KR20090074699A - System for reinvesting deductions and exemptions refund from income - Google Patents

Abstract

A system for reinvesting the refund of deductions and exemptions from income is provided to make a profit by using the tax refund and interest profit of installment savings for stock investment. An account opening unit opens an income deduction cash back account based on the client information and income deduction return account information. The income deduction refund checking unit(1535) confirms the income deduction cash back amount of the client which is paid to the opened income deduction cash back account as described above. The income deduction refund reinvestment unit(1540) reinvests the income deduction cash back amount in the fund or the stocks.

Description

System for Reinvesting Deductions and Exemptions Refund from income}

1 is a view showing a savings account opening and operation system configuration for preparing a child education expenses in accordance with an embodiment of the present invention.

2 is a diagram illustrating a system of opening a savings account in a face-to-face manner for opening a savings account for preparing a child's education expenses according to one embodiment of the present invention.

3 is a diagram illustrating an implementation method in which a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

4 is a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a face-to-face manner according to another embodiment of the present invention associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

FIG. 5 illustrates an implementation method including a DBMS provided in a banking server in which a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a face-to-face manner according to another embodiment of the present invention is provided. One drawing.

6A and 6B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a face-to-face manner according to one embodiment of the present invention.

7A and 7B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a face-to-face manner according to another exemplary embodiment of the present invention.

8A and 8B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a face-to-face manner according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face savings account opening system for opening a savings account for preparing a child's education expenses according to another embodiment of the present invention.

FIG. 10 illustrates an implementation method in which a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention. .

11 is a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a non-face-to-face manner according to another embodiment of the present invention is linked to the ledger D / B provided in the DBMS on the financial system A diagram showing an implementation method including a compiled database.

FIG. 12 illustrates an embodiment of the present invention in which a storage medium storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a non-face-to-face manner includes a DBMS provided in a banking server. Figure is shown.

13A and 13B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a non-face-to-face manner according to one embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating a savings account opening process for opening a savings account for preparing a child's education expenses according to one embodiment of the present invention.

15 is a view showing a savings account operating system for operating a savings account for preparing a child's education expenses in accordance with an embodiment of the present invention.

16 is a diagram illustrating a process of repaying principal and reinvestment proceeds upon maturity due to reinvesting only the amount of interest in a savings account for funding for child education in accordance with the method of the present invention.

17 is a diagram illustrating a process of repaying the principal and reinvestment proceeds upon maturity by reinvesting only the income deduction refund amount of the savings account for preparing the child's education expenses according to the method of the present invention.

18 is a diagram illustrating a process of repaying the principal and reinvestment proceeds upon maturity by reinvesting the interest and income deductions of the savings account for the provision of child education expenses in the fund (or stock) according to one embodiment of the present invention. to be.

The present invention provides an account opening means for opening an income deduction refund account based on the customer information and the income deduction refund account information for reinvesting the income deduction refund amount of the customer in the fund (or stock), and the income deduction refund account opened. An income deduction refund reinvestment system includes an income deduction refund confirmation means for confirming an income deduction refund amount of the customer deposited and an income deduction refund reinvestment means for reinvesting the income deduction refund amount in the fund (or stock).

An object of the present invention for solving the above problems is, account opening means for opening an income deduction refund account based on the customer information and the income deduction refund account information for reinvesting the income deduction refund amount of the customer in the fund (or stock); Income deduction refund means for confirming the income deduction refund amount of the customer deposited into the opened income deduction refund account and income deduction refund reinvestment means for reinvesting the income deduction refund amount in the fund (or stock) It is to provide a system for reinvesting income deductions.

The income deduction refund reinvestment system according to the present invention comprises: account opening means for opening an income deduction refund account based on the information of the customer deduction and the income deduction refund account for reinvesting the income deduction refund amount of the customer in the fund (or stock); Income deduction refund confirmation means for confirming the income deduction refund amount of the customer deposited into the opened income deduction refund account and the income deduction refund reinvestment means for reinvesting the income deduction refund amount in the fund (or stock) It is characterized by.

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 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.

1 is a diagram showing a savings account opening and operation system configuration for preparing a child education expenses in accordance with an embodiment of the present invention.

In more detail, Figure 1 shows that when a customer opens a savings account, the interest amount of the savings account and the amount of income deduction for the customer are retained while preserving the principal of the savings account. Reinvest a fund (or stock) that includes at least one customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction rebate account information to reinvest in a predetermined child education cost. If the deposit opening application information is provided to a predetermined account opening server 105, 120, at the time of opening a predetermined saving account, the account opening server 105, 120 is included in the fund (or stock) reinvestment savings opening application information. Based on customer information corresponding to the parent information and the age of the child in the fund (or stock) reinvestment application information. Generate predetermined fund (or stock) reinvestment deposit information including payment period information, interest fund reinvestment approval information, and income deduction refund account information in the fund (or stock) reinvestment reserve information; After re-investing in a predetermined fund (or stock) based on the generated fund (or stock) reinvestment deposit information in the account management server 110, the principal of the savings account and the savings account reinvestment when the savings account expires. The system configuration is characterized in that the sum of the predetermined reinvestment proceeds for the repayment to the customer.

Referring to FIG. 1 according to an embodiment of the present invention, the savings account opening and operation system receives a predetermined fund (or stock) reinvestment savings application request information transmitted through a predetermined terminal device and opens a predetermined savings account. The account opening server 105, 120, the electronic document server 100 for storing a predetermined savings account opening electronic document corresponding to the opened savings account, and the account opening server 105, 120. After re-investing the interest amount of the savings account and the income deduction for the customer in a predetermined fund (or stock) to generate a predetermined reinvestment profit, and when the savings account expires, the principal and the reinvestment profit are saved from the savings account. It is characterized in that it is provided with an account management server 110 to add up and repay to the customer, and a financial system in which the savings account is opened.

The account opening servers 105 and 120 may include at least one terminal device provided at a branch (or branch) of a financial institution, or at least one client terminal including a wired terminal or a wireless terminal connected through a predetermined communication network. It is characterized by opening the savings account in association.

Here, the account opening server (105, 120) enters the customer information corresponding to the parent, generates the payment period information through the child information, while retaining the principal as it is to reinvest the interest and income deduction refund amount It generates a reinvestment proceeds, thereby repaying the principal and the reinvestment proceeds to the customer when the savings account expires.

According to the method of the present invention, the account opening server 105, 120 at least one of the predetermined customer information and the fund (or stock) reinvestment reserve application information for opening the savings account in the process of opening the savings account; It is preferable to generate a savings account opening electronic document including the above and provide it to the electronic document server 100 through a predetermined communication means, and correspondingly, the electronic document server 100 stores the savings account opening electronic document. Do.

Here, the savings account opening electronic document comprises performing a function to ensure free and non-repudiation of the savings account.

The account management server 110 is associated with a terminal device including at least one of a terminal terminal provided in a branch (or branch) of a financial institution, or a client terminal including a wired terminal or a wireless terminal connected through a predetermined communication network. When the expiration date on the savings account is characterized in that the principal and reinvestment proceeds in the savings account to be repaid and operated.

The financial system is characterized by having ledger information corresponding to the savings account opened by the account opening server (105, 120), computerized for the savings account in conjunction with the account management server 110 It is characterized by performing functions such as processing and ledger.

According to an embodiment of the present invention, the financial system is open to at least one financial transaction customer at least one deposit account, and the computer system provided in the financial institution to provide at least one financial transaction service based on the deposit account A system comprising: an accounting system for processing a windowing service such as a credit or a reception occurring in at least one branch office (or a window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, or at least And an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Stores and manages interface modules corresponding to the middleware platform and predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. It is preferred to have a DBMS (DataBase Management System) comprising at least one or more databases.

According to the present invention, the DBMS provided in the financial system for the financial institution to open at least one or more savings account to at least one or more financial transaction customers, and to provide at least one financial transaction service based on the savings account And a ledger D / B 115 for storing at least one ledger, wherein the ledger D / B 115 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific (or supplementing) the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 115 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the 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 that the detailed description thereof will be omitted for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the account opening server 105 and 120 and the account management server 110 are illustrated as being configured as separate servers, but the server configuration of the present invention is described above. It is not limited to the account opening server 105, 120 and the account management server 110, the account opening server 105, 120 and the account management server 110 is configured as a server, or provided in each server It is possible to implement in the form of a separate server (or device) to the program module provided in each server for each functional configuration, it will be apparent that the present invention is not limited thereby.

2 is a diagram illustrating a system for opening a savings account in a face-to-face manner for opening a savings account for preparing a child's education expenses according to one embodiment of the present invention.

More specifically, Figure 2 is a predetermined financial institution prepared by a given customer, including a predetermined customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information When submitted to the window provided in the, the financial institution opens a savings account for opening a savings account for the child's education expenses based on the fund (or stock) reinvestment savings opening application information corresponding to the savings account application, A system for storing fund (or stock) reinvestment deposit information for managing the savings account in a predetermined storage medium 270, and a person of ordinary skill in the art to which the present invention pertains, FIG. Refer to or modify the system to establish a savings account opening system for opening a savings account for raising child education expenses. Would be able to infer a variety of exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 2 to configure a savings account opening system that omits the method of storing the savings account opening electronic document in the electronic document storage. It may be inferred, and also in the case where the deposit account opening electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 2, the electronic document storage is provided in a DBMS located in the saving account opening system. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 2, in the method for generating the savings account opening electronic document, the savings account opening electronic document corresponding to the savings account application is generated on the server side on the savings account opening system. Although illustrated and described, the present invention is by no means limited thereto, and the savings account opening electronic document may be generated on a terminal side that has obtained image content corresponding to the savings account application through a predetermined image obtaining apparatus (eg, And the electronic document generating function provided at the server side is provided at the terminal side to generate the savings account opening electronic document), whereby the present invention is not limited thereto.

Hereinafter, the customer opens the savings account in response to the savings account application and the fund (or stock) reinvestment savings application information prepared by the customer through a predetermined savings account opening interface on the savings account opening system shown in FIG. At least one means or a component corresponding to a functional configuration for generating a predetermined savings account opening electronic document and storing it in a predetermined electronic document storage corresponding thereto is referred to as "account opening server 105" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a savings account opening system for opening a savings account for preparing the child's education expenses includes a terminal including a teller terminal provided in at least one financial institution branch (or branch). And a device 275, wherein the terminal device 275 is connected to an account opening server 105 provided on the savings account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to open a savings account for preparing the child's education expenses, and through a window (or window) provided at the financial institution branch branch (branch branch). Staff) to provide a savings account application for opening a savings account for raising child education expenses (e.g., a document with a form for filling in at least one information item for opening a savings account for raising child education expenses); In this case, it is desirable for the customer to seal the customer's seal for the legal basis for the savings account application.

Subsequently, when the customer submits the completed savings account application to the teller, the teller scans the deposit account application through a predetermined image obtaining device to obtain predetermined image contents, and through the predetermined teller terminal, A fund (or stock) that includes at least one image content obtained in response to a savings account application, customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information on the savings account application. Input (or select) reinvestment opening application information, and correspondingly, the counter terminal sends the image content and the fund (or stock) reinvestment opening application information on the savings account opening system through the financial network. It is preferable to transmit to the establishment server 105.

Here, the window terminal preferably comprises a financial terminal used by the employee of the branch (or branch) of the financial institution, the account opening server 105 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (eg, a ledger server, etc.), and the financial network connecting the teller terminal and the account opening server 105 connects the communication channel between the teller terminal and the account opening server 105. It is preferable to comprise a network.

In the savings account opening system as described above, an image acquisition device for acquiring image contents corresponding to a savings account application prepared by the customer, a teller terminal used by the employee, the teller terminal and the account opening server 105 The connecting financial network performs a function of a savings account opening interface for the customer to register a fund (or stock) reinvestment savings opening application information for opening a savings account for raising the child's education expenses.

The storage medium 270 provided on the savings account opening system according to the present invention has customer information corresponding to the savings account opened through the fund (or stock) reinvestment savings opening application information provided from the terminal device 275. And fund (or stock) reinvestment deposit information including at least one or more information, such as savings account information, payment amount information, payment period information, interest rate information, interest amount reinvestment approval information and income deduction refund account information.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. It is preferable that the re-investment approval and the income deduction refund account information including the account number for the income deduction refund comprises at least one.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. And at least one or more of the like.

The savings account information is the savings account information corresponding to the savings account opened through the savings account application information, the savings account information comprises at least one or more account number, account holder name, etc. corresponding to the savings account It is preferable.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

The interest amount reinvestment approval information may include at least one or more approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, and the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

According to one embodiment of the invention, the storage medium 270 is preferably provided in a DBMS on a financial system provided on the savings account opening system (or associated with the savings account opening system), wherein the storage medium 270 The storage medium 270 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 270 is provided on (or associated with) the savings account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The account opening server 105 provided on the savings account opening system according to the present invention is a generic term for the savings account opening system side components connected to the terminal device 275 through a predetermined financial network. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 275 is a teller terminal connected to a predetermined financial network, the account opening server 105 is connected to the teller terminal connected to the teller terminal through a predetermined financial network. It may be a ledger server provided, 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 an embodiment of the present invention, the account opening server 105 is provided with an interface unit (or interface means) 200 for connecting and managing a predetermined communication channel with the terminal device 275 through the financial network. Characterized in that made.

According to an exemplary embodiment of the present invention, when the terminal device 275 is a window terminal connected to a predetermined financial network, the interface unit 200 may select the window terminal and the predetermined 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. 2, when the predetermined terminal device 275 connects a predetermined communication channel with the account opening server 105 through the interface unit 200, the account opening server 105 costs the child's education expenses. A fund corresponding to the savings account application is obtained by acquiring image contents corresponding to the savings account application prepared by the customer through a predetermined image acquisition device provided in the terminal device 275 for opening a savings account for the preparation. Stock) generate (or extract) at least one user interface for inputting (or selecting) re-investment saving application information and transmitting it to the account opening server 105, and generating (or extracting) in connection with the interface unit 200; Or an interface providing unit (or interface providing means) 205 for providing the extracted user interface to the terminal device 275 and the terminal device 275. When the fund (or stock) reinvestment deposit opening application information corresponding to the savings account application is input (or selected) and transmitted through the user interface, the terminal device 275 in connection with the interface unit 200 is transmitted. An information receiver (or information receiver) 210 for receiving the fund (or stock) reinvestment savings application information and the image acquisition apparatus based on the user interface in the terminal device 275 may be used by the customer. When an image content corresponding to the created savings account application is obtained and transmitted, an image receiving unit (or image receiving means) 215 for receiving the image content corresponding to the savings account application is provided in cooperation with the interface unit 200. Characterized in that made.

The interface providing unit 205 connects a predetermined communication channel with the account opening server 105 through the interface unit 200, and then connects the child to the account opening server 105. When requesting a user interface for opening a savings account for preparing an education fee, an image content corresponding to the savings account application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device 275, and the savings account Create (or select) at least one user interface for inputting (or selecting) fund (or stock) reinvestment opening application information corresponding to the application to the account opening server 105 via the financial network; (Not shown) and extracts the generated (or extracted) user interface in conjunction with the interface unit 200. Through yungmang it characterized in that provided in the terminal device (275).

According to another embodiment of the present invention, the terminal device 275 acquires image contents corresponding to the deposit account application prepared by the customer through a predetermined image obtaining apparatus, and a fund (or stock) corresponding to the deposit account application. When a predetermined information registration program having at least one user interface for inputting (or selecting) reinvestment opening application information to be transmitted to the account opening server 105 through the financial network is provided, the predetermined information as described above is provided. Acquire image contents corresponding to the savings account application prepared by the customer through the image acquisition device of the user, and input (or select) the fund (or stock) reinvestment savings opening application information corresponding to the savings account application; Generate (or extract) a user interface to transmit to the terminal 105 Interface, and providing (205) a mubang be omitted provided by 275, to which the present invention is not limited.

Thereafter, the terminal device 275 opens a fund (or stock) reinvestment deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information through the user interface. The application information is input (or selected), and the input (or selection) fund (or stock) reinvestment opening application information is transmitted to the account opening server 105 through the financial network. In operation 210, the fund (or stock) reinvestment opening establishment request information transmitted from the terminal device 275 is received in connection with the interface unit 200.

According to one embodiment of the present invention, the fund (or stock) reinvestment reserve application information is preferably made of customer information, payment amount information, child information, interest amount reinvestment approval information, income deduction refund account information and the like.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The child information is information for generating payment period information of the savings account, characterized in that the age of the child is included.

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

In addition, the terminal device 275 obtains the image content corresponding to the savings account application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network It is transmitted to the account opening server 105, in response to the image receiving unit 215 is characterized in that for receiving the image content corresponding to the savings account application in connection with the interface unit 200.

According to another exemplary embodiment of the present invention, the terminal device 275 acquires image content corresponding to the deposit account application written by the customer through a predetermined image acquisition device, and is provided to the terminal device 275 (or When the terminal device 275 is previously stored in a predetermined storage device, the terminal device 275 may store image content corresponding to a savings account application created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select and transmit the image to the account opening server 105 through the financial network. In response thereto, the image receiving unit 215 receives the image content corresponding to the savings account application in connection with the interface unit 200. desirable.

According to another exemplary embodiment of the present invention, the terminal device 275 opens image contents corresponding to the savings account application prepared by the customer through the user interface and opens the fund (or stock) reinvestment deposit corresponding to the savings account application. When the application information is transmitted together, the information receiving unit 210 may receive the image content corresponding to the savings account application and the fund (or stock) reinvestment savings opening application information together with the interface unit 200. (For example, the image receiving unit 215 is integrated into the information receiving unit 210 and operated), whereby the present invention is not limited.

Referring to FIG. 2, the account opening server 105 receives the fund (or stock) reinvestment opening application information transmitted from the terminal device 275 through the information receiving unit 210. (Or shares) re-investment savings opening application information is characterized in that it comprises a validity verification unit (or validity verification means) 220 to check whether the validity for opening the savings account for the child's education expenses prepared.

According to the method of the present invention, the validity of the fund (or stock) reinvestment savings application information can be verified by reinvesting the fund (or stocks) in the ledger D / B 115 on the financial system linked to the savings account opening system. It is preferable to include whether the at least one ledger information matching the savings application information is registered.

For example, the validity of the fund (or stock) reinvestment reserve application information may be checked in the information included in the fund (or stock) reinvestment saving application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the savings account opening system.

Referring to FIG. 2, the account opening server 105 receives the image content transmitted from the terminal device 275 through the image receiving unit 215, and receives the fund through the validity checking unit 220. Or a stock) an electronic document generation unit (or electronic document generating means) 225 for generating a predetermined savings account opening electronic document including the received image content when the validity of the reinvestment savings application information is authenticated; And an electronic document transmission unit (or electronic document transmission means) 230 for transmitting the generated savings account opening electronic document to the electronic document repository associated with the savings account opening system.

The electronic document generation unit 225 generates a savings account opening electronic document including the image content received from the terminal device 275 through the image receiving unit 215.

According to an exemplary embodiment of the present invention, the electronic document generator 225 prepares the child's education expenses as the image file including the image content received from the terminal device 275 through the image receiver 215. It is advisable to process a savings account electronic document for opening a savings account.

Alternatively, the electronic document generator 225 opens a fund (or stock) reinvestment deposit received through the information receiver 210 on the image content received from the terminal device 275 through the image receiver 215. Recalling an image file corresponding to an image content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the application information in a watermarking manner. It is advisable to create a savings account opening electronic document for opening a savings account to raise child education expenses.

According to another exemplary embodiment of the present invention, the electronic document generating unit 225 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 275 through the image receiving unit 215. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a savings account opening electronic document for opening a savings account.

Alternatively, the electronic document generator 225 opens a fund (or stock) reinvestment deposit received through the information receiver 210 on the image content received from the terminal device 275 through the image receiver 215. Generating image content including water information including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application information; Any document file containing image content (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 MHT) Generating a savings account opening electronic document for opening a savings account for raising the child's education expenses; It is preferred.

According to another exemplary embodiment of the present invention, the electronic document generator 225 may receive the image content and the information receiver 210 received from the terminal device 275 through the image receiver 215. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the received fund (or stock) reinvestment reserve application information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a savings account opening electronic document for opening a savings account for preparing the child's education expenses.

Alternatively, the electronic document generator 225 opens a fund (or stock) reinvestment deposit received through the information receiver 210 on the image content received from the terminal device 275 through the image receiver 215. Generating image content including water information including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application information; At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing image contents and application information for opening a fund (or stock) reinvestment deposit. Saving word account for the child's education expenses by generating a word processor file, or a web document file including MHT) To create an e-savings account opening documentation for the installation is preferred.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generating unit 225 creates a savings account opening electronic document of the image file format or a predetermined document file format, and the opening of the savings account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitter 230 transmits and stores the electronic account opening electronic document generated by the electronic document generator 225 to a predetermined electronic document repository associated with the electronic account opening system. .

As shown in FIG. 2, the electronic document repository is connected to an account opening server 105 on the savings account opening system with a predetermined electronic document server 100 and an electronic document D / B 265 linked through predetermined communication means. When provided externally, the electronic document transmission unit 230 is the electronic document server 100 via the communication means to open the savings account opening electronic document generated by the electronic document generation unit 225 It characterized in that the transmission to.

Here, when the electronic document server 100 and the electronic document D / B 265 is provided outside the savings account opening system, the electronic document server 100 and the electronic document D / B 265 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the savings account opening system, the electronic document transmission unit 230 is the generated by the electronic document generation unit 225 It is possible to store the savings account opening electronic document in the electronic document D / B 265 corresponding to the electronic document storage on the DBMS provided in the savings account opening system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 230 is electronic document related information for generating predetermined electronic document management information in the electronic document server 100 (for example, a savings account corresponding to the image content) Information on the financial institution that transmits the savings account opening electronic document, or the electronic document file format information, or the fund (or stock) reinvestment opening application information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to Figure 2, the account opening server 105 for fund (or stock) reinvestment savings opening application information received through the information receiving unit 210 through the validity confirmation unit 220 for preparing the child education expenses If the validity for opening a savings account is authenticated, the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the funds (or stocks) reinvestment savings application information for which the validity is authenticated. An information generating unit (or information generating means) 235 for generating the savings account information on the basis of; and an account opening unit (or account opening means) for opening and processing a savings account under the customer's name including the savings account information. It is characterized by comprising a 240.

When the validity of the fund (or stock) reinvestment reserve application information is confirmed by the validity confirmation unit 220, the information generation unit 235 is a child included in the fund (or stock) reinvestment fund opening application information And generating payment period information of the fund (or stock) reinvestment reserve information based on the age of the child in the information.

Here, the savings account information preferably comprises an account number and an interest rate information corresponding to the savings account opened based on the fund (or stock) reinvestment savings application information, the predetermined payment date and payment information It is preferred to further comprise a.

The account opening unit generates a customer ledger including customer information included in the application for opening a savings account in connection with the financial system (or checks a customer ledger that is matched with the customer information) and the savings account information. After generating predetermined account ledger information including a, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, prepare the child education expenses corresponding to the fund (or stock) reinvestment savings application information It is characterized by opening a predetermined savings account for opening a savings account for.

According to an embodiment of the present invention, when the account opening server 105 and the financial system exist in the same system, the account opening unit 240 is stored in the ledger D / B 115 in association with the financial system. It is desirable to create a predetermined ledger containing account information.

According to another exemplary embodiment of the present invention, when the account opening server 105 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 240 may use a predetermined communication means. It is preferable to request the ledger D / B 115 on the other financial system to create a predetermined ledger including the savings account information through the external system on the financial system.

Referring to Figure 2, the account opening server 105 for fund (or stock) reinvestment savings opening application information received through the information receiving unit 210 through the validity confirmation unit 220 for preparing the child education expenses If the validity for opening a savings account is authenticated, the customer information, savings account information, payment amount information, payment period information, interest rate information, and interest amount reinvestment included in the funds (or stocks) reinvestment application for recertifying the validity of the savings account And an information storage unit (or information storage means) 245 for storing the fund (or stock) reinvestment deposit information including at least one of approval information and income deduction refund account information in a predetermined storage medium 270. It features.

When the validity of the fund (or stock) reinvestment savings opening application information is confirmed by the validity confirming unit 220, the information storage unit 245 may be included in the fund (or stock) reinvestment savings opening application information. The storage medium 270 may include fund (or stock) reinvestment deposit information including at least one of customer information, savings account information, payment amount information, payment period information, interest rate information, interest amount reinvestment approval information, and income deduction refund account information. Characterized in that stored in.

According to an embodiment of the present invention, when the storage medium 270 is provided in the account opening server 105 or on the network associated with the account opening server 105, the information storage unit 245 A fund (or stock) including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the received fund (or stock) reinvestment reserve application information; It is preferable to store the reinvestment deposit information in the storage medium 270.

According to another exemplary embodiment of the present invention, when the storage medium 270 is provided in a DBMS provided on a financial system, the information storage unit 245 may apply for the received fund (or stock) reinvestment opening application information. Fund (or stock) reinvestment reserve information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the information system through an external system in the financial system. It is desirable to provide and store in the DBMS provided on the financial system.

Referring to FIG. 2, an electronic document which receives a predetermined savings account opening electronic document from the account opening server 105 provided on the savings account opening system and stores and manages in a predetermined electronic document D / B 265. The server 100 includes an electronic document receiving unit (or electronic document receiving means) 250 for receiving a predetermined savings account opening electronic document from the account opening server 105 through a predetermined communication means, and the received savings account. An information generating unit (or information generating means) 255 for generating predetermined electronic document management information for storing and managing an opened electronic document in the electronic document D / B 265, and the electronic document management information and the savings. And an electronic document storage unit (or electronic document storage means) 260 for linking the account opening electronic document and storing the electronic document in the predetermined electronic document D / B 265.

The electronic document receiving unit 250 may receive a savings account opening electronic document in the form of an image file or a document file from the account opening server 105 through the communication means.

According to an embodiment of the present invention, the electronic document receiving unit 250 receives the savings account opening electronic document received through the communication means for the image content received by the account opening server 105 from the terminal device 275 It is preferable that the image file is included as it is.

Alternatively, a savings account opening electronic document received by the electronic document receiving unit 250 through the communication means may include the fund (or stock) in the image content received by the account opening server 105 from the terminal device 275. Image corresponding to the image contents including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the application for reinvestment savings opening application by watermarking method It is preferable to include a file.

According to another embodiment of the present invention, the savings account opening electronic document received by the electronic document receiving unit 250 through the communication means is the image content received by the account opening server 105 from the terminal device 275 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, a savings account opening electronic document received by the electronic document receiving unit 250 through the communication means may be reinvested in the fund (or stock) in the image content received by the account opening server 105 from the terminal device 275. Predetermined contents including image information including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for savings opening, by watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

According to another embodiment of the present invention, the savings account opening electronic document that the electronic document receiving unit 250 receives through the communication means is an image received by the account opening server 105 from the terminal device 275 At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing contents and application information for opening a fund (or stock) reinvestment deposit. A word processor file, or a web document file including MHT).

Alternatively, a savings account opening electronic document received by the electronic document receiving unit 250 through the communication means may be reinvested in the fund (or stock) in the image content received by the account opening server 105 from the terminal device 275. Image contents including the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the savings application information and the fund (or Stock) A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing application information for re-investment deposit opening, or Web document file including MHT).

The information generating unit 255 is a predetermined electronic document unique number (or unique information) to be assigned to the savings account opening electronic document received through the electronic document receiving unit 250, and through the electronic document receiving unit 250 And generating electronic document management information including electronic document storage date and time information including a date and time at which the savings account opening electronic document is received (or a date and time at which the savings account opening electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 255 opens the savings account with reference to the account opening server 105 which has transmitted the savings account opening electronic document received through the electronic document receiving unit 250. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the account opening server 105 through the electronic document receiving unit 250, the information generating unit 255 receives the received information. Electronic document-related information (e.g., customer information for creating a savings account application corresponding to the image content, financial institution information for transmitting the savings account opening electronic document, electronic document file format information, or reinvesting the fund (or stock) It is preferable to generate the electronic document management information further comprising the savings application information.

The electronic document storage unit 260 associates a savings account opening electronic document received through the electronic document receiving unit 250 with electronic document management information generated through the information generating unit 255 to process a predetermined electronic document D. / B (265) characterized in that the storage.

According to an embodiment of the present invention, the saving account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is the account opening server 105 is the terminal device 275 It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, a savings account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 may be stored in the image content received by the account opening server 105 from the terminal device 275. Watermarking method includes at least one or more information of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the application information for opening the fund (or stock) It is preferable to include an image file corresponding to the image content.

According to another embodiment of the present invention, the saving account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is the account opening server 105 is the terminal device (275) A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, a savings account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 may be included in the image content received by the account opening server 105 from the terminal device 275. Image that includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for opening a fund (or stock) reinvestment deposit. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

According to another embodiment of the present invention, a savings account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is the account opening server 105 is the terminal device ( A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) containing the image content received from 275 and application information for opening the fund (or stock) reinvestment deposit. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, a savings account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 may be included in the image content received by the account opening server 105 from the terminal device 275. Image that includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for opening a fund (or stock) reinvestment deposit. At least one document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing contents and application information for opening a fund (or stock) reinvestment deposit. Preferably includes a word processor file, or a web document file including an MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 265 by the electronic document storage unit 260 in association with the savings account opening electronic document is stored in the savings account opening electronics. Preferably, a predetermined electronic document unique number (or unique information) assigned to the 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 265 by the electronic document storage unit 260 in association with the saving account opening electronic document is stored in the saving account. It is preferable that the financial institution further includes information on the financial institution that transmitted the savings account opening electronic document identified with reference to the account opening server 105 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the account opening server 105, the electronic document storage unit 260 processes the connection with the savings account opening electronic document and The electronic document management information stored in the electronic document D / B 265 transmits the received electronic document related information (for example, customer information in which a savings account application form corresponding to the image content is transmitted, or the savings account opening electronic document). Financial institution information, electronic document file format information, or the fund (or stock) reinvestment opening application information, etc.).

FIG. 3 illustrates an implementation method in which a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

In more detail, FIG. 3 illustrates a case in which the storage medium 270 illustrated in FIG. 2 is the ledger D / B 115 provided in the DBMS on the financial system or the ledger D / B 115. An information structure for an implementation method in which the fund (or stock) reinvestment deposit information is stored in the ledger information provided in the ledger D / B 115 is shown, and has a general knowledge in the technical field to which the present invention belongs. If it is, the present invention may be deduced by referring to or modifying the figure 3 to infer various information construction methods for storing the fund (or stock) reinvestment savings information in the ledger D / B 115. It includes a method, and is not limited to the embodiment method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 115 provided in the DBMS on the financial system is associated with a predetermined customer ledger, and the customer ledger, The account ledger corresponding to the savings account opened through the illustrated savings account opening system and at least one information associated with the account ledger are shown to be included, and a person having ordinary skill in the art to which the present invention belongs. In addition, the ledger D / B 115 provided in the DBMS on the financial system includes at least one ledger (eg, ledger, loan ledger, collateral ledger, ...) in addition to the customer ledger and the account ledger shown in FIG. Or it will be clearly understood that at least one or more additional information for maintaining and managing the ledgers are also included, and specific technical matters therefor Since it is not, a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is relationally linked to the customer ledger, and as a ledger corresponding to the savings account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

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

Referring to FIG. 3, the storage medium 270 is the ledger D / B 115, or includes an implementation method provided in the ledger D / B 115 according to an embodiment of the present invention. At least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment deposit application information provided through the savings account opening system shown in FIG. The fund (or stock) reinvestment deposit information including the above is stored in the form of additional information added to the account ledger.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. Re-investment approval for the re-investment and the income deduction refund account information including the account number for the refund of the deduction is preferably comprises at least one, in this figure 3 the customer information is included in the customer ledger, the savings account information Since it will be included in the account ledger, it is omitted for convenience.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

According to another exemplary embodiment of the present invention, the fund (or stock) reinvestment reserve application information is stored in the form of information included in the account ledger (not shown), or other ledgers other than the account ledger (eg, customers). It can be stored in the form of additional information added to the ledger, or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

4 is a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a face-to-face manner according to another embodiment of the present invention associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

In more detail, FIG. 4 illustrates an information structure of an embodiment in which the storage medium 270 illustrated in FIG. 2 includes a predetermined database linked to the ledger D / B 115 provided in the DBMS on the financial system. As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may refer to or modify the drawing 4 to transfer the fund (or stock) reinvestment reserve information to a predetermined database in the ledger D / B 115. It will be able to infer a variety of information configuration method for storing in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 4, it is not easy to store the fund (or stock) reinvestment reserve information in the ledger information of the ledger D / B 115 on the DBMS provided on the financial system (for example, the policy of a financial institution). If it is not easy to change the ledger D / B 115 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system, the fund (or Stock) shows an implementation method of storing reinvestment savings information and storing the re-investment savings information in association with the database and the ledger D / B 115.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 4, and the 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.

According to another exemplary embodiment of the present invention, referring to FIG. 4, the storage medium 270 includes a database associated with the ledger D / B 115 provided in a DBMS on a financial system. Or stock) a fund (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for reinvestment savings application; The fund (or stock) reinvestment reserve information further includes a CIF number corresponding to the ledger information in the fund (or stock) reinvestment reserve information to be linked to the ledger D / B 115. It is preferable to make.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. It is preferable that the re-investment approval and the income deduction refund account information including the account number for the income deduction refund comprises at least one.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The savings account information is the savings account information corresponding to the savings account opened through the savings account application information, the savings account information comprises at least one or more account number, account holder name, etc. corresponding to the savings account It is preferable.

Preferably, the payment amount information includes at least one payment amount information of the savings account and at least one payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, and the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

FIG. 5 illustrates an implementation method including a DBMS provided with a banking server in a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a face-to-face manner according to another embodiment of the present invention. One drawing.

In more detail, FIG. 5 illustrates a DBMS in which a storage medium 270 shown in FIG. 2 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 skilled in the art to which the present invention pertains, funds stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 5 ( Or stock) reinvestment reserve information may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 5, in which the storage medium 270 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server may include the fund (or stock). Storing funds (or stocks) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the reinvestment application; do.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. It is preferable that the re-investment approval and the income deduction refund account information including the account number for the income deduction refund comprises at least one.

The customer information includes customer information (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.) corresponding to a predetermined parent, and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The savings account information is the savings account information corresponding to the savings account opened through the savings account application information, the savings account information comprises at least one or more account number, account holder name, etc. corresponding to the savings account It is preferable.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, and the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

6A and 6B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a face-to-face manner according to one embodiment of the present invention.

6a and 6b show a terminal terminal in which a terminal device 275 on the savings account opening system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the account opening server 105 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the customer, a predetermined customer may open a savings account for opening a savings account for raising a child's education expenses. After completing and submitting a savings account application form including at least one payment information, child information, interest amount reinvestment approval information, and income deduction refund account information, the financial institution may set up a savings account in a face-to-face manner based on the savings account application form. It is about a system configuration which opens and processes, Specifically, the said customer fills out the said savings account application form, and the said window After submission, the window terminal acquires a predetermined image content corresponding to the savings account application through a predetermined image acquisition device, transmits the predetermined image content to the account opening server 105, and then sends a fund corresponding to the savings account application (or Stock) re-investment saving application information is input (or selected) and sent to the account opening server 105, the account opening server 105, the customer information, payment amount information, child information and interest amount reinvestment approval information and A method of opening and storing the savings account based on the fund (or stock) reinvestment deposit opening application information including at least one or more income deduction refund account information is shown.

Those skilled in the art to which the present invention pertains may refer to or modify the figures 6a and 6b and apply the fund (or stock) reinvestment reserve application information to the account opening server 105 at the window terminal. Various implementation methods of registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the implementation method illustrated in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the savings account application and storing it in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the savings account application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) fund (or stock) reinvestment deposit application information corresponding to the savings account application is illustrated as being provided from the account opening server 105. When the information registration program is provided, the user interface may not be provided from the account opening server 105, and thus the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the account opening server 105 shown in Figure 2 is referred to as "server" for convenience.

6A and 6B, a predetermined customer includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information for opening a savings account for raising child education expenses. After completing and submitting a savings account application, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to prepare a child education expenses corresponding to the savings account application. When the user interface request for opening a savings account is requested (600), the server acquires predetermined image contents corresponding to the savings account application written by the customer through the predetermined image acquisition device in the terminal, and transmits the predetermined image contents to the server. To generate (or extract) a user interface for transmission; And outputs to transmit the group generated (or extracted) user interface to the terminal (610).

Thereafter, the terminal acquires image content corresponding to the savings account application through a predetermined image obtaining apparatus based on the user interface (615).

If image content corresponding to the savings account application is obtained through the image acquisition device (620), the terminal transmits the obtained image content to the server through the financial network (625).

Thereafter, the server reinvests a fund (or stock) including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information corresponding to the savings account application matching the image contents. Generate (or extract) a user interface for inputting (or selecting) deposit saving application information and transmitting it to the server (◎ 630), and transmitting the generated (or extracted) user interface to the terminal through the financial network. Output 635.

Thereafter, the terminal inputs application information for opening a fund (or stock) savings deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information through the user interface. (Or choice) ◎ 640).

If the user information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information is input through the user interface (or stock) reinvestment reserve application information is input (or selected) ◎ 645), the terminal transmits the input (or selection) fund (or stock) reinvestment opening application information to the server through the financial network (650).

Subsequently, the server receives through the financial network the application information for the fund (or stock) reinvestment savings application including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information And reading (655) the validity of the fund (or stock) reinvestment reserve application information.

According to the method of the present invention, the validity of the fund (or stock) reinvestment savings application information can be verified by reinvesting the fund (or stocks) in the ledger D / B 115 on the financial system linked to the savings account opening system. It is preferable to include whether the at least one ledger information matching the savings application information is registered.

For example, the validity of the fund (or stock) reinvestment reserve application information may be checked in the information included in the fund (or stock) reinvestment saving application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the savings account opening system.

If the validity of the fund (or stock) reinvestment savings application information is not authenticated (660), the server generates a predetermined savings account error information and transmits it to the terminal (665), and the fund (or stock) Do not perform a savings account opening procedure that corresponds to reinvestment savings application information.

On the other hand, if the validity of the fund (or stock) reinvestment savings application information is authenticated (660), the server generates a predetermined savings account opening electronic document containing the image content (670).

According to an exemplary embodiment of the present invention, the server may open an image file including the image content received from the terminal device 275 through the image receiving unit 215 as it is to open a savings account for preparing the child's education expenses. It is desirable to process the savings account electronically.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Saving an image file corresponding to the image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information by the watermarking method It is desirable to create a savings account opening electronic document for opening an account.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 275 through the image receiving unit 215. , Or 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), to create a savings account for raising the child's education expenses. It is desirable to create a savings account opening electronic document.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Generating image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information by a watermarking method, and including the generated image content Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a savings account opening electronic document for opening a savings account for the child education expenses.

According to another exemplary embodiment of the present invention, the server receives the image contents received from the terminal device 275 through the image receiving unit 215 and a fund (or stock) received through the information receiving unit 210. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing application information for re-investment savings, or MHT By generating a web document file, including), it is preferable to generate a savings account opening electronic document for opening a savings account for preparing the child education expenses.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Generating image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information by watermarking, and generating the generated image content and the fund ( Or a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing a request for opening a reinvestment reserve application information; Or a web document file including the MHT), and the savings for opening a savings account for raising the child's education expenses. It is desirable to create an account opening electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates a savings account opening electronic document in an image file format or a predetermined document file format, and an image corresponding to the savings account opening electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated savings account opening electronic document in a predetermined electronic document storage (675).

As shown in FIG. 2, the electronic document repository includes an electronic document D / B 265 and a predetermined electronic document server 100 linked with a server on the savings account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated saving account opening electronic document to the electronic document server 100 through the communication means and stores in the electronic document D / B (265).

Alternatively, when the electronic document storage is provided on a DBMS provided in the savings account opening system, the server corresponds to the generated electronic savings account opening on the DBMS provided in the savings account opening system. It is possible to store in the electronic document D / B 265, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the savings account opening electronic document in the electronic document storage may be performed by linking the generated savings account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (265).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the savings account opening 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 savings account opening electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, customer information for creating a savings account application corresponding to the image content, financial institution information for transmitting the savings account opening electronic document, or electronic document file format). Information, or application information for opening a fund (or stock) reinvestment reserve).

If the electronic document opening electronic document is stored in the electronic document repository (680), the server approves the customer information, payment amount information, child information and interest amount reinvestment information included in the fund (or stock) reinvestment savings application information The savings account information is generated based on the information and the income deduction refund account information (685).

Here, the savings account information preferably comprises an account number and an interest rate information corresponding to the savings account opened based on the fund (or stock) reinvestment savings application information, the savings account includes the savings attributes In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

Thereafter, the server is connected with the financial system based on the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. A savings account of the customer name including the savings account information is opened (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the savings account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And) generating predetermined account ledger information including the savings account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby saving the fund (or stock) reinvestment savings application information. In response to the above, it is characterized in that a predetermined savings account for opening a savings account for preparing the child's education expenses is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the savings account information in the ledger D / B 115 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the savings account information.

Thereafter, the server includes at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the fund (or stock) reinvestment reserve application information Stock) to generate the reinvestment reserve information and store it in a predetermined storage medium (270) (695).

According to an exemplary embodiment of the present invention, when the storage medium 270 is provided in the server or on a network associated with the server, the server may apply to the received fund (or stock) reinvestment reserve application information. Storing the fund (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information in the storage medium 270. desirable.

According to another embodiment of the present invention, when the storage medium 270 is provided in a DBMS provided on a financial system, the server includes the customer information included in the received fund (or stock) reinvestment reserve application information. And fund (or stock) reinvestment reserve information, including payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information, to the information system through the external system of the financial system. It is preferable to store in the provided DBMS.

Thereafter, the server stores predetermined savings account opening history information (for example, the savings account opening history, or details of storing the savings account opening electronic document in the electronic document repository, or the fund (or the storage medium 270). Stocks) to generate (or extract) the details of storing the application information for re-investment opening establishment and transmit it to the terminal (699).

According to one embodiment of the invention, the storage medium 270 is preferably provided in a DBMS on a financial system provided on the savings account opening system (or associated with the savings account opening system), wherein the storage medium 270 The storage medium 270 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 270 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the savings account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

7A and 7B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B show the terminal device 275 on the savings account opening system shown in FIG. 2 at a financial institution branch (or branch), and the account opening server 105 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the customer, a predetermined customer may open a savings account for opening a savings account for raising a child's education expenses. After completing and submitting a savings account application form including at least one payment information, child information, interest amount reinvestment approval information, and income deduction refund account information, the financial institution may set up a savings account in a face-to-face manner based on the savings account application form. It is about a system configuration which opens and processes, Specifically, the said customer fills out the said savings account application form, and the said window When submitting, the counter terminal inputs (or selects) a fund (or stock) reinvestment deposit opening application information corresponding to the savings account application to the account opening server 105 and transmits it to the account opening server 105 through a predetermined image acquisition device. When the predetermined image content corresponding to the savings account application is obtained and transmitted to the account opening server 105, the account opening server 105 receives the customer information, payment amount information, child information, interest amount reinvestment approval information, and the like. A method of opening and storing the savings account based on the fund (or stock) reinvestment deposit opening application information including at least one or more income deduction refund account information is shown.

Those skilled in the art to which the present invention pertains may refer to or modify the drawings 7a and 7b and apply the fund (or stock) reinvestment reserve application information to the account opening server 105 at the window terminal. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the savings account application and storing it in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the savings account application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) fund (or stock) reinvestment deposit application information corresponding to the savings account application is illustrated as being provided from the account opening server 105. When the information registration program is provided, the user interface may not be provided from the account opening server 105, and thus the present invention is not limited thereto.

In the following Figures 7a and 7b, the teller terminal shown in Figure 2 is referred to as "terminal" for convenience, and the account opening server 105 shown in Figure 2 is referred to as "server" for convenience, and in the teller terminal The customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information transmitted to the account opening server 105 are referred to as "fund (or stock) reinvestment saving application information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information for opening a savings account for raising child education expenses. After completing and submitting a savings account application, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to prepare a child education expenses corresponding to the savings account application. When requesting a user interface for opening a savings account (700), the server correspondingly responds to the customer information, payment amount information, child information and interest amount reinvestment approval information and income deduction refund corresponding to the savings account application prepared by the customer Enter the application information for opening a fund (or stock) reinvestment deposit containing at least one account information. (Or selected), and transmits the generated user interface (or extraction) and ◎ 705), the generated (or extracted) from the financial network user interface to the mobile station and outputs for transmitting to the server (710).

Thereafter, the terminal inputs application information for opening a fund (or stock) savings deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information through the user interface. ◎ 715) (or choice).

If the user information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information is input through the user interface (or stock) reinvestment reserve application information is input (or selected) In step 720, the terminal transmits the input (or selected) fund (or stock) reinvestment opening application information to the server through the financial network (725).

Subsequently, the server receives through the financial network the application information for the fund (or stock) reinvestment savings application including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information And read (step 730) the validity of the fund (or stock) reinvestment reserve application information.

According to the method of the present invention, the validity of the fund (or stock) reinvestment savings application information can be verified by reinvesting the fund (or stocks) in the ledger D / B 115 on the financial system linked to the savings account opening system. It is preferable to include whether the at least one ledger information matching the savings application information is registered.

For example, the validity of the fund (or stock) reinvestment reserve application information may be checked in the information included in the fund (or stock) reinvestment saving application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the savings account opening system.

If the validity of the fund (or stock) reinvestment savings application information is not authenticated (735), the server generates a predetermined savings account error information and transmits it to the terminal (740), and the fund (or stock) Do not perform a savings account opening procedure that corresponds to reinvestment savings application information.

On the other hand, if the validity of the fund (or stock) reinvestment savings application information is authenticated (735), the server receives the predetermined image content corresponding to the savings account application created by the customer through a predetermined image acquisition device in the terminal; A user interface for acquiring and transmitting to the server is generated (or extracted) ◎ 745, and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (750).

Thereafter, the terminal acquires image content corresponding to the savings account application through a predetermined image obtaining apparatus based on the user interface (755).

If image content corresponding to the savings account application is obtained through the image acquisition device (760), the terminal transmits the obtained image content to the server through the financial network (765).

The server, which has received the fund (or stock) reinvestment deposit establishment request information and the image contents from the terminal, generates a predetermined savings account opening electronic document including the image contents (770).

According to an exemplary embodiment of the present invention, the server may open an image file including the image content received from the terminal device 275 through the image receiving unit 215 as it is to open a savings account for preparing the child's education expenses. It is desirable to process the savings account electronically.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Saving an image file corresponding to the image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information by the watermarking method It is desirable to create a savings account opening electronic document for opening an account.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 275 through the image receiving unit 215. , Or 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), to create a savings account for raising the child's education expenses. It is desirable to create a savings account opening electronic document.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Generating image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information by a watermarking method, and including the generated image content Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a savings account opening electronic document for opening a savings account for the child education expenses.

According to another exemplary embodiment of the present invention, the server receives the image contents received from the terminal device 275 through the image receiving unit 215 and a fund (or stock) received through the information receiving unit 210. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC), or the like, including the application information for reinvestment savings opening; By generating a web document file, etc.), it is preferable to generate a savings account opening electronic document for opening a savings account for preparing the child education expenses.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Generating image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information by watermarking, and generating the generated image content and the fund ( Or 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 document file including application information for re-investment deposit opening, Or a web document file including the MHT), and the savings for opening a savings account for raising the child's education expenses. It is desirable to create an account opening electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates a savings account opening electronic document in an image file format or a predetermined document file format, and an image corresponding to the savings account opening electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated savings account opening electronic document in a predetermined electronic document storage (775).

As shown in FIG. 2, the electronic document repository includes an electronic document D / B 265 and a predetermined electronic document server 100 linked with a server on the savings account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated saving account opening electronic document to the electronic document server 100 through the communication means and stores in the electronic document D / B (265).

Alternatively, when the electronic document storage is provided on a DBMS provided in the savings account opening system, the server corresponds to the generated electronic savings account opening on the DBMS provided in the savings account opening system. It is possible to store in the electronic document D / B 265, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the savings account opening electronic document in the electronic document storage may be performed by linking the generated savings account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (265).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the savings account opening 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 savings account opening electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, customer information for creating a savings account application corresponding to the image content, financial institution information for transmitting the savings account opening electronic document, or electronic document file format). Information, or application information for opening a fund (or stock) reinvestment reserve).

If the electronic document opening electronic document is stored in the electronic document storage (780), the server approves the customer information and payment amount information, child information and interest amount reinvestment information included in the fund (or stock) reinvestment savings application information The savings account information is generated based on the information and the income deduction refund account information (785).

Here, the savings account information preferably comprises an account number and an interest rate information corresponding to the savings account opened based on the fund (or stock) reinvestment savings application information, the savings account includes the savings attributes In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

Thereafter, the server is connected with the financial system based on the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. In operation 790, a savings account of the customer name including the savings account information is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the savings account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And) generating predetermined account ledger information including the savings account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby saving the fund (or stock) reinvestment savings application information. In response to the above, it is characterized in that a predetermined savings account for opening a savings account for preparing the child's education expenses is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the savings account information in the ledger D / B 115 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the savings account information.

Thereafter, the server includes at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the fund (or stock) reinvestment reserve application information Stocks) reinvestment reserve information is generated and stored in a predetermined storage medium (270) (795).

According to an exemplary embodiment of the present invention, when the storage medium 270 is provided in the server or on a network associated with the server, the server may apply to the received fund (or stock) reinvestment reserve application information. Preferably, the storage medium 270 stores fund (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information. Do.

According to another embodiment of the present invention, when the storage medium 270 is provided in a DBMS provided on a financial system, the server includes the customer information included in the received fund (or stock) reinvestment reserve application information. And fund (or stock) reinvestment deposit information including at least one payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information to the information system through the external system of the financial system. It is preferable to store in the DBMS provided in.

Thereafter, the server stores predetermined savings account opening history information (for example, the savings account opening history, or details of storing the savings account opening electronic document in the electronic document repository, or the fund (or the storage medium 270). Stocks) to generate (or extract) the details of storing the application information for re-investment opening establishment and transmit the same to the terminal (799).

According to one embodiment of the invention, the storage medium 270 is preferably provided in a DBMS on a financial system provided on the savings account opening system (or associated with the savings account opening system), wherein the storage medium 270 The storage medium 270 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 270 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the savings account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

8A and 8B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals in which a terminal device 275 on the savings account opening system shown in FIG. 2 is provided at a branch of a financial institution (or a branch), and the account opening server 105 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the customer, a predetermined customer may open a savings account for opening a savings account for raising a child's education expenses. After completing and submitting a savings account application form including at least one payment information, child information, interest amount reinvestment approval information, and income deduction refund account information, the financial institution may set up a savings account in a face-to-face manner based on the savings account application form. It is about a system configuration which opens and processes, Specifically, the said customer fills out the said savings account application form, and the said window Upon submission, the window terminal acquires a predetermined image content corresponding to the savings account application through a predetermined image acquisition device, and inputs a fund (or stock) reinvestment savings opening application information corresponding to the savings account application (or After the selection, the image content and the fund (or stock) reinvestment savings application information is sent to the account opening server 105, the account opening server 105, the customer information, payment amount information and child information And an implementation method of opening and processing the savings account based on the application information for opening the fund (or stock) reinvestment deposit including at least one of interest amount reinvestment approval information and income deduction refund account information.

Those skilled in the art to which the present invention pertains may refer to or modify the drawings 8a and 8b to transfer the fund (or stock) reinvestment reserve application information from the window terminal to the account opening server 105. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, although the implementation method shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the savings account application and storing it in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 8A and 8B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the savings account application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) fund (or stock) reinvestment savings application information corresponding to the savings account application is illustrated as being provided from the account opening server 105, but the predetermined method is provided in the window terminal. When the information registration program is provided, the user interface may not be provided from the account opening server 105, and thus the present invention is not limited thereto.

In the following Figures 8a and 8b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the account opening server 105 shown in Figure 2 is referred to as "server" for convenience, and in the window terminal The customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information transmitted to the account opening server 105 are referred to as "fund (or stock) reinvestment saving application information" for convenience.

Referring to FIGS. 8A and 8B, a predetermined customer includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information for opening a savings account for raising child education expenses. After completing and submitting a savings account application, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to prepare a child education expenses corresponding to the savings account application. When requesting a user interface for opening a savings account (800), in response, the server inputs (or selects) a fund (or stock) reinvestment savings opening application information corresponding to the savings account application prepared by the customer in the terminal. Captures predetermined image contents corresponding to the savings account application through a predetermined image obtaining apparatus; In operation 810, a user interface for acquiring and transmitting the extracted user interface for transmitting to the server is output (or extracted) to the terminal through the financial network (810).

Thereafter, the terminal inputs application information for opening a fund (or stock) savings deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information through the user interface. (Or ◎ 815).

If the user information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information is input through the user interface (or stock) reinvestment reserve application information is input (or selected) In operation 825, the terminal acquires image content corresponding to the savings account application through a predetermined image obtaining apparatus based on the user interface.

If the image content corresponding to the savings account application is obtained through the image acquisition device (830), the terminal transmits the fund (or stock) reinvestment savings opening application information and the image content to the server through the financial network. (835).

Subsequently, the server receives through the financial network the application information for the fund (or stock) reinvestment savings application including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information And it is read to verify the validity of the fund (or stock) reinvestment opening application information (840).

According to the method of the present invention, the validity of the fund (or stock) reinvestment savings application information can be verified by reinvesting the fund (or stocks) in the ledger D / B 115 on the financial system linked to the savings account opening system. It is preferable to include whether the at least one ledger information matching the savings application information is registered.

For example, the validity of the fund (or stock) reinvestment reserve application information may be checked in the information included in the fund (or stock) reinvestment saving application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the savings account opening system.

If the validity of the fund (or stock) reinvestment savings application information is not authenticated (845), the server generates a predetermined savings account error information and transmits it to the terminal (850), and the fund (or stock) Do not perform a savings account opening procedure that corresponds to reinvestment savings application information.

On the other hand, if the validity of the fund (or stock) reinvestment savings application information is authenticated (845), the server generates a predetermined savings account opening electronic document containing the image content (855).

According to an exemplary embodiment of the present invention, the server may open an image file including the image content received from the terminal device 275 through the image receiving unit 215 as it is to open a savings account for preparing the child's education expenses. It is desirable to process the savings account electronically.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Saving an image file corresponding to the image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information by the watermarking method It is desirable to create a savings account opening electronic document for opening an account.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 275 through the image receiving unit 215. , Or 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), to create a savings account for raising the child's education expenses. It is desirable to create a savings account opening electronic document.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Generating image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information by a watermarking method, and including the generated image content Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a savings account opening electronic document for opening a savings account for the child education expenses.

According to another exemplary embodiment of the present invention, the server receives the image contents received from the terminal device 275 through the image receiving unit 215 and a fund (or stock) received through the information receiving unit 210. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC), or the like, including the application information for reinvestment savings opening; By generating a web document file, etc.), it is preferable to generate a savings account opening electronic document for opening a savings account for preparing the child education expenses.

Alternatively, the server may include a customer included in the fund (or stock) reinvestment reserve application information received through the information receiver 210 in the image content received from the terminal device 275 through the image receiver 215. Generating image content including at least one of information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information by watermarking, and generating the generated image content and the fund ( Or 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 document file including application information for re-investment deposit opening, Or a web document file including the MHT), and the savings for opening a savings account for raising the child's education expenses. It is desirable to create an account opening electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates a savings account opening electronic document in an image file format or a predetermined document file format, and an image corresponding to the savings account opening electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated savings account opening electronic document in a predetermined electronic document storage (860).

As shown in FIG. 2, the electronic document repository includes an electronic document D / B 265 and a predetermined electronic document server 100 linked with a server on the savings account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated saving account opening electronic document to the electronic document server 100 through the communication means and stores in the electronic document D / B (265).

Alternatively, when the electronic document storage is provided on a DBMS provided in the savings account opening system, the server corresponds to the generated electronic savings account opening on the DBMS provided in the savings account opening system. It is possible to store in the electronic document D / B 265, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the savings account opening electronic document in the electronic document storage may be performed by linking the generated savings account opening electronic document and predetermined pre-document management information as shown in FIG. It is preferable to include storing in the electronic document D / B (265).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the savings account opening 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 savings account opening electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, customer information for creating a savings account application corresponding to the image content, financial institution information for transmitting the savings account opening electronic document, or electronic document file format). Information, or application information for opening a fund (or stock) reinvestment reserve).

If the electronic document opening electronic document is stored in the electronic document repository (865), the server approves the customer information and payment amount information, child information and interest amount reinvestment information included in the fund (or stock) reinvestment savings application information The savings account information is generated based on the information and the income deduction refund account information (870).

Here, the savings account information preferably comprises an account number and an interest rate information corresponding to the savings account opened based on the fund (or stock) reinvestment savings application information, the savings account includes the savings attributes In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

Thereafter, the server is connected with the financial system based on the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. In operation 875, a savings account of the customer name including the savings account information is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the savings account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And) generating predetermined account ledger information including the savings account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby saving the fund (or stock) reinvestment savings application information. In response to the above, it is characterized in that a predetermined savings account for opening a savings account for preparing the child's education expenses is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the savings account information in the ledger D / B 115 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the savings account information.

Thereafter, the server includes at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the fund (or stock) reinvestment reserve application information Stocks) reinvestment reserve information is generated and stored in a predetermined storage medium (270) (880)

According to an exemplary embodiment of the present invention, when the storage medium 270 is provided in the server or on a network associated with the server, the server may apply to the received fund (or stock) reinvestment reserve application information. Preferably, the storage medium 270 stores fund (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information. Do.

According to another embodiment of the present invention, when the storage medium 270 is provided in a DBMS provided on a financial system, the server includes the customer information included in the received fund (or stock) reinvestment reserve application information. And fund (or stock) reinvestment reserve information, including payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information, to the information system through the external system of the financial system. It is preferable to store in the provided DBMS.

Thereafter, the server stores predetermined savings account opening history information (for example, the savings account opening history, or details of storing the savings account opening electronic document in the electronic document repository, or the fund (or the storage medium 270). Stock) to generate (or extract) the details of storing the application information for re-investment opening establishment and transmit it to the terminal (885).

According to one embodiment of the invention, the storage medium 270 is preferably provided in a DBMS on a financial system provided on the savings account opening system (or associated with the savings account opening system), wherein the storage medium 270 The storage medium 270 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 270 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the savings account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

9 is a diagram illustrating a non-face-to-face savings account opening system for opening a savings account for preparing a child's education expenses according to another embodiment of the present invention.

More specifically, FIG. 9 illustrates a fund in which a predetermined customer includes at least one of predetermined customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information through a predetermined savings account opening interface ( Or stock) re-investment saving application information provided to the financial institution, the financial institution based on the fund (or stock) re-investment saving application information to open a savings account for opening a savings account for the child education expenses The present invention relates to a system configuration for storing fund (or stock) reinvestment deposit information for managing the savings account in a predetermined storage medium 965. If a person of ordinary skill in the art belongs to the present invention, this figure Savings Account Opening System to Open a Savings Account to Raise Children's Education by referring to or modifying 9 Various implementation methods for the 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.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 9 to configure a savings account opening system that omits the method of storing the savings account opening electronic document in the electronic document storage. It may be inferred, and in addition to the implementation method shown in FIG. 9, in the case of storing the savings account opening electronic document in the electronic document storage, the electronic document storage is provided in a DBMS located in the savings account opening system. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 9, the savings account opening electronic document is illustrated as being generated on the server side on the savings account opening system, but the present invention is not limited thereto. The account opening electronic document may be generated on the terminal side which inputs (or selects) the fund (or stock) reinvestment savings application information and transmits the information (for example, the electronic document generation function provided on the server side is provided on the terminal side). To generate the electronic deposit account opening document), whereby the present invention is not limited.

Hereinafter, the fund (or stock) reinvestment savings opening application information is provided from the customer through a predetermined savings account opening interface on the savings account opening system shown in FIG. 9 to allow the customer to open the savings account. A component corresponding to at least one or more means or functional configurations for generating a corresponding predetermined savings account opening electronic document and storing it in a predetermined electronic document storage is referred to as "account opening server 120" for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, a savings account opening system for opening a savings account for preparing a child's education expenses includes at least a client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 970 including one or more, wherein the terminal device 970 has a communication channel with the account opening server 120 provided on the savings account opening system through a predetermined network means Connected.

According to an embodiment of the present invention, the customer accesses the account opening server 120 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the account Enter (or select) a fund (or stock) reinvestment savings opening application information for opening a savings account for raising the child's education expenses through at least one user interface provided by the opening server 120, and the client terminal It is preferable to transmit to the account opening server 120 provided on the savings account opening system via a network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 970 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may be a desktop computer connected to the TCP / IP based communication network or At least one notebook or a home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, the wireless terminal connected to the wireless communication network is any terminal device 970 connected to a mobile communication network of Code Division Multiple Access (CDMA) based (or High-Speed Downlink Packet Access (HSDPA) based), or IEEE 802.16x based portable. A generic term for all terminal devices 970 connected to the Internet, or all terminal devices 970 connected to an IEEE 802.11x-based wireless LAN, the personal communication system being connected to the CDMA-based (or HSDPA-based) mobile communication network; PCS) or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones Or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless LAN connected to the IEEE 802.11x based wireless LAN. It comprises a terminal such as seonraen at least one are preferred.

In addition, the account opening server 120 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server or a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the account opening server 120 is a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based portable Internet or IEEE according to the type of wireless communication network connected to the client terminal It is preferable that any one of 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the account opening server 120, and inputs or selects at least one or more information through the user interface to transmit to the account opening server 120. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the account opening server 120, etc.) is provided.

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

In the savings account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the account opening server 120. The communication network performs a function of a savings account opening interface for the customer to register a fund (or stock) reinvestment savings opening application information for opening a savings account for raising the child's education expenses.

According to another exemplary embodiment of the present invention, the terminal device 970 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A financial dispensing device (not shown) including a cash dispenser (CD) is further included, or a wired telephone network connected to a predetermined public switched telephone network (PSTN) or voice over IP (VoIP) network. It further comprises a call terminal (not shown) of, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, or at least affiliated with the financial institution Terminal (or server) (not shown) provided in one or more institutions may be further included, whereby the present invention is not limited.

In the saving account opening system as described above, when the terminal apparatus 970 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the account opening server. The financial network connecting 120 performs a function of a savings account opening interface for the customer to register a fund (or stock) reinvestment savings opening application information for opening a savings account for raising the child's education expenses, or the terminal When the device 970 is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the account opening server 120 may be selected by the customer. The function of opening a savings account interface for registering application information for opening a fund (or stock) reinvesting savings account for opening a savings account for raising the child's education expenses Or the terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device 970 (not shown) and the terminal (or server) ( The network connecting the account opening server 120 and the account opening server 120 functions as a saving account opening interface for the customer to register a fund (or stock) reinvestment saving opening application information for opening a savings account for raising the child's education expenses. Do this.

The storage medium 965 provided on the savings account opening system according to the present invention includes the customer information and the payment amount information included in the fund (or stock) reinvestment savings opening application information provided from the terminal device 970. And fund (or stock) reinvestment reserve information including at least one child information, interest amount reinvestment approval information, and income deduction refund account information.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. It is preferable that the re-investment approval and the income deduction refund account information including the account number for the income deduction refund comprises at least one.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Number or the like), and the like.

The savings account information is the savings account information corresponding to the savings account opened through the savings account application information, the savings account information comprises at least one or more account number, account holder name, etc. corresponding to the savings account It is preferable.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of date (for example, year / month / day) or time calculation (for example, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, and the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

According to one embodiment of the invention, the storage medium 965 is preferably provided in a DBMS on a financial system provided on the savings account opening system (or associated with the savings account opening system), wherein Storage medium 965 may be a ledger D / B 115 provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B 115, whereby the present invention is not limited. .

According to another exemplary embodiment of the present invention, the storage medium 965 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the savings account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The account opening server 120 provided on the savings account opening system according to the present invention is a generic term for the savings account opening system side components connected to the terminal device 970 through a predetermined network means, and includes at least one or more. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 970 is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the account opening server 120 is connected to the Internet. A predetermined internet banking server provided on a banking system, a program provided in the internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the internet banking system; A program included in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the account opening server 120 is configured as the wireless banking system. Is a predetermined wireless banking server provided on the program, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the account opening server 120 may be configured as the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, a program provided in the telebanking server, or a predetermined external access to the external system of the financial system through the telebanking system. A server (or device) of a server, a program included in the server (or device), or a server (or an external device on the financial system accessible through the telebanking server (or the server (or device)). Device) or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the account opening server 120 is connected to the TV. A predetermined TV banking server provided on a banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to an embodiment of the present invention, the account opening server 120 includes an interface unit (or interface means) 900 for connecting and managing a predetermined communication channel with the terminal apparatus 970 through the network means. Characterized in that made.

According to an exemplary embodiment of the present invention, when the terminal device 970 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 900 includes a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 900 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the account opening server 120, the interface unit 900 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a financial automation device connected to a predetermined financial network, the interface unit 900 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 900 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (13lessless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 900 connects a communication channel with the client terminal based on the CDMA protocol. A WAP / ME protocol defined in the browser program provides a communication interface for transmitting and receiving a web page (eg, a WML (13 wireless markup language) compatible web page or an HTML compatible web page) or information.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the account opening server 120, the interface unit 900 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 900 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 900 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device 970 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 900 includes a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 9, when the predetermined terminal device 970 connects a predetermined communication channel with the account opening server 120 through the interface unit 900, the child education expenses At least one user interface for inputting (or selecting) a predetermined fund (or stock) reinvestment savings opening application information from the terminal device 970 to open a savings account for the preparation and transmitting to the account opening server 120. Interface providing unit (or interface providing means) 905 for generating (or extracting) and providing the generated (or extracted) user interface to the terminal apparatus 970 in association with the interface unit 900; When the terminal device 970 inputs (or selects) and transmits the fund (or stock) reinvestment reserve application information through the user interface and transmits the information, the interface unit 900 and the interface unit 900. The system is characterized in that obtained by having the said funds (or stock) reinvested Savings Account information receiving application information (or information receiving means) 910 for receiving a transmission from the terminal device (970).

The interface providing unit 905 connects a predetermined communication channel with the account opening server 120 through the interface unit 900, and then the child to the account opening server 120. When requesting a user interface for opening a savings account for training expenses, the terminal apparatus 970 inputs (or selects) a predetermined fund (or stock) reinvestment savings application information to open the account through the network means. Create at least one user interface to be transmitted to the 120, or extract from a predetermined database (not shown), and in conjunction with the interface unit 900, the generated (or extracted) user interface to the network means It is characterized in that provided to the terminal device 970 through.

According to an embodiment of the present invention, when the terminal device 970 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 905 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a financial automation device connected to a predetermined financial network, the interface providing unit 905 provides the financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 905 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 905 is connected to the call terminal (not shown). A predetermined user interface that can be provided is generated (or extracted), and the generated (or extracted) user interface (eg, ARS based user interface) is provided to the call terminal (not shown) through the interface unit 900. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 905 is configured to provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 900. .

According to another embodiment of the present invention, the terminal apparatus 970 inputs (or selects) a predetermined fund (or stock) reinvestment reserve application information to transmit to the account opening server 120 through the network means. When a predetermined information registration program having at least one user interface is provided, input (or select) predetermined fund (or stock) reinvestment saving application information as described above and transmit it to the account opening server 120. The interface providing unit 905 which generates (or extracts) a user interface and provides the terminal device 970 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 970 opens a fund (or stock) reinvestment deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information through the user interface. The application information is input (or selected), and the input (or selection) fund (or stock) reinvestment reserve application information is transmitted to the account opening server 120 through the network means, correspondingly the information receiving unit In operation 910, the fund (or stock) reinvestment opening application information transmitted from the terminal device 970 is received in connection with the interface unit 900.

According to one embodiment of the present invention, the fund (or stock) reinvestment reserve application information is preferably made of customer information, payment amount information, child information, interest amount reinvestment approval information, income deduction refund account information and the like.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The child information is information for generating payment period information of the savings account, characterized in that the age of the child is included.

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

According to an exemplary embodiment of the present invention, the terminal device 970 stores the fund (or stock) reinvestment fund including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. The account opening server 120 generates a predetermined password or security card information or a predetermined one-time password (OTP) generator for checking the validity of the fund (or stock) reinvestment savings application information. At least one or more OTP code and the like is preferably transmitted to the account opening server 120 through the network means.

According to the exemplary embodiment of the present invention, the terminal device 970 stores the fund (or stock) reinvestment fund including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. Encrypt open application information using at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.), or the fund (or stock) Preferably, a predetermined electronic signature is attached to the reinvestment savings application information and transmitted to the account opening server 120 through the network means. For this purpose, the terminal apparatus 970 has at least one corresponding to the encryption scheme. Any one having at least one encryption key or comprising at least one encryption key If an official certificate is provided or the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card). .

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the fund (or stock) reinvestment reserve application information and the fund (or stock) reinvestment reserve application information Since it will be familiar with the technical features to attach a predetermined electronic signature, a detailed description thereof will be omitted for convenience.

Referring to FIG. 9, when the fund (or stock) reinvestment opening application information transmitted from the terminal device 970 is received through the information receiving unit 910, the received fund is received. (Or stocks) characterized in that the re-investment savings application information is provided with a validity verification unit (or validity verification means) 915 for confirming whether the application information satisfies the validity for opening a savings account for preparing the child's education expenses.

According to an embodiment of the present invention, the fund (or stock) reinvestment reserve application information is at least one encryption method (eg, symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key) When encrypted with an exchange-based encryption method, the validity checking unit 915 may include at least one decryption method (for example, a symmetric key based method) corresponding to the encryption method for the encrypted fund (or stock) reinvestment savings application information. Decryption, public key-based decryption, electronic envelope-based decryption, or key exchange-based decryption, etc.), thereby validating the validity of the received fund (or stock) reinvestment reserve application information. Do.

Alternatively, when a predetermined electronic signature is attached to the fund (or stock) reinvestment reserve application information, the validity verification unit 915 confirms the electronic signature attached to the fund (or stock) reinvestment fund opening application information. Preferably, the validity of the received fund (or stock) reinvestment deposit application information is authenticated.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted fund (or stock) reinvestment reserve application information, and opening the fund (or stock) reinvestment deposit. You will be familiar with the technical features to confirm the electronic signature attached to the application information, so a detailed description thereof will be omitted for convenience.

In accordance with an embodiment of the present invention, a predetermined password for verifying the validity of the fund (or stock) reinvestment reserve application information received through the information receiving unit 910 is applied to the fund (or stock) reinvestment fund opening application information received through the information receiving unit 910. If further included, the validity verification unit 915 compares and authenticates the password included in the fund (or stock) reinvestment reserve application information and the password provided corresponding to the customer on the DBMS, and the authentication, It is desirable to certify the validity of the application information for receiving the fund (or stock) reinvestment deposit.

Alternatively, the fund (or stock) reinvestment reserve application information received through the information receiving unit 910 further includes a predetermined security card information for confirming the validity of the fund (or stock) reinvestment reserve application information. If there is, the validity verification unit 915 compares and authenticates the security card information included in the fund (or stock) reinvestment savings application information and received security card information provided corresponding to the customer on the DBMS, It is preferable to authenticate the validity of the received fund (or stock) reinvestment savings application information.

Alternatively, a fund (or stock) reinvestment reserve application information received through the information receiving unit 910 further includes a predetermined OTP code for confirming the validity of the fund (or stock) reinvestment reserve application information. In this case, the validity checker 915 is an OTP generated based on the received OTP code included in the fund (or stock) reinvestment reserve application information and predetermined OTP generation information provided corresponding to the customer on the DBMS. By comparing and authenticating the code, it is desirable to authenticate the validity of the received fund (or stock) reinvestment deposit application information.

According to the method of the present invention, the validity of the fund (or stock) reinvestment savings application information can be verified by reinvesting the fund (or stocks) in the ledger D / B 115 on the financial system linked to the savings account opening system. It is preferable to include whether the at least one ledger information matching the savings application information is registered.

For example, the validity of the fund (or stock) reinvestment reserve application information may be checked in the information included in the fund (or stock) reinvestment saving application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the savings account opening system.

Referring to FIG. 9, when the validity of the fund (or stock) reinvestment savings application information is authenticated through the validity checker 915, the received account (or stock) reinvestment is verified. An electronic document generation unit (or electronic document generating means) 920 for generating a predetermined savings account opening electronic document including savings opening application information, and the generated savings account opening electronic document associated with the savings account opening system; And an electronic document transmission unit (or electronic document transmission means) 925 for transmitting to the electronic document storage.

The electronic document generating unit 920 generates a savings account opening electronic document including the application information for the fund (or stock) reinvestment savings opening received received from the terminal device 970 through the information receiving unit 910. It is done.

According to an exemplary embodiment of the present invention, the electronic document generation unit 920 may include customer information, payment amount information, and child information included in the fund (or stock) reinvestment opening application information received through the information receiving unit 910. And generate document content including at least one interest amount reinvestment approval information and income deduction refund account information, and include a document file (eg, a Portable Document Format (PDF) file, or an electronic data interchange (EDI) file) including the document content. File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) may be processed as a saving account opening electronic document for opening a savings account for raising the child's education expenses. Do.

Alternatively, the electronic document generation unit 920 may include the customer information, the payment amount information, the child information, the interest information and the interest amount reinvestment approval information included in the fund (or stock) reinvestment reserve application information received through the information receiving unit 910; Generate document content including at least one item of income deduction refund information, customer information, payment amount information, child information, and interest amount reinvestment approval information included in the application information for opening the fund (or stock) reinvestment deposit in the document content. And at least one or more of the deduction of refund information of the account in a watermarking manner, and then a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic) file containing document content including the watermarking). Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web text including MHT. It is preferred to process the file, and so on) to the savings account opening the electronic document for the savings account opening for the child's education provided.

Alternatively, the electronic document generation unit 920 may include the customer information, the payment amount information, the child information, the interest information and the interest amount reinvestment approval information included in the fund (or stock) reinvestment reserve application information received through the information receiving unit 910; Generating an image content including at least one or more income deduction refund account information, and an image file including image content (eg, image content generated by capturing the document content on a memory). It is preferable to process a savings account opening electronic document for opening a savings account for preparing the child's education expenses.

Alternatively, the electronic document generation unit 920 may include the customer information, the payment amount information, the child information, the interest information and the interest amount reinvestment approval information included in the fund (or stock) reinvestment reserve application information received through the information receiving unit 910; The fund (or stock) is generated in the document content including at least one of the deduction refund account information, and the image content (e.g., image content generated by capturing the document content on a memory). After the watermarking method includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the reinvestment saving application information, the watermarking method is performed. Opening a savings account to raise the child's education expenses for an image file containing the included image contents It is advisable to process the savings account electronically.

According to another exemplary embodiment of the present invention, the electronic document generation unit 920 may include the customer information, the payment amount information, and the child included in the fund (or stock) reinvestment opening application information received through the information receiving unit 910. Image content including at least one information, interest amount reinvestment approval information, and income deduction refund account information, and image content (eg, an image generated by capturing the document content on a memory); 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 of HWP / DOC, etc.), or a web including MHT. Document file, etc.) to process the savings account opening electronic document for opening the savings account for the child education expenses It is preferable.

Alternatively, the electronic document generation unit 920 may include the customer information, the payment amount information, the child information, the interest information and the interest amount reinvestment approval information included in the fund (or stock) reinvestment reserve application information received through the information receiving unit 910; The fund (or stock) is generated in the document content including at least one of the deduction refund account information, and the image content (e.g., image content generated by capturing the document content on a memory). ) Generate image contents including watermarking method of at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the application for reinvestment savings; And a document file including image content including the watermarking (eg, Portable Document For PDF). mat), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT) It is advisable to process the savings account electronically for opening.

According to another exemplary embodiment of the present invention, the electronic document generation unit 920 may include the customer information and the payment amount information included in the fund (or stock) reinvestment opening application information received through the information receiving unit 910. Generating document content including at least one child information, interest amount reinvestment approval information, and income deduction refund account information, and capturing the image content (e.g., capturing the document content on a memory; At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image contents) and application information for opening the fund (or stock) reinvestment deposit. By generating a word processor file including the above, or a web document file including the MHT); It is preferable to process the savings account opening electronic document for opening the account.

Alternatively, the electronic document generation unit 920 may include the customer information, the payment amount information, the child information, the interest information and the interest amount reinvestment approval information included in the fund (or stock) reinvestment reserve application information received through the information receiving unit 910; The fund (or stock) is generated in the document content including at least one of the deduction refund account information, and the image content (e.g., image content generated by capturing the document content on a memory). ) Generate image contents including watermarking method of at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the application for reinvestment savings; Application for opening a fund (or stock) reinvestment funding image content including the watermarking A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the like), or a web document file including an MHT). By generating a, it is preferable to process as a savings account opening electronic document for opening a savings account for preparing the child education expenses.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 920 generates a savings account opening electronic document of the image file format or a predetermined document file format, and the savings account opening Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 925 transmits and stores the electronic saving account opening electronic document generated by the electronic document generating unit 920 to a predetermined electronic document repository associated with the savings account opening system. .

As shown in FIG. 9, the electronic document repository is connected to an account opening server 120 on the savings account opening system with a predetermined electronic document server 100 and an electronic document D / B 960 connected through predetermined communication means. When the electronic document transmission unit 925 is provided to the outside, the electronic document server 100 through the communication means to open the savings account opening electronic document generated by the electronic document generation unit 920 It characterized in that the transmission to.

Here, when the electronic document server 100 and the electronic document D / B 960 is provided outside the savings account opening system, the electronic document server 100 and the electronic document D / B 960 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the savings account opening system, the electronic document transmission unit 925 is generated by the electronic document generation unit 920. The savings account opening electronic document can be stored in the electronic document D / B 960 corresponding to the electronic document storage on the DBMS provided in the savings account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 925 may store electronic document related information (eg, the fund (or stock) reinvestment reserve) for generating predetermined electronic document management information in the electronic document server 100. Customer information sent by entering (selecting) opening application information, financial institution information transmitting the savings account opening electronic document, electronic document file format information, or the fund (or stock) reinvestment saving opening application information, etc.); In addition, it is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 9, the account opening server 120 uses the funds (or stock) reinvestment savings opening application information received through the information receiving unit 910 to prepare the child's education expenses through the validity checking unit 915. If the validity for opening a savings account is authenticated, the customer information, payment amount information, child information, interest information, interest amount reinvestment approval information and income deduction refund account information included in the fund (or stock) reinvestment savings application information for which the validity was verified An information generating unit (or information generating means) 930 for generating the savings account information on the basis of; and an account opening unit (or account opening means) for opening and processing a savings account under the customer's name including the savings account information. 935 is provided.

When the validity confirmation unit 915 confirms the validity of the fund (or stock) reinvestment reserve application information, the information generation unit 930 is a child included in the fund (or stock) reinvestment fund opening application information. And generating payment period information of the fund (or stock) reinvestment reserve information based on the information.

Here, the savings account information preferably comprises an account number and interest rate information corresponding to the savings account opened based on the fund (or stock) reinvestment savings application information, wherein the savings account has a savings attribute When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

The account establishment unit 935 generates a customer ledger including the customer information included in the savings account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information and is provided), After generating predetermined account ledger information including the savings account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund (or stock) reinvestment savings opening application information It is characterized in that the opening of a predetermined savings account for opening the savings account for preparing the child's education expenses.

According to an embodiment of the present invention, when the account opening server 120 and the financial system exist in the same system, the account opening unit 935 may be connected to the ledger D / B 115 in association with the financial system. It is desirable to create a predetermined ledger containing the savings account information.

According to another exemplary embodiment of the present invention, when the account opening server 120 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 935 may use a predetermined communication means. It is preferable to request the ledger D / B 115 on the other financial system to create a predetermined ledger including the savings account information through the external system on the financial system.

Referring to FIG. 9, the account opening server 120 uses the funds (or stock) reinvestment savings opening application information received through the information receiving unit 910 to prepare the child's education expenses through the validity checking unit 915. If the validity for opening a savings account is authenticated, the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the funds (or stocks) reinvestment savings application information for which the validity is authenticated. And an information storage unit (or information storage means) 940 for storing the fund (or stock) reinvestment deposit information including at least one of the above in a predetermined storage medium 965.

When the validity of the fund (or stock) reinvestment savings opening application information is confirmed by the validity checking unit 915, the information storage unit 940 includes the fund (or stock) reinvestment savings opening application information included in the information. And storing the fund (or stock) reinvestment deposit information including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information in the storage medium 965.

According to an embodiment of the present invention, when the storage medium 965 is provided in the account opening server 120 or on the network associated with the account opening server 120, the information storage unit 940. A fund (or stock) including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the received fund (or stock) reinvestment reserve application information; It is preferable to store the reinvestment deposit information in the storage medium 965.

According to another exemplary embodiment of the present invention, when the storage medium 965 is provided in a DBMS provided on a financial system, the information storage unit 940 may apply to the received fund (or stock) reinvestment reserve application information. Providing funds (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information to the information system through the external system of the financial system. It is preferable to store in a DBMS provided on the financial system.

Referring to FIG. 9, an electronic document which receives a predetermined savings account opening electronic document from the account opening server 120 provided on the savings account opening system and stores and manages in a predetermined electronic document D / B 960. The server 100 includes an electronic document receiving unit (or electronic document receiving unit) 945 for receiving a predetermined savings account opening electronic document from the account opening server 120 through a predetermined communication means, and the received savings account. An information generating unit (or information generating means) 950 for generating predetermined electronic document management information for storing and managing an opened electronic document in the electronic document D / B 960; and the electronic document management information and the savings. And an electronic document storage unit (or electronic document storage means) 955 for linking the account opening electronic document and storing it in a predetermined electronic document D / B 960.

The electronic document receiving unit 945 may receive a savings account opening electronic document in the form of an image file or a document file from the account opening server 120 through the communication means.

According to an embodiment of the present invention, the fund opening account electronic document received by the electronic document receiving unit 945 through the communication means is a fund (or the account opening server 120 received from the terminal device 970) (Stock) Document files (e.g., PDF (Portable (Portable)) containing document contents including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

Alternatively, a deposit account opening electronic document received by the electronic document receiving unit 945 through the communication means may be an application for establishing a fund (or stock) reinvestment deposit received by the account opening server 120 from the terminal device 970. Customer information included in the fund (or stock) reinvestment reserve application information in document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the information. And a document file including the document contents including the watermarking after including at least one information of the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information in a watermarking manner. , At least one Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC. It comprises a web page file, and so on) that include the word-processor file, or MHT is preferable to.

Alternatively, a deposit account opening electronic document received by the electronic document receiving unit 945 through the communication means is the fund (or stock) reinvestment deposit opening application information received by the account opening server 120 from the terminal device 970. Image content (e.g., capturing the document content on the memory) which captures document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the information. And an image file containing the generated image content).

Alternatively, a deposit account opening electronic document received by the electronic document receiving unit 945 through the communication means is the fund (or stock) reinvestment deposit opening application information received by the account opening server 120 from the terminal device 970. Image content (e.g., capturing the document content on the memory) which captures document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the information. Watermarking information of at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment opening application information. An image wave including the image content including the watermarking after the watermarking It is preferred which comprises a.

According to another exemplary embodiment of the present invention, the fund opening electronic document received by the electronic document receiving unit 945 through the communication means is a fund that the account opening server 120 receives from the terminal device 970 ( Or image) (e.g., a document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the application for reinvestment savings application) At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including a document content generated by capturing the document content on a memory. And a web document file including MHT, etc.).

Alternatively, a deposit account opening electronic document received by the electronic document receiving unit 945 through the communication means is the fund (or stock) reinvestment deposit opening application information received by the account opening server 120 from the terminal device 970. Image content (e.g., capturing the document content on the memory) which captures document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the information. Watermarking information of at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment opening application information. Create image content to include in the (Watermarking) method, and the image control including the watermarking Document files (e.g., Portable Document Format (PDF) files, electronic data interchange (EDI) files, word processor files including at least one or more HWP / DOC, etc.), or web document files including MHT It is preferable to comprise).

According to another embodiment of the present invention, the fund opening account electronic document received by the electronic document receiving unit 945 through the communication means is a fund received by the account opening server 120 from the terminal device 970 (Or stocks) Image contents that capture document contents including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for opening a reinvestment deposit ( For example, a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data) including the image content generated by capturing the document content on a memory) and the fund (or stock) reinvestment reserve application information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to comprise.

Alternatively, a deposit account opening electronic document received by the electronic document receiving unit 945 through the communication means is the fund (or stock) reinvestment deposit opening application information received by the account opening server 120 from the terminal device 970. Image content (e.g., capturing the document content on the memory) which captures document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the information. Watermarking information of at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment opening application information. Create image content to include in the (Watermarking) method, and the image control including the watermarking And at least one document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing information regarding the application of the funds and / or stock reinvestment reserve. Word processor files, or web document files containing MHT).

The information generating unit 950 is a predetermined electronic document unique number (or unique information) to be assigned to the savings account opening electronic document received through the electronic document receiving unit 945, and through the electronic document receiving unit 945 And generating electronic document management information including electronic document storage date and time information including a date and time at which the savings account opening electronic document is received (or a date and time at which the savings account opening electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 950 opens the savings account with reference to the account opening server 120 that has transmitted the savings account opening electronic document received through the electronic document receiving unit 945. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the account opening server 120 through the electronic document receiving unit 945, the information generating unit 950 receives the received information. Electronic document-related information (e.g., customer information sent by inputting (selection) of the fund (or stock) reinvestment savings application application information, financial institution information transmitting the savings account opening electronic document, or electronic document file format information) It is preferable to generate the electronic document management information further comprising the fund (or stock) reinvestment opening application information, etc.).

The electronic document storage unit 955 associates a savings account opening electronic document received through the electronic document receiving unit 945 with electronic document management information generated through the information generating unit 950 to process a predetermined electronic document D. / B 960, characterized in that.

According to an embodiment of the present invention, the saving account opening electronic document stored in the electronic document D / B 960 by the electronic document storage unit 955 is the account opening server 120 is the terminal device 970 Document file containing document contents including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for opening a fund (or stock) reinvestment deposit received from (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). desirable.

Alternatively, a deposit account opening electronic document stored in the electronic document D / B 960 by the electronic document storage unit 955 may be a fund (or stock) received by the account opening server 120 from the terminal device 970. Application information for reinvesting funds (or stocks) in document contents, which includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information. Include watermarking information after including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the watermarking method. At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) It comprises a web page file, and so on) by including the word processor file, or MHT that is preferred.

Alternatively, a deposit account opening electronic document stored in the electronic document D / B 960 by the electronic document storage unit 955 may be a fund (or stock) received by the account opening server 120 from the terminal device 970. Image content capturing document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for reinvestment savings application (eg, the above) And an image file including image content generated by capturing document content on a memory.

Alternatively, a deposit account opening electronic document stored in the electronic document D / B 960 by the electronic document storage unit 955 may be a fund (or stock) received by the account opening server 120 from the terminal device 970. Image content capturing document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for reinvestment savings application (eg, the above) Image content generated by capturing document contents in a memory) at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. An image including image content including the watermarking after including at least one information in a watermarking manner It comprises a day is preferred.

According to another embodiment of the present invention, the saving account opening electronic document stored in the electronic document D / B 960 by the electronic document storage unit 955 is the account opening server 120 is the terminal device 970 Capturing document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for opening a fund (or stock) deposit received from ) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content (e.g., image content generated by capturing the document content on a memory). And a word processor file including at least one DOC or the like, or a web document file including an MHT.

* Or a fund stored in the electronic document storage unit 955 in the electronic document D / B 960, an electronic document opening fund that the account opening server 120 receives from the terminal device 970 (or Image content (e.g., capture) of document contents including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for reinvestment savings application; Image information generated by capturing the document contents in memory, among customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. Generating image content including at least one or more information by a watermarking method, and the image including the watermarking Document files containing the contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including the MHT, etc.) It is preferable to comprise).

According to another embodiment of the present invention, a savings account opening electronic document stored in the electronic document D / B 960 by the electronic document storage unit 955, the account opening server 120 is the terminal device ( 970) capture document contents including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the fund (or stock) reinvestment opening application information received from A predetermined document file (e.g., a Portable Document Format (PDF) file) including captured image contents (e.g., image contents generated by capturing the document contents on a memory) and application information for opening a fund (or stock) reinvestment deposit. , Or 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 comprises are preferred.

Alternatively, a deposit account opening electronic document stored in the electronic document D / B 960 by the electronic document storage unit 955 may be a fund (or stock) received by the account opening server 120 from the terminal device 970. Image content capturing document content including at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for reinvestment savings application (eg, the above) Image content generated by capturing document contents in a memory) at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. Create image content including one or more pieces of information in a watermarking manner, and generate an image controller including the watermarking. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing the contents and application information for opening the fund (or stock) reinvestment deposit. Word processor files, or web document files containing MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 960 by the electronic document storage unit 955 in association with the savings account opening electronic document is stored in the savings account opening electronics. Preferably, a predetermined electronic document unique number (or unique information) assigned to the 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 960 by the electronic document storage unit 955 in association with the saving account opening electronic document is stored in the saving account. It is preferable that the financial institution further includes the information on the financial institution that transmitted the savings account opening electronic document confirmed with reference to the account opening server 120 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the account opening server 120, the electronic document storage unit 955 processes the connection with the savings account opening electronic document and the The electronic document management information stored in the electronic document D / B 960 is customer information transmitted by inputting (selecting) the received electronic document related information (for example, the fund (or stock) reinvestment opening application information), or Financial institution information for transmitting the savings account opening electronic document, or electronic document file format information, or the fund (or stock) reinvestment savings opening application information, etc.).

FIG. 10 is a diagram illustrating an implementation method in which a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a non-face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system. .

In more detail, in FIG. 10, when the storage medium 965 shown in FIG. 9 is the ledger D / B 115 provided in the DBMS on the financial system, or the ledger D / B 115 is provided, An information structure for an implementation method in which the fund (or stock) reinvestment deposit information is stored in the ledger information provided in the ledger D / B 115 is shown, and has a general knowledge in the technical field to which the present invention belongs. However, various information construction methods for storing the fund (or stock) reinvestment reserve information in the ledger D / B 115 may be inferred by referring to or modifying the drawing 10. It includes a method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 115 provided in a DBMS on a financial system is associated with a predetermined customer ledger and the customer ledger, and is shown in FIG. The account ledger corresponding to the savings account opened through the illustrated savings account opening system and at least one information associated with the account ledger are shown to be included, and a person having ordinary skill in the art to which the present invention belongs. In addition, the ledger D / B 115 provided in the DBMS on the financial system includes at least one ledger (eg, ledger, loan ledger, collateral ledger, etc.) in addition to the customer ledger and the account ledger shown in FIG. Or it will be clearly understood that at least one or more additional information for maintaining and managing the ledgers are also included, and specific technical matters therefor Since it will be understood, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is relationally linked to the customer ledger, and as a ledger corresponding to the savings account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

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

Referring to FIG. 10, in which the storage medium 965 is the ledger D / B 115, or includes an implementation method provided in the ledger D / B 115 according to one embodiment of the present invention, At least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment deposit application information provided through the savings account opening system shown in FIG. The fund (or stock) reinvestment deposit information including the above is stored in the form of additional information added to the account ledger.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. Re-investment approval for the re-investment and the income deduction refund account information including the account number for the refund of the deduction is preferably included. In this figure 10, the customer information is included in the customer ledger, the savings account information Since it will be included in the account ledger, it is omitted for convenience.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

According to another exemplary embodiment of the present invention, the fund (or stock) reinvestment reserve application information is stored in the form of information included in the account ledger (not shown), or other ledgers other than the account ledger (eg, customers). It can be stored in the form of additional information added to the ledger, or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

11 is a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a non-face-to-face manner according to another embodiment of the present invention, linked with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a compiled database.

In more detail, FIG. 11 shows an information structure of an exemplary method in which the storage medium 965 illustrated in FIG. 9 includes a predetermined database linked to the ledger D / B 115 provided in the DBMS on the financial system. As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may refer to or modify the drawing 11 to transfer the fund (or stock) reinvestment deposit information to a predetermined database in the ledger D / B 115. It will be able to infer a variety of information configuration method for storing in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 11, when it is not easy to store the fund (or stock) reinvestment reserve information in the ledger information of the ledger D / B 115 on the DBMS provided on the financial system (for example, the policy of a financial institution). If it is not easy to change the ledger D / B 115 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system, the fund (or Stock) shows an implementation method of storing reinvestment savings information and storing the re-investment savings information in association with the database and the ledger D / B 115.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 11, and the 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.

According to another exemplary embodiment of the present invention, referring to FIG. 11, the storage medium 965 includes a database associated with a ledger D / B 115 provided in a DBMS on a financial system. Or stock) a fund (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for reinvestment savings application; The fund (or stock) reinvestment reserve information further includes a CIF number corresponding to the ledger information in the fund (or stock) reinvestment reserve information to be linked to the ledger D / B 115. It is preferable to make.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. It is preferable that the re-investment approval and the income deduction refund account information including the account number for the income deduction refund comprises at least one.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The savings account information is the savings account information corresponding to the savings account opened through the savings account application information, the savings account information comprises at least one or more account number, account holder name, etc. corresponding to the savings account It is preferable.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, and the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

12 illustrates an implementation method including a DBMS provided with a banking server in which a storage medium for storing fund (or stock) reinvestment deposit information corresponding to a savings account opened in a non-face-to-face manner according to another embodiment of the present invention. Figure is shown.

More specifically, FIG. 12 illustrates a DBMS in which a storage medium 965 shown in FIG. 9 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 skilled in the art to which the present invention belongs, a fund stored in a predetermined DBMS provided in at least one or more banking server with reference to or modified in this drawing 12 ( Or stocks) can be inferred from the information construction method for the reinvestment savings information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 965 includes a DBMS provided in a banking server. Referring to FIG. 12, a predetermined DBMS provided in the banking server may include the fund (or stock). Storing funds (or stocks) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the reinvestment application; do.

According to the implementation method of the present invention, the fund (or stock) reinvestment deposit information is the customer information for opening the savings account through the fund (or stock) reinvestment savings application information, the savings account information corresponding to the savings account and Interest of the fund (or stock) reinvestment account through the payment amount information for the savings account, the payment period information calculated in response to the child information of the savings account, and the application for opening the fund (or stock) reinvestment fund; Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the amount reinvestment and the payment amount information, and the fund (or Stocks) through the application information for reinvestment savings deposits and to the income deduction refund of the fund (or stocks) reinvestment savings account. It is preferable that the re-investment approval and the income deduction refund account information including the account number for the income deduction refund comprises at least one.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The savings account information is the savings account information corresponding to the savings account opened through the savings account application information, the savings account information comprises at least one or more account number, account holder name, etc. corresponding to the savings account It is preferable.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, and the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

13A and 13B illustrate a savings account opening process for opening a savings account for preparing a child's education expenses in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B show that the terminal device 970 on the savings account opening system shown in FIG. 9 is a client terminal, and the account opening server 120 can be accessed by a client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer opens a savings account for opening a savings account for raising a child's education expenses through the client terminal, customer information, payment amount information, child information, and interest amount reinvestment approval information. And providing a fund (or stock) reinvestment deposit opening application information including at least one or more of the deduction of refund information of the account, the client information, the payment amount information, the child information, the interest information, the interest amount reinvestment approval information, and the income in the savings account opening system. Reinvesting a fund (or stock) that includes at least one deduction refund account information As an embodiment of the present invention relates to a method for opening and processing the savings account for opening a savings account for the provision of the child's education expenses based on the application information for gold, if the person having ordinary knowledge in the technical field to which the present invention belongs, 13b may be inferred from various embodiments of the present invention to register the fund (or stock) reinvestment opening application information from the client terminal to the account opening server 120, but the present invention may infer all the inferred. It includes an implementation method and is not limited to the implementation method shown in Figs. 13A and 13B.

For example, the method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the fund (or stock) reinvestment reserve application information and storing the electronic document in an electronic document repository. The procedure may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 13A and 13B, the account opening server 120 provides a user interface for the client terminal to input (or select) the fund (or stock) reinvestment reserve application information. Although illustrated as being provided through a web page of the present invention, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the account opening server 120, whereby the present invention is provided. It is not limited.

In the following FIGS. 13A and 13B, the client terminal shown in FIG. 9 is referred to as a "terminal" for convenience, and the account opening server 120 shown in FIG. 9 is referred to as a "server" for convenience, and in the client terminal The customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information transmitted to the account opening server 120 are referred to as "fund (or stock) reinvestment opening application information" for convenience.

Referring to FIGS. 13A and 13B, the client terminal illustrated in FIG. 9 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal). , A CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN, etc. to access the server to connect a predetermined communication channel and save the child's education expenses When requesting a web page including a user interface for opening an account (1300), the server correspondingly at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information A user for inputting (or selecting) a fund (or stock) reinvestment opening request application information to be transmitted to the server A web page including an interface is generated (or extracted) (05), and the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1310).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the application information for opening a fund (or stock) reinvestment deposit. The invention is not limited.

Thereafter, the terminal requests to open a fund (or stock) reinvestment deposit that includes at least one or more customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information through a user interface included in the web page. Input (or select) information (1315).

If the terminal inputs (or selects) a fund (or stock) reinvestment opening application information including the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information, through the user interface; In operation 1320, the terminal transmits the input (or selected) customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information to the server through the communication channel (1325). .

According to an embodiment of the present invention, the terminal may include at least one fund (or stock) reinvestment reserve application information including the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the fund (or stock) reinvestment savings application information on the server. It is preferable to transmit to the server, including through the network means.

According to the implementation method of the present invention, the terminal receives information on the application for opening a fund (or stock) savings deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. Encrypt with at least one encryption method (e.g., symmetric key based encryption method, public key based encryption method, or electronic envelope based encryption method, or key exchange based encryption method), or deposit the fund (or stock) Preferably, a predetermined electronic signature is attached to the application information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or at least one encryption. Have a predetermined public certificate containing a key; or If the certificate is provided in a predetermined IC chip (or IC card) it is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card).

According to the implementation method of the present invention, the terminal receives information on the application for opening a fund (or stock) savings deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. Encrypting with at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method, etc.) and transmitting to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate is a predetermined IC chip ( Or IC card), the IC chip (or IC card) It is a card reader for identifying the certificate is provided it is preferable.

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the fund (or stock) reinvestment reserve application information and the fund (or stock) reinvestment reserve application information Since it will be familiar with the technical features to attach a predetermined electronic signature, a detailed description thereof will be omitted for convenience.

Subsequently, the server receives and reads the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information through the communication channel, for the fund (or stock) reinvestment reserve application information. Check the validity (1330).

According to an embodiment of the present invention, the fund (or stock) reinvestment reserve application information is at least one encryption method (eg, symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key) When encrypted with an exchange-based encryption scheme, the server may transmit the encrypted fund (or stock) reinvestment reserve application information to at least one decryption scheme (eg, symmetric key-based decryption scheme, or public) corresponding to the encryption scheme. Key-based decryption method, electronic envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to verify the validity of the received fund (or stock) reinvestment saving application information.

Alternatively, when a predetermined electronic signature is attached to the fund (or stock) reinvestment opening application information, the server checks the electronic signature attached to the fund (or stock) reinvestment opening application information, thereby receiving the received fund. (Or stocks) It is advisable to verify the validity of the application information.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted fund (or stock) reinvestment reserve application information and the fund (or stock) reinvestment opening application. Since you will be familiar with the technical features of verifying the digital signature attached to the information, a detailed description thereof will be omitted for convenience.

In accordance with an embodiment of the present invention, a predetermined password for verifying the validity of the fund (or stock) reinvestment reserve application information received through the information receiving unit 910 is applied to the fund (or stock) reinvestment fund opening application information received through the information receiving unit 910. If further included, the server compares and authenticates the password included in the fund (or stock) reinvestment reserve application information received and the password provided corresponding to the customer on the DBMS, thereby receiving the received fund (or Stock) It is advisable to verify the validity of the application information for opening a reinvestment deposit.

Alternatively, the fund (or stock) reinvestment reserve application information received through the information receiving unit 910 further includes a predetermined security card information for confirming the validity of the fund (or stock) reinvestment reserve application information. If there is, the server compares and authenticates the security card information included in the fund (or stock) reinvestment deposit application information and the security card information provided corresponding to the customer on the DBMS, thereby receiving the received fund ( Or stocks) It is desirable to certify the validity of the application information for opening a reinvestment deposit.

Alternatively, a fund (or stock) reinvestment reserve application information received through the information receiving unit 910 further includes a predetermined OTP code for confirming the validity of the fund (or stock) reinvestment reserve application information. In this case, the server compares and authenticates the OTP code generated based on the received OTP code included in the fund (or stock) reinvestment reserve application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. By doing so, it is preferable to authenticate the validity of the received fund (or stock) reinvestment savings application information.

According to the method of the present invention, the validity of the fund (or stock) reinvestment savings application information can be verified by reinvesting the fund (or stocks) in the ledger D / B 115 on the financial system linked to the savings account opening system. It is preferable to include whether the at least one ledger information matching the savings application information is registered.

For example, the validity of the fund (or stock) reinvestment reserve application information may be checked in the information included in the fund (or stock) reinvestment saving application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the savings account opening system.

If the validity of the fund (or stock) reinvestment savings application information is not authenticated (1335), the server generates a web page including predetermined deposit account error information and transmits it to the terminal (1340). Do not open a savings account.

On the other hand, if the validity of the fund (or stock) reinvestment opening application information is authenticated (1335), the server includes at least one customer information, the payment amount information, and the child including the fund (or stock) reinvestment opening application information In operation 1350, predetermined document contents including information, interest amount reinvestment approval information, and income deduction refund account information are generated (1345), and a predetermined savings account opening electronic document including the document contents is generated (1350).

According to an exemplary embodiment of the present invention, the server may include customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including MHT) is preferably processed as a savings account opening electronic document for opening a savings account for preparing the child's education expenses.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And generating at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the fund (or stock) reinvestment reserve application information in the document content. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking after being included in a watermarking method. The word processing file or the web document file including the MHT), etc. It is advisable to process a savings account electronic document for opening a savings account.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. A savings account for generating a savings account for preparing the child's education expenses and generating an image file including image contents (eg, image contents generated by capturing the document contents on a memory) which captured the document contents; It is preferable to process the opened electronic document.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And the customer information included in the fund (or stock) reinvestment opening application information to the image content (e.g., the image content generated by capturing the document content on the memory) which captured the document content. After including at least one or more information of the amount information, child information, interest amount reinvestment approval information and income deduction refund account information by the watermarking method, the image file containing the image content including the watermarking for the child education expenses Opening a savings account for the opening of a savings account Is preferred.

According to another exemplary embodiment of the present invention, the server includes customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. A predetermined document file (eg, PDF) that generates document content including at least one of the document content, and includes image content (eg, image content generated by capturing the document content on a memory). (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is advisable to process a savings account electronic document for opening a savings account.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And the customer information included in the fund (or stock) reinvestment opening application information to the image content (e.g., the image content generated by capturing the document content on the memory) which captured the document content. Documents including image information including the watermarking, generating at least one information of the amount information, child information, interest amount reinvestment approval information and income deduction refund account information by a watermarking method (watermarking) Files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI)) File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like to process a savings account opening electronic document for opening a savings account for raising child education expenses. It is preferable.

According to another exemplary embodiment of the present invention, the server may include customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account included in the received fund (or stock) reinvestment reserve application information. Create document content including at least one information, and create image content (eg, image content generated by capturing the document content on a memory) and the fund (or stock) reinvestment reserve. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. E-mail to open a savings account for opening a savings account for raising the child's education expenses It is preferred to process with.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And the customer information included in the fund (or stock) reinvestment opening application information to the image content (e.g., the image content generated by capturing the document content on the memory) which captured the document content. Generate image content including at least one or more of the amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information by a watermarking method, and the image content including the watermarking and the fund ( Or a document file (e.g., PDF (Port) by generating a able 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 advisable to process a savings account opening electronic document for opening a savings account.

Those skilled in the art to which the present invention pertains include technical features that the server generates a savings account opening electronic document in an image file format or a predetermined document file format, and an image corresponding to the savings account opening electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated savings account opening electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 100 and an electronic document D / B 960 associated with a server on the savings account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated savings account opening electronic document to the electronic document server 100 through the communication means to store in the electronic document D / B (960).

Alternatively, when the electronic document storage is provided on a DBMS provided in the savings account opening system, the server corresponds to the generated electronic savings account opening on the DBMS provided in the savings account opening system. The electronic document D / B 960 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the savings account opening electronic document in the electronic document storage may be performed by linking the generated savings account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 960.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the savings account opening 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 savings account opening electronic document.

In addition, the electronic document management information is a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the fund (or stock) reinvestment savings opening application information, or the banking for transmitting the savings account opening electronic document) Institution information, or electronic document file format information, or the fund (or stock) reinvestment opening application information, etc.).

If the electronic document opening electronic document is stored in the electronic document storage (1360), the server approves the customer information and payment amount information, child information and interest amount reinvestment information included in the fund (or stock) reinvestment savings application information The savings account information is generated based on the information and the income deduction refund account information (1365).

Here, the savings account information preferably comprises an account number and an interest rate information corresponding to the savings account opened based on the fund (or stock) reinvestment savings application information, the savings account includes the savings attributes In this case, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information further included.

Thereafter, the server is connected with the financial system based on the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. In operation 1370, a savings account of the customer name including the savings account information is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the savings account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And) generating predetermined account ledger information including the savings account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby saving the fund (or stock) reinvestment savings application information. In response to the above, it is characterized in that a predetermined savings account for opening a savings account for preparing the child's education expenses is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the savings account information in the ledger D / B 115 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the savings account information.

Thereafter, the server includes at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the fund (or stock) reinvestment reserve application information Stocks) reinvestment reserve information is generated and stored in a predetermined storage medium (965) (1375).

According to an exemplary embodiment of the present invention, when the storage medium 965 is provided in the server or on a network associated with the server, the server may apply to the received fund (or stock) reinvestment reserve application information. Store the fund (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the storage medium 965. Do.

According to another exemplary embodiment of the present invention, when the storage medium 965 is provided in a DBMS provided on a financial system, the server includes the customer included in the received fund (or stock) reinvestment reserve application information. The fund (or stock) reinvestment reserve information, which includes at least one information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information, is provided to the information system through the external system of the financial system. It is preferable to store in the DBMS provided in.

Thereafter, the server stores predetermined savings account opening history information (for example, the savings account opening history, or details of storing the savings account opening electronic document in the electronic document repository, or the fund (or the storage medium 965). Stocks) to generate (or extract) the details of storing the application information for re-investment savings opening (1380) and transmits the same to the terminal (1380).

According to one embodiment of the invention, the storage medium 965 is preferably provided in a DBMS on a financial system provided on the savings account opening system (or associated with the savings account opening system), wherein The storage medium 965 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B 115, whereby the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 965 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the savings account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

14A, 14B, and 14C are diagrams illustrating a savings account opening process for opening a savings account for preparing a child's education expenses according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C are provided when the savings account opening system shown in FIG. 9 is realized through an internet banking system in a non-face-to-face financial transaction channel (ie, opening the savings account shown in FIG. 9). In the case where the account opening server 120 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits a predetermined fund (or stock) reinvestment savings opening application information to the internet banking server to open a savings account for opening a savings account for preparing the child education expenses, the Internet banking server The customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information It is a method for carrying out the process of opening the savings account for opening the savings account for the child education expenses based on the application information for the application of opening a fund (or stock) reinvestment deposit containing at least one, which is common in the art. Those skilled in the art can refer to or modify the drawings 14a, 14b and 14c to infer various implementation methods for registering the fund (or stock) reinvestment opening application information through other types of non-face-to-face financial trading channels. As will be appreciated, the present invention encompasses all of the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 14A, 14B, and 14C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 14A, 14B and 14C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering a fund (or stock) reinvestment reserve application information registration between the client terminal and the internet banking server based on a program is illustrated, it is common in the art to which the present invention pertains. Those skilled in the art may refer to or modify an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 14A, 14B, and 14C, based on a predetermined Internet banking program mounted on the client terminal. Client terminal Although it may be possible to infer a method of connecting an Internet banking-based financial transaction channel for registering a fund (or stock) re-investment application information registration between the Internet banking servers, the present invention provides an internet provided based on the internet banking program. Banking-based financial transactions are included, whereby the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 14a, 14b and 14c, telebanking The system or other banking systems, such as a wireless banking system or a TV banking system, may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering a fund (or stock) reinvestment application information registration. It includes all types of non-face-to-face channel-based financial transactions including the telebanking system, the wireless banking system or the TV banking system, or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention is illustrated in FIGS. 14A and 14B. It is by no means limited to the case of Internet banking shown in Figure 14c.

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

In the following figures 14a, 14b and 14c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the account opening server 120 is referred to as " server "

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

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

If a predetermined security module is mounted or updated in the terminal (1415a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1425a), or if the terminal does not need to load or update the Internet banking security module (1415a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (1430a), where the security channel for internet banking is referred to. Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and the information to be provided to the server for registration of the fund (or stock) reinvestment reserve application information registration in the terminal ( Or a predetermined digital signature attached to the data) or encrypted and transmitted using at least one encryption method (or an encryption algorithm), the server verifies the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decoding the information (or data) using a decoding method (or a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and information (or data) to be provided to the server for registration of the fund (or stock) reinvestment savings application information registration in the terminal ), Or at least When the transmission is encrypted by the above encryption method (or encryption algorithm), the information (or data) is verified by the server or by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Means a communication channel for decoding.

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

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

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

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

Subsequently, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1440a). In operation 1445a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

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

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers a fund (or stock) reinvestment savings application application information for opening a savings account for preparing a child education expenses from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for opening a savings account for the provision of the child's education expenses to the server through an internet banking-based financial transaction channel (1400b), the server responds to the customer information. And a user interface for inputting (or selecting) fund (or stock) reinvestment opening application information including at least one of payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information to the server. Generates (or extracts) a webpage including 1405b and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1410b). .

According to an embodiment of the present invention, the web page opens a fund (or stock) reinvestment deposit which includes at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information in the terminal. It is preferable to include a user interface for inputting (or selecting) application information, or a predetermined password or security for verifying the validity of the Internet banking customer requesting to register the fund (or stock) reinvestment opening application information. Credit card information (e.g., security card information printed on a security card issued to a customer during an internet banking application) or one time password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) One-time secret generated by the provided OTP authenticator (or OTP authentication program) It is preferable to further include a user interface for inputting the number).

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least one or more times according to the procedure for registering the application information for opening the fund (or stock) reinvestment deposit, and thus the present invention is not limited thereto.

Subsequently, the terminal receives the fund (or stock) reinvestment reserve application information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information through the savings account opening interface. Enter (or select) 1415b.

If the terminal inputs (or selects) a fund (or stock) reinvestment opening application information including the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information, through the user interface; In operation 1420b, the terminal transmits the input (or selection) fund (or stock) reinvestment opening application information to the server through the financial transaction channel (1425b).

According to an embodiment of the present invention, the terminal may include at least one fund (or stock) reinvestment reserve application information including the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the fund (or stock) reinvestment savings application information on the server. It is preferable to transmit to the server, including through the network means.

According to the implementation method of the present invention, the terminal receives information on the application for opening a fund (or stock) savings deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. Encrypt with at least one encryption method (e.g., symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key exchange based encryption), or open a fund (or stock) reinvestment deposit. Preferably, a predetermined electronic signature is attached to the application information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or at least one encryption key. Equipped with a predetermined official certificate, or If the certificate is provided in a predetermined IC chip (or IC card), it is preferred that the card to verify the certificate provided in the IC chip (or IC card) reader that is non-sphere.

According to the implementation method of the present invention, the terminal receives information on the application for opening a fund (or stock) savings deposit including at least one of the customer information, the payment amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information. Encrypting with at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method, etc.) and transmitting to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate is a predetermined IC chip ( Or IC card), the IC chip (or IC card) It is a card reader for identifying the certificate is provided it is preferable.

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the fund (or stock) reinvestment reserve application information and the fund (or stock) reinvestment reserve application information Since it will be familiar with the technical features to attach a predetermined electronic signature, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the fund (or stock) reinvestment reserve application information through the financial transaction channel and checks the validity of the fund (or stock) reinvestment reserve application information (1430b).

According to an embodiment of the present invention, the fund (or stock) reinvestment reserve application information is at least one encryption method (eg, symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key) When encrypted with an exchange-based encryption scheme, the server may transmit the encrypted fund (or stock) reinvestment reserve application information to at least one decryption scheme (eg, symmetric key-based decryption scheme, or public) corresponding to the encryption scheme. Key-based decryption method, electronic envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received fund (or stock) reinvestment opening application information.

Alternatively, when a predetermined electronic signature is attached to the fund (or stock) reinvestment opening application information, the server checks the electronic signature attached to the fund (or stock) reinvestment opening application information, thereby receiving the received fund. (Or stocks) It is advisable to verify the validity of the application information.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted fund (or stock) reinvestment reserve application information, and opening the fund (or stock) reinvestment deposit. You will be familiar with the technical features to confirm the electronic signature attached to the application information, so a detailed description thereof will be omitted for convenience.

In accordance with an embodiment of the present invention, a predetermined password for verifying the validity of the fund (or stock) reinvestment reserve application information received through the information receiving unit 910 is applied to the fund (or stock) reinvestment fund opening application information received through the information receiving unit 910. If further included, the server compares and authenticates the password included in the fund (or stock) reinvestment reserve application information received and the password provided corresponding to the customer on the DBMS, thereby receiving the received fund (or Stock) It is advisable to verify the validity of the application information for opening a reinvestment deposit.

Alternatively, the fund (or stock) reinvestment reserve application information received through the information receiving unit 910 further includes a predetermined security card information for confirming the validity of the fund (or stock) reinvestment reserve application information. If there is, the server compares and authenticates the security card information included in the fund (or stock) reinvestment deposit application information and the security card information provided corresponding to the customer on the DBMS, thereby receiving the received fund ( Or stocks) It is desirable to certify the validity of the application information for opening a reinvestment deposit.

Alternatively, a fund (or stock) reinvestment reserve application information received through the information receiving unit 910 further includes a predetermined OTP code for confirming the validity of the fund (or stock) reinvestment reserve application information. In this case, the server compares and authenticates the OTP code generated based on the received OTP code included in the fund (or stock) reinvestment reserve application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. By doing so, it is preferable to authenticate the validity of the received fund (or stock) reinvestment savings application information.

According to the method of the present invention, the validity of the fund (or stock) reinvestment savings application information can be verified by reinvesting the fund (or stocks) in the ledger D / B 115 on the financial system linked to the savings account opening system. It is preferable to include whether the at least one ledger information matching the savings application information is registered.

For example, the validity of the fund (or stock) reinvestment reserve application information may be checked in the information included in the fund (or stock) reinvestment saving application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the savings account opening system.

If the validity of the fund (or stock) reinvestment savings application information is not authenticated (1435b), the server generates a web page including predetermined deposit account error information and transmits it to the terminal (1440b). Do not open a savings account.

On the other hand, if the validity of the fund (or stock) reinvestment savings application information is authenticated (1435b), the server includes at least one customer information, the payment amount information, and the child including the fund (or stock) reinvestment savings application information. Generates predetermined document content including information, interest amount reinvestment approval information, and income deduction refund account information (1445b), and generates a predetermined savings account opening electronic document including the document content (1450c).

According to an exemplary embodiment of the present invention, the server may include customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including MHT) is preferably processed as a savings account opening electronic document for opening a savings account for preparing the child's education expenses.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And generating at least one of customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund information included in the fund (or stock) reinvestment reserve application information in the document content. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking after being included in a watermarking method. The word processing file or the web document file including the MHT), etc. It is advisable to process a savings account electronic document for opening a savings account.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. A savings account for generating a savings account for preparing the child's education expenses and generating an image file including image contents (eg, image contents generated by capturing the document contents on a memory) which captured the document contents; It is preferable to process the opened electronic document.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And the customer information included in the fund (or stock) reinvestment opening application information to the image content (e.g., the image content generated by capturing the document content on the memory) which captured the document content. After including at least one or more information of the amount information, child information, interest amount reinvestment approval information and income deduction refund account information by the watermarking method, the image file containing the image content including the watermarking for the child education expenses Opening a savings account for the opening of a savings account Is preferred.

According to another exemplary embodiment of the present invention, the server includes customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. A predetermined document file (eg, PDF) that generates document content including at least one of the document content, and includes image content (eg, image content generated by capturing the document content on a memory). (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or the like, Web document files including MHT) to raise the child education expenses It is advisable to process a savings account electronic document for opening a savings account.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And the customer information included in the fund (or stock) reinvestment opening application information to the image content (e.g., the image content generated by capturing the document content on the memory) which captured the document content. Documents including image information including the watermarking, generating at least one information of the amount information, child information, interest amount reinvestment approval information and income deduction refund account information by a watermarking method (watermarking) Files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI)) File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like to process a savings account opening electronic document for opening a savings account for raising child education expenses. It is preferable.

According to another exemplary embodiment of the present invention, the server may include customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account included in the received fund (or stock) reinvestment reserve application information. Create document content including at least one information, and create image content (eg, image content generated by capturing the document content on a memory) and the fund (or stock) reinvestment reserve. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. E-mail to open a savings account for opening a savings account for raising the child's education expenses It is preferred to process with.

Alternatively, the server may include at least one document information including customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the received fund (or stock) reinvestment reserve application information. And the customer information included in the fund (or stock) reinvestment opening application information to the image content (e.g., the image content generated by capturing the document content on the memory) which captured the document content. Generate image content including at least one or more of the amount information, the child information, the interest amount reinvestment approval information, and the income deduction refund account information by a watermarking method, and the image content including the watermarking and the fund ( Or a document file (e.g., PDF (Porta) containing application information for re-investment opening. a ble Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to process a savings account opening electronic document for opening a savings account.

Those skilled in the art to which the present invention pertains include technical features that the server generates a savings account opening electronic document in an image file format or a predetermined document file format, and an image corresponding to the savings account opening electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated savings account opening electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 100 and an electronic document D / B 960 associated with a server on the savings account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated savings account opening electronic document to the electronic document server 100 through the communication means to store in the electronic document D / B (960).

Alternatively, when the electronic document storage is provided on a DBMS provided in the savings account opening system, the server corresponds to the generated electronic savings account opening on the DBMS provided in the savings account opening system. The electronic document D / B 960 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the savings account opening electronic document in the electronic document storage may be performed by linking the generated savings account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 960.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the savings account opening 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 savings account opening electronic document.

In addition, the electronic document management information is a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the fund (or stock) reinvestment savings opening application information, or the banking for transmitting the savings account opening electronic document) Institution information, or electronic document file format information, or the fund (or stock) reinvestment opening application information, etc.).

If the electronic document opening electronic document is stored in the electronic document storage (1460c), the server approves the customer information, payment amount information, child information and interest amount reinvestment information included in the fund (or stock) reinvestment savings application information The savings account information is generated based on the information and the income deduction refund account information (1465c).

Here, the savings account information preferably comprises an account number and an interest rate information corresponding to the savings account opened based on the fund (or stock) reinvestment savings application information, the savings account includes the savings attributes In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

Thereafter, the server is connected with the financial system based on the customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the fund (or stock) reinvestment reserve application information. A savings account of the customer's name including the savings account information is opened (1470c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the savings account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And) generating predetermined account ledger information including the savings account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby saving the fund (or stock) reinvestment savings application information. In response to the above, it is characterized in that a predetermined savings account for opening a savings account for preparing the child's education expenses is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the savings account information in the ledger D / B 115 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the savings account information.

Thereafter, the server includes at least one fund including the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the fund (or stock) reinvestment reserve application information ( Or stocks) reinvestment reserve information is generated and stored in a predetermined storage medium (965) (1475c).

According to an exemplary embodiment of the present invention, when the storage medium 965 is provided in the server or on a network associated with the server, the server may apply to the received fund (or stock) reinvestment reserve application information. Store the fund (or stock) reinvestment deposit information including at least one of the customer information, payment amount information, child information, interest amount reinvestment approval information and income deduction refund account information included in the storage medium 965. Do.

According to another embodiment of the present invention, when the storage medium 965 is provided in a DBMS provided on a financial system, the server includes the customer information included in the received fund (or stock) reinvestment opening application information. And fund (or stock) reinvestment reserve information, including payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information, to the information system through the external system of the financial system. It is preferable to store in the provided DBMS.

Thereafter, the server stores predetermined savings account opening history information (for example, the savings account opening history, or details of storing the savings account opening electronic document in the electronic document repository, or the fund (or the storage medium 965). Stocks) to generate (or extract) the details of storing the application information for re-investment opening establishment and transmit it to the terminal (1480c).

According to one embodiment of the invention, the storage medium 965 is preferably provided in a DBMS on a financial system provided on the savings account opening system (or associated with the savings account opening system), wherein The storage medium 965 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B 115, whereby the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 965 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the savings account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

15 is a diagram showing a savings account operating system for operating a savings account for preparing a child's education expenses according to an embodiment of the present invention.

In more detail, FIG. 15 is based on the fund (or stock) reinvestment deposit information stored in the storage medium 1550 of the savings account opened through the savings account opening system shown in FIGS. 2 and 9. When an interest amount is generated in the savings account in the system, when the interest amount of the savings account is invested in a predetermined fund (or stock), and when the income deduction refund amount is generated in a predetermined income deduction refund account in the savings account operating system Investing in the fund (or stock) by repaying (or transferring) the income deduction refund amount to the savings account, and when the savings account expires, the principal and the fund of the savings account in the savings account management system. (Or a system) for operating the system to repay the interest amount and the income deduction refund amount invested in the stock, Those skilled in the art may refer to or modify this drawing 15 to infer various implementation methods for the savings account operating system for operating the savings account for preparing the child's education expenses, but the present invention infers the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the savings account operating system includes a financial system having a ledger corresponding to a savings account opened through the savings account opening system shown in FIGS. 2 and 9; Fund (or stock) reinvestment deposit information including at least one of the above customer information, payment amount information, child information, interest amount reinvestment approval information, and income deduction refund account information included in the application for opening a fund (or stock) reinvestment deposit. Operating the savings account in connection with the storage medium (1550) and the financial system to be stored, and periodically checks the fund (or stock) reinvestment savings information stored in the storage medium (1550) to provide the child's education expenses It is characterized by comprising an account management server 110 to achieve the savings account operation.

Here, the storage medium 1550 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the account management server 110 is a ledger server provided in the financial system, or an account opening server on the savings account opening system shown in Figures 2 and 9, or shown in Figures 2 and 9 Banking server (eg, Internet banking server, wireless banking server, tele banking server, home banking server, TV banking server, etc.) operating the savings account in connection with the financial system, or operating the savings account for preparing the child's education expenses It may be a separate server provided to achieve this, whereby the present invention is not limited.

In addition, in FIG. 15, the account management server 110 periodically functions to manage the savings account in connection with the financial system, and the fund (or stock) reinvestment savings information stored in the storage medium 1550. Although it has been shown to include all the functional configuration to achieve the savings account operation for preparing the child education expenses, the present invention is not limited by this, the account management server 110 is a separate server for each functional configuration It is clearly to be understood that this may be accomplished through (or a device).

The financial system is a general term for a computer system having a ledger corresponding to the savings account opened through the savings account opening system shown in FIGS. 2 and 9, and basically is a branch (or a branch) of the financial institution. Characterized in that it is connected through at least one or more window terminals provided through a predetermined financial network (for example, the bank network), and provides a face-to-face financial transaction service for at least one or more financial transaction customers through the window terminal.

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

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x based wireless LAN, or 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 (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB) 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. 15, the financial system is a computer system provided in a financial institution to open at least one savings account to at least one financial transaction customer and provide at least one financial transaction service based on the savings account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) to access the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

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

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

The storage medium 1550, through the savings account opening system shown in Figures 2 and 9, the customer information, savings account information, payment amount information and payment amount included in the fund (or stock) reinvestment savings opening application information The storage medium 1550 is a generic term for storage means for storing fund (or stock) reinvestment reserve information including at least one of period information, interest amount reinvestment approval information, interest rate (or interest rate) information, and income deduction refund account information. May be provided in the ledger D / B on the financial system, a predetermined database associated with the ledger D / B, or at least one banking system according to the intention of the skilled person.

According to the method of the present invention, the fund (or stock) reinvestment savings information is customer information for opening the savings account through the fund (or stock) reinvestment savings application information, savings account information corresponding to the savings account And the payment amount information for the savings account, the payment period information calculated in correspondence with the child information of the savings account, and the fund (or stock) reinvestment deposit opening application information of the fund (or stock) reinvestment savings account. Interest rate (or interest rate) information for calculating a reinvestment interest amount for the fund (or stock) reinvestment reserve account through the interest amount reinvestment approval information including the approval for the interest amount reinvestment and the payment amount information, and the fund ( Or stocks) through the application information for opening a reinvestment deposit to the income deduction refund of the fund (or stock) reinvestment savings account. It is preferable that the re-investment approval and the income deduction refund account information including the account number for the income deduction refund comprises at least one.

The customer information includes customer information corresponding to a predetermined parent (eg, parent's name, parent's social security number, parent's phone number, parent's mobile phone number, parent's e-mail address, etc.), and member information of the customer (eg, the Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the savings account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The savings account information is the savings account information corresponding to the savings account opened through the savings account application information, the savings account information comprises at least one or more account number, account holder name, etc. corresponding to the savings account It is preferable.

Preferably, the payment amount information includes at least one of the first payment amount information of the savings account and the payment amount information of the savings account.

The payment period information calculates the time for preparing the child's education expenses (eg, when the child enters high school, when the child enters the university, etc.) based on the child's age included in the child information in the fund (or stock) reinvestment reserve application information. It is characterized in that it is generated, and preferably comprises at least one or more information on the savings account opening date and the savings account expiration date. However, the saving account expiration date information display method is preferably made of a date (eg, year / month / day) or time calculation (eg, D-7).

Preferably, the interest amount reinvestment approval information includes at least one approval information for the interest amount reinvestment for the savings account.

The interest rate (or interest rate) information is information for calculating an interest amount for reinvestment of the savings account, and the interest rate (or interest rate) information based on the payment amount information of the savings account and payment period information of the savings account. It is preferable to include at least one or more interest rate (or interest rate) information based on.

The income deduction refund account information is information for reinvesting the income deduction refund amount for the savings account, the account number information to which the income deduction refund amount of the customer is deposited and the reinvestment of the saving account using the income deduction refund amount. It is preferable to include at least one approval information, and the savings account number may be used as the account number of the tax refund account information.

Referring to FIG. 15, the account management server 110 may include at least one customer terminal 1555 and the savings account for operating the savings account opened through the savings account opening system shown in FIGS. 2 and 9. An interface unit (or interface means) 1510 for connecting a communication channel for operation and receiving predetermined savings account use information for operating the savings account from the customer terminal 1555 in connection with the interface unit 1510. An information receiving unit (or information receiving means) 1515 and a savings account operating unit (or savings account operating means) 1500 for operating the savings account in connection with the financial system based on the received savings account usage information; Characterized in that it comprises a, in accordance with the intention of those skilled in the art account saving unit 1500 is at least two or more functional components (or number) ) It can be made of, and not limited to the invention in it.

According to an embodiment of the present invention, when the customer terminal 1555 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1510 may be configured based on the protocol stack defined in the communication network. A communication that connects an employee terminal with a predetermined communication channel and transmits and receives at least one information (or data) for operating the savings account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide an interface.

According to another exemplary embodiment of the present invention, when the customer terminal 1555 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1510 is based on the protocol stack defined in the wired communication network. At least one or more information (or data) for operating the wired terminal and the savings account by connecting a predetermined communication channel with the terminal 1555 and using a communication protocol defined in a financial transaction program included in the customer terminal 1555. It is desirable to provide a communication interface for transmitting and receiving).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1555, the interface unit 1510 may be connected to the client terminal 1555 based on the TCP / IP protocol. Linking a communication channel and using a HTTP protocol defined in the browser program, a predetermined web page (e.g., Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the savings account. It provides a communication interface for transmitting and receiving.

Or, if the customer terminal 1555 is provided with a predetermined financial transaction program directly interworking with the account management server 110, the interface unit 1510 is based on the TCP / IP protocol the customer terminal (1555) And a communication channel, and a communication interface for transmitting and receiving information (or data) for operating the savings account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 1555 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1510 is based on the protocol stack defined in the wireless communication network. Connect a predetermined communication channel with a customer terminal 1555, and transmit and receive at least one or more information (or data) for operating the savings account using a communication protocol defined in the financial transaction program provided in the customer terminal 1555 It is desirable to provide a communication interface.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the customer terminal 1555, the interface unit 1510 is based on the CDMA / WCDMA protocol. 1555 connects a communication channel and a predetermined web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web) for operating the savings account using the WAP / ME protocol defined in the browser program. Page) or information (or data) interface.

Or, if the customer terminal 1555 is provided with a predetermined financial transaction program directly interworking with the account management server 110, the interface unit 1510 is based on the CDMA / WCDMA protocol the customer terminal (1555) And a communication channel, and a communication interface for transmitting and receiving information (or data) for operating the savings account using a communication protocol defined in the financial transaction program.

The information receiving unit 1515 receives predetermined savings account usage information for operating the savings account from the customer terminal 1555 in connection with the interface unit 1510, and the received savings account usage information. Is provided to the savings account manager 1500.

The savings account management unit 1500 is characterized in that to perform various financial transactions for the savings account in connection with the financial system based on the received savings account usage information.

According to an embodiment of the present invention, when the deposit account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information from which the amount is withdrawn), the deposit account operation The unit 1500 preferably performs a deposit transaction procedure for the savings account in connection with the financial system based on the savings account use information, and records the deposit transaction details in a ledger corresponding to the savings account. desirable.

According to another embodiment of the present invention, the deposit account use information includes the withdrawal transaction request information for the deposit account (for example, a deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the deposit account). In this case, it is preferable that the savings account manager 1500 performs a withdrawal transaction (or transfer transaction) procedure for the savings account in connection with the financial system based on the savings account usage information. It is preferable to record in the ledger corresponding to the savings account.

In addition, the savings account manager 1500 periodically checks the amount deposited in the savings account, and calculates the interest (or proceeds) for the deposit amount according to the interest rate (or yield) corresponding to the savings account. And deposit the calculated interest (or proceeds) into the savings account, and record the interest (or proceeds) deposit in the ledger corresponding to the savings account.

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

Referring to FIG. 15, the account management server 110 may include an interest amount confirmation unit (or interest) for confirming an interest amount of the savings account in connection with the financial system for operating a savings account for preparing a predetermined child education cost. An amount confirmation means 1520, an interest amount reinvestment unit (or interest amount reinvestment means) 1545 that invests the identified interest amount in a fund (or stock) in association with the financial system, and in connection with the financial system It is characterized in that it comprises a savings account operation unit 1500 for recording the interest amount reinvestment details of the savings account in the ledger D / B.

The interest amount checking unit 1520 checks the interest amount of the savings account in connection with the financial system. In addition, the interest amount checking unit 1520 checks the interest amount of the savings account based on the interest rate information and the payment amount information in the fund (or stock) reinvestment deposit information in connection with the storage medium 1550. do.

The interest amount reinvestment unit 1545 is characterized by investing in at least one or more funds (or shares) the amount of interest identified in the savings account.

When the fund (or stock) is operated by a predetermined fund manager according to an exemplary embodiment of the present invention, the interest amount reinvestment unit 1545 is identified in the savings account in association with the fund manager server (not shown). It is desirable to invest interest in funds (or stocks).

According to another exemplary embodiment of the present invention, when the fund (or stock) is operated by the financial institution, the interest amount reinvestment unit 1545, in conjunction with the financial system, uses the fund amount verified in the savings account ( Or stocks).

The savings account manager 1500 records the interest amount reinvestment details of the savings account in the ledger D / B in association with the financial system.

Referring to FIG. 15, the account management server 110 checks the income deduction refund account information in association with the storage medium 1550 to manage a savings account for preparing a predetermined child's education expenses. Income deduction refund confirmation unit (or income deduction refund confirmation means) (1535) for confirming the deposit of the income deduction refund amount in association with the fund (or stock) Invested income deduction refund reinvestment unit (or income deduction refund reinvestment means) 1540, and the savings account operation unit for recording the reinvestment of the income deduction refund amount of the savings account in the ledger D / B in connection with the financial system ( And 1500).

The income deduction refund confirmation unit 1535 confirms the income deduction refund account information in connection with the storage medium 1550, and confirms the deposit of the income deduction refund amount corresponding to the income deduction refund account information in connection with the financial system. Characterized in that.

When the income deduction refund account amount is deposited in the income deduction refund account by the income deduction refund confirmation unit 1535, the income deduction refund reinvestment unit 1540 is connected to the financial system to verify the income deduction refund. It is characterized by investing the account amount in funds (or stocks).

The income deduction refund reinvestment unit 1540 may invest the income deduction refund amount confirmed in the income deduction refund account in at least one fund (or stock).

According to the method of the present invention, when the interest amount and the income deduction refund are simultaneously confirmed by the interest amount confirmation unit 1520 and the income deduction refund confirmation unit 1535, the interest amount reinvestment unit 1545 and the Income deduction refund reinvestment unit 1540 in conjunction with the identified amount of interest and the income deduction refund can be invested in one or more funds (or stocks), by which the present invention is not limited.

When the fund (or stock) is operated by a predetermined fund manager according to an exemplary embodiment of the present invention, the income deduction refund reinvesting unit 1540 is connected to the fund manager server (not shown) to return the income deduction refund account. It is advisable to invest in the deductions for income deductions identified in the fund (or stocks).

When the fund (or stock) is operated in the financial institution according to another embodiment of the present invention, the income deduction refund reinvestment unit 1540 is connected to the financial system income deductions confirmed in the income deduction refund account It is desirable to invest the refund in a fund (or stock).

The savings account manager 1500 records the re-investment of the income deduction refund amount of the savings account in the ledger D / B in association with the financial system.

Referring to Figure 15, the account management server 110, in order to operate a savings account for the provision of a predetermined child education expenses, savings expiration confirmation unit (or savings expiration) to confirm the expiration date in conjunction with the storage medium 1550 Confirmation means) 1525, a savings account checking unit (or savings account checking means) 1505 for confirming savings account information corresponding to the savings account due to be linked with the financial system, and linked with the financial system A reinvestment proceeding settlement unit (or a reinvestment proceeding settlement means) 1530, which calculates a predetermined reinvestment proceeding by adding up the interest amount reinvestment portion and the income deduction amount reinvestment portion of the savings account that have reached maturity, and the actual profits resulting from the reinvestment; A savings account management unit 1500 for repaying the principal of the savings account and the reinvestment proceeds of the savings account to the customer in association with the financial system; It characterized in that it comprises a), the savings account management unit 1500 is characterized in that it further comprises a function for transmitting the repayment details of the principal of the savings account and the reinvestment proceeds of the savings account to the customer terminal (1555) It is done.

The deposit expiration date check unit 1525 checks the expiration date and expiration date of the savings account based on the payment period information included in the fund (or stock) reinvestment deposit information in connection with the storage medium 1550 .

When the expiration date of the savings account is confirmed by the savings maturity checking unit 1525, the savings account checking unit 1505 confirms the savings account information corresponding to the savings account in which the maturity is confirmed in association with the financial system. It is characterized by.

When the savings account information confirming the maturity is confirmed by the savings account verification unit 1505, the reinvestment proceeds settlement unit 1530 is connected with the financial system to re-invest the interest amount of the savings account that has reached the maturity. It is characterized in that the reinvestment proceeds are calculated by summing up the income deducted refund amount and the actual proceeds resulting from the reinvestment.

The savings account manager 1500 may be repaid to the customer by repaying the principal of the savings account and the reinvestment proceeds of the savings account in connection with the financial system.

16 is a view showing a process of repaying the principal and reinvestment proceeds when maturity is due by reinvesting only the amount of interest in the savings account for funding for child education in accordance with the method of the present invention.

In more detail, in FIG. 16, the account management server 110 shown in FIG. 15 reinvests the interest amount of a predetermined savings account in a predetermined fund (or stock) to generate a predetermined reinvestment profit, and the savings account When the expiration date of the shows the method of repaying the principal and the reinvestment proceeds of the savings account.

Those skilled in the art to which the present invention pertains can refer to various embodiments of the present invention by referring to or modifying the drawing of FIG. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 16, the account management server 110 and the storage medium 1550 provided in the financial system are linked to confirm the expiration date of the savings account. It is also possible to omit the association with the financial system or to use only one of the storage medium 1550 of the deposit (or savings) account management server and the DBMS of the financial system, whereby the present invention is not limited thereto.

In addition, there are various implementation methods such as a wired terminal and a wireless terminal as a method of informing the customer after repaying the principal and reinvestment proceeds according to the savings account expiration date in the implementation method shown in FIG. 16. It is not limited.

Hereinafter, in FIG. 16, the account management server 110 shown in FIG. 15 is referred to as ?? server.

Referring to FIG. 16, the server receives predetermined deposit account payment amount information from a predetermined customer terminal 1555. (1600)

If the deposit account payment amount information is received from the server (1605), the server deposits the payment amount in the savings account in connection with the financial system (1610) and records the payment amount details of the savings account in the ledger. Record (1615)

Thereafter, the server checks the interest amount reinvestment approval information on the storage medium 1550 to determine whether the interest amount is reinvested (1620).

If the reinvestment of the interest amount is confirmed at the server (1625), the server checks the interest amount of the savings account in association with the financial system (1630).

According to another exemplary embodiment of the present invention, a method of checking an interest amount of a savings account on the server based on interest rate information and payment amount information in a fund (or stock) reinvestment deposit information in connection with the storage medium 1550 is also provided. However, in order to more clearly the present invention will be omitted for convenience.

If the savings account interest amount is confirmed (1635), the server reinvests the savings account interest amount in a predetermined fund (or stock) in connection with the financial system (1640), and the fund (or stock) Record the reinvestment in the ledger (1645).

Thereafter, the server checks the expiration date of the savings account in association with the storage medium 1550 (1650).

If the expiration date of the savings account is confirmed (1655), the server extracts the interest amount reinvestment portion of the savings account and the actual profits generated by the reinvestment in connection with the financial system (1660).

Thereafter, the server calculates the reinvestment proceeds by summing the interest amount reinvestment of the savings account and the actual proceeds (1665).

Thereafter, the server repays the principal and reinvestment proceeds of the savings account to the customer in connection with the financial system (1670), and the server stores the redemption account repayment details to the customer terminal (1555) (1675).

17 is a diagram illustrating a process of repaying the principal and reinvestment proceeds upon maturity by reinvesting only the deduction of the income deduction of the savings account for preparing the child's education expenses in the fund (or stock) according to the method of the present invention.

In more detail, in FIG. 17, the account management server 110 shown in FIG. 15 generates a predetermined reinvestment profit by reinvesting an income deduction refund amount of a predetermined savings account in a predetermined fund (or stock). When the expiration date of the savings account arrives illustrates a method of repaying the principal and the reinvestment proceeds of the savings account.

Those of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the present invention by inferring or modifying the drawing 17 to infer the expiration date of the account in the account management server 110, but the present invention Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 17, the account management server 110 and the storage medium 1550 provided in the financial system are linked to confirm the expiration date of the savings account. It is also possible to omit the association with the financial system or to use only one of the storage medium 1550 of the deposit (or savings) account management server and the DBMS of the financial system, whereby the present invention is not limited thereto.

In addition, there are various implementation methods such as a wired terminal and a wireless terminal as a method of notifying the customer after repaying the principal and reinvestment proceeds according to the savings account expiration date in the implementation method shown in FIG. 17. It is not limited.

Hereinafter, in FIG. 17, the account management server 110 shown in FIG. 15 is referred to as ?? server.

Referring to FIG. 17, the server receives predetermined deposit account payment amount information from a predetermined customer terminal 1555 (1700).

If the deposit account payment amount information is received from the server (1705), the server deposits the payment amount in the savings account in association with the financial system (1710), and the payment amount details of the savings account are stored in the ledger. (1715)

Thereafter, the server checks the income deduction refund account information in the storage medium 1550 and checks whether the income deduction refund amount is reinvested (1720).

If the reinvestment of the income deduction refund amount is confirmed in the server (1725), the server checks the income deduction refund account information of the savings account in connection with the financial system (1730), and connects with the financial system in the server. The deposit of the income deduction refund amount is confirmed in the identified income deduction refund account. (1735)

If deposit of the income deduction refund amount is confirmed in the income deduction refund account (1740), the server reinvests the income deduction refund amount in the fund (or stock) in connection with the financial system (1745), and the fund (or stock) (1750) records the reinvestment in

Thereafter, the server checks the expiration date of the savings account in association with the storage medium 1550. (1755)

If the expiration date of the savings account is confirmed (1760), the server extracts the reinvestment portion of the income deduction refund amount of the savings account and the actual profit generated from the reinvestment in connection with the financial system (1765).

Thereafter, the server calculates the reinvestment proceeds by summing the reinvestment of the income deduction refund amount of the savings account and the actual proceeds (1770).

Thereafter, the server repays the principal and reinvestment proceeds of the savings account to the customer in connection with the financial system (1775), and the server stores the redemption account repayment details to the customer terminal (1555) (1780).

18 is a diagram illustrating a process of repaying the principal and reinvestment proceeds upon maturity by reinvesting the interest amount and the income deduction refund amount of the savings account for preparing the child's education expenses according to one embodiment of the present invention in the fund (or stock); to be.

More specifically, in FIG. 18, the account management server 110 shown in FIG. 15 generates a predetermined reinvestment profit by reinvesting the interest amount and the income deduction refund amount of a predetermined savings account in a predetermined fund (or stock). When the expiration date of the savings account arrives, a method of repaying the principal and the reinvestment proceeds of the savings account to the customer, or the account management server 110 refunds the income deduction refund amount of the predetermined savings account to a predetermined fund (or stock). Re-investment) to generate a predetermined reinvestment proceeds, and to repay the principal and the reinvestment proceeds of the savings account to the customer when the expiration date of the savings account, the general knowledge in the technical field to which the present invention belongs If you have, various implementations to check the expiration date of the account in the account management server 110 by referring to or modifying this figure 18. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 18, the account management server 110 and the storage medium 1550 provided in the financial system are linked to confirm the expiration date of the savings account. It is also possible to omit the linkage with the financial system or to use at least one DBMS provided in the storage medium 1550 of the deposit (or savings) account management server and the financial system, and the present invention is not limited thereto.

In addition, there are various implementation methods such as a wired terminal and a wireless terminal as a method of informing the customer after repayment of principal and reinvestment proceeds according to the expiration date of the savings account in the implementation method shown in FIG. 18. This is not limited.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, re-invest the interest amount and the income deduction refund amount of the savings account for preparing the child's education expenses in the fund (or stock) to pay the principal and reinvestment proceeds at maturity Since you will be familiar with the technical features for reimbursement, the description thereof will be omitted for convenience.

The server checks the income deduction refund amount in the savings account first and then reinvests it, and then checks the interest amount in the savings account later, and reinvests the interest amount of the savings account first, then reinvests the income deduction refund amount in the savings account. In the case of reinvesting after confirming later, various implementation methods such as the case of reinvesting by confirming both at the same time may be inferred, but the present invention includes all the execution methods inferred above, and the implementation method illustrated in FIG. It is clear that it is not limited to only.

Hereinafter, in this figure 18, the account management server 110 shown in FIG. 15 is referred to as a "server" for convenience.

Referring to FIG. 18, the server receives predetermined deposit account payment amount information from a predetermined customer terminal 1555 (1800).

If the deposit account payment amount information is received from the server (1805), the server deposits a payment amount in the savings account in association with the financial system (1810) and records the payment amount details of the savings account in the ledger. Record: (1815)

Thereafter, the server checks the income deduction refund account information in the storage medium 1550 to determine whether to reinvest the income deduction refund amount.

If the re-investment of the income deduction refund amount is confirmed in the server (1825), the server checks the income deduction refund account information of the savings account in connection with the financial system (1830), and connects with the financial system in the server. The deposit of the income deduction refund amount is confirmed in the identified income deduction refund account. (1835)

If deposit of the income deduction refund amount is confirmed in the income deduction refund account (1840), the server reinvests the income deduction refund amount in the fund (or stock) in connection with the financial system (1845), and the fund (or stock) (1850) records the reinvestment in

Thereafter, the server checks the interest amount reinvestment approval information on the storage medium 1550 to determine whether the interest amount is reinvested (1855).

If the reinvestment of the interest amount is confirmed at the server (1860), the server checks the interest amount of the savings account in association with the financial system (1865).

According to another exemplary embodiment of the present invention, a method of checking an interest amount of a savings account on the server based on interest rate information and payment amount information in a fund (or stock) reinvestment deposit information in connection with the storage medium 1550 is also provided. However, in order to more clearly the present invention will be omitted for convenience.

If the savings account interest amount is confirmed (1870), the server reinvests the savings account interest amount in a predetermined fund (or stock) in connection with the financial system (1875), and the fund (or stock) Record the reinvestment in the ledger (1880).

Thereafter, the server checks the expiration date of the savings account in association with the storage medium 1550. (1883)

If the expiration date of the savings account is confirmed (1886), the server extracts the interest amount reinvestment, the income deduction reinvestment portion, and the actual profits generated by the reinvestment in connection with the financial system (1889).

The server then calculates the reinvestment proceeds by summing the interest amount reinvestment of the savings account, the income deduction reinvestment, and the actual proceeds (1892).

Thereafter, the server repays the principal and reinvestment proceeds of the savings account to the customer in association with the financial system (1895), and the server stores the redemption account repayment details to the customer terminal (1555).

According to the present invention, a customer who has established a regular fund account for the principal guarantee fund for funding the education of his / her children can use interest income and tax refund of the regular savings in stock investment, thereby securing interest profitability comparable to the safety of the regular fund and the fund. There is an advantage.

According to the present invention, a financial institution can generate profits by attracting customers due to the development of new deposit products by providing a principal guarantee fund fund for funding for children's education expenses, and apply various forms of tax refunds as deposits. There are advantages to it.

Claims (1)

Account opening means for opening an income deduction refund account based on the information of the customer deduction and the income deduction refund account for reinvesting the income deduction refund amount of the customer in the fund (or stock); Income deduction refund confirmation means for confirming a refund amount of the income deduction of the customer deposited into the opened income deduction refund account; And Income deduction refund reinvestment system comprising a; reinvestment of income deduction refund reinvestment means for reinvesting the income deduction refund amount in the fund (or stock).

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