image content including at least one or more of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in a watermarking manner, and the image including the watermarking. Document file containing the content (e.g. Portable Document Format (PDF) file, or E A digital data interchange (DI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

In addition, the information exchange transaction contract application information received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of the registered customer information and at least one forward exchange transaction contract application information associated with the customer information. A predetermined document file (for example, 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 a.

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and forward exchange transaction contract application information associated with the customer information. Generating an image content including a watermarking method of at least one of customer information included in the overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information; Document files containing embedded image content (e.g., Portable Document Format (PDF) files, or It is preferred comprising the EDI (Electronic Data Interchange) file, or web document file containing a word processor comprising at least one of HWP / DOC, such as files, or the like MHT).

According to another embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 965 through the communication means is the overseas mutual fund subscription server 900 is the terminal device (990) Image content capturing document content including at least one of customer information, overseas mutual fund attribute information, and forward exchange transaction information received from an overseas mutual fund subscription application information received from the (e.g., the document content on a memory). At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the captured image content) and the foreign mutual fund subscription application information. Such as a word processing file containing one or more, or a web document file containing an MHT). It is.

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Generate image content including at least one or more of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in a watermarking manner, and the image including the watermarking. Document file containing contents and application information for joining the overseas mutual fund (eg Such as 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). Do.

In addition, the electronic document receiving unit 965, the future exchange transaction contract application electronic document received through the communication means is included in the future exchange transaction contract application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., image content generated by capturing the document content on a memory) and capturing document content including at least one customer information and at least one forward exchange transaction contract application information associated with the customer information. A predetermined document file (for example, 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 forward exchange transaction application information, or the MHT. Web document files, etc.) to be included.

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and forward exchange transaction contract application information associated with the customer information. Generating an image content including a watermarking method of at least one of customer information included in the overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information; Document file containing the included image content and the information on the futures exchange contract application (for example Such as 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). Do.

The information generating unit 970 is a predetermined electronic document unique number (or unique information) to be assigned to the overseas mutual fund subscription application electronic document received through the electronic document receiving unit 965, and the electronic document receiving unit 965 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the foreign mutual fund subscription application electronic document was stored) when the foreign mutual fund subscription electronic document was received. It features.

In addition, the information generating unit 970 is a predetermined electronic document unique number (or unique information) to be assigned to the future exchange transaction contract application electronic document received through the electronic document receiving unit 965, and the electronic document receiving unit 965 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the future exchange transaction request electronic document was stored) when the future exchange transaction contract application electronic document was received; It is done.

According to an exemplary embodiment of the present invention, the information generating unit 970 refers to the overseas mutual fund subscription server 900 that transmits the foreign mutual fund subscription application electronic document received through the electronic document receiving unit 965. It is preferable to check the financial institution that has sent the foreign mutual fund subscription application electronic document, and to generate electronic document management information further comprising the confirmed financial institution information.

In addition, the information generation unit 970 refers to the foreign mutual fund subscription server 900 that has transmitted the forward exchange transaction contract application electronic document received through the electronic document receiving unit 965 to convert the forward exchange transaction contract application electronic document. It is preferable to identify the financial institution that has been transmitted and to generate 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 965 further receives a predetermined electronic document related information from the foreign mutual fund subscription server 900, the information generating unit 970 is Received electronic document related information (e.g., customer information transmitted by inputting (selection) of the foreign mutual fund subscription application information, and / or financial institution information transmitting the foreign mutual fund subscription application electronic document, and / or electronic document) It is preferable to generate the electronic document management information further including file format information, and / or the foreign mutual fund subscription application information.

In addition, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 900 through the electronic document receiving unit 965, the information generating unit 970 may receive the received electronic document related information (eg, Customer information in which an overseas mutual fund subscription application corresponding to the image contents is prepared, and / or financial institution information transmitting the future exchange transaction request electronic document, and / or electronic document file format information, and / or the future exchange transaction contract. It is preferable to generate the electronic document management information further including the application information).

The electronic document storage unit 975 processes the electronic document management information generated by the information generating unit 970 and the foreign mutual fund subscription request electronic document received through the electronic document receiving unit 965 to provide a predetermined electronic content. The document D / B 980 may be stored.

In addition, the electronic document storage unit 975 associates a forward exchange transaction contract application electronic document received through the electronic document receiving unit 965 with electronic document management information generated through the information generating unit 970 to process a predetermined value. The electronic document is stored in the D / B 980.

According to the exemplary embodiment of the present invention, the foreign mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the terminal of the overseas mutual fund subscription server 900. A document file (eg, PDF (Portable Document Format) including document content including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received from the device 990. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Customer information included in the foreign mutual fund subscription application information, overseas mutual fund attribute information, in document contents including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement information; After including at least one or more of the information on the forward exchange transaction by the watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file containing the document content including the watermarking File), a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to make it together.

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Preferably an image file containing one image content).

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement information. A watermarking method including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and future exchange transaction information in a single image content. It is preferable to include an image file containing the image content.

In addition, the electronic document storage unit 975 the future exchange transaction contract application electronic document stored in the electronic document D / B (980) is received overseas from the overseas mutual fund subscription server 900 from the terminal device 990 A document file (eg, a Portable Document Format (PDF) file, or EDI (Document File)) containing document information including at least one customer information included in mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Customer information included in the foreign mutual fund subscription application information in document content including at least one customer information included in mutual fund subscription application information, and information on a futures exchange contract application linked to the customer information; After including at least one or more information of the linked futures exchange contract application information by the watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI (Document File) containing the document content including the watermarking) Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT) It comprises are preferred.

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Image content (e.g., capturing the document content in the memory by capturing document content including at least one of customer information included in the mutual fund subscription information and at least one forward exchange contract application information associated with the customer information). And an image file including generated image content).

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Image content (e.g., capturing the document content in the memory by capturing document content including at least one of customer information included in the mutual fund subscription information and at least one forward exchange contract application information associated with the customer information). The watermarking method by including at least one of customer information included in the overseas mutual fund subscription application information and the information on the future exchange transaction contract application information associated with the customer information in a generated watermarking method. It is preferable to include an image file including the included image content.

According to another exemplary embodiment of the present invention, the foreign mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the overseas mutual fund subscription server 900. Image content that captures document content including at least one of customer information included in the overseas mutual fund subscription application information received from the terminal device 990, overseas mutual fund attribute information, and forward exchange transaction agreement information (eg, the above). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files containing MHT).

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Image content including at least one or more of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and futures exchange transaction information in a watermarking manner; Document files containing image content including watermarking (e.g., Portable Document Format (PDF) files, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a future exchange transaction contract application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the overseas mutual fund subscription server 900 of the terminal. Image content (e.g., captured) of document information including at least one customer information included in the foreign mutual fund subscription application information received from the device 990 and the information on the futures exchange contract application associated with the customer information (e.g., At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content by capturing the document content on the memory. A word processor file, or a web document file including MHT).

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Image content (e.g., capturing the document content in the memory by capturing document content including at least one of customer information included in the mutual fund subscription information and at least one forward exchange contract application information associated with the customer information). Generated image contents) to generate image contents including at least one of customer information included in the overseas mutual fund subscription application information and at least one or more information of the future exchange transaction application information linked to the customer information. And a document file (eg, a Portable Document Format (PDF) file) containing the image content including the watermarking, Preferably it comprises a web page file, and so on) that include the word-processor file, or MHT, or the like (Electronic Data Interchange) EDI file, or HWP / DOC at least one.

According to another exemplary embodiment of the present invention, the foreign mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the overseas mutual fund subscription server 900. Image content (eg, captured) of document content including at least one of customer information included in the overseas mutual fund subscription application information received from the terminal device 990, foreign mutual fund attribute information, and forward exchange transaction agreement information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) containing the document content generated by capturing the document content on a memory and the overseas mutual fund subscription application information. / DOC, or at least one word processor file, or a web document file containing the MHT, etc.) It is.

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Image content including at least one or more of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and futures exchange transaction information in a watermarking manner; A document file including image contents including watermarking and application information for joining the overseas mutual fund ( For example, 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) may be included. Do.

According to another embodiment of the present invention, a future exchange transaction contract application electronic document that the electronic document storage unit 975 stores in the electronic document D / B (980) is the foreign mutual fund subscription server 900 is Image content (e.g., captured) of document information including at least one customer information included in the overseas mutual fund subscription application information received from the terminal device 990 and the information on the future exchange transaction contract application associated with the customer information (e.g., A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the document content generated by capturing the document content on a memory and the forward exchange transaction contract application information. / DOC or at least one word processor file, or a web document file containing the MHT, etc.) .

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Image content (e.g., capturing the document content in the memory by capturing document content including at least one of customer information included in the mutual fund subscription information and at least one forward exchange contract application information associated with the customer information). Generated image contents) to generate image contents including at least one of customer information included in the overseas mutual fund subscription application information and at least one or more information of the future exchange transaction application information linked to the customer information. And a document file including the image content including the watermarking and the futures exchange transaction contract application information (eg Such as 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). Do.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 980 by processing the electronic document storage unit 975 in association with the overseas mutual fund subscription application electronic document is the foreign mutual. It is preferable that a predetermined electronic document unique number (or unique information) assigned to the fund subscription application electronic document and the electronic document storage date and time information are included.

Further, the electronic document management information stored in the electronic document D / B 980 by processing the electronic document storage unit 975 in association with the future exchange transaction contract application electronic document is allocated to the future exchange transaction contract application electronic document. Preferably, a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 980 by the electronic document storage unit 975 in association with the overseas mutual fund subscription application electronic document is stored in the overseas document. Preferably, the financial institution further includes financial institution information that transmits the foreign mutual fund subscription application electronic document, which has been identified with reference to the overseas mutual fund subscription server 900 that transmits the mutual fund subscription application electronic document.

In addition, the electronic document management information stored in the electronic document D / B 980 by processing the electronic document storage unit 975 in association with the forward exchange transaction contract application electronic document transmits the forward exchange transaction contract application electronic document. Preferably, the financial institution further includes information on a financial institution that transmits the forward exchange transaction contract application electronic document identified with reference to the overseas mutual fund subscription server 900.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 900, the electronic document storage unit 975 is connected to the foreign mutual fund subscription application electronic document. The electronic document management information stored in the electronic document D / B 980 in association with each other may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the overseas mutual fund subscription application information), and And / or financial institution information for transmitting the foreign mutual fund subscription application electronic document, and / or electronic document file format information, and / or the foreign mutual fund subscription application information, etc.).

In addition, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 900, the electronic document storage unit 975 processes the electronic document D / B in association with the future exchange transaction application electronic document. Electronic document management information to be stored in the 980, the received electronic document-related information (for example, the customer information transmitted by inputting (selected) the foreign mutual fund subscription application information, and / or the forward exchange transaction contract application electronic document) Financial institution information, and / or electronic document file format information, and / or the forward exchange transaction contract application information, etc.).

FIG. 10 illustrates an implementation method in which a storage medium 985 for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention. to be.

In more detail, in FIG. 10, when the storage medium 985 shown in FIG. 9 is the ledger D / B 1000 provided in the DBMS on the financial system, or the ledger D / B 1000 is provided, As an information structure for an exemplary embodiment in which the foreign mutual fund subscription information is stored in the ledger information provided in the ledger D / B 1000, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the figure 10, various information construction methods for storing the foreign mutual fund subscription information in the ledger D / B 1000 may be inferred, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method illustrated in FIG. 10.

Referring to Figure 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (1000) provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger and The account ledger corresponding to the financial product subscribed through the illustrated overseas mutual fund subscription system and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention belongs. If, the ledger D / B (1000) provided in the DBMS on the financial system has at least one ledger (for example, ledger, loan ledger, collateral ledger, etc.) in addition to the customer ledger and account ledger shown in FIG. And / or further includes at least one additional information for maintaining and managing the ledgers, Since there is a read period, wherein the detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

According to an exemplary embodiment of the present invention, the storage medium 985 is the ledger D / B 1000, or includes an implementation method provided in the ledger D / B 1000. Overseas mutual fund subscription including at least one of the customer information and the futures exchange contract information, the financial product operation information, and the financial account information included in the overseas mutual fund subscription application information provided through the overseas mutual fund subscription system shown in FIG. The information is stored in the form of additional information added to the account ledger.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

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

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to another embodiment of the present invention, the foreign mutual fund subscription information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). In addition to the form of additional information added to, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

11 illustrates a ledger D / B having a storage medium 1105 for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner according to another embodiment of the present invention. FIG. 1 illustrates an implementation method including a database associated with 1100.

In more detail, FIG. 11 shows an information structure for an embodiment in which the storage medium 985 shown in FIG. 9 includes a predetermined database linked to the ledger D / B 1100 provided in the DBMS on the financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 11 to provide the foreign mutual fund subscription information to a predetermined database with the ledger D / B 1100. It will be able to infer various information construction methods for storing by linkage processing, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

Particularly, in FIG. 11, when it is not easy to store the foreign mutual fund subscription information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system (for example, in the policy of the financial institution, When it is not easy to change the ledger D / B 1100, or the system expansion is not easy due to the characteristics of the financial system), the foreign mutual fund subscription information is stored in a predetermined database instead of the ledger D / B 1100. And an implementation method of storing the database in association with the ledger D / B 1100.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 11, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 11, the storage medium 1105 includes a database associated with the ledger D / B 1100 provided in a DBMS on a financial system. And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the fund subscription application information. Preferably, the foreign mutual fund subscription information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 1100.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and periods of entry.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

12 illustrates a DBMS provided in a banking server 1200 in a storage medium 1105 for storing overseas mutual fund subscription information corresponding to overseas mutual funds subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. It is a figure which shows the implementation method.

In more detail, Figure 12 shows that a storage medium 985 shown in Figure 9 is provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. Regarding one embodiment provided in the DBMS provided in the banking server 1200, those skilled in the art to which the present invention pertains, at least one or more banking server by referring to and / or modifying the present drawing Although it is possible to infer a method of constructing information on foreign mutual fund subscription information stored in a predetermined DBMS provided at 1200, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

According to another exemplary embodiment of the present invention, referring to FIG. 12 in which the storage medium 1105 includes a DBMS provided in the banking server 1200, a predetermined DBMS provided in the banking server 1200 may include: And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the overseas mutual fund subscription application information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund product, foreign mutual funds invest in foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value increases when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). It is preferable to include the account number corresponding to the deposit and the deposit (or deposit) attribute, etc., including the interest (or interest rate) corresponding to the deposit and the deposit, and the subscription period.

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

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

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

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

13A and 13B illustrate a process of signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, in FIG. 13A and FIG. 13B, the terminal device 990 on the overseas mutual fund subscription system shown in FIG. 9 is a client terminal, and the overseas mutual fund subscription server 900 is a client terminal through a predetermined network means. In the case of having a web server function which is accessible, a predetermined customer can register customer information and foreign mutual fund attribute through the client terminal in order to join an overseas mutual fund for automatic currency hedging through simultaneous signing of mutual exchange with foreign mutual fund. If the foreign mutual fund subscription application information including at least one information, forward exchange transaction agreement information is provided, the foreign mutual fund subscription system includes at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction information. Based on mutual fund application information In addition, the present invention relates to a method for processing a subscription to the foreign mutual funds for automatic currency hedging through simultaneous exchange of mutual funds and forward exchange transactions, and a person having ordinary knowledge in the art to which the present invention pertains may refer to FIGS. 13A and 13B. Reference and / or modification may infer various implementation methods for registering the overseas mutual fund subscription application information from the client terminal to the overseas mutual fund subscription server 900, but the present invention may infer all implementation methods inferred. It is not limited to the embodiment shown in Figures 13a and 13b.

For example, although the method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription information and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, the implementation method illustrated in FIGS. 13A and 13B provides a predetermined web provided by the overseas mutual fund subscription server 900 to provide a user interface for the client terminal to input (or select) the overseas mutual fund subscription application information. Although illustrated as being provided through a page, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the overseas mutual fund subscription server 900, thereby providing the present invention. This is not limited.

Hereinafter, in FIG. 13A and FIG. 13B, the client terminal shown in FIG. 9 is referred to as a "terminal" for convenience, and the overseas mutual fund subscription server 900 shown in FIG. 9 is referred to as a "server" for convenience, and the client The customer information, the foreign mutual fund attribute information, and the forward exchange transaction information transmitted from the terminal to the overseas mutual fund subscription server 900 are referred to as "overseas mutual fund subscription application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 9 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the overseas When requesting a web page including a user interface for automatic currency hedging through simultaneous signing of mutual funds and forward exchange transactions (1300), the server correspondingly at least one of the customer information, foreign mutual fund attribute information, and futures exchange transaction information. A user interface for inputting (or selecting) foreign mutual fund subscription application information including the above and transmitting the information to the server; Also it generates a web page (or extract), and 1305, and outputs via the network unit transmits a web page including a user interface, the generated (or extracted) to the mobile station (1310).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the foreign mutual fund subscription information. It is not limited.

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one or more customer information, foreign mutual fund attribute information, and future exchange transaction consent information through a user interface included in the web page (1315).

If the terminal receives (or selects) foreign mutual fund subscription application information including the customer information, foreign mutual fund attribute information, and future exchange transaction agreement information through the user interface (1320), the terminal establishes the communication channel. The input (or selected) customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information are transmitted to the server (1325).

According to the implementation method of the present invention, the terminal for the foreign mutual fund subscription application information from the server to the foreign mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, forward exchange transaction agreement information At least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or a predetermined digital signature is applied to the foreign mutual fund subscription information. In addition, it is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined authentication including at least one encryption key. A certificate, and / or the certificate is 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.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), in order to check the certificate of authentication provided in the IC chip (or IC card) Preferably, one card reader is provided.

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

Thereafter, the server receives and reads the customer information, the foreign mutual fund attribute information, and the future exchange transaction agreement information through the communication channel to confirm the validity of the foreign mutual fund subscription application information (1330).

According to the implementation method of the present invention, the foreign mutual fund subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or a key exchange-based encryption scheme, etc., the server converts the encrypted foreign mutual fund subscription information into at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public) corresponding to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received overseas mutual fund subscription application information.

Alternatively, when a predetermined electronic signature is attached to the overseas mutual fund subscription application information, the server verifies the electronic signature attached to the overseas mutual fund subscription application information, thereby validating the received foreign mutual fund subscription information. It is desirable to authenticate.

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

According to an embodiment of the present invention, if the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined password for confirming the validity of the foreign mutual fund subscription application information, the server It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the password included in the overseas mutual fund subscription application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the overseas mutual fund subscription application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the overseas mutual fund subscription application information, the server may be configured to provide the overseas foreign fund subscription application information. It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the received security card information included in the mutual fund subscription application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the foreign mutual fund subscription application information, the server may be configured as the foreign mutual. By comparing and authenticating the received OTP code included in the fund subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received foreign mutual fund subscription application information It is desirable to authenticate validity.

According to the method of the present invention, the validity of the foreign mutual fund subscription information is matched with the foreign mutual fund subscription application information to the ledger D / B 1100 on the financial system linked to the foreign mutual fund subscription system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 1100 on the financial system.

If the validity of the foreign mutual fund subscription application information is not authenticated (1335), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1340), and joins the foreign mutual fund. Do not perform the procedure.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (1335), the server includes at least one or more customer information including the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information A predetermined document content is generated (1345), and a predetermined overseas mutual fund subscription application electronic document including the document content is generated (1350).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction agreement information included in the received overseas mutual fund subscription application information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of the future mutual exchange with the foreign mutual fund.

Alternatively, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information, and the overseas mutual fund in the document content. After including at least one or more of the customer information included in the subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method, and a document file containing the document content including the watermarking (for example, , 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). Electronic documents for signing up for overseas mutual funds for automatic currency hedging through simultaneous closing of transactions It is desirable to.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Processing an image file including an image content (e.g., image content generated by capturing the document content on a memory) into an overseas mutual fund subscription application electronic document for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is preferable.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, and the forward exchange transaction information into one image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, it is preferable to process the image file including the image content including the watermarking as an overseas mutual fund subscription application electronic document for automatic currency hedge through simultaneous signing of a futures exchange transaction with the overseas mutual fund. Do.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction agreement information included in the received overseas mutual fund subscription application information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) It is advisable to process the fund application form electronically.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, and the forward exchange transaction information into one image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file including at least one DOC, or the like, or including an MHT By creating a document file, etc.), it is desirable to treat a foreign mutual fund subscription for the electronic document automatically hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information. And a predetermined document file (eg, PDF (Portable Document) including image content (eg, image content generated by capturing the document content on a memory) captured by the document content and the overseas mutual fund subscription application information. 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 recommended that the application be processed as an electronic document for signing up for overseas mutual funds for automatic currency hedging. It is right.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. At least one of the customer information included in the overseas mutual fund subscription application information, the overseas mutual fund attribute information, and the forward exchange transaction information is included in an image content (for example, image content generated by capturing the document content on a memory). A document file (for example, a PDF (Portable Document Format) file or an EDI file) that generates an image content including a watermarking method and includes an image content including the watermarking and the information on the subscription of the overseas mutual fund. Electronic Data Interchange) file, 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 desirable to process electronic documents into foreign mutual fund subscription for automatic hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated foreign mutual fund subscription electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 960 and an electronic document D / B 980 associated with a server on the foreign mutual fund subscription system through predetermined communication means. When the server is provided externally, the server transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 960 through the communication means and stores the electronic document D / B 980 in the electronic document server. desirable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 980 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the foreign mutual fund subscription electronic document in the electronic document storage may be performed by linking the generated foreign mutual fund subscription electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (980) shown in.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription 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 electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information and / or financial information for transmitting the foreign mutual fund subscription application electronic document). Institution information, and / or electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document of the foreign mutual fund subscription application is stored in the electronic document repository (1360), the server is based on the customer information included in the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information In operation 1365, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name A financial account is opened and processed (1370).

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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B 1100. It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1100 on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server includes the customer information and the future exchange transaction contract information included in the foreign mutual fund subscription application information, and the financial product operation information and the financial account processing unit 940 generated by the information generation unit 935. The foreign mutual fund subscription information including at least one or more generated financial account information is stored in a predetermined storage medium 985 (1375).

According to an embodiment of the present invention, when the storage medium 1105 is provided in the server or on a network associated with the server, the server includes the customer included in the received foreign mutual fund subscription application information. Preferably, the storage medium 1105 stores foreign mutual fund subscription information including at least one information, a forward exchange transaction contract information, and at least one financial product operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1105 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generates (or extracts) the details of storing the foreign mutual fund subscription information in the storage medium 1105 and transmits the generated information to the terminal (1380).

According to an embodiment of the present invention, the storage medium 1105 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or linked with the overseas mutual fund subscription system). The storage medium 1105 may be a ledger D / B 1100 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100. The invention is not limited.

According to another embodiment of the present invention, the storage medium 1105 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the foreign mutual fund subscription system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

14A, 14B, and 14C are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case in which the foreign mutual fund subscription system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the overseas mutual funds shown in FIG. 9). In the case where the foreign mutual fund subscription server 900 on the fund subscription system is an internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet) and a predetermined customer. After performing the authentication procedure, if the client terminal transmits a predetermined overseas mutual fund subscription application information to the internet banking server to join an overseas mutual fund for automatic currency hedging through simultaneous conclusion of a futures exchange transaction with the foreign mutual fund, The customer information, foreign mutual fund attribute information, forward exchange transaction agreement in the Internet banking server Technical field to which the present invention belongs to an implementation method for processing the subscription to the foreign mutual fund for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction based on the application information for the subscription of the overseas mutual fund including at least one information. If one of ordinary skill in the art can refer to and / or modify the drawings 14a, 14b, and 14c, various inference methods for registering the foreign mutual fund subscription application information through other types of non-face-to-face financial transaction channels are inferred. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 14A, 14B and 14C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 14A, 14B, and 14C, Although an implementation method of connecting an internet banking based financial transaction channel for registering an overseas mutual fund subscription application information between the client terminal and the internet banking server based on the browser program is illustrated, general knowledge in the technical field to which the present invention pertains is disclosed. In the case of a person who owns the service, the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14A, 14B, and 14C is referred to and / or modified, based on a predetermined Internet banking program mounted on the client terminal. Client terminal and Although it is possible to infer a method of connecting an internet banking-based financial transaction channel for registering an overseas mutual fund subscription application information between net banking servers, the present invention provides an internet banking-based financial transaction provided based on the internet banking program. It includes, but the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 14a, 14b and 14c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial transactions channels for registration of foreign mutual fund subscription information. The invention includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention. This is not limited to the case of the Internet banking shown in Figs. 14A, 14B and 14C.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. Thus, the present invention is not limited thereto.

In the following figures 14a, 14b and 14c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the overseas mutual fund subscription server 900 is referred to as " server " for convenience.

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server may access the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1410a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1415a), the server transmits 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. And mount and / or update (1420a).

If the terminal does not need to install and / or update the latest version of the internet banking security module (1425a), or if the terminal does not need to install and / or update the internet banking security module (1415a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1430a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and is provided from the terminal to the server for registration of foreign mutual fund subscription information. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1435a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1440a), the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1445a).

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers a predetermined overseas mutual fund subscription application information for automatic currency hedging through simultaneous signing of an international mutual fund and a forward exchange transaction from the terminal to the server.

Subsequently, when the terminal requests a webpage including a user interface for automatic currency hedging through simultaneous signing of the foreign mutual fund and a forward exchange transaction to the server through an internet banking-based financial transaction channel (1400b), the server correspondingly Generates a web page including a user interface for inputting (or selecting) foreign mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and future exchange transaction agreement information to the server ( Or 1405b), and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1410b).

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) foreign mutual fund subscription application information including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information in the terminal. And / or predetermined password and / or security card information (e.g., in the process of applying for internet banking) to verify the validity of the Internet banking customer requesting to register the foreign mutual fund subscription application information. The security card information printed on the security card issued to the user and / or the one time password (OTP) (e.g., during the internet banking application process (or after an internet banking application) And a user interface for entering a one-time password generated via Is preferred.

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

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information through the financial product subscription interface (1415b).

If the terminal inputs (or selects) foreign mutual fund subscription application information including the customer information, foreign mutual fund attribute information, and future exchange transaction agreement information through the user interface (1420b), the terminal transmits the financial transaction channel. The input (or selection) of the foreign mutual fund subscription application information is transmitted to the server (1425b).

According to the implementation method of the present invention, the terminal for the foreign mutual fund subscription application information from the server to the foreign mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, forward exchange transaction agreement information At least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or a predetermined digital signature is applied to the foreign mutual fund subscription information. In addition, it is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined authentication including at least one encryption key. A certificate, and / or the certificate is a predetermined IC chip (or I) C card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), in order to check the certificate of authentication provided in the IC chip (or IC card) It is preferably provided with a card reader.

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

Thereafter, the server receives and reads the foreign mutual fund subscription application information through the financial transaction channel to confirm the validity of the foreign mutual fund subscription application information (1430b).

According to the implementation method of the present invention, the foreign mutual fund subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or a key exchange-based encryption scheme, etc., the server converts the encrypted foreign mutual fund subscription information into at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public) corresponding to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received overseas mutual fund subscription application information.

Alternatively, when a predetermined electronic signature is attached to the overseas mutual fund subscription application information, the server verifies the electronic signature attached to the overseas mutual fund subscription application information, thereby validating the received foreign mutual fund subscription information. It is desirable to authenticate.

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

According to an embodiment of the present invention, if the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined password for confirming the validity of the foreign mutual fund subscription application information, the server It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the password included in the overseas mutual fund subscription application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the overseas mutual fund subscription application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the overseas mutual fund subscription application information, the server may be configured to provide the overseas foreign fund subscription application information. It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the received security card information included in the mutual fund subscription application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the foreign mutual fund subscription application information, the server may be configured as the foreign mutual. By comparing and authenticating the received OTP code included in the fund subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received foreign mutual fund subscription application information It is desirable to authenticate validity.

According to the method of the present invention, the validity of the foreign mutual fund subscription application information is matched with the foreign mutual fund subscription application information to the ledger D / B 1100 on the financial system linked to the overseas mutual fund subscription system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 1100 on the financial system.

If the validity of the overseas mutual fund subscription application information is not authenticated (1435b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1440b), and joins the foreign mutual fund. Do not perform the procedure.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (1435b), the server includes at least one or more customer information including the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information A predetermined document content is generated (1445b), and a predetermined overseas mutual fund subscription application electronic document including the document content is generated (1450c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction agreement information included in the received overseas mutual fund subscription application information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of the future mutual exchange with the foreign mutual fund.

Alternatively, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information, and the overseas mutual fund in the document content. After including at least one or more of the customer information included in the subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method, and a document file containing the document content including the watermarking (for example, , 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). Electronic documents for signing up for overseas mutual funds for automatic currency hedging through simultaneous closing of transactions It is desirable to.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Processing an image file including an image content (e.g., image content generated by capturing the document content on a memory) into an overseas mutual fund subscription application electronic document for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is preferable.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, and the forward exchange transaction information into one image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, it is preferable to process the image file including the image content including the watermarking as an overseas mutual fund subscription application electronic document for automatic currency hedge through simultaneous signing of a futures exchange transaction with the overseas mutual fund. Do.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction agreement information included in the received overseas mutual fund subscription application information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) It is advisable to process the fund application form electronically.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, and the forward exchange transaction information into one image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file containing at least one DOC or the like, or a web containing MHT By generating a document file, etc., it is preferable to process the foreign mutual fund subscription application electronic document for automatic currency hedging through simultaneous signing of the foreign mutual fund and the forward exchange transaction.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information. And a predetermined document file (eg, PDF (Portable Document) including image content (eg, image content generated by capturing the document content on a memory) captured by the document content and the overseas mutual fund subscription application information. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT). Electronic documents for signing up for foreign mutual funds for automatic currency hedging through the conclusion Preferable.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, and the forward exchange transaction information into one image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file containing the watermarking image content and the foreign mutual fund subscription information). Data Interchange) file or at least one file containing HWP / DOC By generating a de-processor file, or a web document file including the MHT), it is preferable to process the foreign mutual fund subscription application electronic document for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Those skilled in the art to which the present invention pertains include technical features that the server generates an electronic document for subscription of foreign mutual funds in the form of an image file and / or a predetermined document file, and the foreign mutual fund subscription. Since the technical features of the file format of the image file and / or the document file corresponding to the application electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated overseas mutual fund subscription electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 960 and an electronic document D / B 980 associated with a server on the foreign mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 960 through the communication means to store in the electronic document D / B (980) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 980 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the foreign mutual fund subscription electronic document in the electronic document storage may be performed by linking the generated foreign mutual fund subscription electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (980) shown in.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription 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 electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information and / or financial information for transmitting the foreign mutual fund subscription application electronic document). Institution information, and / or electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document storage application electronic document is stored in the electronic document storage (1460c), the server is based on the customer information contained in the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information In operation 1465c, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name Open and process a financial account (1470c).

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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B 1100. It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1100 on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server includes the customer information and the future exchange transaction contract information included in the foreign mutual fund subscription application information, and the financial product operation information and the financial account processing unit 940 generated by the information generation unit 935. The foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium 985 (1475c).

According to an embodiment of the present invention, when the storage medium 1105 is provided in the server or on a network associated with the server, the server includes the customer included in the received foreign mutual fund subscription application information. Preferably, the storage medium 1105 stores foreign mutual fund subscription information including at least one information, a forward exchange transaction contract information, and at least one financial product operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1105 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generate (or extract) details of storing the foreign mutual fund subscription application information in the storage medium 1105 and transmit the generated information to the terminal (1480c).

According to an embodiment of the present invention, the storage medium 1105 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or linked with the overseas mutual fund subscription system). When the storage medium 1105 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby the invention This is not limited.

According to another embodiment of the present invention, the storage medium 1105 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the foreign mutual fund subscription system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

15 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of a future mutual exchange with an overseas mutual fund in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 15, the terminal apparatus 990 on the overseas mutual fund subscription system shown in FIG. 9 is a client terminal, and the overseas mutual fund subscription server 900 is accessible to a client terminal through a predetermined network means. In the case of having a web server function, the customer information, overseas mutual fund attribute information, futures exchange through the client terminal in order for a predetermined customer to join an overseas mutual fund for automatic currency hedging through simultaneous conclusion of a futures exchange transaction with an overseas mutual fund. If the foreign mutual fund subscription application information including at least one transaction agreement information is provided, the foreign mutual fund subscription information is processed in response to the foreign mutual fund subscription application information, and the forward exchange subscription agreement included in the foreign mutual fund subscription information is provided. When entering into forward exchange contract in response to information Regarding the operation flow of the system, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the foreign mutual fund subscription server 900 from the client terminal to the foreign mutual fund subscription server 900 by referring to and modifying the drawing 15. Although it is possible to infer various implementation methods for providing a subscription information to an overseas mutual fund and signing a forward exchange transaction contract in response to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information, the present invention infers the above. It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

In addition, in FIG. 15, when the overseas mutual fund subscription system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e., the overseas mutual fund on the overseas mutual fund subscription system shown in FIG. 9) In the case where the subscription server 900 is an Internet banking server), after the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure, When the client terminal transmits a predetermined overseas mutual fund subscription application information to the internet banking server in order to subscribe to an overseas mutual fund for automatic currency hedging through simultaneous signing of a foreign exchange fund with the foreign mutual fund, the customer is transferred from the internet banking server. Information, at least one foreign mutual fund attribute, and information on futures exchange transactions. Based on the application information of the foreign mutual fund subscription, the foreign mutual fund for automatic currency hedging through the simultaneous signing of the future mutual exchange with the foreign mutual fund is processed, and in response to the information of the future exchange transaction included in the foreign mutual fund subscription application If the person of ordinary skill in the technical field to which the present invention belongs to the execution method for signing a forward exchange transaction contract, refer to and modify this figure 15 to apply for subscription to the foreign mutual fund through another kind of non-face-to-face financial transaction channel It is possible to infer various implementation methods for providing information and joining an overseas mutual fund and concluding a forward exchange transaction contract in response to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information. The seal shown in this figure 15, including all implementation methods. It is not limited in this way.

For example, although the implementation method illustrated in FIG. 15 includes a process of generating a predetermined electronic document corresponding to the forward exchange transaction contract application information and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

Hereinafter, the foreign mutual fund subscription server 900 shown in FIG. 9 is referred to as a "server" in FIG. 15 for convenience, and the customer information and the present exchange are transmitted from the counter terminal to the overseas mutual fund subscription server 900. The transaction contract attribute information and transaction cost information are referred to as "forward exchange transaction contract application information" for convenience.

In response to the overseas mutual fund subscription application information including at least one of customer information, foreign mutual fund subscription information, and futures exchange subscription agreement information, the server confirms the future exchange subscription agreement information included in the foreign mutual fund subscription application information ( 1500).

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

If there is no forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information (1505), the server generates (extracts) notification information indicating that there is no forward exchange subscription agreement and transmits it to the terminal. (1510), the server generates overseas mutual fund subscription confirmation information corresponding to the overseas mutual fund subscription application information (1535), and in connection with the issuing processing device for the contract confirmation corresponding to the overseas mutual fund subscription confirmation information in the server; Output 1540.

On the other hand, when there is a forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the foreign mutual fund subscription application information (1505), the server includes at least one of customer information, forward exchange transaction attribute information, and transaction cost information. In response to the forward exchange transaction contract application information, the forward exchange transaction contract is processed to store the forward exchange transaction contract information corresponding to the processed transaction contract (1513).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining the product, foreign mutual funds are invested by foreign currency rather than domestic currency, so in order to hedge the exchange risk due to the exchange rate difference between the foreign currency and the domestic currency, the transaction at the time of joining the overseas mutual fund It is desirable to include cost information for futures exchange contracts that correspond to costs.

Subsequently, the server generates predetermined document contents including at least one or more customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information, and includes a predetermined future exchange transaction including the document contents. Create a contract application electronic document (1515).

According to an exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. A web file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including a document file including the document content, or an MHT. Document file, etc.) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedging through simultaneous conclusion of a forward exchange transaction with the foreign mutual fund.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and the document content may include the overseas content. After including the customer information included in the mutual fund subscription application information, and at least one or more of the information on the future exchange contract application information associated with the customer information (Watermarking) method, and including the document content including the watermarking The 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) Electronic document application for forward exchange transaction contract for automatic currency hedging through mutual fund and forward exchange It is preferable to process.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( Process an image file including captured image content (e.g., image content generated by capturing the document content on a memory) into an electronic document for requesting a forward exchange transaction contract for automatic currency hedging through simultaneous exchange of a forward exchange transaction with the foreign mutual fund. It is desirable to.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( At least one of customer information included in the foreign mutual fund subscription application information and captured information content (for example, image content generated by capturing the document content on a memory) from the foreign mutual fund subscription application information, and at least one of the future exchange transaction contract application information associated with the customer information. After the above information is included in a watermarking method, an image file including the image content including the watermarking is used as a forward exchange transaction contract application electronic document for automatic currency hedge by simultaneously executing a forward exchange transaction with the overseas mutual fund. It is preferable to process.

According to another exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. And a predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (e.g., a portable document format) file) containing image content (e.g., image content generated by capturing the document content on a memory). Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is desirable to process the forward exchange transaction contract application electronic document.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( At least one of customer information included in the foreign mutual fund subscription application information and captured information content (for example, image content generated by capturing the document content on a memory) from the foreign mutual fund subscription application information, and at least one of the future exchange transaction contract application information associated with the customer information. Generate image content including the above information by a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking. Or a word processor file containing at least one HWP / DOC, or the like, or including an MHT. By generating a web document file, etc.), it is preferable to process the future exchange transaction application electronic document for automatic currency hedging through simultaneous conclusion of a forward exchange transaction with the foreign mutual fund.

According to another exemplary embodiment of the present invention, the server may include document content including at least one customer information included in the received overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. A predetermined document file (e.g., a PDF file) including image content (e.g., image content generated by capturing the document content on a memory) and the overseas mutual fund subscription application information generated by the document content; A Portable Document Format (EDI) file, 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). We recommend that you process the futures exchange transaction contract electronic document for automatic currency hedging through simultaneous transaction. It is.

Alternatively, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and captures the document content ( At least one of customer information included in the foreign mutual fund subscription application information and captured information content (for example, image content generated by capturing the document content on a memory) from the foreign mutual fund subscription application information, and at least one of the future exchange transaction contract application information associated with the customer information. Generating an image content including the above information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file, including the image content including the watermarking and the overseas mutual fund subscription information), Or at least one Electronic Data Interchange (EDI) file or HWP / DOC. By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process as a forward exchange transaction contract application electronic document for automatic currency hedge through the simultaneous signing of the forward exchange transaction with the foreign mutual fund.

Those skilled in the art to which the present invention pertains include technical features that the server generates a forward exchange transaction contract application electronic document in an image file format and / or a predetermined document file format, and the forward exchange transaction contract application electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated futures exchange contract application electronic document in a predetermined former advisory vault (1520).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 960 and an electronic document D / B 980 associated with a server on the foreign mutual fund subscription system through predetermined communication means. When provided externally, the server preferably transmits the generated forward exchange transaction contract application electronic document to the electronic document server 960 via the communication means to store the electronic document D / B (980). .

Or, if the electronic document storage is provided on the DBMS provided in the foreign mutual fund subscription system, the server is the electronic document on the DBMS provided in the foreign mutual fund subscription system to the generated future exchange transaction application electronic document It is possible to store in the electronic document D / B 980 corresponding to the storage, by which the present invention is not limited.

According to the implementation method of the present invention, storing the futures exchange transaction contract application electronic document in the electronic document storage, as shown in Figure 9 by linking the generated futures exchange contract application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (980).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the forward exchange transaction contract application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the future exchange transaction contract application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information, and / or a financial institution that transmits the forward exchange transaction contract application electronic document). Information, and / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the forward exchange transaction contract application electronic document is stored in the electronic document repository (1525), the server generates forward exchange transaction contract confirmation information corresponding to the forward exchange transaction contract application information (1530), and joins an overseas mutual fund in the server. The foreign mutual fund subscription confirmation information corresponding to the application information is generated (1535).

Thereafter, the server outputs the contract confirmation corresponding to the futures exchange transaction contract confirmation information and the contract confirmation corresponding to the foreign mutual fund subscription confirmation information in association with at least one issuing processing device (1540).

According to the present invention, in order to hedge the risk of exchange rate fluctuations when signing up for an overseas mutual fund, which is one of various financial products, to easily hedge the risk of exchange rate fluctuations through an agreement on a future exchange rate when joining an overseas mutual fund. It has the advantage of being able to conclude forward exchange transactions.

In addition, the future exchange transaction contract process is complicated, so it is possible to easily join the forward exchange transaction contract to employees of inexperienced financial institutions, so it is easier to recommend overseas mutual funds to customers.

Claims (5)

Receiving foreign investment product subscription request information including forward exchange transaction consent information of a predetermined customer in a predetermined information receiving means; Processing the customer's subscription to the foreign investment product in response to the foreign investment product subscription application information in a predetermined subscription processing means; Automatically quoting an exchange rate of the foreign investment product for the forward exchange transaction contract in a predetermined contract processing means, and concluding the forward exchange transaction contract based on the quoted exchange rate information; And And storing the forward exchange transaction contract conclusion information in a predetermined information storage means in association with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium. How to enter into a contract. The method of claim 1, And forwarding the newly concluded futures exchange transaction contract information to the customer communication means in a predetermined information transmission means. The method of claim 1, In the contract processing means automatically quotes the exchange rate of the foreign investment product for the future exchange transaction contract, and entering into the future exchange transaction contract based on the quoted exchange rate information, Generating predetermined average futures exchange rate concentration information using foreign currency information, foreign investment product expiration date information, and foreign investment product transaction amount information of the foreign investment product; Identifying (or calculating) a swap point corresponding to the generated average forward exchange concentration rate; Quoting the exchange rate by applying the confirmed (or calculated) swap point; future exchange trading contract conclusion method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information receiving means for receiving foreign investment product subscription application information including information on a forward exchange transaction agreement of a predetermined customer; Subscription processing means for processing the foreign investment product subscription of the customer in response to the foreign investment product subscription application information; Contract processing means for automatically quoting the exchange rate of the foreign investment product for the forward exchange transaction contract, and concluding the future exchange transaction contract based on the exchange rate automatic quoting information; And And information storage means for processing the forward exchange transaction contract conclusion information in association with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium. .

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