KR20090001950A - System and method for option stock collateral loan and program recording medium - Google Patents

Abstract

A system and a method for a loan on option stock security are provided to produce a secured loan and an interest corresponding to the secured loan and process the produced secured loan by using information about the loan on option stock security and an option transaction history. A method for a loan on option stock security comprises the following steps. An information registering unit stores information about the loan on option stock security of a customer who applies the loan on option stock security. An option transaction processing unit processes an option transaction of the stock which is provided from the customer. An information storing unit stores a stock option transaction history and information about the loan on option stock security.

Description

Method and System for Option Collateral Loan and Program Recording Medium

1 is a view showing an option-based secured mortgage information registration system of the face-to-face option for options secured mortgage in accordance with an embodiment of the present invention.

2 is a view showing the configuration of the option portion secured loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the option portion secured loan according to an embodiment of the present invention.

3 is a diagram showing the configuration of the option portion secured loan information stored in the database associated with the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention to be.

4 is a diagram showing the configuration of the option portion secured loan information stored in the DBMS provided in the banking server in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention.

5A and 5B are diagrams illustrating a process of registering option-equity collateral loan information in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating a process of registering option-equity collateral loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of registering option-equity collateral loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating an option part collateral loan information registration system of a face to face option collateral loan according to another exemplary embodiment of the present invention.

9 is a view showing the configuration of the option portion secured loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating an option part collateral loan information structure stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for an option part collateral loan according to another embodiment of the present invention. to be.

11 is a view showing the configuration of the option portion secured loan information stored in the DBMS provided in the banking server in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention.

12 is a diagram illustrating a process of registering option-equity collateral loan information in a face-to-face manner according to another embodiment of the present invention.

13 is a diagram illustrating an option trading system for option trading on a security stock according to one embodiment of the present invention.

14 is a diagram illustrating a ledger configuration corresponding to a security loan application customer account (or loan account) provided in a financial system for option trading on a security stock according to an embodiment of the present invention.

15 is a diagram illustrating a process of processing an option transaction for a security stock according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a loan processing system for an optional part secured loan processing according to an embodiment of the present invention. FIG.

17 is a view showing the configuration of loan processing information stored in the ledger D / B provided in the DBMS on the financial system for the option secured mortgage loan according to an embodiment of the present invention.

18 is a diagram illustrating a process of processing an option transaction for a security stock in a face-to-face manner according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: information storage unit 145: storage medium

150: electronic document server 155: electronic document receiving unit

160: information generating unit 165: electronic document storage unit

170: electronic document D / B 175: information registration terminal

The present invention is the option information secured by the option information, including at least one or more of the customer information, secured loan application information, account information, option transaction agreement information of the customer applying for the option secured mortgage loan in the predetermined information registration means; And storing the data in a predetermined storage medium in association with the customer information, and using the option-equipped collateral loan information stored in the storage medium in a predetermined option transaction processing means, for the predetermined stock provided by the customer as collateral. Processing an option transaction, and storing the option transaction history for the security target stock in a predetermined information storage means in association with the option-equipped collateral loan information (or customer information) and storing the option transaction history on a predetermined storage medium; The predetermined information calculating means uses the option part secured mortgage information stored in the storage medium and the offset chart history information. Calculating the collateral loan amount and interest rate to be provided to the customer; and processing the collateral loan requested by the customer through the calculated collateral loan amount and interest rate in a predetermined loan processing means. It is about.

Currently, mortgage loans are excessively low, so the amount of loans is significantly lower than the market price. In addition, the individual option market has not developed in the past.

Recently, as banks are able to sell short and liquidity increases as a short position for holdings, they need a market advantage and preoccupation for mortgage-related products using options.

An object of the present invention for solving the above problems is an option-equipped mortgage loan, which includes at least one or more customer information, collateral loan application information, account information, option transaction agreement information of a predetermined customer applying for an option-equipped mortgage loan Options trading for a predetermined stock provided by the customer as collateral by using information registration means for processing the information in association with the customer information and storing the information on a predetermined storage medium and the option-equipped collateral loan information stored in the storage medium. An option transaction processing means for processing a; and information storage means for processing the option transaction details on the security target stock in association with the option-equity stock mortgage information (or customer information) and storing the option transaction history in a predetermined storage medium; and the storage medium. The mortgage amount and interest rate to be provided to the customer by using the option-equal stock mortgage information stored in the option and the details of the offer charts. Shipment is to provide the option unit shares mortgage loan processing system that includes a means for customers to process a mortgage application through the information calculation means and the calculated amount of loans and interest rates.

The option-equity stock security loan method according to the present invention includes at least one or more customer information, collateral loan application information, account information, option transaction agreement information of a predetermined customer who applies for an option-based security loan in a predetermined information registration means. And storing the option unit collateral loan information in association with the customer information and storing the option collateral loan information in a predetermined storage medium, and using the option unit collateral loan information stored in the storage medium in a predetermined option transaction processing means. Processing an option transaction for a predetermined stock provided as collateral; and in a predetermined information storage means, processing the option transaction for the collateral subject stock in connection with the option-equity stock mortgage information (or customer information) Storing the information on the storage medium of the option unit; Calculating a mortgage amount and interest rate to be provided to the customer using history details and processing a mortgage loan requested by the customer through the calculated mortgage amount and interest rate at a predetermined loan processing means; Characterized in that made.

According to the present invention, the option part security collateral loan method, the predetermined information storage means by processing the collateral loan processing in conjunction with the customer information (or option part security mortgage information or option transaction history information) predetermined storage And storing the medium in the medium.

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

On the other hand, the option part security mortgage system according to the present invention, the option part stock including at least one or more customer information, collateral loan application information, account information, option transaction agreement information of a predetermined customer applying for an option part security mortgage loan Information registration means for processing collateral loan information in association with the customer information and storing the information on a predetermined storage medium, and the optional stock security loan information stored in the storage medium, for a predetermined stock provided by the customer as collateral. An option transaction processing means for processing an option transaction, information storage means for processing the option transaction details on the security target stock in association with the option-equity collateral loan information (or customer information), and storing the option transaction history in a predetermined storage medium; Mortgage amount and gold to be provided to the customer by using the option-equal stock mortgage information stored in the storage medium and the option history details The information calculated by the means and the amount of the mortgage loan and the interest rate calculation for calculating includes the lending processing means for processing said customer a mortgage loan application is characterized in that formed.

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 showing an option-based secured mortgage information registration system of the face-to-face option for options secured mortgage in accordance with an embodiment of the present invention.

In more detail, Figure 1 shows that a predetermined customer (eg, a customer with a long-term liquidity or treasury stock with a good level of liquidity) for customer option, secured loan application information, account information, If you fill out and submit an option secured mortgage loan application application that includes at least one option transaction agreement information, the counter terminal (or employee terminal) provided at a branch of a financial institution (or a branch or a head office) provides the image through a predetermined image acquisition device. Acquires predetermined image contents corresponding to the option-equity stock loan application, and uses the option-part stock mortgage information registration system through a predetermined information registration interface; When the image content obtained from the option portion secured loan application form is provided, the image controller Generates a predetermined option secured mortgage electronic document including the information and store in a predetermined electronic document storage, and the customer information, collateral loan application information, account information, option transaction agreement included in the option secured mortgage information A system configuration for interworking information and storing the information in a predetermined storage medium 145. Specifically, the electronic document repository is located on an external system linked to the option-equity stock mortgage information registration system through a predetermined communication means. It is about the implementation method provided.

Those skilled in the art to which the present invention pertains may refer to or modify the drawing 1 to infer various implementation methods for the configuration of the option part security mortgage information registration system for option mortgage loans. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 1 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the option-equity stock information registration system. As will be appreciated, the present invention includes all 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. 1, an option part security collateral loan electronic document corresponding to the option part security collateral loan application is illustrated as being generated on the server side on the option part security collateral loan information registration system. However, the present invention is not limited thereto, and the option-equity secured electronic document may be generated at a terminal that acquires the image content corresponding to the option-equity secured loan application through a predetermined image acquisition device. (For example, the electronic document generation function provided on the server side is provided on the terminal side to generate the option-equity secured electronic document), whereby the present invention is not limited.

Hereinafter, the option part stock mortgage information and image contents corresponding to the option part stock mortgage loan application created by the customer are provided through a predetermined information registration interface on the option part stock mortgage information registration system shown in FIG. A component corresponding to at least one or more means or functional configuration for generating an option portion of the secured mortgage electronic document of the electronic document to be stored in a predetermined electronic document storage, and storing the option portion secured loan information on the predetermined storage medium 145 For convenience, it is referred to as "information registration server 100".

Referring to FIG. 1 according to an embodiment of the present invention, the option part security mortgage information registration system for the option part security mortgage loan is provided with a teller terminal provided in at least one financial institution branch (or a branch or a main office). Or an employee registration terminal) including an information registration terminal 175, wherein the information registration terminal 175 is information provided on the option-equal stock mortgage information registration system through a predetermined financial network. The communication channel is connected to the registration server 100.

According to one embodiment of the present invention, the customer visits the financial institution branch (or branch or main branch) for the option-equity mortgage loan, and opens a window provided at the branch of the financial institution (or branch or main branch). An optional option secured loan application for the option secured loan (e.g., a document with a form for filling in at least one information item for the option secured loan) In this case, it is preferable that the customer seals the seal of the transaction of the customer (for example, the seal of the corporation or the seal of use, etc.) for the legal basis for the option-equity stock mortgage application.

Subsequently, when the customer submits the prepared option-equity stock loan application to a teller (for example, a loan clerk, etc.), the teller scans the option-share stock mortgage application through a predetermined image acquisition device and selects it. Image contents acquired through a predetermined window terminal and corresponding to the option part stock mortgage application form and the customer information, collateral loan application information, account information, and options written in the option part stock mortgage application form. Input (or select) an option-equity stock mortgage information including at least one or more transaction agreement information; and correspondingly, the counter terminal transmits the image content and the option-part stock mortgage information through the financial network. It is preferable to transmit to the information registration server 100 provided on the secured loan information registration system.

Here, the window terminal preferably comprises a financial terminal used by the employee of the branch (or branch or head office) of the financial institution, the information registration server 100 is connected to the window terminal on the predetermined financial system It is preferable to include a provided server (eg, ledger server, etc.), the financial network connecting the teller terminal and the information registration server 100 connects the communication channel between the teller terminal and the information registration server 100. It is preferable to comprise the network to say.

In the option-equal stock mortgage information registration system as described above, an image obtaining apparatus for obtaining image content corresponding to the option-part stock mortgage loan application prepared by the customer, the teller terminal used by the employee and the teller terminal and the The financial network connecting the information registration server 100 performs a function of an information registration interface for the customer to register the option portion secured loan information for the option portion secured loan.

The storage medium 145 provided on the option part security mortgage information registration system according to the present invention is the customer information included in the option part security mortgage information provided from the information registration terminal 175, collateral loan application It is characterized in that the information, account information, and options transaction agreement information to process the connection.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (for example, the customer by signing up as a financial transaction customer of the financial institution) Corresponding to at least one member ID information, a customer information file (CIF number, etc.) included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. desirable.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the option part secured loan information registration system (or associated with the option part secured loan information registration system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 145 may be provided on (or associated with) the option secured mortgage information registration system, an internet banking system, a telebanking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the option part secured mortgage information registration system according to the present invention is the option part secured mortgage information registration system side connected to the information registration terminal 175 through a predetermined financial network Generic terms of the components may be implemented by including at least one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), thereby the present invention This is not limited.

According to an embodiment of the present invention, when the information registration terminal 175 is a teller terminal connected to a predetermined financial network, the information registration server 100 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided in, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the method of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 175 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 175 is a window terminal that is connected to a predetermined financial network, the interface unit 105 determines the window terminal and the predetermined window based on the 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) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined information registration terminal 175 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 provides the option. Through the predetermined image acquisition device provided in the information registration terminal 175 for secondary equity mortgage loans to acquire the image content corresponding to the option-based security mortgage application prepared by the customer, Generate (or extract) at least one user interface for inputting (or selecting) corresponding option-equity stock mortgage information to the information registration server 100, and generating the at least one user interface in association with the interface unit 105. The interface providing unit 110 provides the extracted user interface to the information registration terminal 175 and the user interface in the information registration terminal 175. Inputting (or selecting) the option part security mortgage information corresponding to the option part security mortgage application form through the data transmission, the option transmitted from the information registration terminal 175 in conjunction with the interface unit 105 An image corresponding to the option part stock mortgage application created by the customer through the information receiving unit 115 for receiving the sub stock mortgage information and a predetermined image obtaining apparatus based on the user interface in the information registration terminal 175. When the content is obtained and transmitted, it is characterized in that it comprises an image receiving unit 120 for receiving the image content corresponding to the option unit secured loan application in connection with the interface unit 105.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When requesting a user interface for an option stock mortgage loan, through the predetermined image acquisition device provided in the information registration terminal 175 obtains the image content corresponding to the option portion secured loan application written by the customer, At least one user interface for inputting (or selecting) option-equipped mortgage information corresponding to the option-part stock mortgage application to be transmitted to the information registration server 100 through the financial network, or a predetermined The financial information is extracted from a database (not shown) and the generated (or extracted) user interface is linked with the interface unit 105. Through it characterized in that provided in the information registering terminal 175.

According to another exemplary embodiment of the present invention, the information registration terminal 175 acquires image contents corresponding to the option part stock mortgage application created by the customer through a predetermined image obtaining apparatus, and applies the option part stock mortgage application. When a predetermined information registration program is provided with at least one user interface for inputting (or selecting) corresponding option-equity stock mortgage information and transmitting the information to the information registration server 100 through the financial network. Acquire the image content corresponding to the option portion secured loan application prepared by the customer through a predetermined image acquisition device as described above, and input (or select) option portion secured loan information corresponding to the option secured loan application To generate (or extract) a user interface to transmit to the information registration server 100 The interface providing unit 110 provided to the information registration terminal 175 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 175 inputs (or selects) option-equipped collateral loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information through the user interface. In addition, the option (or selected) option secured mortgage information is transmitted to the information registration server 100 through the financial network, the information receiving unit 115 in response to the interface unit 105 Characterized in that the option to receive the information security mortgage loan information sent from the terminal 175.

In addition, the information registration terminal 175 obtains the image content corresponding to the option portion secured loan application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is financed The image receiving unit 120 transmits to the information registration server 100 through a network, and in response thereto, the image receiving unit 120 receives image contents corresponding to the option unit stock mortgage loan application in association with the interface unit 105. It is done.

According to another exemplary embodiment of the present invention, the information registration terminal 175 acquires image content corresponding to the option-equipped stock mortgage application created by the customer through a predetermined image acquisition device in the information registration terminal 175. In the case of pre-stored in a predetermined storage device provided in (or associated with), the information registration terminal 175, through the user interface of the at least one image content pre-stored in the storage device of the option unit made by the customer An image content corresponding to a security loan application is selected and transmitted to the information registration server 100 through the financial network. In response thereto, the image receiving unit 120 is linked to the interface unit 105 to share the option stock. It is desirable to receive image content corresponding to the secured loan application.

According to another exemplary embodiment of the present invention, the option corresponding to the option part stock mortgage application and the option content stock mortgage loan application created by the customer through the user interface at the information registration terminal 175 and the option corresponding to the option part stock mortgage loan application. When the secondary collateral loan information is transmitted together, the information receiver 115 receives the image content corresponding to the optional equity collateral loan application and the optional equity collateral loan information together with the interface unit 105. It is possible (for example, the image receiver 120 is integrated into the information receiver 115 and operated), whereby the present invention is not limited.

Referring to Figure 1, the information registration server 100, when the option unit secured mortgage information transmitted from the information registration terminal 175 through the information receiving unit 115, the received option unit security Characterized in that the loan information is provided with a validity check unit 125 to determine whether the option for the security for the security mortgage loan.

According to an embodiment of the present invention, the validity of the option portion secured loan information is matched with the option portion secured loan information on the ledger D / B on the financial system associated with the option portion secured loan information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the option secured mortgage loan information, the customer information (customer personal information or member information, etc.) associated with the option secured loan security information registration system. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validity check unit 125 is the account ledger stored in the ledger D / B of the information system in the financial system linked to the option information security mortgage information registration system of the information included in the option security mortgage loan information information It is desirable to include checking that the match with.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 175 through the image receiving unit 120, and receives the option through the validity checking unit 125. When the validity of the secondary security loan information is authenticated, the electronic document generation unit 130 for generating a predetermined option security mortgage electronic document including the received image content, and the generated option security Characterized in that the electronic document transmission unit 135 for transmitting the document to the electronic document repository associated with the option secured mortgage information registration system.

The electronic document generation unit 130 may generate an option part security mortgage electronic document including the image content received from the information registration terminal 175 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 shares the image file including the image content received from the information registration terminal 175 through the image receiving unit 120 as it is. It is desirable to treat the option as a secured collateral electronic document.

Alternatively, the electronic document generation unit 130 may store the image content received from the information registration terminal 175 through the image receiving unit 120 to the option unit stock mortgage information received through the information receiving unit 115. The option unit for an image file corresponding to the image content including at least one or more of the included customer information, collateral loan application information, account information, option trading agreement information by watermarking (option) It is desirable to create a stock secured electronic document.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 175 through the image receiving unit 120) By generating a PDF (Portable Document Format) 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 optional equity mortgage electronic document for a mortgage.

Alternatively, the electronic document generation unit 130 may store the image content received from the information registration terminal 175 through the image receiving unit 120 to the option unit stock mortgage information received through the information receiving unit 115. Generates image content including at least one or more of the included customer information, mortgage application information, account information, and optional transaction agreement information by watermarking, and a predetermined document file including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is desirable to create an option-based equity-backed loan electronic document for option-based stock-backed loans.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 175 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) containing at least one option secured mortgage information received; Or a web document file including MHT), it is preferable to generate an option part secured loan electronic document for the option part secured loan.

Alternatively, the electronic document generation unit 130 may store the image content received from the information registration terminal 175 through the image receiving unit 120 to the option unit stock mortgage information received through the information receiving unit 115. Generate image content including at least one or more of the included customer information, collateral loan application information, account information, and optional transaction agreement information by watermarking, and the generated image content and the option portion A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable to generate an option part stock mortgage electronic document for the option part stock mortgage.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 130, the technical features of generating an option-file security loan electronic document of the image file format or a predetermined document file format, and the option You will be familiar with the technical features of the file format of the image file or the document file corresponding to the secondary equity collateral loan electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits the option part security mortgage electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the option part security mortgage information registration system. It is characterized by storing.

As shown in FIG. 1, the electronic document repository is connected to a predetermined electronic document server 150 and an electronic document D, which are linked to the information registration server 100 on the option part secured mortgage information registration system through predetermined communication means. When provided to the outside including / B (170), the electronic document transmission unit 135 is the option portion secured by the electronic document generation unit 130, the electronic loan document through the communication means Characterized in that the transmission to the electronic document server 150.

Here, when the electronic document server 150 and the electronic document D / B (170) is provided outside of the option portion secured mortgage information registration system, the electronic document server 150 and the electronic document D / B 170 is preferably managed by an authorized body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the option part secured mortgage information registration system, the electronic document transmitting unit 135 is connected to the electronic document generating unit 130. It is possible to store the option portion secured loan electronic document generated by the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided in the option portion secured loan information registration system, thereby The invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (for example, an option unit corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 150. The electronic document repository further includes information on the customer who prepared the secured loan application, information on the financial institution that transmits the optional secured loan electronic document, or the format of the electronic document file, or the optional secured loan information. It is possible to transmit to, by which the present invention is not limited.

Referring to FIG. 1, the information registration server 100 has an option part stock mortgage information received through the information receiver 115 having a validity for the option part stock mortgage through the validity checking unit 125. When the authentication information is stored in a predetermined storage medium 145 by linking the customer information, the security loan application information, account information, and the option transaction agreement information included in the option portion secured mortgage information, the authentication is validated It is characterized by comprising (140).

When the validity of the option unit secured mortgage information is confirmed by the validity confirming unit 125, the information storage unit 140, the customer information included in the option mortgage loan information, collateral loan application information, account And storing the information in the storage medium 145 by cooperatively processing information and option transaction agreement information. The storage medium 145 is provided in the information registration server 100 or the information registration server 100. When provided on the associated network, the information storage unit 140 stores the link information by processing the customer information, collateral loan application information, account information, option transaction agreement information included in the received option secured mortgage loan information It is preferable to store in the medium 145, when the storage medium 145 is provided in the DBMS provided on the financial system, the information storage unit 140 is included in the received option option secured loan informationThe customer information, mortgage loan applications, account information, options trading agreement information through the FEP system on the financial information provided to step are preferably stored in a DBMS provided on the financial system.

Referring to FIG. 1, a predetermined option part secured mortgage electronic document is received from the information registration server 100 provided on the option part secured mortgage information registration system to a predetermined electronic document D / B 170. The electronic document server 150 that stores and manages the electronic document receiving unit 155 that receives a predetermined option-equity secured electronic document from the information registration server 100 through a predetermined communication means, and the received option. An information generating unit 160 for generating predetermined electronic document management information for storing and managing a secondary stock secured electronic document in the electronic document D / B 170, and the electronic document management information and the option unit stock mortgage; The electronic document storage unit 165 for storing the electronic document linked to the loan electronic document D / B (170) is characterized in that it is made.

The electronic document receiving unit 155 may receive an option unit stock mortgage loan electronic document in the form of an image file or a document file from the information registration server 100 through the communication means.

According to the exemplary embodiment of the present invention, the option part secured mortgage electronic document received by the electronic document receiver 155 through the communication means is received by the information registration server 100 from the information registration terminal 175. It is preferable that the image file including the image content is included as it is.

Alternatively, the option unit stock secured loan electronic document received by the electronic document receiving unit 155 through the communication means may include the option unit in the image content received by the information registration server 100 from the information registration terminal 175. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information, collateral loan application information, account information, option trading agreement information included in the stock mortgage information by watermarking (watermarking) method Do.

According to another exemplary embodiment of the present invention, the option registration security secured electronic document received by the electronic document receiving unit 155 through the communication means is received by the information registration server 100 from the information registration terminal 175. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the option part stock mortgage loan electronic document received by the electronic document receiving unit 155 through the communication means may include the option part stock in the image content received by the information registration server 100 from the information registration terminal 175. A predetermined document file (e.g., PDF) containing image content including at least one or more of the customer information, the security loan application information, the account information, and the optional transaction agreement information included in the security loan information in a watermarking manner. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the option registration security secured electronic document received by the electronic document receiving unit 155 through the communication means, the information registration server 100 is the information registration terminal 175 At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the image contents received from the option and the information secured mortgage information. A word processor file, or a web document file including MHT).

Alternatively, the option part stock mortgage loan electronic document received by the electronic document receiving unit 155 through the communication means may include the option part stock in the image content received by the information registration server 100 from the information registration terminal 175. Image content including at least one or more of the customer information included in the collateral loan information, collateral loan application information, account information, option transaction agreement information in a watermarking method (predetermined) including the option-equal stock mortgage information 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) It is preferable to make it.

The information generating unit 160 assigns a predetermined electronic document unique number (or unique information) to be assigned to the option unit secured loan electronic document received through the electronic document receiving unit 155, and the electronic document receiving unit 155. 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 option-equal-equity loan electronic document was stored). It features.

According to an exemplary embodiment of the present invention, the information generating unit 160 refers to the option registration server 100 that has transmitted the option unit secured mortgage electronic document received through the electronic document receiving unit 155 and the option. It is preferable to identify the financial institution that has sent the secondary equity collateral loan electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document-related information (e.g., customer information for preparing an option-equity stock loan application corresponding to the image content, financial institution information for transmitting the option-part stock mortgage electronic document, or electronic document file format information, or the option) It is preferable to generate the electronic document management information further including secondary equity collateral loan information.

The electronic document storage unit 165 associates the option unit secured loan electronic document received through the electronic document receiving unit 155 with the electronic document management information generated through the information generating unit 160 to perform a predetermined electronic process. It is characterized in that stored in the document D / B (170).

According to the exemplary embodiment of the present invention, the option registration stock mortgage electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is the information registration server 100 by the information registration terminal. It is preferable that the image file including the image content received from 175 is included as it is.

Alternatively, the option part secured mortgage electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be received by the information registration server 100 from the information registration terminal 175. An image file corresponding to the image content including at least one or more of the customer information, the security loan application information, the account information, and the optional transaction agreement information included in the option-equity stock mortgage information in the image content by a watermarking method. It is preferable to comprise a.

According to another exemplary embodiment of the present invention, the option registration secured mortgage electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is registered by the information registration server 100. A document file including image content received from the terminal 175 (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.). , Or web document files containing MHT).

Alternatively, an option part secured mortgage electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image received by the information registration server 100 from the information registration terminal 175. A predetermined document including image content including at least one or more of the customer information, the security loan application information, the account information, and the optional transaction agreement information included in the option-equity stock mortgage information in a watermarking manner. A 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.

According to another exemplary embodiment of the present invention, the option registration secured loan electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the information registration server 100 the information A predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content received from the registration terminal 175 and the option-equity stock loan information. And a word processor file including at least one or a web document file including MHT).

Alternatively, an option part secured mortgage electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image received by the information registration server 100 from the information registration terminal 175. Image content and at least one of the option information, including the customer information, collateral loan application information, account information, option transaction agreement information included in the option-equity stock mortgage information in the watermarking (watermarking) method; A predetermined document file including loan information (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 including an MHT). Document files).

According to the method of the present invention, the electronic document storage unit 165 processes the electronic document management information stored in the electronic document D / B (170) in association with the option secured mortgage loan electronic document, the option unit It is preferable that a predetermined electronic document unique number (or unique information) assigned to the stock security loan electronic document 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 170 by the electronic document storage unit 165 in association with the option secured mortgage loan electronic document is the option. It is preferable that the financial institution further includes information on the financial institution that transmits the option-equity secured electronic document identified with reference to the information registration server 100 that transmits the secondary secured loan electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 165 processes the link with the option unit secured electronic document. The electronic document management information stored in the electronic document D / B 170 may include the received electronic document related information (for example, customer information for creating an option part stock mortgage application form corresponding to the image content, or the option part). Financial institution information, electronic document file format information, or the option-equipped mortgage loan information, etc.) for transmitting a stock-secured loan electronic document.

2 is a diagram showing the configuration of the option portion secured loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the option portion secured loan according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when the storage medium 145 shown in FIG. An information structure for an implementation method of storing option collateral loan information, including application information, account information, and option transaction agreement information, is shown. If one having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying Figure 2, it would be possible to infer a variety of information configuration methods for storing the option portion secured mortgage information in the ledger D / B, the present invention includes all the inferred implementation method, this figure 2 It is not limited to only the implementation method shown in

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is 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. Including at least one 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 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 linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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.

Referring to FIG. 2, the option part secured loan information provided through the option part secured loan information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. Stock mortgage information is characterized in that it comprises at least one or more customer information, secured loan application information, account information, option transaction agreement information.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

According to another exemplary embodiment of the present invention, the option portion secured loan information is stored in the form of information included in the account ledger (not shown), or added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

3 is a view showing the configuration of the option portion secured loan information stored in the database associated with the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention to be.

In more detail, FIG. 3 illustrates an information structure of an exemplary embodiment in which the storage medium 145 shown in FIG. 1 is stored in a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As one having ordinary skill in the art to which the present invention pertains, various information for storing the option part secured collateral loan information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 3. Although the construction method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the option-equity stock mortgage information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in accordance with the policy of the financial institution, the ledger D of the DBMS) / B is not easy to change, or the system is not easy to expand due to the nature of the financial system), and store the option portion secured loan information in a predetermined database instead of the ledger D / B, the database and the The implementation method of linking and storing ledger D / B is shown.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 3, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 3, the database is characterized by storing the customer information, collateral loan application information, account information, option transaction agreement information included in the option-equipped mortgage loan information, the option-part stock collateral Loan information is preferably made to further include a CIF number corresponding to the ledger information in the option portion secured mortgage information in order to be linked to the ledger D / B.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the option-equity stock mortgage information registration system. desirable.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

4 is a view showing the configuration of the option portion secured loan information stored in the DBMS provided in the banking server in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention.

More specifically, FIG. 4 shows a DBMS in which a storage medium 145 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those of ordinary skill in the art to which the present invention pertains, the optional unit is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 4 It will be possible to infer a method of constructing information on stock mortgage information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the predetermined DBMS provided in the banking server stores and stores the customer information, the security loan application information, the account information, and the option transaction agreement information included in the option collateral loan information. It is done.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

5A and 5B illustrate a process of registering option collateral loan information in a face-to-face manner according to one embodiment of the present invention.

In more detail, Figures 5a and 5b is a window terminal (or employee terminal) in which an information registration terminal 175 on the option-equipped mortgage information registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch or a main office). In the case where the information registration server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network, a predetermined customer is required for the option secured mortgage loan. After filling out and submitting an option-equity stock mortgage application application including at least one of customer information, mortgage loan application information, account information, and option transaction agreement information, the option-unit stock collateral through a predetermined image acquisition device at a predetermined window terminal. Acquire a predetermined image content corresponding to the loan application, and through the predetermined information registration interface to the option secured mortgage information registration system By providing the option portion secured loan information and the image content obtained from the option portion secured loan application corresponding to the secondary security loan application, by generating a predetermined option equity security loan electronic document containing the image content Store in a predetermined storage medium 145 and store in a predetermined storage medium 145 by linking and processing the customer information, collateral loan application information, account information, and optional transaction agreement information included in the option portion secured loan information; As a method, in detail, after obtaining a predetermined image content corresponding to the option portion secured mortgage loan application through a predetermined image acquisition device in the window terminal and transmits it to the information registration server 100, the option unit Register the information by entering (or selecting) the option-equipped stock mortgage information corresponding to the stock mortgage loan application. Member shows a exemplary method for transmitting (100).

Those skilled in the art to which the present invention pertains, various embodiments of the present invention register the option secured mortgage information to the information registration server 100 in the window terminal by referring to or modifying the drawings 5a and 5b. 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 FIGS. 5A and 5B.

For example, in the implementation method shown in FIGS. 5A and 5B, the counter terminal acquires predetermined image contents corresponding to the option-equity stock loan application through a predetermined image acquisition device, or the option-part stock collateral loan. Although the user interface for inputting (or selecting) the option-equity stock mortgage information corresponding to the application is illustrated and described as being provided from the information registration server 100, but if a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the information registration 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 information registration server 100 shown in Figure 1 is referred to as "server" for convenience, and in the window terminal The customer information, the security loan application information, the account information, and the option transaction agreement information transmitted to the information registration server 100 are referred to as "option part security mortgage information" for convenience.

Referring to Figures 5a and 5b, a predetermined customer prepares an option part security mortgage application form including at least one of customer information, mortgage application information, account information, option transaction agreement information for option part security mortgage loan When submitted, the counter terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. Upon requesting an interface (500), in response to the request, the server acquires predetermined image contents corresponding to the option portion secured loan application written by the customer through a predetermined image acquisition device and transmits the predetermined image content to the server. Create (or extract) a user interface (505), and generate (or extract) the user interface through the financial network And a transmission output to the terminal 510.

Thereafter, the terminal acquires image content corresponding to the option-equity stock loan loan application through a predetermined image acquisition device based on the user interface (515).

If the image content corresponding to the option portion secured loan application through the image acquisition device is obtained (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs the option-equipped collateral loan information including at least one of customer information, collateral loan application information, account information, and option transaction agreement information corresponding to the option-equipped stock mortgage application matching the image content ( Or (i) select and generate (or extract) a user interface for transmission to the server (530), and transmit and output the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) option-equity collateral loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information through the user interface (540).

If through the user interface is input (or selected) the option portion secured loan information including at least one of the customer information, secured loan application information, account information, option trading agreement information (545), the terminal is the financial The input (or selected) option security mortgage loan information is transmitted to the server through a network (550).

Thereafter, the server receives and reads the option portion secured loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information through the financial network. Validate for (555).

According to an embodiment of the present invention, the validity of the option portion secured loan information is matched with the option portion secured loan information on the ledger D / B on the financial system associated with the option portion secured loan information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the server may include information about the ledger on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the option part stock mortgage information is linked to the option part stock mortgage information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the server checks whether the account information among the information contained in the option secured mortgage information, the account ledger stored in the ledger D / B on the financial system associated with the option secured mortgage information registration system It is preferable to include what is included.

If the validity of the option portion secured loan information is not authenticated (560), the server generates predetermined information registration error information and transmits it to the terminal (565), corresponding to the option portion secured loan information Do not perform the information registration procedure.

On the other hand, if the validity of the option portion secured loan information is authenticated (560), the server generates a predetermined option portion secured loan electronic document containing the image content (570).

According to an exemplary embodiment of the present invention, the server processes the image file including the image content received from the information registration terminal 175 as an option part stock mortgage electronic document for the option part stock mortgage as it is. It is preferable.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. It is preferable to generate an option part stock mortgage electronic document for the option part stock mortgage from an image file corresponding to image content including information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the image content received from the information registration terminal 175. ) To generate an option part secured loan electronic document for the option secured loan, by generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. Generating image content including information in a watermarking manner, a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) containing the generated image content, or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the option portion secured loan electronic document for the option portion secured loan.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the information registration terminal 175 and the received option collateral loan information. 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 create an option-equity stock secured electronic document.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. Generates image content including information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file or EDI including the generated image content and the option-equity stock loan information). (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 a document.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the option portion secured loan electronic document in the image file format or a predetermined document file format, and the option portion secured loan electronic document Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated option-equity collateral loan electronic document in a predetermined former advisory vault (575).

As shown in FIG. 1, the electronic document repository is connected to a server on the option-based secured mortgage information registration system with a predetermined electronic document server 150 and an electronic document D / B 170. When included in the outside, the server transmits the generated option security mortgage electronic document to the electronic document server 150 through the communication means and stored in the electronic document D / B (170) It is desirable to.

Or, if the electronic document storage is provided on the DBMS provided in the option part secured mortgage information registration system, the server is the option part secured mortgage information registration system It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided therein, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the option part secured loan electronic document in the electronic document storage is performed by linking the generated option part secured loan electronic document and predetermined electronic document management information as shown in FIG. 1. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the option-equity secured 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 option secured mortgage electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which an option part security mortgage application form corresponding to the image content is prepared, or financial institution information transmitting the option part security mortgage electronic document, Or electronic document file format information or the option-equity stock mortgage information, etc.).

If the option part secured mortgage electronic document is stored in the electronic document storage (580), the server includes the customer information, collateral loan application information, account information, option transaction agreement information included in the option part secured loan information To the predetermined storage medium 145 to be stored (585), the predetermined information registration history information (e.g., the history of storing the option-equity secured electronic document in the electronic document storage, or the storage medium ( 145) generates (or extracts) the details of storing the option secured mortgage loan information and transmits the generated information to the terminal (590).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the option part secured loan information registration system (or associated with the option part secured loan information registration system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 145 may be provided on (or associated with) the option secured mortgage information registration system, an internet banking system, a telebanking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B are diagrams illustrating a process of registering option collateral loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 6a and 6b are window terminals provided with the information registration terminal 175 on the option-equity stock mortgage information registration system shown in Figure 1 at a financial institution branch (or a branch or a main office), and the information In the case where the registration server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network, a predetermined customer may receive customer information and a mortgage loan for an option-equity mortgage loan. When a user prepares and submits an option-equity stock loan application application including at least one of application information, account information, and option transaction agreement information, a corresponding window terminal corresponds to the option-based stock security loan application through a predetermined image acquisition device. Acquire a predetermined image content, and through the predetermined information registration interface, the option-based stock collateral loan information registration system When the option part stock mortgage information corresponding to the application form and the image content obtained from the option part mortgage loan application are provided, a predetermined option part stock mortgage loan electronic document including the image content is generated to generate a predetermined electronic document. For storing in a storage medium 145 by storing in a document storage and linking the customer information, the security loan application information, the account information, and the option transaction agreement information included in the option-equity secured loan information; In detail, the counter terminal inputs (or selects) the option part security collateral loan information corresponding to the option part security collateral loan application to the information registration server 100 and transmits it to the information registration server 100, and then through a predetermined image acquisition device. Acquire a predetermined image content corresponding to the option mortgage loan application and transmit it to the information registration server 100 It illustrates an exemplary method.

Those skilled in the art to which the present invention pertains, various embodiments of the present invention register the option secured mortgage loan information to the information registration server 100 to the reference terminal 6a and 6b or modified with reference to the drawings 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 FIGS. 6A and 6B.

For example, in the embodiment shown in Figs. 6A and 6B, the counter terminal acquires predetermined image contents corresponding to the option part stock mortgage application through a predetermined image obtaining apparatus, or the option part stock mortgage loan. Although the user interface for inputting (or selecting) the option-equity stock mortgage information corresponding to the application is illustrated and described as being provided from the information registration server 100, but if a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the information registration 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 information registration server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, the security loan application information, the account information, and the option transaction agreement information transmitted to the information registration server 100 are referred to as "option part security mortgage information" for convenience.

Referring to Figures 6a and 6b, a predetermined customer prepares an option-equity stock mortgage application including at least one of customer information, mortgage application information, account information, and option transaction agreement information for an option-based stock mortgage. And the counter terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, for the option part stock mortgage corresponding to the option part stock mortgage application. If the user interface is requested (600), the server corresponding to the option includes at least one or more customer information, collateral loan application information, account information, option transaction agreement information corresponding to the option-equipped stock mortgage application prepared by the customer Generating (or extracting) a user interface for inputting (or selecting) secondary collateral loan information to the server (605), and The generated (or extracted) user interface is transmitted to the terminal and output through the existing financial network (610).

Thereafter, the terminal inputs (or selects) option-equity collateral loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information through the user interface (615).

If the option-part stock mortgage information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information is input (or selected) through the user interface (620), the terminal receives the financial information. The input (or selected) option security mortgage information is transmitted to the server through a network (625).

Thereafter, the server receives and reads the option part secured loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information through the financial network. Validate for (630).

According to an embodiment of the present invention, the validity of the option portion secured loan information is matched with the option portion secured loan information on the ledger D / B on the financial system associated with the option portion secured loan information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the option secured mortgage loan information, the customer information (customer personal information or member information, etc.) associated with the option secured loan security information registration system. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validity check unit 125 is the account ledger stored in the ledger D / B of the information system in the financial system linked to the option information security mortgage information registration system of the information included in the option security mortgage loan information information It is desirable to include checking that the match with.

If the validity of the option portion secured loan information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), corresponding to the option portion secured loan information Do not perform the information registration procedure.

On the other hand, if the validity of the option portion secured loan information is authenticated (635), the server acquires a predetermined image content corresponding to the option portion secured loan application written by the customer through a predetermined image acquisition device in the terminal; By generating (or extracting) a user interface for transmission to the server (645), and transmits the generated (or extracted) user interface to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the option-equity stock loan application through a predetermined image acquisition device based on the user interface (655).

If the image content corresponding to the option portion secured loan application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server, which receives the option unit stock mortgage information and the image content from the terminal, generates a predetermined option unit stock mortgage electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server processes the image file including the image content received from the information registration terminal 175 as an option part stock mortgage electronic document for the option part stock mortgage as it is. It is preferable.

Alternatively, the server may include customer information and collateral included in the option part stock mortgage information received through the information receiver 115 in the image content received from the information registration terminal 175 through the image receiver 120. An image file corresponding to an image content including at least one or more information of loan application information, account information, and option transaction agreement information by watermarking is included in the option part stock mortgage electronic document for the option part stock mortgage. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the image content received from the information registration terminal 175. ) To generate an option part secured loan electronic document for the option secured loan, by generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. Generating image content including information in a watermarking manner, a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) containing the generated image content, or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the option portion secured loan electronic document for the option portion secured loan.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the information registration terminal 175 and the received option collateral loan information. 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 create an option-equity stock secured electronic document.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. Generating an image content including the above information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the option-equity stock loan information, 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 an MHT), and the like. It is desirable to create an electronic document.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the option portion secured loan electronic document in the image file format or a predetermined document file format, and the option portion secured loan electronic document Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated option-equity secured electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository is connected to a server on the option-based secured mortgage information registration system with a predetermined electronic document server 150 and an electronic document D / B 170 by a predetermined communication means. When included in the outside, the server transmits the generated option security mortgage electronic document to the electronic document server 150 through the communication means and stored in the electronic document D / B (170) It is desirable to.

Or, if the electronic document storage is provided on the DBMS provided in the option part secured mortgage information registration system, the server is the option part secured mortgage information registration system It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided therein, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the option part secured loan electronic document in the electronic document storage is performed by linking the generated option part secured loan electronic document and predetermined electronic document management information as shown in FIG. 1. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the option-equity secured 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 option secured mortgage electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which an option part security mortgage application form corresponding to the image content is prepared, or financial institution information transmitting the option part security mortgage electronic document, Or electronic document file format information or the option-equity stock mortgage information, etc.).

If the option part secured mortgage electronic document is stored in the electronic document storage (680), the server is the customer information included in the option mortgage loan information, mortgage loan application information, account information, option transaction agreement information And store the data in a predetermined storage medium 145 in a predetermined storage medium 145 (685), and store the predetermined information registration history information (e.g., the details of storing the option stock security loan electronic document in the electronic document storage, or the storage medium ( 145) generates (or extracts) the details of storing the option collateral loan information) and transmits the generated information to the terminal (690).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the option part secured loan information registration system (or associated with the option part secured loan information registration system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, the storage medium 145 may be provided on (or associated with) the option secured mortgage information registration system, an internet banking system, a telebanking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B are diagrams illustrating a process of registering option-equity collateral loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 7a and 7b are window terminals in which an information registration terminal 175 on the option-equity stock mortgage information registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch or a main office). In the case where the registration server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network, a predetermined customer may receive customer information and a mortgage loan for an option-equity mortgage loan. When a user prepares and submits an option-equity stock loan application application including at least one of application information, account information, and option transaction agreement information, a corresponding window terminal corresponds to the option-based stock security loan application through a predetermined image acquisition device. Acquire a predetermined image content, and through the predetermined information registration interface, the option-based stock collateral loan information registration system When the option part stock mortgage information corresponding to the application form and the image content obtained from the option part mortgage loan application are provided, a predetermined option part stock mortgage loan electronic document including the image content is generated to generate a predetermined electronic document. For storing in a storage medium 145 by storing in a document storage and linking the customer information, the security loan application information, the account information, and the option transaction agreement information included in the option-equity secured loan information; Specifically, the predetermined information acquisition apparatus corresponding to the option portion secured loan application through the predetermined image acquisition device in the window terminal, and the option portion secured loan information corresponding to the option secured loan application; It shows an implementation method of inputting (or selecting) and transmitting to the information registration server 100.

Those skilled in the art to which the present invention pertains, various embodiments of the present invention register the option secured mortgage information to the information registration server 100 at the window terminal by referring to or modifying the drawings 7a and 7b. 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 FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the counter terminal acquires predetermined image content corresponding to the option part stock mortgage application through a predetermined image obtaining apparatus, or the option part stock mortgage loan. Although the user interface for inputting (or selecting) the option-equity stock mortgage information corresponding to the application is illustrated and described as being provided from the information registration server 100, but if a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the information registration 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 information registration server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, the security loan application information, the account information, and the option transaction agreement information transmitted to the information registration server 100 are referred to as "option part security mortgage information" for convenience.

Referring to Figures 7a and 7b, a predetermined customer prepares an option-equity stock mortgage application form including at least one of customer information, mortgage application information, account information, and option transaction agreement information for an option-equity mortgage loan. When submitted, the counter terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. Upon requesting the interface (700), in response, the server inputs (or selects) the option unit security collateral loan information corresponding to the option unit security collateral loan application prepared by the customer in the terminal, and sets a predetermined image acquisition device. User acquisition for obtaining a predetermined image content corresponding to the option secured mortgage loan application through the transmission to the server Generating the face (or extract), and 705, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) option-equity collateral loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information through the user interface (715).

If the option-equipped collateral loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information is input (or selected) through the user interface (720), the user terminal Based on an interface, image content corresponding to the option-equity stock loan application is obtained through a predetermined image acquisition apparatus (725).

If the image content corresponding to the option portion secured loan application is obtained through the image acquisition device (730), the terminal transmits the option portion secured loan information and image content to the server through the financial network. (735).

Thereafter, the server receives and reads the option part secured loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information through the financial network. Validate for (740).

According to an embodiment of the present invention, the validity of the option portion secured loan information is matched with the option portion secured loan information on the ledger D / B on the financial system associated with the option portion secured loan information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the option secured mortgage loan information, the customer information (customer personal information or member information, etc.) associated with the option secured loan security information registration system. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the server checks whether the account information among the information contained in the option secured mortgage information, the account ledger stored in the ledger D / B on the financial system associated with the option secured mortgage information registration system It is preferable to include what is included.

If the validity of the option portion secured loan information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), corresponding to the option portion secured loan information Do not perform the information registration procedure.

On the other hand, if the validity of the option portion secured loan information is authenticated (745), the server generates a predetermined option portion secured loan electronic document including the image content (755).

According to an exemplary embodiment of the present invention, the server is an option unit for the option secured mortgage lending the image file including the image content received from the information registration terminal 175 through the image receiving unit 120 It is desirable to treat it as an electronic collateral.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. It is preferable to generate an option part stock mortgage electronic document for the option part stock mortgage from an image file corresponding to image content including information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the image content received from the information registration terminal 175. ) To generate an option part secured loan electronic document for the option secured loan, by generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. Generating image content including information in a watermarking manner, a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) containing the generated image content, or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the option portion secured loan electronic document for the option portion secured loan.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF file including the image content received from the information registration terminal 175 and the received option collateral information). A Portable 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 create an option-equity stock secured electronic document.

Alternatively, the server may include at least one of customer information, collateral loan application information, account information, and option transaction agreement information included in the received option collateral loan information in the image content received from the information registration terminal 175. Generates image content including information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file or EDI including the generated image content and the option-equity stock loan information). (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 a document.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the option portion secured loan electronic document in the image file format or a predetermined document file format, and the option portion secured loan electronic document Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated option-equity secured electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository is connected to a server on the option-based secured mortgage information registration system with a predetermined electronic document server 150 and an electronic document D / B 170. When included in the outside, the server transmits the generated option security mortgage electronic document to the electronic document server 150 through the communication means and stored in the electronic document D / B (170) It is desirable to.

Or, if the electronic document storage is provided on the DBMS provided in the option part secured mortgage information registration system, the server is the option part secured mortgage information registration system It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided therein, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the option part secured loan electronic document in the electronic document storage is performed by linking the generated option part secured loan electronic document and predetermined electronic document management information as shown in FIG. 1. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the option-equity secured 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 option secured mortgage electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which an option part security mortgage application form corresponding to the image content is prepared, or financial institution information transmitting the option part security mortgage electronic document, Or electronic document file format information or the option-equity stock mortgage information, etc.).

If the option part secured mortgage electronic document is stored in the electronic document storage (765), the server includes the customer information, collateral loan application information, account information, option transaction agreement information contained in the option part secured loan information And store the data in a predetermined storage medium 145 in a predetermined storage medium 145 (770), and store the predetermined information registration history information (eg, the option-stored stock mortgage electronic document in the electronic document storage, or the storage medium). At 145, the option storing details of the stock mortgage loan information) is generated (or extracted) and transmitted to the terminal (775).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the option part secured loan information registration system (or associated with the option part secured loan information registration system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 145 may be provided on (or associated with) the option secured mortgage information registration system, an internet banking system, a telebanking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

FIG. 8 is a diagram illustrating an option-based stock mortgage information registration system in a face-to-face manner for an optional stock-secured loan according to another embodiment of the present invention.

More specifically, Figure 8 shows a predetermined customer (for example, a customer with a long-term holding of a treasury stock or a third-party stock with a good level of liquidity) through the predetermined information registration interface to the option-equity stock loan information registration system. If the option-equipped mortgage information including at least one of customer information, mortgage application information, account information, and option transaction agreement information is provided for the secondary equity-secured loan, The present invention relates to a system configuration for linking and processing the customer information, the security loan application information, the account information, and the option transaction agreement information included in the secondary stock security loan information in a predetermined storage medium 830. If one of ordinary skill in the art, by referring to or modifying this figure 8, the option part for the option mortgage loan Various implementation methods for the construction of the stock mortgage information registration system may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing the option portion secured loan information provided from the customer on the storage medium 830 via a predetermined information registration interface on the option portion secured loan information registration system shown in FIG. Alternatively, the component corresponding to the functional configuration is referred to as "information registration server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, the option part security mortgage information registration system for the option part security mortgage loan is provided with a teller terminal provided in at least one financial institution branch (or a main office or a branch). Or an employee terminal), including an information registration terminal 835, wherein the information registration terminal 835 is information provided on the option-equity mortgage information registration system through a predetermined financial network. The registration server 800 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (or main office or branch) for the option-equity collateral loan, and through the window provided at the financial institution branch (or main branch or branch). Complete a prescribed application (eg, a document with a form for filling in at least one item of information for an option-equipped mortgage) (or through a teller) and complete the application. Upon submission to the teller, the teller enters (or selects) the information entered in the application through a given teller terminal, and the teller terminal transmits the input (or selected) information to the option through the financial network. It is preferable to transmit to the information registration server 800 provided on the secondary collateral loan information registration system.

In this case, it is preferable that the customer's seal of application of the opportunistic loan secured by the customer seals the seal of the transaction of the customer (for example, the seal of the corporation or the seal of use) for a predetermined legal basis.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch (or head office or a branch) of the financial institution, and the information registration server 800 connected to the teller terminal is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 800 is a branch network connecting the communication channel between the teller terminal and the information registration server 800. It is preferable to comprise a.

In the option-equal stock mortgage information registration system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 800 are provided by the customer. To perform the function of the information registration interface for registering the option-equal mortgage information for the option-equity mortgage loan.

The storage medium 830 provided on the option part secured mortgage information registration system according to the present invention is the customer information included in the option part secured loan information provided from the information registration terminal 835, collateral loan application Characterized in that the information, account information, option transaction agreement information is processed in association with the storage medium 830, the customer information, mortgage loan application information, account information, option transaction agreement information containing at least one or more The option loan secured loan information is used for the option loan secured loan.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (for example, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

According to an embodiment of the present invention, the storage medium 830 is provided in a DBMS on a financial system provided on the option part secured mortgage information registration system (or associated with the option part secured mortgage information registration system). In this case, the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 830 is provided on (or associated with) the option secured mortgage information registration system, an internet banking system, a telebanking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the option part secured mortgage information registration system according to the present invention is the option part secured mortgage information registration system side connected to the information registration terminal 835 through a predetermined financial network Collectively, the components may be embodied including at least one server (or device), or may be embodied by at least one or more programs recorded on a recording medium included in a predetermined server (or device). The invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 835 is a teller terminal connected to a predetermined financial network, the information registration server 800 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided in, or a server (or device) provided in the external system on the financial system, 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 information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 835 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 835 is a window terminal connected to a predetermined financial network, the interface unit 805 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 8, the information registration server 800 connects a communication channel with the information registration server 800 through a predetermined information registration terminal 835 through the interface unit 805, and then the interface unit ( In operation 805, the information registration terminal 835 generates (or extracts) a predetermined user interface for inputting (or selecting) a predetermined option stock mortgage information to the information registration terminal 835. The interface providing unit 810 and the interface unit 805 in conjunction with the information registration terminal 835 receives a predetermined option portion secured mortgage information transmitted (or selected) through the user interface and transmitted through the user interface. The information receiving unit 815, the validity confirmation unit 820 for confirming the validity of the received option option secured mortgage information, and the information contained in the option option secured loan information confirmed Characterized in that it comprises an information storage unit 825 for processing the customer information, collateral loan application information, account information, option transaction agreement information to store in a predetermined storage medium 830.

The interface providing unit 810 is provided in the information registration terminal 835 after a predetermined information registration terminal 835 connects the communication channel with the information registration server 800 through the interface unit 805. In response to the functional configuration, the user may input (or select) the option secured mortgage loan information and generate a predetermined user interface that can be transmitted to the information registration server 800 through the financial network, or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 805 to the information registration terminal 835 through the financial network.

At least one user interface for inputting (or selecting) the option-equity stock mortgage information to the information registration terminal 835 and transmitting it to the information registration server 800 through the financial network according to another embodiment of the present invention. When a predetermined information registration program is provided, the interface providing unit 810 for providing the user interface to the information registration terminal 835 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 835 inputs (or selects) the option part security collateral loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information based on the user interface. And transmits the input (or selected) option collateral loan information to the information registration server 800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 835 is a window terminal connected to a predetermined financial network, the interface providing unit 810 may provide a financial transaction-related program provided in the window terminal. It is preferable to generate (or extract) a user interface of the terminal and provide the generated (or extracted) user interface to the counter terminal through the interface unit 805.

The information receiving unit 815 inputs the option part security collateral loan information including at least one of customer information, collateral loan application information, account information, option transaction agreement information through the user interface at the information registration terminal 835 ( Or select) to transmit through the financial network, the option unit stock mortgage information received in conjunction with the interface unit 805, and the validity check unit for the received option mortgage loan information. Provided at 820.

The validity verification unit 820 is characterized in that whether the option unit security mortgage information received from the information registration terminal 835 satisfies the validity for the option security mortgage loan.

According to an embodiment of the present invention, the validity of the option portion secured loan information is matched with the option portion secured loan information on the ledger D / B on the financial system associated with the option portion secured loan information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 820 may include the customer information (customer personal information, member information, etc.) of the information included in the option-equity mortgage loan information associated with the option-equity mortgage loan information registration system. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity verification unit 820 is the account ledger stored in the ledger D / B of the financial system linked to the option information security loan information registration system of the account information among the information contained in the option security stock loan information; It is desirable to include checking that the match with.

When the validity of the option portion secured loan information is confirmed, the information storage unit 825 processes the customer information included in the option portion secured loan information, collateral loan application information, account information, option transaction agreement information When the storage medium 830 is provided in the information registration server 800, or provided on the network associated with the information registration server 800, the storage medium 830, The information storage unit 825 preferably processes the customer information, the security loan application information, the account information, and the option transaction agreement information included in the received option collateral loan information stored in the storage medium 830. And, if the storage medium 830 is provided in the DBMS provided on the financial system, the information storage unit 825 is the customer information included in the option option secured mortgage information, collateral loan application information, accounting It is preferable to provide left information and option transaction agreement information to the information system through the external system on the financial system and store it in a DBMS provided on the financial system.

9 is a view showing the configuration of the option portion secured loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention.

In more detail, in FIG. 9, when the storage medium 830 illustrated in FIG. 8 is a ledger D / B provided in a DBMS on a financial system, the customer information and the mortgage are included in the ledger information provided in the ledger D / B. An information structure for an implementation method of storing option collateral loan information, including application information, account information, and option transaction agreement information, is shown. If one having ordinary knowledge in the technical field to which the present invention belongs, 9 may be inferred from various information construction methods for storing the option-equity stock mortgage information in the ledger D / B, but the present invention includes all the inferred implementation methods, and It is not limited only to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers, in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is 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 linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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.

Referring to FIG. 9, the option part secured loan information provided through the option part secured loan information registration system shown in FIG. 8 is stored in the form of additional information added to the account ledger. Stock mortgage information is characterized in that it comprises at least one or more customer information, mortgage loan application information, account information, option transaction agreement information.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

According to another exemplary embodiment of the present invention, the option portion secured loan information is stored in the form of information included in the account ledger (not shown), or added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

10 is a view showing the configuration of the option part security collateral loan information stored in the database associated with the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for the option part security mortgage loan according to another embodiment of the present invention to be.

More specifically, FIG. 10 illustrates an information structure of an exemplary embodiment in which the storage medium 830 illustrated in FIG. 8 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As one having ordinary skill in the art to which the present invention pertains, various information for storing the option part secured loan information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 10. Although the construction method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, it is not easy to store the option stock collateral loan information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B is not easy to change, or the system is not easy to expand due to the nature of the financial system), and store the option portion secured loan information in a predetermined database instead of the ledger D / B, the database and the The implementation method of linking and storing ledger D / B is shown.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database stores and stores the customer information, the security loan application information, the account information, and the option transaction agreement information, which are included in the option part stock mortgage information. Mortgage loan information is preferably made to further include a CIF number corresponding to the ledger information in the option stock mortgage loan information to be processed in conjunction with the ledger D / B.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

11 is a diagram showing the configuration of the option portion secured loan information stored in the DBMS provided in the banking server in a face-to-face manner for the option portion secured loan according to another embodiment of the present invention.

More specifically, FIG. 11 shows a DBMS in which the storage medium 830 shown in FIG. 8 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those of ordinary skill in the art to which the present invention pertains, the option unit is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 11 It will be possible to infer a method of constructing information on stock mortgage information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, the predetermined DBMS provided in the banking server stores and stores the customer information, the security loan application information, the account information, and the option transaction agreement information included in the option collateral loan information. It is done.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

12 is a diagram illustrating a process of registering option-equity collateral loan information in a face-to-face manner according to another embodiment of the present invention.

More specifically, in Figure 12, the information registration server 800 on the option secured mortgage information registration system shown in Figure 8 is the ledger server (not shown) function on the financial system linked to the window terminal through a predetermined financial network In the case of having, the window terminal is connected to the information registration server 800 and connected to the communication channel for registering the option secured mortgage information in accordance with the present invention, and then through the communication channel to the information registration server When the option part security mortgage information including the customer information, the security loan application information, the account information, and the option transaction agreement information is transmitted to the 800, the information registration server 800 receives the option part security mortgage loan. The present invention relates to an implementation method of linking and processing customer information, mortgage loan application information, account information, and optional transaction agreement information included in the information in a predetermined storage medium 830. Those skilled in the art can infer various implementation methods for registering the option-equal stock mortgage information from the counter terminal to the information registration server 800 by referring to or modifying the drawing 12. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following figure 12, the window terminal shown in FIG. 8 is referred to as "terminal" for convenience, and the information registration server 800 shown in FIG. 8 is referred to as "server" for convenience, and the information registration in the window terminal. The customer information, the security loan application information, the account information, and the option transaction agreement information transmitted to the server 800 are referred to as "option-equipped mortgage loan information" for convenience.

Referring to FIG. 12, the teller terminal shown in FIG. 8 connects to a server through a predetermined financial network to connect a predetermined communication channel for registering the option-equity stock loan information, and the option-part stock collateral. When requesting registration of the option-equity stock mortgage information for a loan (1200), the server generates (or extracts) a predetermined information registration interface for registering the option-part stock mortgage information (1205), and the communication. The generated (or extracted) information registration interface is transmitted to the terminal through a channel and output (1210).

According to an embodiment of the present invention, the information registration interface inputs (or selects) option-equity collateral loan information including at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information in the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) option-equipped collateral loan information including at least one or more customer information, collateral loan application information, account information, and option transaction agreement information through the information registration interface (1215).

If the terminal inputs (or selects) the optional part security collateral loan information including the customer information, the security loan application information, the account information, and the option transaction agreement information through the information registration interface (1220), the terminal receives the Through the financial network, the option-equipped collateral loan information including the customer information, the security loan application information, the account information, and the option transaction agreement information is transmitted to the server (1225).

Thereafter, the server receives and reads the customer information, the collateral loan application information, the account information, and the option transaction agreement information through the financial network to confirm the validity of the option-equity collateral loan information (1230).

According to an embodiment of the present invention, the validity of the option portion secured loan information is matched with the option portion secured loan information on the ledger D / B on the financial system associated with the option portion secured loan information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity verification unit 820 is a financial information in which the customer information (customer information, personal information, member information, etc.) of the information included in the option security stock mortgage loan information associated with the option security stock loan information registration system It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validity verification unit 820 is the account ledger stored in the ledger D / B of the financial system linked to the option information security loan information registration system of the account information among the information contained in the option security stock loan information; It is desirable to include checking that the match with.

If the validity of the option portion secured loan information is not authenticated (1235), the server generates predetermined information registration error information and transmits it to the terminal (1240), and corresponds to the option portion secured loan information Do not perform the information registration procedure.

On the other hand, if the validity of the option portion secured mortgage information is authenticated (1235), the server performs the information registration procedure corresponding to the option portion secured loan information, the customer information, mortgage loan application information, account information, The option transaction agreement information is cooperatively stored and stored in the predetermined storage medium 830 (1245).

According to an embodiment of the present invention, the storage medium 830 is provided in a DBMS on a financial system provided on the option part secured mortgage information registration system (or associated with the option part secured mortgage information registration system). In this case, the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 830 is provided on (or associated with) the option secured mortgage information registration system, an internet banking system, a telebanking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits the generated information to the terminal (1250), thereby completing the procedure of registering the option part security collateral loan information transmitted from the terminal.

FIG. 13 illustrates an option trading system for option trading on a security stock according to an embodiment of the present invention.

More specifically, Figure 13 shows a predetermined customer (e.g., a customer with long-term holdings of treasury shares or other stocks with good liquidity of a certain scale) through the option-equal stock mortgage information registration system shown in Figure 1 or Figure 8. Submitting a predetermined application for option-equity stock mortgage loan provided from and storing the option-part stock mortgage information corresponding to the application in a predetermined storage medium 1325, the option-part stock stored in the storage medium 1325 The present invention relates to a system configuration for processing an option transaction for a predetermined stock provided by the customer using the customer information, the security loan application information, the account information, and the option transaction agreement information included in the security loan information. Those skilled in the art to which this pertains, option trading for options trading on collateral stocks with reference to or modifying this figure 13 Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, on the option trading system illustrated in FIG. 13, the option part stock mortgage information including at least one of customer information, security loan application information, account information, and option transaction agreement information stored in the storage medium 1325 is used. At least one means or a component corresponding to a functional configuration for processing an option transaction on a predetermined stock provided by the customer as collateral is referred to as an "option transaction processing server 1300" for convenience. The transaction processing server 1300 preferably includes an account system on a financial system connected through a predetermined network (or financial network), but the present invention is not limited thereto.

Referring to FIG. 13 according to an embodiment of the present invention, an option trading system for option trading on the security stock includes customer information, security loan application information, and account information applying for a predetermined loan with a predetermined stock as collateral. And the storage medium 1325 and the storage medium 1325 for storing the option secured mortgage information in which the option transaction agreement information is stored in association with the storage medium 1325 or in conjunction with the storage medium 1325. An optional transaction processing server (1300) for processing a financial transaction for an option transaction for and characterized in that it comprises a financial system in which the security loan application customer account (or loan account) opened.

At least one financial transaction using the option secured mortgage information stored in the storage medium 1325 through the stock mortgage information registration system shown in FIG. 1 or 8 in connection with the option transaction processing server 1300 The financial system that processes a service (eg, an option transaction service, etc.) may register at least one or more window terminals provided at branches (or branches or main offices) of the financial institution and the stock mortgage information shown in FIGS. 1 or 8. The information registration server on the system is characterized in that connected via a predetermined network (or financial network).

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

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

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

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

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

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

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

Referring to FIG. 13, the financial system opens at least one financial account (eg, loan account, etc.) to at least one financial transaction customer (eg, an option-equity stock mortgage applying customer, etc.), and opens the financial account. A computer system provided in a financial institution to provide at least one financial transaction service (eg, an option transaction service, a mortgage service, etc.) on a basis, wherein a credit or reception or trust generated from at least one branch (or window) or An interconnection between the accounting system for handling window services such as foreign exchange, the information system for processing headquarters operations, branch office information support and customer information management, and the financial system and at least one other financial system (or payment system); or At least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Access to the financial system from the Internet, Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc., or various financial transactions through at least one common network (eg CD common network, financial common network). And an external module that provides an interface, wherein the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a component in the financial system. It comprises a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function performance. It features.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. And the ledger information is stored in FIG. 1 or 8. Cached characterized by comprising an option unit Mortgage Co. Business predetermined account ledger corresponding to the customer through the system applied for optional portion Co. mortgage account (e.g., loan accounts, etc.).

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

According to an embodiment of the present invention, the predetermined storage medium 1325 provided on the option trading system or interworking with the option trading system includes at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information. It characterized in that the option to store stock mortgage information including the option.

Here, the customer information is the unique information (for example, personal name, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who made the option-equity mortgage loan application, the business operator, Name, business registration number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., by the customer signing up as a financial transaction customer of the financial institution) And at least one member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system in response to the customer. It is preferable.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

According to the exemplary embodiment of the present invention, the storage medium 1325 further stores the option transaction details information when a predetermined option transaction is performed based on the option-equity secured loan information.

In this case, the option transaction details information is the option to sell the put option for the stock (eg, selling, etc.) and the call option purchase transaction for the same stock item using the option trading authority granted to the security stock of the customer It is characterized by including the details (for example, number of copies, etc.).

The option transaction processing server 1300 provided on the option transaction system according to the present invention may be implemented including at least one or more servers (or devices) or recorded on a recording medium provided in a predetermined server (or device). It may be implemented by at least one or more programs, whereby the present invention is not limited.

According to an embodiment of the present invention, the option transaction processing server 1300 is a ledger server provided on a financial system connected to the teller terminal through a predetermined financial network, or a server provided in an external system on the financial system ( Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto.

Referring to FIG. 13, the option transaction processing server 1300 checks the customer information, the collateral loan application information, the account information, and the option transaction agreement information included in the option part security collateral loan information stored in the storage medium 1325. An option transaction processing unit 1310 for processing an option transaction for a predetermined stock provided by the customer using the checked information confirming unit 1305, the checked option collateral loan information, and the security target And an information storage unit 1315 for processing the option transaction history for the stock in association with the option-equity stock mortgage information and storing it in a predetermined storage medium 1325.

In addition, the option transaction processing server 1300 transmits the option processing details to the collateral application customer communication means (for example, e-mail, mobile phone (SMS, etc.), telephone, fax, homepage, blog, bulletin board, etc.) It may be configured to further include a portion 1320.

The information checking unit 1305 is a security loan application customer information, security loan application information, account information, options stored in the storage medium 1325 through the option section secured mortgage information registration system shown in FIG. Characterized by the option secured mortgage loan information including at least one transaction agreement information, characterized in that to provide the option option secured mortgage loan information to the option transaction processing unit (1310).

The option transaction processing unit 1310, if the option unit secured mortgage information is confirmed through the information confirmation unit 1305, the option transaction for the stock of the customer applying for the collateral loan through the confirmed option mortgage loan information It characterized in that for performing, and provides the option transaction processing history to the information storage unit 1315, information transmission unit 1320.

According to an embodiment of the present invention, the option transaction processing unit 1310 trades a put option for a stock provided by the customer as a collateral for a predetermined loan through a predetermined exchange server, wherein the put option transaction is performed. It is preferable that the stock provided by the customer be traded more than a predetermined collateral lower limit in preparation for falling after the mortgage, and the present invention is not limited thereto.

In addition, the option transaction processing unit 1310 trades a call option for a stock provided by the customer as a collateral for a predetermined loan through a predetermined exchange server, wherein the call option transaction is traded below the security upper limit. It is preferable that the present invention is not limited thereto.

According to an embodiment of the present invention, the exchange server for option trading is preferably provided on the option trading system or in a predetermined option trading institution associated with the option trading system, but is not limited thereto.

For example, it is noted that the option trading can be traded by setting a predetermined contract condition between the option trading parties.

According to an embodiment of the present invention, the option transaction processing unit 1310 may be configured to recognize the stock purchase or sale period (or date and time) included in the option (for example, a put option and a call option) using the secured loan customer stock. It is characterized in that the transaction to correspond to the customer's mortgage expiration period.

The information storage unit 1315, when the option transaction for the security target stock is made through the option transaction processing unit 1310, by processing the option transaction details in conjunction with the option portion secured loan information (or customer information) predetermined It characterized in that the storage in the storage medium 1325.

14 is a view showing a ledger configuration corresponding to a security loan application customer account (or loan account) provided in the financial system for option trading on the security stock according to the method of the present invention.

More specifically, FIG. 14 shows the option part stock mortgage through the option part stock mortgage information registration system shown in FIG. 1 or 8 in the ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, a method of providing an account ledger corresponding to the security loan application customer account (or the loan account) to be applied, and a person having ordinary knowledge in the technical field to which the present invention belongs, will refer to or modify this drawing. By inferring various implementation methods for the ledger configuration corresponding to the security loan application customer account (or loan account) provided in the financial system for option trading on the security stock, the present invention is all inferred It includes an implementation method and is not limited to the implementation method shown in FIG.

Referring to Figure 14 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger ( For example, a reception ledger, a loan ledger, etc.) and at least one information associated with the account ledger are illustrated. If a person having ordinary knowledge in the technical field to which the present invention belongs, the DBMS on the financial system is provided. The ledger D / B includes at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. Will clearly understand that it contains more, and will also be familiar with the specific technical details. Names omitted for simplicity.

The customer ledger is a ledger including customer information corresponding to the security loan application customer account (or loan account) for option trading on the security stock, and includes a customer information file (CIF) number, a country code, a contact ID, a branch No., Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, mailing address, account number, president, type of business, legal representative, date of first transaction, TRW, DB, usage, parent company number. Including at least one 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 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.

The ledger is a ledger corresponding to the secured loan application customer account (or loan account) for option trading on the collateral stock, which is linked in relation to the ledger, account number, CIF number, point number, currency, opening date , Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, final deposit date, last withdrawal date, final It includes at least one deposit amount, the final withdrawal amount, the number of unpaid transactions, interest rate accounting, consolidation, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. Periodic reception information including at least one or more of an account number, abstention (months), period (days), period extension, expiration date and target amount, or account number corresponding to the ledger, the amount of money, amount Trust reception information including at least one amount, pension date and number of shares, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger .), Complex transaction, date of commencement, account line, summary, transaction details including at least one of the 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.

15 is a diagram illustrating a process of processing an option transaction for a security stock according to an embodiment of the present invention.

More specifically, FIG. 15 shows an option unit shown in FIG. 1 or FIG. 8 when the option transaction processing server 1300 on the option trading system shown in FIG. 13 has a ledger server function on the financial system. If you submit a prescribed application for an option-equipped stock mortgage loan from a given customer (for example, a customer with a long-term holding of treasury shares or other stocks with a certain level of liquidity) through the stock mortgage information registration system, When the option-equipped stock mortgage information corresponding to the information is stored in a predetermined storage medium 1325, the customer information included in the option-part stock mortgage information stored in the storage medium 1325, collateral loan application information, account information, and options. The present invention relates to a process of processing an option transaction for a predetermined stock provided by the customer as collateral by using transaction agreement information. Those skilled in the art will be able to infer various implementation methods for the option trading process for option trading on the security stock by referring to or modifying this figure 15, but the present invention is all inferred It includes an implementation method and is not limited to the implementation method shown in FIG.

In the following figure 15, the option transaction processing server 1300 shown in FIG. 13 will be referred to as "server" for convenience.

Referring to FIG. 15, the server uses the option secured mortgage information registration system shown in FIG. 1 or FIG. 8 to provide collateral loan application customer information, mortgage loan application information, and account information, which are stored in the storage medium 1325. Check the option collateral loan information including at least one option transaction agreement information (1500).

According to the exemplary embodiment of the present invention, the option part secured loan information stored in the storage medium 1325 may include at least one of customer information, secured loan application information, account information, and option transaction agreement information.

Here, the customer information is the unique information (eg, personal name, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer with the option security mortgage loan application, business name, company Registration number, corporate registration number, representative's name, address, telephone number, homepage address, e-mail address, etc., and the member's member information (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The collateral loan application information includes at least one or more names, stock codes, and stock certificates (original or copy) of stocks held by the customer, which the option-equity collateral loan application customer provides as collateral for receiving a predetermined loan service. It is preferable to include at least one or more of the stock information, the security loan period, the amount of the security loan application, and the like.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

When the option part security mortgage information is confirmed, the server checks the option transaction agreement information included in the option part security mortgage information, and determines whether or not the option transaction of the security stock according to the present embodiment is processed (1505). .

If the security loan application customer is the customer that provided the option transaction agreement information (1510), the server checks the security stock information included in the option security mortgage loan information (1515), and confirms the confirmed security stock The option transaction is used (1520).

According to an embodiment of the present invention, the server trades a put option for a stock provided by the customer as a collateral for a predetermined loan through a predetermined exchange server, wherein the put option transaction is secured by the customer. It is preferable that the provided stock be traded above a predetermined collateral lower limit in preparation for the decline after the mortgage, and the present invention is not limited thereto.

In addition, the server trades a call option for a stock provided by the customer as a collateral for a predetermined loan through a predetermined exchange server, wherein the call option trading is preferably traded at or below the upper limit of the security. The present invention is not limited.

According to an embodiment of the present invention, the exchange server for option trading is preferably provided on the option trading system or in a predetermined option trading institution associated with the option trading system, but is not limited thereto.

For example, it is noted that the option trading can be traded by setting a predetermined contract condition between the option trading parties.

According to an embodiment of the present invention, the server expires the mortgage of the customer for the stock purchase or sale period (or date and time) included in the option (eg, put option and call option) using the mortgage request customer stock. It is characterized by trading to correspond to the period.

As described above, when the option transaction using the security loan application customer stock is completed (1525), the server generates the option transaction processing history information including the option transaction details according to the option transaction result (1530), and the generated option The transaction processing information is stored in a predetermined storage medium 1325 in association with the option-equipped collateral loan information (or customer information) (1535).

Then, the option transaction processing history information is transmitted to the secured loan application customer communication means to notify the completion of the option transaction (1540).

Here, the security loan application customer communication means, characterized in that it comprises at least one or more e-mail, mobile phone (SMS, etc.), telephone, fax, homepage, blog, bulletin board, messenger.

FIG. 16 is a diagram illustrating a loan processing system for an optional part secured loan processing according to an embodiment of the present invention.

In more detail, Figure 16 shows a predetermined customer (e.g., a customer with long-term holdings of treasury shares or other stocks with a good level of liquidity) through the option-equal stock mortgage information registration system shown in Figure 1 or Figure 8. Submitting a predetermined application for the option secured mortgage loan provided from, and storing the option secured mortgage information corresponding to the application to the predetermined storage medium 1630, through the loan processing system shown in FIG. Options trading for a predetermined stock provided by the customer as collateral by using customer information, collateral loan application information, account information, and option transaction agreement information included in the option-equal stock mortgage information stored in the storage medium 1630. After processing, the system configuration for processing the security loan applied by the customer based on the option transaction history, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for the construction of the loan processing system based on the option transaction for the security stock by referring to or modifying the drawing 16, but the present invention infers the above. All implementations are included, and are not limited to the implementation method shown in FIG.

Hereinafter, in the loan processing system illustrated in FIG. 16, the option part stock mortgage information and the option transaction include at least one of customer information, collateral loan application information, account information, and option transaction agreement information stored in the storage medium 1630. The component corresponding to at least one or more means or functional configuration for processing the mortgage loan requested by the customer by using the processing history information is referred to as " loan processing server 1600 " for convenience. Preferably, the 1600 includes an account system on a financial system connected through a predetermined network (or financial network), but the present invention is not limited thereto.

Referring to FIG. 16 according to an embodiment of the present invention, the loan processing system for the option secured mortgage loan, customer information, secured loan application information, account information, Equipped with the option secured mortgage information, and the storage medium (1630) for storing the option transaction processing history information for the stock, and the storage medium (1630) or the storage It includes a loan processing server 1600 for performing a loan processing based on the option transaction for the security stock in conjunction with the medium 1630 and a financial system in which the security loan application customer account (or loan account) is opened. It is characterized by.

The option secured loan option information stored in the storage medium 1630 and the option transaction shown in FIG. 13 through the stock mortgage information registration system shown in FIG. 1 or 8 in connection with the loan processing server 1600. The financial system that processes at least one financial transaction service (eg, loan service, etc.) using option transaction processing history information stored in the storage medium 1630 through the system may be a branch (or a branch or a main office) of the financial institution. At least one window terminal and an information registration server on the stock mortgage information registration system shown in FIG. 1 or FIG. 8, an optional transaction processing server on the option transaction system shown in FIG. 13, and a predetermined network (or finance). Network) characterized in that the connection through.

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

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

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

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

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

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

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

Referring to FIG. 16, the financial system opens at least one financial account (eg, loan account, etc.) to at least one or more financial transaction customers (eg, an option-equity stock mortgage applying customer, etc.) and based on the financial account. A computer system provided in a financial institution to provide at least one financial transaction service (e.g., option transaction service, mortgage loan service, etc.), wherein a credit or reception or trust or foreign exchange occurring at at least one branch (or counter) is provided. An accounting system that processes a window service, such as an accounting system, an information system that processes a headquarters business, stores information support and customer information management, and an interconnection between the financial system and at least one other financial system (or payment system), or at least At least one non-face-to-face financial transaction means (eg Access to the financial system from the Internet, Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc., or various financial transactions through at least one common network (eg, CD common network, financial common network). And an external module that provides an interface, wherein the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a component in the financial system. Comprising a DBMS (DataBase Management System) comprising at least one database for storing and managing predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed It is characterized by.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (E.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine or supplement the attributes / functions of each ledger) Characterized in that the cooperative process is stored, the ledger information is shown in FIG. It is characterized in that it comprises a predetermined account ledger corresponding to the account of the customer applying for the option secured mortgage loan information registration system shown through the option portion shown.

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

According to the exemplary embodiment of the present invention, the predetermined storage medium 1630 provided on the loan processing system or linked with the loan processing system includes at least one of the customer information, the security loan application information, the account information, and the option transaction agreement information. It is characterized by storing the option secured mortgage loan information and option transaction history information (or option transaction processing history information) including the above.

Here, the customer information is the unique information (for example, personal name, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who made the option-equity mortgage loan application, the business operator, Name, business registration number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., by the customer signing up as a financial transaction customer of the financial institution) And at least one member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system in response to the customer. It is preferable.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (for example, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

The option transaction details information is the option to sell the put option for the stock (eg, sell, etc.) and the call option purchase transaction for the same stock item using the option trading authority granted to the security stock of the customer ( For example, the number of sheets is preferably included.

The loan processing history information may include at least one or more loan amount information, loan period information, and loan interest rate information that can be provided to the customer by collaterally providing the stock provided by the customer with reference to the option transaction history information. Do.

The loan processing server 1600 provided on the loan processing system according to the present invention is implemented to include at least one or more servers (or devices), or at least recorded on a recording medium provided in a predetermined server (or device) It may be implemented in one or more programs, whereby the present invention is not limited.

According to an embodiment of the present invention, the loan processing server 1600 is a ledger server provided on a financial system connected to the teller terminal through a predetermined financial network, or a server provided in an external system on the financial system ( Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto.

Referring to FIG. 16, the loan processing server 1600 may include the customer information, the security loan application information, the account information, the option transaction agreement information, and the option transaction included in the option part secured loan information stored in the storage medium 1630. An information checking unit 1605 which checks the details information, and an information calculating unit 1610 that calculates the amount of the security loan and the interest rate to be provided to the customer by using the checked option secured mortgage information and option transaction detail information. And a loan processing unit 1615 for processing the collateral loan requested by the customer through the calculated collateral loan amount and interest rate, and the collateral loan processing details of the customer information (or the option collateral loan information or option transaction details). Information storage unit 1620 for storing information in a predetermined storage medium 1630 in association with the information).

In addition, the loan processing server 1600 is the loan processing details (for example, loan amount (or loan amount), loan period, interest rate, etc.) the security request customer communication means (for example, e-mail, mobile phone (SMS, etc.)) , A phone, a fax, a homepage, a blog, a bulletin board, etc.) may be configured to further include an information transmitter 1625.

The information checking unit 1605 is a security loan application customer information, security loan application information, account information, options stored in the storage medium 1630 through the option section security mortgage information registration system shown in FIG. The option secured mortgage information including at least one transaction agreement information and option transaction history information according to a predetermined option transaction for the security target stock through the option trading system shown in FIG. In addition, the checked option secured mortgage loan information and option transaction history information is provided to the information calculating unit 1610 and the loan processing unit 1615.

The information calculating unit 1610 calculates the amount of loans available to the secured loan application customer and a corresponding interest rate by referring to option transaction prices and the like included in the option transaction details information. Amount and interest rate information is provided to the loan processing unit 1615.

According to the implementation method of the present invention, the information calculating unit 1610 confirms the option transaction price for the stock provided by the customer as collateral, and calculates the loanable amount to the customer based on the option transaction price. Preferably, the option transaction price (or market price) is calculated between 70% and 80%, but is not limited thereto.

When the loan processing unit 1615 calculates the loanable amount and the corresponding interest rate to the mortgage loan request customer through the information calculating unit 1610, the loan processing unit performs the mortgage processing through the calculated loanable amount and interest rate. It is characterized by.

For example, it is preferable that the loan processing unit 1615 deposit the loanable amount into a loan account previously registered by the secured loan application customer.

The information storage unit 1620, when the loan processing is made based on the option transaction for the stock provided by the customer as collateral through the loan processing unit 1615, the customer information (or option part stocks) Collateral processing with collateral loan information or option transaction details information) and stores in a predetermined storage medium 1630 (or ledger D / B).

17 is a view showing the configuration of loan processing information stored in the ledger D / B provided in the DBMS on the financial system for the option secured mortgage loan according to an embodiment of the present invention.

In more detail, in FIG. 17, when the storage medium 1630 shown in FIG. 16 is a ledger D / B provided in a DBMS on a financial system, the customer information and mortgage loan are included in the ledger information provided in the ledger D / B. An information structure for an implementation method in which loan processing information including application information, account information, option transaction agreement information, mortgage amount information, mortgage period information, and interest rate information is stored is shown. If one of ordinary skill in the art, it will be able to infer various information configuration methods for storing the loan processing information in the ledger D / B by referring to or modifying the figure 17, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Referring to Fig. 17 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and a loan ledger associated with the customer ledger (eg, credit ledger) , Account ledger, etc.) and at least one or more pieces of information associated with the loan ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the loan ledger shown in FIG. 17, B further includes at least one ledger (e.g., account ledger, secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so 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. Including at least one 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 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 loan ledger is linked to the customer ledger relational, loan number, CIF number, collateral, loan, counseling number, approval number, approval application number, execution date, principal repayment method, interest repayment method, interest repayment cycle , After-sales management code, repayment amount (principal), repayment amount (interest), business fund number, etc., and comprises a loan number, approval number, approval history, approval application number, approver for the loan ledger It includes at least one approval history and a loan transaction corresponding to the account ledger, at least one or more loan number, transfer date, transfer amount, transfer registration number.

Here, the approval details are linked to the approval application details including loan number, approval number, approval application number, consultation number, application details, and the approval application details are loan number, approval number, approval application number, consultation It consists of counseling history including number and application amount and relation type.

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

Referring to FIG. 17, the loan processing information provided through the loan processing system shown in FIG. 16 may be stored in the form of additional information added to the loan ledger. The loan processing information may include customer information and a mortgage loan application. Characterized in that it comprises at least one information, account information, option transaction agreement information, mortgage period information, interest rate information.

The customer information is the unique information of the customer who created the option-equity stock loan application (for example, personal name, name, social security number, address, phone number, mobile phone number, e-mail address, etc. Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the option-equity stock mortgage information registration system. Do.

The mortgage loan application information includes at least one secured stock information including at least one of a name, an item code, a stock certificate (original or a copy) of the stock held by the customer, which the customer provides as collateral for receiving a predetermined loan service; It is preferable to include at least one or more of the security loan period, the amount of the security loan application.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

The option transaction details information is the option to sell the put option for the stock (eg, sell, etc.) and the call option purchase transaction for the same stock item using the option trading authority granted to the security stock of the customer ( For example, the number of sheets is preferably included.

The loan processing history information may include at least one or more loan amount information, loan period information, and loan interest rate information that can be provided to the customer by collaterally providing the stock provided by the customer with reference to the option transaction history information. Do.

According to another exemplary embodiment of the present invention, the loan processing information is stored in the form of information included in the loan ledger (not shown), or additional information added to another ledger (eg, a customer ledger) other than the loan ledger. It is possible to be stored in the form, or in the form of information contained in the other ledgers (for example, customer ledger) other than the loan ledger, whereby the present invention is not limited.

18 is a diagram illustrating a process of processing an option transaction for a security stock in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 18 shows a predetermined customer (e.g., a customer with long-term holdings of treasury stocks or other stocks with a good level of liquidity) through the option-equal stock mortgage information registration system shown in FIG. Submitting a predetermined application for option loan secured loan provided from, and storing the option loan security information corresponding to the application in a predetermined storage medium 1630, the loan agent system shown in Figure 13 Options for a predetermined stock provided by the customer as collateral by using the customer information, the security loan application information, the account information, and the option transaction agreement information included in the option-equal collateral loan information stored in the storage medium 1630 through After processing the transaction, the process for processing the collateral loan applied by the customer based on the option transaction history, the technology to which the present invention belongs Those skilled in the art may refer to or modify this drawing 18 to infer various implementation methods for the loan processing process based on the option transaction on the security stock, but the present invention is inferred from all It includes an implementation method and is not limited to the implementation method shown in FIG.

In the following figure 18, the loan processing server 1600 shown in the figure 16 is referred to as " server " for convenience.

Referring to FIG. 18, the server uses the option secured mortgage information registration system shown in FIG. 1 or FIG. 8 to provide collateral loan application customer information, mortgage loan application information, and account information, which are stored in the storage medium 1630. The option collateral loan information including at least one option transaction agreement information and the option transaction history information stored in the storage medium 1630 are checked through the option transaction system illustrated in FIG. 13 (1800).

According to the exemplary embodiment of the present invention, the option-equipped collateral loan information stored in the storage medium 1630 may include at least one or more of customer information, collateral loan application information, account information, and option transaction agreement information.

Here, the customer information is the unique information (eg, personal name, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer with the option security mortgage loan application, business name, company Registration number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the option portion secured mortgage information registration system. .

The collateral loan application information includes at least one or more names, stock codes, and stock certificates (original or copy) of stocks held by the customer, which the option-equity collateral loan application customer provides as collateral for receiving a predetermined loan service. It is preferable to include at least one or more of the stock information, the security loan period, the amount of the security loan application, and the like.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving the loan for the stock of the customer.

The option transaction agreement information may be applied to a transaction transaction condition (eg, a security lower limit corresponding to a Put option purchase or a call option sale) for a right to purchase or sell the security target stock at a predetermined price (or period). And at least one corresponding trading period (or date).

According to the implementation method of the present invention, the option transaction history information is the option trading transaction (eg, selling, etc.) and the same stock item for the stock using the option trading authority granted to the security stock of the customer It is preferable to include a call option purchase transaction (for example, purchase, etc.) for.

When the option-equity stock mortgage information and the option transaction details information are confirmed, the server checks option transaction price information and option transaction period (or date and time) information included in the option transaction details information (1805).

In operation 1810, the server calculates a loan amount and a loan interest rate that can be provided to the security loan application customer by referring to the checked option transaction price information and option transaction period (or date and time) information.

According to the method of the present invention, the server checks the option transaction price for the stock provided by the customer as collateral, and calculates the amount loanable to the customer based on the option transaction price, for example, the option transaction price (or It is preferable to calculate between 70% and 80% of the market value), but is not limited thereto.

When the loan amount and the interest rate that can be provided to the secured loan application customer are calculated, the server applies the calculated loan amount and the interest rate and deposits the loan amount into the loan account registered by the customer, thereby processing the loan. Perform (1815).

When the loan processing is successfully performed for the customer (1820), the server generates loan processing information including loan processing details according to the loan processing result (1825), and the loan processing information is generated by the customer information. In operation 1830, it is stored in a predetermined storage medium 1630 in association with the option secured mortgage information or option transaction details information.

Then, the loan processing information is transmitted to the secured loan application customer communication means, to notify the completion of the option portion secured mortgage transaction in accordance with the present invention. (1835)

Here, the security loan application customer communication means, characterized in that it comprises at least one or more e-mail, mobile phone (SMS, etc.), telephone, fax, homepage, blog, bulletin board, messenger.

According to the present invention, the customer has the advantage that it is possible to borrow at a high rate by using the shares.

In addition, there is an advantage that the risk of loss in case the stock price falls below a certain level can be avoided.

In addition, financial institutions can safely operate loans, and have an advantage of obtaining additional income through stock derivative trading.

Claims (4)

The option information stock collateral loan information including at least one of customer information, collateral loan application information, account information, and option transaction agreement information of a predetermined customer who applies for an option stock security loan in a predetermined information registration means and the customer information. Associating and storing the data in a predetermined storage medium; Processing an option transaction for a predetermined stock provided by the customer as collateral by using option collateral loan information stored in the storage medium in a predetermined option transaction processing means; Storing, by a predetermined information storage means, the option transaction history for the security target stock in association with the option-equipped collateral loan information (or customer information) on a predetermined storage medium; Calculating a mortgage amount and an interest rate to be provided to the customer by using the option part stock mortgage information stored in the storage medium and the option information of the selected option; And And processing the collateral loan requested by the customer through the calculated collateral loan amount and the interest rate in a predetermined loan processing unit. The method of claim 1, And storing the information on the secured loan in a predetermined storage medium in a predetermined information storage means in association with the customer information (or the option secured mortgage information or the option transaction history information). Wealth Loans. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Options-stored collateral loan information including at least one of customer information, collateral loan application information, account information, and options transaction agreement information of a predetermined customer applying for a secured equity loan, and the predetermined storage by processing in conjunction with the customer information Information registration means for storing in a medium; Option transaction processing means for processing an option transaction for a predetermined stock provided by the customer as collateral by using the option secured loan information stored in the storage medium; Information storage means for processing the option transaction history on the security target stock in association with the option-equity stock mortgage information (or customer information) and storing the option transaction on a predetermined storage medium; Information calculating means for calculating a security loan amount and an interest rate to be provided to the customer by using the option unit stock mortgage information stored in the storage medium and the option information of the offset; And And a loan processing means for processing the security loan requested by the customer through the calculated security loan amount and interest rate.

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