KR20090104226A - System and Method Managing Gold Accumulated Goods and Program Recording Medium - Google Patents

Abstract

PURPOSE: A system and a method for managing gold reservation goods and a program recording medium thereof are provided to fix a won to dollar exchange rate even though international gold price increases through a forward exchange agreement, thereby stably operating gold related products. CONSTITUTION: A method for managing gold reservation goods comprises the following steps. A server receives gold sale request information provided from a terminal(2000). The server checks gold reservation production information and forward exchange agreement information corresponding to client information in a storage medium. When forward exchange transaction agreement information corresponding to the client information exists, a gold reservation product about a gold sale request of the client is managed based on the gold reservation production information and forward exchange agreement information.

Description

System and Method Managing Gold Accumulated Goods and Program Recording Medium}

1 is a diagram showing a gold reserve product subscription system for a fixed won currency exchange rate according to an embodiment of the present invention.

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

3 is a database in which a storage medium storing gold credit product subscription application information corresponding to gold credit products subscribed in a face-to-face manner according to another embodiment of the present invention is associated with the ledger D / B provided in a DBMS on a financial system; A diagram showing an implementation method including a.

FIG. 4 illustrates an implementation method including a DBMS provided in a banking server in which a storage medium storing gold reserve product subscription application information corresponding to a gold reserve product subscribed in a face-to-face manner according to another embodiment of the present invention is provided. Drawing.

5A and 5B are diagrams illustrating a gold reserve product subscription process for a won dollar exchange rate fixed transaction in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating a gold reserve product subscription process for a fixed dollar exchange rate transaction in a face-to-face manner according to another embodiment of the present invention.

7A and 7B are diagrams illustrating a gold reserve product subscription process for a fixed won exchange rate exchange rate transaction in a face-to-face manner according to another embodiment of the present invention.

FIG. 8 is a diagram illustrating a non-face-to-face gold reserve product subscription system for a won-dollar exchange rate fixed transaction according to another embodiment of the present invention.

9A and 9B are diagrams illustrating a gold reserve product subscription process for a fixed dollar exchange rate transaction in a non-face-to-face manner according to one embodiment of the present invention.

10A, 10B, and 10C are diagrams illustrating a process of registering a gold reserve product for a fixed won exchange rate exchange transaction according to an embodiment of the present invention.

11 is a diagram illustrating a face-to-face information registration system for a won-dollar exchange rate fixed transaction according to an embodiment of the present invention.

12 is a view showing the configuration of the futures exchange transaction information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the fixed dollar exchange rate transaction according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating the configuration of futures exchange transaction agreement information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a fixed won currency exchange rate according to another embodiment of the present invention.

14 is a view showing the configuration of the futures exchange transaction agreement information stored in the DBMS provided in the banking server in a face-to-face manner for the fixed dollar exchange rate transaction according to another embodiment of the present invention.

15 is a diagram illustrating a process of registering forward exchange transaction agreement information in a face-to-face manner according to an embodiment of the present invention.

16 is a diagram illustrating a non-face-to-face information registration system for a won-dollar exchange rate fixed transaction according to another embodiment of the present invention.

FIG. 17 is a diagram illustrating a process of registering forward exchange transaction agreement information in a non-face-to-face manner for a fixed won currency exchange rate according to one embodiment of the present invention.

18A and 18B are diagrams illustrating a process of registering future exchange transaction agreement information in a non-face-to-face manner for fixing a won exchange rate according to another exemplary embodiment of the present invention.

19 is a view showing a gold reserve product operating system for a fixed dollar currency exchange rate transaction according to an embodiment of the present invention.

20 is a view showing a gold reserve product operation process for the fixed dollar exchange rate trading according to the embodiment of the present invention.

<Description of main parts of drawing>

1900: gold reserve product management server 1905: interface unit

1910: information receiving unit 1915: product management unit

1920: information confirmation unit 1925: information transmission unit

The present invention comprises the steps of storing the new and pre-registered gold reserve product information and the future exchange transaction agreement information in the storage medium in the server, and receiving the gold trading request information provided from the terminal through the network in the server; And confirming, from the storage medium, gold reserve product information and forward exchange transaction agreement information corresponding to the customer information included in the received gold trade request information at the server and corresponding to the customer information (or gold reserve product information). If the forward exchange transaction agreement information exists in the storage medium, the server comprising the operation of the gold reserve product for the customer's gold trading request based on the gold reserve product information and the future exchange transaction agreement information stored in the storage medium in the server It relates to how to operate the earned products.

Recently, interest in gold-related financial instruments, which are determined by yields in conjunction with gold prices, is increasing. To this end, various financial institutions are launching various gold-related financial instruments.

Such gold-related products are greatly affected by international gold prices and won-dollar exchange rates. For example, even if international gold prices rise, the won-dollar exchange rate may cause a loss of gold-related goods.

An object of the present invention for solving the above problems is a storage medium for storing and linking new or pre-registered gold reserve product information and futures exchange transaction agreement information, and gold trading request information including customer information through a network A terminal for transmitting a server to the server and the gold reserve product information and the forward exchange transaction agreement information corresponding to the customer information included in the received gold trade request information from the storage medium and based on the confirmed forward exchange transaction agreement information. The present invention provides a gold reserve product management system including a server for managing gold reserve products.

In accordance with an aspect of the present invention, a method for operating a gold reserve product comprises: storing a new or pre-registered gold reserve product information and a forward exchange transaction agreement information in a storage medium in a server and storing the same in a storage medium; Receiving gold trade request information; checking gold reserve product information and forward exchange transaction agreement information corresponding to the customer information included in the received gold trade request information from the storage medium; and the customer information (or If the forward exchange transaction agreement information corresponding to the gold reserve product information exists in the storage medium, the gold reserve product for the customer's request for gold trading based on the gold reserve product information and the future exchange transaction agreement information stored in the storage medium in the server. Characterized in that it comprises a step of operating.

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

Meanwhile, the gold reserve product operation system according to the present invention includes a storage medium for linking and storing new or pre-registered gold reserve product information and forward exchange transaction agreement information, and a gold trade request including customer information through a network. A terminal for transmitting the information to the server and the gold reserve product information and the forward exchange transaction agreement information corresponding to the customer information included in the received gold trade request information from the storage medium, and based on the confirmed forward exchange transaction agreement information It characterized in that it comprises a server for operating the gold credit product.

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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram showing a gold reserve product subscription system for a fixed dollar currency exchange rate according to an embodiment of the present invention.

In more detail, Figure 1 shows that when a given customer prepares a gold reserve product application application containing at least one piece of predetermined customer information, gold reserve product subscription information, and future exchange transaction agreement information, and submits it to a window provided at a predetermined financial institution, A predetermined financial account for the financial institution to subscribe to the gold reserve product for the won-dollar exchange rate fixed transaction based on the gold reserve product subscription application information corresponding to the gold reserve product application, and to manage the gold reserve product; As a system configuration for establishing the present invention, those of ordinary skill in the art to which the present invention pertains, various implementation methods for configuring the gold reserve product subscription system for fixed dollar exchange rate by referring to or modifying the present Figure 1 It may be inferred that, but the present invention includes all the implementation method inferred, the embodiment shown in Figure 1 It is not limited to the law alone.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 1 and configure a gold reserve product subscription system omitting the implementation method of storing the gold reserve product electronic document in the electronic document storage. In addition, the electronic document storage is provided in the DBMS located in the gold reserve product subscription system in addition to the implementation method shown in FIG. 1 even when the gold reserve product electronic document is stored in the electronic document storage. Although the disclosed method may be inferred, 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 Figure 1, in the implementation method for generating the electronic gold credit product electronic document, the gold credit product electronic document corresponding to the gold credit product application is generated on the server side on the gold credit product subscription system Although the present invention is not limited to this, the present invention is not limited thereto, and the gold reserve product electronic document may be generated at a terminal that acquires image content corresponding to the gold reserve product application through a predetermined image acquisition device. (E.g., the electronic document generation function provided on the server side is provided on the terminal side to generate the gold credit product electronic document), and the present invention is not limited thereto.

Hereinafter, the customer may subscribe to the gold reserve product in response to the gold reserve product application and gold reserve product subscription application information prepared by the customer through a predetermined financial product subscription interface shown in FIG. 1. In addition, at least one means or a component corresponding to a functional configuration for generating a predetermined gold reserve product electronic document and storing it in a predetermined electronic document storage is referred to as the "gold reserve product server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the gold reserve product subscription system for the fixed dollar exchange rate exchange, the terminal device including a window terminal provided in at least one branch (or branch) of the financial institution The terminal device is connected to the gold reserve product server 100 provided on the gold reserve product subscription system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for the fixed dollar exchange rate exchange transaction, and through a window (or a teller) provided at the financial institution branch branch (branch branch). ) Fill out a request for a gold reserve product for the fixed dollar exchange rate transaction (e.g., a document with a form for filling in at least one item of information for the fixed dollar rate exchange rate transaction) It is preferable to seal the customer's seal for legal reasons on the gold reserve product application.

Subsequently, when the customer submits the completed gold reserve product application to the teller, the teller scans the gold reserve product application through a predetermined image acquisition device to obtain a predetermined image content, and a predetermined teller terminal Enter the gold reserve product subscription information including at least one of the image content obtained in response to the gold reserve product application and the customer information, gold reserve product subscription information, and future exchange transaction agreement information written in the gold reserve product application ( Or)), and the counter terminal transmits the image content and the gold reserve product subscription application information to the gold reserve product server 100 provided on the gold reserve product subscription system through the financial network. Do.

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

In the gold reserve product subscription system as described above, an image acquisition device for acquiring image content corresponding to the gold reserve product application prepared by the customer, a window terminal used by the employee, the window terminal and the gold reserve product server ( The financial network connecting 100 performs a function of a financial product subscription interface for registering the gold reserve product subscription application information for the customer to fix the won dollar exchange rate.

The storage medium 155 provided on the gold reserve product subscription system according to the present invention includes the customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information provided from the terminal device. And at least one financial product operation information and financial account information.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

The gold reserve product subscription information preferably includes at least one subscription period information, initial reserve amount information, interest rate information, terms and conditions, subscription agreement information.

The futures exchange transaction agreement information preferably includes at least one of futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information.

The financial product operation information is a general term for information for managing and operating the gold reserve product through a predetermined financial account which the customer wants to subscribe to through the gold reserve product subscription application information. It is preferable to be carried out in various modifications according to.

According to an embodiment of the present invention, if the gold reserve product is at least one deposit / stored product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / stored product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

According to one embodiment of the present invention, if the at least one deposit / saving product, the financial account information is a financial account for managing the deposit / saving corresponding to the financial product operation information, the financial account is the deposit / saving amount Deposited, the account attribute preferably comprises the deposit / storage attribute.

According to an embodiment of the present invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the gold reserve product subscription system (or associated with the gold reserve product subscription system). At this time, the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) the gold reserve product subscription 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 gold reserve product server 100 provided on the gold reserve product subscription system according to the present invention is a generic term for the gold reserve product subscription system-side components connected to the terminal device through a predetermined financial network, 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 is a window terminal connected to a predetermined financial network, the gold reserve product server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

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

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

Referring to FIG. 1, when the predetermined terminal device connects a predetermined communication channel with the gold reserve product server 100 through the interface unit 105, the gold reserve product server 100 exchanges the won dollar exchange rate. Acquire image contents corresponding to the gold reserve product application prepared by the customer through a predetermined image acquisition device provided in the terminal device for fixed transaction, and input the gold reserve product subscription application information corresponding to the gold reserve product application. Generate (or extract) at least one user interface to transmit (or select) to the gold reserve product server 100, and generate the generated (or extracted) user interface in association with the interface unit 105. The interface providing unit 110 provided to the terminal device, and corresponding to the financial lip product application through the user interface in the terminal device An information receiving unit 115 which receives (or selects) gold-bearing product subscription request information and receives the gold-bearing product subscription request information transmitted from the terminal device in connection with the interface unit 105; When the device acquires and transmits the image content corresponding to the gold credit product application prepared by the customer through a predetermined image acquisition device based on the user interface, the device corresponds to the gold credit product application in cooperation with the interface unit 105. And an image receiving unit 120 for receiving the image content.

The interface provider 110 connects a predetermined communication channel with the gold credit product server 100 through the interface unit 105, and then the won dollar to the gold credit server 100. When requesting a user interface for a currency exchange rate fixed transaction, an image content corresponding to a gold credit product application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device, and gold corresponding to the gold credit product application is obtained. Generate (or select) at least one user interface for inputting (or selecting) accumulated product subscription application information to the gold reserve product server 100 through the financial network, or extracting from a predetermined database (not shown), Providing the generated (or extracted) user interface in cooperation with the interface unit 105 to the terminal device through the financial network Characterized in that.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the gold credit product application written by the customer through a predetermined image acquisition device, and the gold credit product subscription application information corresponding to the gold credit product application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the gold reserve product server 100 through the financial network, the predetermined image obtaining apparatus as described above. Obtain image content corresponding to the gold reserve product application prepared by the customer through, input (or select) the gold reserve product subscription application information corresponding to the gold reserve product application to transmit to the gold reserve product server 100 Interface to generate (or extract) the user interface to provide to the terminal device Section 110 and the mubang be omitted, to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) the gold reserve product subscription application information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information through the user interface. ), The gold reserve product subscription application information is transmitted to the gold reserve product server 100 through the financial network. In response, the information receiving unit 115 transmits from the terminal device in association with the interface unit 105. Characterized in that for receiving the gold reserve product subscription application information.

In addition, the terminal device obtains the image content corresponding to the gold reserve product application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image contents corresponding to the gold credit product application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the gold credit product application prepared by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. In the case of pre-stored in the storage device, the terminal device selects the image content corresponding to the gold credit product application created by the customer from the at least one or more image content stored in the storage device through the user interface through the financial network The gold receiving product server 100 is transmitted, and in response thereto, the image receiving unit 120 preferably receives image contents corresponding to the gold storing product application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device transmits the image content corresponding to the gold credit product application written by the customer and the gold credit product subscription application information corresponding to the gold credit product application through the user interface. In this case, the information receiver 115 may receive image content corresponding to the gold credit product application and gold credit product subscription application information in association with the interface unit 105 (for example, the image receiver 120). ) Is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the gold reserve product subscription request information transmitted from the terminal device is received through the information receiver 115, the gold reserve product subscription request information is received. Characterized in that it comprises a validity check unit 125 to determine whether the validity for the won dollar exchange rate fixed transaction.

According to an embodiment of the present invention, the validity check of the gold reserve product subscription application information is at least one or more matching with the gold reserve product subscription application information in the ledger D / B on the financial system associated with the gold reserve product subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification of the gold reserve product subscription request information includes the customer information (customer personal information, member information, etc.) of the information included in the gold reserve product subscription request information associated with the gold reserve product subscription system. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the gold reserve product subscription application information includes the validation of the futures exchange transaction agreement information, among the information included in the gold reserve product subscription application information, for example, included in the future exchange transaction agreement information It is preferable to include at least one or more of confirming that the futures exchange contract amount information does not exceed the dollar conversion amount of the accumulated gold.

Referring to FIG. 1, the gold reserve product server 100 receives the image content transmitted from the terminal device through the image receiver 120, and subscribes to the gold reserve product through the validity checker 125. If the validity of the application information is authenticated, the electronic document generation unit 130 for generating a predetermined gold credit product electronic document including the received image content and the gold credit product electronic document join the generated gold credit product electronic document And an electronic document transmission unit 135 for transmitting to the electronic document repository associated with the system.

The electronic document generation unit 130 may generate a gold credit product electronic document including the image content received from the terminal device through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 stores the image file including the image content received from the terminal device through the image receiving unit 120 for the won dollar exchange rate fixing transaction. It is advisable to treat it as an electronic document.

Alternatively, the electronic document generation unit 130 includes customer information included in the gold reserve product subscription request information received through the information receiving unit 115 to the image content received from the terminal device through the image receiving unit 120. Generating a gold reserve product electronic document for the won-dollar exchange rate fixing image file corresponding to an image content including at least one of gold reserve product subscription information and futures exchange transaction agreement information by watermarking; It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 120. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate gold credit electronic documents.

Alternatively, the electronic document generation unit 130 includes customer information included in the gold reserve product subscription request information received through the information receiving unit 115 to the image content received from the terminal device through the image receiving unit 120. And generating image content including at least one or more of the gold reserve product subscription information and the futures exchange agreement information by a watermarking method, and including a predetermined document file (eg, PDF ( The fixed dollar exchange rate transaction by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a gold reserve product electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content received from the terminal device through the image receiving unit 120 and the gold deposit received through the information receiving unit 115. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the product subscription request information, or an MHT By generating a web document file, etc.), it is desirable to generate a gold reserve product electronic document for the won dollar exchange rate fixed transaction.

Alternatively, the electronic document generation unit 130 includes customer information included in the gold reserve product subscription request information received through the information receiving unit 115 to the image content received from the terminal device through the image receiving unit 120. Generating image content including at least one or more information of gold reserve product subscription information and futures exchange transaction agreement information by watermarking, and including the generated image content and the gold reserve product subscription application information. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a gold reserve product electronic document for the fixed dollar exchange rate.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generating unit 130 generates a gold credit product electronic document of the image file format or a predetermined document file format, and the gold credit product 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 transmission unit 135 transmits and stores the gold credit product electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the gold credit product subscription system. do.

As shown in FIG. 1, the electronic document repository is connected to the gold reserve product server 100 on the gold reserve product subscription system and a predetermined electronic document server 160 and the electronic document D / B linked through a predetermined communication means. When provided to the outside, including, the electronic document transmission unit 135 to the electronic document server 160 through the communication means for the gold credit product electronic document generated by the electronic document generation unit 130 Characterized in that the transmission.

Here, when the electronic document server 160 and the electronic document D / B is provided outside the gold credit product subscription system, the electronic document server 160 and the electronic document D / B is managed by an authorized institution It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gold reserve product subscription system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the electronic gold goods electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the gold credit product subscription system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 stores electronic document-related information (for example, gold credit corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 160. Sending information to the electronic document repository further including customer information on which a product application form has been made, financial institution information transmitting the gold goods product electronic document, or electronic document file format information, or the gold fund product subscription application information. It is possible, and the invention is not limited thereby.

Referring to FIG. 1, the gold reserve product server 100 validates that the gold reserve product subscription application information received through the information receiving unit 115 is valid for the won-dollar exchange rate fixing transaction through the validity checking unit 125. When the authentication is successful, the predetermined financial product operation information corresponding to the gold reserve product is generated based on the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information included in the gold reserve product subscription application information that has been validated. A financial account under the customer's name including the financial product operation information based on the information generation unit 140 and the customer information included in the gold reserve product subscription application information, the gold reserve product subscription information, and the future exchange transaction agreement information. It characterized in that it comprises a financial account processing unit 145 to open the processing.

When the validity of the gold reserve product subscription application information is confirmed by the validity confirmation unit 125, the information generation unit 140 includes customer information included in the gold reserve product subscription application information, gold reserve product subscription information, Based on the forward exchange transaction agreement information, the predetermined financial product operation information corresponding to the gold reserve product is generated.

According to an embodiment of the present invention, if the gold reserve product is at least one deposit / stored product, the information generating unit 140 includes customer information included in the gold reserve product subscription information, gold reserve product subscription information, and futures exchange. Based on the transaction agreement information, deposit information (or savings information) corresponding to the gold reserve product (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc. It is desirable to create a deposit (or deposit) attribute, etc.).

The financial account processing unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the dollar amount corresponding to the gold reserve product subscription application information It is characterized by opening a predetermined financial account for the exchange rate fixed transaction.

According to an embodiment of the present invention, when the gold reserve product server 100 and the financial system exist in the same system, the financial account processing unit 145 is linked to the financial system in the ledger D / B. It is desirable to create a predetermined ledger containing operational information.

According to another exemplary embodiment of the present invention, when the gold reserve product server 100 and the financial system exist on another system connected through a predetermined communication means, the financial account processing unit 145 uses a predetermined communication means. It is preferable to request a ledger D / B on the other financial system to generate a predetermined ledger including the financial product operation information through an external system on the financial system.

Referring to FIG. 1, the gold reserve product server 100 validates that the gold reserve product subscription application information received through the information receiving unit 115 is valid for the won-dollar exchange rate fixing transaction through the validity checking unit 125. If the authentication is successful, the customer information included in the gold reserve product subscription application information is validated, the gold reserve product subscription information, futures exchange transaction agreement information and the financial product operation information generated by the information generation unit 140 and And an information storage unit 150 for storing the financial account information generated by the financial account processing unit 145 in a predetermined storage medium 155.

When the validity of the gold reserve product subscription application information is confirmed by the validity confirmation unit 125, the information storage unit 150 includes the customer information and gold reserve product subscription information included in the gold reserve product subscription application information. Characterized in that for storing the futures exchange transaction agreement information in the storage medium (155).

In addition, when the financial product operation information generated by the information generation unit 140 is generated, the information storage unit 150 further includes the generated financial product operation information and stores it in the storage medium 155. It is desirable to.

In addition, when the financial account including the financial product operation information is opened in the ledger D / B on the financial system, the information storage unit 150 further includes the opened financial account information. It is preferable to store in.

According to an embodiment of the present invention, when the storage medium 155 is provided in the gold reserve product server 100 or on a network associated with the gold reserve product server 100, the information storage unit ( 150 stores the customer information, the gold reserve product subscription information, the future exchange transaction agreement information, the financial product operation information, and the financial account information included in the received gold reserve product subscription application information in the storage medium 155. desirable.

According to another exemplary embodiment of the present invention, when the storage medium 155 is provided in a DBMS provided on a financial system, the information storage unit 150 includes the customer included in the received gold reserve product subscription application information. It is preferable to provide information, gold reserve product subscription information, futures exchange transaction agreement information, the financial product operation information and financial account information as an information system through an external system on the financial system and store it in a DBMS provided on the financial system.

Referring to FIG. 1, an electronic document server receives a predetermined gold reserve product electronic document from the gold reserve product server 100 provided on the gold reserve product subscription system and stores and manages the electronic document D / B in a predetermined electronic document D / B. An electronic document receiving unit 165 for receiving a predetermined gold reserve product electronic document from the gold reserve product server 100 through a predetermined communication means, and the received gold reserve product electronic document An information generation unit 170 for generating predetermined electronic document management information for storage and management in a D / B, and the electronic document D / B by interworking the previous advisory management information and the gold reserve product electronic document. And an electronic document storage unit 175 to be stored in the storage device.

The electronic document receiving unit 165 may receive the gold-bearing product electronic document in the form of an image file or a document file from the gold-bearing product server 100 through the communication means.

According to an embodiment of the present invention, the gold goods product electronic document received by the electronic document receiving unit 165 through the communication means includes the image content received by the gold goods product server 100 from the terminal device. It is preferable to include an image file as it is.

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 165 through the communication means is included in the gold reserve product subscription request information on the image content received by the gold reserve product server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more of the included customer information, gold reserve product subscription information, futures exchange transaction agreement information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the gold goods product electronic document received by the electronic document receiving unit 165 through the communication means includes the image content received by the gold goods product server 100 from the terminal device. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 165 through the communication means is included in the gold reserve product subscription application information in the image content received by the gold reserve product server 100 from the terminal device. A predetermined document file (for example, a Portable Document Format (PDF) file) including image content including at least one or more of customer information, gold reserve product subscription information, and future exchange transaction agreement information by watermarking; or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the gold credit product electronic document received by the electronic document receiving unit 165 through the communication means and the image content received by the gold credit product server 100 from the terminal device; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one predetermined document file including the gold credit product subscription request information; Or a web document file including the MHT).

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 165 through the communication means is included in the gold reserve product subscription application information in the image content received by the gold reserve product server 100 from the terminal device. Image content including at least one or more of the registered customer information, gold reserve product subscription information, and future exchange transaction agreement information by watermarking, and a predetermined document file including the gold reserve product subscription application information (eg, PDF). (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the gold credit product electronic document received through the electronic document receiving unit 165, and through the electronic document receiving unit 165 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the credited electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the gold reserve product server 100 that transmitted the gold reserve product electronic document received through the electronic document receiving unit 165, and the gold reserve product. It is preferable to identify the financial institution that has sent the commodity electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the gold reserve product server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received information. Electronic document related information (e.g., customer information for preparing a gold reserve product application corresponding to the image content, financial institution information for transmitting the gold reserve product electronic document, electronic document file format information, or subscription to the gold reserve product It is preferable to generate the electronic document management information further including the application information).

The electronic document storage unit 175 associates the gold reserve product electronic document received through the electronic document receiving unit 165 with electronic document management information generated by the information generating unit 170 to process a predetermined electronic document D. It stores in / B.

According to an exemplary embodiment of the present invention, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 175 may include image content received by the gold reserve product server 100 from the terminal device. It is preferable that the image file including the same as it is made.

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 175 subscribes to the gold reserve product to the image content received by the gold reserve product server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, gold reserve product subscription information, futures exchange transaction agreement information included in the application information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 175 is an image received by the gold reserve product server 100 from the terminal device. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 175 may request the gold reserve product subscription to the image content received by the gold reserve product server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF)) containing image content including at least one or more of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the information by a watermarking method. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the gold credit product electronic document stored in the electronic document D / B by the electronic document storage unit 175 is received by the gold credit product server 100 from the terminal device. A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) including image content and the gold credit product subscription request information. File, or a web document file including MHT).

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 175 may request the gold reserve product subscription to the image content received by the gold reserve product server 100 from the terminal device. Image content including at least one or more of the customer information included in the information, gold reserve product subscription information, futures exchange transaction agreement information by watermarking method and a predetermined document file including the gold reserve product subscription application information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. desirable.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 175 in association with the gold reserve product electronic document is allocated to the gold reserve product electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 175 in association with the gold reserve product electronic document stores the gold reserve product electronic document. It is preferable that the financial institution further includes information on the financial institution that transmitted the credited goods electronic document identified with reference to the transferred gold earned goods server 100.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the gold reserve product server 100, the electronic document storage unit 175 processes the electronic document storage in association with the gold reserve product electronic document. The electronic document management information stored in the electronic document D / B may be configured to transmit the received electronic document related information (for example, customer information in which an application for gold accumulation product corresponding to the image content is transmitted, or the gold accumulation product electronic document). Financial institution information, electronic document file format information, or the like.

2 is a diagram illustrating an implementation method in which a storage medium 155 for storing gold subscription product subscription application information corresponding to gold credit products subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention. to be.

In more detail, FIG. 2 is provided in the ledger D / B when the storage medium 155 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system or the ledger D / B. The information structure for an implementation method of storing the gold reserve product subscription application information in the ledger information, which is a person having ordinary knowledge in the technical field to which the present invention pertains, is referred to or modified with reference to FIG. It would be possible to infer various information construction methods for storing the gold reserve product subscription application information in the ledger D / B, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in Figure 2 No.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and the gold shown in Figure 1 The account ledger corresponding to the financial products subscribed through the earned product subscription system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the financial system maintains at least one ledger (eg, a ledger, loan ledger, mortgage ledger, etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. And at least one additional information for management. Since there, a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the ledger, amount of trust, 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.

According to an exemplary embodiment of the present invention, the storage medium 155 is the ledger D / B, or includes the implementation method provided in the ledger D / B. Additional information form in which the customer information included in the gold reserve product subscription application information provided through the reserve product subscription system, the gold reserve product subscription information, the future exchange transaction agreement information, the financial product operation information and the financial account information are added to the account ledger. It is characterized by being stored as.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

The gold reserve product subscription information preferably includes at least one subscription period information, initial reserve amount information, interest rate information, terms and conditions information, consent to subscription information.

The futures exchange transaction agreement information preferably includes at least one of futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information.

It is preferable.

The financial product operation information may include deposit information (or deposit information) corresponding to the deposit / stored product (for example, an account number corresponding to a predetermined deposit / store) when the gold reserve product is at least one deposit / stored product. It is preferable to include a deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / deposit, and the subscription period.

According to another exemplary embodiment of the present invention, the gold reserve product subscription application information is stored in the form of information included in the account ledger (not shown), or added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form of additional information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

3 is a ledger D / B having a storage medium 155 for storing a gold reserve product subscription application information corresponding to a gold reserve product subscribed in a face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including an associated database.

In more detail, FIG. 3 shows an information structure for a method of execution in which the storage medium 155 shown in FIG. 1 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As one of ordinary skill in the art to which the present invention pertains, various examples of referring to or modifying the drawing 3 and storing the gold credit product subscription application information in a predetermined database in association with the ledger D / B are stored. Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the gold reserve product subscription application information in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B is not easy to change, or the system is not easy to expand due to the nature of the financial system), in place of the ledger D / B, the gold credit product subscription application information is stored in a predetermined database, the database and the The implementation method of linking and storing ledger D / B is shown.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, 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 embodiment of the present invention, referring to FIG. 3, the storage medium 155 includes a database associated with the ledger D / B provided in the DBMS on the financial system. And storing at least one of the customer information, the gold reserve product subscription information, the future exchange transaction agreement information, and the financial product operation information and the financial account information included in the information, and are processed in association with the ledger D / B. For this purpose, it is preferable to further include a CIF number corresponding to the ledger information.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

The gold reserve product subscription information preferably includes at least one subscription period information, initial reserve amount information, interest rate information, terms and conditions information, consent to subscription information.

The futures exchange transaction agreement information preferably includes at least one of futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information.

The financial product operation information may include deposit information (or deposit information) corresponding to the deposit / stored product (for example, an account number corresponding to a predetermined deposit / store) when the gold reserve product is at least one deposit / stored product. It is preferable to include a deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / deposit, and the subscription period.

Figure 4 is an implementation method comprising a DBMS having a storage medium 155 provided in the banking server for storing the gold credit product subscription application information corresponding to the gold credit products subscribed in a face-to-face according to another embodiment of the present invention Figure is a diagram.

In more detail, FIG. 4 shows a DBMS in which a storage medium 155 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, gold reserves stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 4 It is possible to infer a method of constructing information on the product subscription application 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, referring to FIG. 4, wherein the storage medium 155 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server applies for the gold reserve product subscription. And at least one of the customer information, the gold reserve product subscription information, the future exchange transaction agreement information, and the financial product operation information and the financial account information included in the information.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

The gold reserve product subscription information preferably includes at least one subscription period information, initial reserve amount information, interest rate information, terms and conditions information, consent to subscription information.

The futures exchange transaction agreement information preferably includes at least one of futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information.

The financial product operation information may include deposit information (or deposit information) corresponding to the deposit / stored product (for example, an account number corresponding to a predetermined deposit / store) when the gold reserve product is at least one deposit / stored product. It is preferable to include a deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / deposit, and the subscription period.

5A and 5B are diagrams illustrating a process of signing up a gold reserve product for a fixed won exchange rate exchange rate in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 5A and 5B are window terminals in which a terminal device on the gold reserve product subscription system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the gold reserve server 100 In the case of having a ledger server (not shown in the city) function in the financial system linked to the counter terminal through the financial network, the customer information and the gold reserve product in order for a given customer to join the gold reserve product for fixed exchange rate When a financial reserve product application including at least one subscription information and a futures exchange transaction information is prepared and submitted, the financial institution subscribes to the gold reserve product in a face-to-face manner based on the gold reserve product application. Specifically, when the customer fills out the application for the gold credit product and submits it to the counter, the counter terminal acquires a predetermined image acquisition site. After obtaining the predetermined image content corresponding to the gold reserve product application through the value, and transmits to the gold reserve product server 100, input the gold reserve product subscription application information corresponding to the gold reserve product application (or select) When transmitting to the gold reserve product server 100, the gold reserve product server 100 receives the gold reserve product subscription information including at least one of the customer information, gold reserve product subscription information, futures exchange transaction agreement information On the basis of this is shown an implementation method for processing the subscription to the gold reserve product.

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

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the gold reserve product application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

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

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the gold reserve product server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer completes and submits a gold reserve product application form including at least one of customer information, gold reserve product subscription information, and futures exchange transaction agreement information for a fixed won exchange rate exchange rate, The teller terminal shown in FIG. 1 requests a user interface for a fixed won exchange rate exchange transaction corresponding to the gold reserve product application while accessing the server through a predetermined financial network and connecting a predetermined communication channel (500). Correspondingly, the server generates (or extracts) a user interface for acquiring the predetermined image content corresponding to the gold credit product application prepared by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server. In operation 505, the generated (or extracted) user interface is transmitted to the terminal through the financial network. The 510.

Thereafter, the terminal acquires image content corresponding to the gold credit product application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the gold credit product application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) gold reserve product subscription request information including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information corresponding to the gold reserve product application matching the image content. A user interface for transmitting to the server is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) gold reserve product subscription application information including at least one of the customer information, gold reserve product subscription information, and future exchange transaction agreement information through the user interface (540).

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

Subsequently, the server receives and reads the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information through the financial network. Validation is checked (555).

According to an embodiment of the present invention, the validity check of the gold reserve product subscription application information is at least one or more matching with the gold reserve product subscription application information in the ledger D / B on the financial system associated with the gold reserve product subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification of the gold reserve product subscription request information includes the customer information (customer personal information, member information, etc.) of the information included in the gold reserve product subscription request information associated with the gold reserve product subscription system. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the gold reserve product subscription application information includes the validation of the futures exchange transaction agreement information, among the information included in the gold reserve product subscription application information, for example, included in the future exchange transaction agreement information It is preferable to include at least one or more of confirming that the futures exchange contract amount information does not exceed the dollar conversion amount of the accumulated gold.

If the validity of the gold reserve product subscription application information is not authenticated (560), the server generates predetermined financial product error information and transmits it to the terminal (565), corresponding to the gold reserve product subscription application information Do not enter the gold reserve product.

On the other hand, if the validity of the gold credit product subscription application information is authenticated (560), the server generates a predetermined gold credit product electronic document containing the image content (570).

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a gold reserve product electronic document for the fixed dollar exchange rate exchange transaction.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. It is preferable to generate an electronic document for the gold reserve product for the won-dollar exchange rate fixed transaction of the image file corresponding to the image content including a) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a gold reserve product electronic document for the fixed dollar exchange rate transactions.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. Generate an image content including the image content, and at least a predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content. By generating one or more word processor files, or web document files including MHT), it is preferable to generate a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received gold credit product subscription request information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the generated image content and the generated image content and the gold credit product subscription request information. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

Those skilled in the art to which the present invention pertains can include technical features that the server generates the electronic goods electronic document in an image file format or a predetermined document file format, and an image corresponding to the gold electronic goods 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 gold goods product electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository is provided externally including a predetermined electronic document server 160 and an electronic document D / B associated with a server on the gold reserve product subscription system through predetermined communication means. In this case, it is preferable that the server transmits the generated gold accumulation product electronic document to the electronic document server 160 through the communication means and stores the electronic document server 160 in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the gold reserve product subscription system, the server stores the generated gold reserve product electronic document on the DBMS provided in the gold reserve product subscription system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

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

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

The electronic document management information may further include information on a financial institution that has transmitted the gold reserve product electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a gold reserve product application corresponding to the image content is prepared, or financial institution information for transmitting the gold reserve product electronic document, or an electronic document file). Format information, or the gold reserve product subscription application information).

If the gold reserve product electronic document is stored in the electronic document storage (580), the server is based on the customer information, gold reserve product subscription information, future exchange transaction agreement information contained in the gold reserve product subscription application information The predetermined financial product operation information corresponding to the accumulated product is generated (585).

If the gold reserve product is at least one fund-related product according to an embodiment of the present invention, the server is based on the customer information included in the gold reserve product subscription information, gold reserve product subscription information, forward exchange transaction agreement information It is preferable to generate beneficiary certificate information corresponding to the gold reserve product (eg, a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period corresponding to the fund).

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

Thereafter, the server is linked to the financial system to include the financial product operation information based on the customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information. Open and process a financial account (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gold reserve product subscription request information. It is characterized in that the opening processing of a predetermined financial account for the fixed dollar exchange rate.

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

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 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server may include the customer information included in the gold reserve product subscription application information, the gold reserve product subscription information, the futures exchange transaction agreement information, and the financial product operation information and the financial account generated by the information generator 140. The financial account information generated by the processor 145 is stored in a predetermined storage medium 155 (595).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer included in the received gold reserve product subscription request information. It is preferable to store the information, gold reserve product subscription information, futures exchange transaction agreement information, the financial product operation information and financial account information in the storage medium 155.

According to another embodiment of the present invention, when the storage medium 155 is provided in the DBMS provided on the financial system, the server includes the customer information and the gold reserve product included in the received gold reserve product subscription application information. It is preferable to provide the subscription information, the futures exchange transaction information, the financial product operation information and the financial account information to the information system through the external system on the financial system and store the information in the DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration details (for example, details of opening a financial account corresponding to the gold reserve product, or storing the gold reserve product electronic document in the electronic document repository, or the storage medium). In step 155, the stored details of the gold reserve product subscription application information) are generated (or extracted) and transmitted to the terminal (599).

According to an embodiment of the present invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the gold reserve product subscription system (or associated with the gold reserve product subscription system). At this time, the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) the gold reserve product subscription 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.

6A and 6B are diagrams illustrating a process of signing up a gold reserve product for a fixed dollar exchange rate transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device on the gold reserve product subscription system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the gold reserve server 100 In the case of having a ledger server (not shown in the city) function in the financial system linked to the counter terminal through the financial network, the customer information and the gold reserve product in order for a given customer to join the gold reserve product for fixed exchange rate When a financial reserve product application including at least one subscription information and a futures exchange transaction information is prepared and submitted, the financial institution subscribes to the gold reserve product in a face-to-face manner based on the gold reserve product application. Specifically, when the customer completes the application for the gold reserve product and submits it to the window, the new window for the gold accumulation product at the window terminal After inputting (or selecting) the gold reserve product subscription request information corresponding to the document and transmitting it to the gold reserve product server 100, a predetermined image content corresponding to the gold reserve product application is obtained through a predetermined image acquisition device. Obtaining and transmitting to the gold reserve product server 100, the gold reserve product subscription information including at least one or more of the customer information, gold reserve product subscription information, futures exchange transaction agreement information in the gold reserve product server 100 It shows an implementation method of processing the subscription to the gold credit product based on.

Those skilled in the art to which the present invention pertains, refer to or modify the figures 6a and 6b to register various information to register the gold reserve product subscription information to the gold reserve product server 100 in the window terminal Although the implementation method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, although the implementation method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the gold reserve product application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

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

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the gold credit product server 100 shown in Figure 1 is referred to as "server" for convenience, and the window terminal In the gold reserve product server 100, the customer information, gold reserve product subscription information, futures exchange transaction agreement information is referred to as "gold reserve product subscription application information" for convenience.

Referring to Figures 6a and 6b, if a predetermined customer fills out and submits a gold reserve product application form including at least one of customer information, gold reserve product subscription information, and futures exchange transaction agreement information for a fixed won exchange rate exchange rate, The teller terminal shown in FIG. 1 requests a user interface for a fixed won exchange rate exchange transaction corresponding to the gold reserve product application while accessing the server through a predetermined financial network and connecting a predetermined communication channel (600). In response thereto, the server inputs (or selects) gold reserve product subscription request information including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information corresponding to the gold reserve product application prepared by the customer. Generating (or extracting) a user interface for transmission to the server (605), and generating (or extracting) through the financial network In operation 610, the user interface is transmitted to the terminal.

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

If the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information is input (or selected) through the user interface (620), the terminal establishes the financial network. The input (or selected) gold credit product subscription application information is transmitted to the server (625).

Subsequently, the server receives and reads the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information through the financial network. Validation is checked (630).

According to an embodiment of the present invention, the validity check of the gold reserve product subscription application information is at least one or more matching with the gold reserve product subscription application information in the ledger D / B on the financial system associated with the gold reserve product subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification of the gold reserve product subscription request information includes the customer information (customer personal information, member information, etc.) of the information included in the gold reserve product subscription request information associated with the gold reserve product subscription system. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the gold reserve product subscription application information includes the validation of the futures exchange transaction agreement information, among the information included in the gold reserve product subscription application information, for example, included in the future exchange transaction agreement information It is preferable to include at least one or more of confirming that the futures exchange contract amount information does not exceed the dollar conversion amount of the accumulated gold.

If the validity of the gold reserve product subscription request information is not authenticated (635), the server generates predetermined financial product error information and transmits it to the terminal (640), corresponding to the gold reserve product subscription application information. Do not enter the gold reserve product.

On the other hand, if the validity of the gold credit product subscription application information is authenticated (635), the server obtains the predetermined image content corresponding to the gold credit product application prepared by the customer through a predetermined image acquisition device in the terminal and the A user interface for transmitting to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the gold credit product application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the gold credit product application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

In operation 670, the server receiving the gold credit product subscription request information and the image content from the terminal generates a predetermined gold credit product electronic document including the image content.

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a gold reserve product electronic document for the fixed dollar exchange rate exchange transaction.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. It is preferable to generate an electronic document for the gold reserve product for the won-dollar exchange rate fixed transaction of the image file corresponding to the image content including a) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a gold reserve product electronic document for the fixed dollar exchange rate transactions.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. Generate an image content including the image content, and at least a predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content. By generating one or more word processor files, or web document files including MHT, etc., it is preferable to generate a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received gold credit product subscription request information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the generated image content and the generated image content and the gold credit product subscription request information. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

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

Thereafter, the server stores the generated gold accumulation product electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository is provided externally including a predetermined electronic document server 160 and an electronic document D / B associated with a server on the gold reserve product subscription system through predetermined communication means. In this case, it is preferable that the server transmits the generated gold accumulation product electronic document to the electronic document server 160 through the communication means and stores the electronic document server 160 in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the gold reserve product subscription system, the server stores the generated gold reserve product electronic document on the DBMS provided in the gold reserve product subscription system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

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

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

The electronic document management information may further include information on a financial institution that has transmitted the gold reserve product electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a gold reserve product application corresponding to the image content is prepared, or financial institution information for transmitting the gold reserve product electronic document, or an electronic document file). Format information, or the gold reserve product subscription application information).

If the gold reserve product electronic document is stored in the electronic document storage (680), the server is based on the customer information included in the gold reserve product subscription information, gold reserve product subscription information, futures exchange transaction information The predetermined financial product operation information corresponding to the accumulated product is generated (685).

If the gold reserve product is at least one deposit / deposit product according to an embodiment of the present invention, the server is based on the customer information contained in the gold reserve product subscription information, gold reserve product subscription information, forward exchange transaction agreement information Deposit information (or deposit information) corresponding to the gold reserve product (e.g., an account number corresponding to a predetermined deposit / storage, an interest (or interest rate) corresponding to the deposit / storage), and a period including a subscription period (or It is desirable to create a red gold property).

Thereafter, the server is linked to the financial system to include the financial product operation information based on the customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information. Open and process a financial account (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gold reserve product subscription request information. It is characterized in that the opening processing of a predetermined financial account for the fixed dollar exchange rate.

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

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 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server may include the customer information included in the gold reserve product subscription application information, the gold reserve product subscription information, the futures exchange transaction agreement information, and the financial product operation information and the financial account generated by the information generator 140. The financial account information generated by the processor 145 is stored in the predetermined storage medium 155 (695).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer included in the received gold credit product subscription request information. Preferably, the storage medium 155 stores information, gold reserve product subscription information, futures exchange transaction agreement information, and the financial product operation information and financial account information.

According to another embodiment of the present invention, when the storage medium 155 is provided in the DBMS provided on the financial system, the server includes the customer information and the gold reserve product included in the received gold reserve product subscription application information. It is preferable to provide the subscription information, the futures exchange transaction information, the financial product operation information and the financial account information to the information system through the external system on the financial system and store the information in the DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration details (for example, details of opening a financial account corresponding to the gold reserve product, or storing the gold reserve product electronic document in the electronic document repository, or the storage medium). At 155, details of storing the gold reserve product subscription request information) are generated (or extracted) and transmitted to the terminal (699).

According to an embodiment of the present invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the gold reserve product subscription system (or associated with the gold reserve product subscription system). When the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) the gold reserve product subscription system, an internet banking system, or 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.

7A and 7B illustrate a process of signing up a gold reserve product for a fixed dollar exchange rate transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device on the gold reserve product subscription system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the gold reserve server 100 In the case of having a ledger server (not shown in the city) function in the financial system linked to the counter terminal through the financial network, the customer information and the gold reserve product in order for a given customer to join the gold reserve product for fixed exchange rate When a financial reserve product application including at least one subscription information and a futures exchange transaction information is prepared and submitted, the financial institution subscribes to the gold reserve product in a face-to-face manner based on the gold reserve product application. Specifically, when the customer fills out the application for the gold credit product and submits it to the counter, the counter terminal acquires a predetermined image acquisition site. After obtaining the predetermined image content corresponding to the gold credit product application, input (or select) the gold credit product subscription application information corresponding to the gold credit product application, the image content and the gold credit product subscription When the application information is transmitted to the gold reserve product server 100, the gold reserve product server 100 includes at least one or more of the customer information, gold reserve product subscription information, futures exchange transaction agreement information The implementation method of subscribing to the gold reserve product based on the information is shown.

Those skilled in the art to which the present invention pertains, refer to or modify the drawings 7a and 7b and various modifications to register the gold credit product subscription application information to the gold credit product server 100 in the window terminal Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method 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 gold reserve product application form and storing the electronic document in an electronic document repository, the process may be performed according to the intention of the skilled person. It may be omitted, thereby the present invention is not limited.

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 gold credit product application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the gold reserve product subscription application information corresponding to the gold reserve product application is described as being provided from the gold reserve product server 100, but is defined in the counter terminal. If the information registration program is provided, the user interface may not be provided from the gold reserve product server 100, whereby the present invention is not limited.

In the following Figures 7a and 7b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the gold credit product server 100 shown in Fig. 1 is referred to as "server" for convenience and said teller terminal In the gold reserve product server 100, the customer information, gold reserve product subscription information, futures exchange transaction agreement information is referred to as "gold reserve product subscription application information" for convenience.

Referring to FIGS. 7A and 7B, when a predetermined customer fills out and submits a gold reserve product application application including at least one of customer information, gold reserve product subscription information, and futures exchange transaction agreement information for a fixed won exchange rate exchange rate, The teller terminal shown in FIG. 1 requests a user interface for a fixed won-dollar exchange rate corresponding to the gold reserve product application while accessing the server through a predetermined financial network and connecting a predetermined communication channel (700). In response, the server inputs (or selects) the gold credit product subscription application information corresponding to the gold credit product application prepared by the customer in the terminal, and responds to the gold credit product application through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting predetermined image content to the server (705); And it outputs the generated transmission over a yungmang (or extracted) user interface to the mobile station 710. The

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

If the gold reserve product subscription application information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information is input (or selected) through the user interface (720), the terminal displays the user interface. Based on a predetermined image acquisition device based on the image content corresponding to the gold credit product application is obtained (725).

If image content corresponding to the gold credit product application is obtained through the image acquisition device (730), the terminal transmits the gold credit product subscription application information and image content to the server through the financial network (735) ).

Subsequently, the server receives and reads the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information through the financial network. Validation is checked (740).

According to an embodiment of the present invention, the validity check of the gold reserve product subscription application information is at least one or more matching with the gold reserve product subscription application information in the ledger D / B on the financial system associated with the gold reserve product subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification of the gold reserve product subscription request information includes the customer information (customer personal information, member information, etc.) of the information included in the gold reserve product subscription request information associated with the gold reserve product subscription system. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the gold reserve product subscription application information includes the validation of the futures exchange transaction agreement information, among the information included in the gold reserve product subscription application information, for example, included in the future exchange transaction agreement information It is preferable to include at least one or more of confirming that the futures exchange contract amount information does not exceed the dollar conversion amount of the accumulated gold.

If the validity of the gold reserve product subscription application information is not authenticated (745), the server generates predetermined financial product error information and transmits it to the terminal (750), corresponding to the gold reserve product subscription application information Do not carry out the registration process.

On the other hand, if the validity of the gold credit product subscription application information is authenticated (745), the server generates a predetermined gold credit product electronic document containing the image content (755).

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a gold reserve product electronic document for the fixed dollar exchange rate exchange transaction.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. It is preferable to generate an electronic document for the gold reserve product for the won-dollar exchange rate fixed transaction of the image file corresponding to the image content including a) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a gold reserve product electronic document for the fixed dollar exchange rate transactions.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. Generate an image content including the image content, and at least a predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content. By generating one or more word processor files, or web document files including MHT), it is preferable to generate a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received gold credit product subscription request information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document.

Alternatively, the server may watermark at least one or more of customer information, gold credit product subscription information, and future exchange transaction agreement information included in the received gold credit product subscription application information on the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the generated image content and the generated image content and the gold credit product subscription request information. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

Those skilled in the art to which the present invention pertains can include technical features that the server generates the electronic goods electronic document in an image file format or a predetermined document file format, and an image corresponding to the gold electronic goods 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 gold accumulation product electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository is provided externally including a predetermined electronic document server 160 and an electronic document D / B associated with a server on the gold reserve product subscription system through predetermined communication means. In this case, it is preferable that the server transmits the generated gold accumulation product electronic document to the electronic document server 160 through the communication means and stores the electronic document server 160 in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the gold reserve product subscription system, the server stores the generated gold reserve product electronic document on the DBMS provided in the gold reserve product subscription system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

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

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

The electronic document management information may further include information on a financial institution that has transmitted the gold reserve product electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a gold reserve product application corresponding to the image content is prepared, or financial institution information for transmitting the gold reserve product electronic document, or an electronic document file). Format information, or the gold reserve product subscription application information).

If the gold reserve product electronic document is stored in the electronic document storage (765), the server is based on the customer information included in the gold reserve product subscription information, gold reserve product subscription information, futures exchange transaction information The predetermined financial product operation information corresponding to the accumulated product is generated (770).

According to an embodiment of the present invention, if the gold reserve product is at least one deposit / deposit product, the server is based on the customer information included in the gold reserve product subscription information, gold reserve product subscription information, forward exchange transaction agreement information Deposit information (or savings information) corresponding to the gold reserve product (e.g., an account number corresponding to a predetermined deposit / storage, a deposit (or savings) including an interest (or interest rate) corresponding to the deposit / storage and a subscription period) Properties).

Thereafter, the server is linked to the financial system to include the financial product operation information based on the customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information. Open and process the financial account (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gold reserve product subscription request information. It is characterized in that the opening processing of a predetermined financial account for the fixed dollar exchange rate.

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

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 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server may include the customer information included in the gold reserve product subscription application information, the gold reserve product subscription information, the futures exchange transaction agreement information, and the financial product operation information and the financial account generated by the information generator 140. The financial account information generated by the processor 145 is stored in the predetermined storage medium 155 (780).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer included in the received gold credit product subscription request information. It is preferable to store the information, gold reserve product subscription information, futures exchange transaction agreement information, the financial product operation information and financial account information in the storage medium 155.

According to another embodiment of the present invention, when the storage medium 155 is provided in the DBMS provided on the financial system, the server includes the customer information and the gold reserve product included in the received gold reserve product subscription application information. It is preferable to provide the subscription information, the futures exchange transaction information, the financial product operation information and the financial account information to the information system through the external system on the financial system and store the information in the DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, a history of opening a financial account corresponding to the gold credit product, or a history of storing the gold credit product electronic document in the electronic document repository, or the storage medium). At 155, details of storing the gold credit product subscription request information) are generated (or extracted) and transmitted to the terminal (785).

According to an embodiment of the present invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the gold reserve product subscription system (or associated with the gold reserve product subscription system). When the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) the gold reserve product subscription 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.

FIG. 8 is a diagram illustrating a non-face-to-face gold reserve product subscription system for a won-dollar exchange rate fixed transaction according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that a predetermined customer (individual or corporation) applies for gold reserve product subscription including at least one of predetermined customer information, gold reserve product subscription information, and future exchange transaction agreement information through a predetermined financial product subscription interface. When the information is provided to the financial institution, the financial institution subscribes to the gold reserve product for the won-dollar exchange rate fixed transaction based on the gold reserve product subscription application information, and a predetermined financial account for managing the gold reserve product. As a system configuration for opening the present invention, those of ordinary skill in the art to which the present invention pertains, various implementation methods for the gold reserve product subscription system configuration for the fixed dollar exchange rate by referring to or modifying this figure 8 It can be inferred that, but the present invention includes all the implementation methods inferred, the seal shown in FIG. It shall be limited to methods.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the present FIG. 8 and configure a gold reserve product subscription system omitting an implementation method of storing the gold reserve product electronic document in the electronic document storage. In addition, the electronic document storage is provided in the DBMS located in the gold reserve product subscription system, in addition to the implementation method shown in FIG. 8, even when the gold reserve product electronic document is stored in the electronic document storage. It will be possible to infer the implementation method described above, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the gold-bearing product electronic document is described as being generated on the server side on the gold-bearing product subscription system, but the present invention is not limited thereto. The gold credit product electronic document may be generated on the terminal side which inputs (or selects) the gold credit product subscription application information (for example, the electronic document generation function provided on the server side is provided on the terminal side). Generating a credited electronic product document), whereby the present invention is not limited.

Hereinafter, receiving the gold reserve product subscription application information from the customer through a predetermined financial product subscription interface on the gold reserve product subscription system shown in FIG. 8, and allowing the customer to subscribe to the gold reserve product. A component corresponding to at least one or more means or functional configurations for generating a predetermined gold reserve product electronic document and storing it in a predetermined electronic document storage is referred to as the "gold reserve product server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, the gold reserve product subscription system for fixed won exchange rate exchange rate, at least one client terminal including at least one wired terminal or wireless terminal used by a customer It characterized in that it comprises a terminal device comprising, the terminal device is connected to the communication channel and the gold reserve product server 800 provided on the gold reserve product subscription system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the gold goods server 800 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, When the gold reserve product subscription request information for the won-dollar exchange rate fixed transaction is input (or selected) through at least one user interface provided by the gold reserve product server 800, the client terminal transmits the subscription information through the predetermined network means. It is preferable to transmit to the gold reserve product server 800 provided on the gold reserve product subscription system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one 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.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for GSM (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. Mobile communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the A portable Internet terminal connected to an IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is formed, including at least one are preferred.

In addition, the gold reserve product server 800 connected to the client terminal is either an Internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and network means, or register the information. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the gold goods server 800 may be a CDMA-based (or HSDPA-based) mobile communication network or IEEE 802.16x-based portable Internet or the like depending on the type of wireless communication network connected to the client terminal or It is preferable that any one of the IEEE 802.11x-based wireless 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 gold accumulation product server 800, and inputs or selects at least one or more information through the user interface to the gold accumulation product server 800. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the gold reserve product server 800, etc.) for transmission 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 gold-based product subscription 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 connecting the client terminal and the gold-based product server 800. Alternatively, the wireless communication network performs a function of a financial product subscription interface for the customer to register the gold reserve product subscription application information for the won dollar exchange rate fixed transaction.

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

In the gold reserve product subscription system as described above, when the terminal device is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the gold reserve product server ( The financial network connecting 800 performs a function of a financial product subscription interface for the customer to register the gold reserve product subscription application information for the won dollar exchange rate fixed transaction, or the terminal device is connected to the call terminal (not shown). ), The wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the gold reserve product server 800 to deposit the gold for the customer to fix the won dollar exchange rate. A terminal that performs a function of a financial product subscription interface for registering product subscription application information, or is provided to an institution affiliated with the financial institution that is the terminal device. (Or server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the gold goods server 800 is the customer said It performs the function of the financial product subscription interface for registering gold reserve product subscription application information for the fixed dollar exchange rate.

The storage medium 850 provided on the gold reserve product subscription system according to the present invention includes the customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information provided from the terminal device. And storing the gold reserve product storage information including at least one of the financial product operation information and the financial account information.

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

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) and the like provided in the ledger.

The gold reserve product subscription information preferably includes at least one subscription period information, initial reserve amount information, interest rate information, terms and conditions information, consent to subscription information.

The futures exchange transaction agreement information preferably includes at least one of futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information.

The financial product operation information is a general term for information for managing and operating the gold reserve product through a predetermined financial account which the customer wants to subscribe to through the gold reserve product subscription application information. It is preferable to be carried out in various modifications according to.

According to an embodiment of the present invention, if the gold reserve product is at least one deposit / stored product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / stored product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the gold reserve product is at least one deposit / deposit product according to an embodiment of the present invention, the financial account information is a financial account for managing the deposit / deposit corresponding to the financial product operation information, the financial account is A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

According to an embodiment of the present invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the gold reserve product subscription system (or associated with the gold reserve product subscription system). At this time, the storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 is provided on (or associated with) the gold reserve product subscription system, or 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 gold reserve product server 800 provided on the gold reserve product subscription system according to the present invention is a generic term for the gold reserve product subscription system side components connected to the terminal device through a predetermined network means, and includes at least one or more items. 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 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 gold reserve product server 800 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( 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 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 embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the gold reserve product server 800 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the gold reserve product server 800 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 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 gold reserve product server 800 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( 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 an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to the method of the present invention, the gold reserve product server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in 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 805 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 gold reserve product server 800, the interface unit 805 may be connected to the client terminal based on the TCP / IP 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 is a financial automation device connected to a predetermined financial network, the interface unit 805 may be assigned with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and 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 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 805 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the gold reserve product server 800, the interface unit 805 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 805 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 8, when the predetermined terminal device connects a predetermined communication channel with the gold reserve product server 800 through the interface unit 805, the won-dollar exchange rate Generate (or extract) at least one user interface for inputting (or selecting) predetermined gold-bearing product subscription request information from the terminal device for fixed transaction and transmitting it to the gold-bearing product server 800, and the interface An interface providing unit 810 for providing the generated (or extracted) user interface to the terminal device in association with the unit 805, and inputting the gold credit product subscription request information through the user interface in the terminal device ( Or receiving information) for receiving the gold credit product subscription request information transmitted from the terminal device in connection with the interface unit 805. Characterized in that obtained by having a (815).

The interface providing unit 810 connects a predetermined communication channel with the gold reserve product server 800 through the interface unit 805, and then the won dollar to the gold reserve product server 800. At least one or more requesting a user interface for a currency exchange rate fixed transaction, the terminal device inputs (or selects) predetermined gold reserve product subscription application information and transmits it to the gold reserve product server 800 through the network means. The user interface is generated or extracted from a predetermined database (not shown), and the generated (or extracted) user interface is provided to the terminal apparatus through the network means in association with the interface unit 805. do.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 is provided by a browser program or a communication program provided in the client terminal. 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 client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 810 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 805. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined gold credit product subscription application information to the terminal device and transmitting the gold credit product subscription request information to the gold credit product server 800 through the network means. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined gold reserve product subscription application information as described above and generating (or extracting) the user interface for transmitting to the gold reserve product server 800 is provided. Therefore, the interface providing unit 810 provided to the terminal device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) the gold reserve product subscription application information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information through the user interface. ), The gold credit product subscription request information is transmitted to the gold credit product server 800 through the network means, and correspondingly, the information receiving unit 815 is transmitted from the terminal device in association with the interface unit 805. Characterized in that for receiving the gold reserve product subscription application information.

According to an exemplary embodiment of the present invention, the terminal apparatus includes the customer information, gold reserve product subscription information, and future exchange transaction agreement information on the gold reserve product subscription information including at least one of the gold reserve product server 800 in the gold. At least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the accumulated product subscription application information through the network means It is preferable to transmit to the earned product server (800).

According to an exemplary embodiment of the present invention, the terminal apparatus may include at least one encryption method (for example, a symmetric key based information) that includes at least one gold credit product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information. Encryption method, or public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, etc.) or by attaching a predetermined electronic signature to the registered product subscription application information through the network means. It is preferable to transmit to the gold reserve product server 800, for this purpose, the terminal device has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate containing at least one encryption key. Or the official certificate provided on a predetermined IC chip (or IC card) Case, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

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

Referring to FIG. 8, when the gold reserve product subscription request information received from the terminal device is received through the information receiver 815, the received gold reserve product subscription request information is received. Characterized in that it comprises a validity check unit 820 to determine whether the validity for the won dollar exchange rate fixed transaction.

According to an embodiment of the present invention, the gold credit product subscription application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method) Etc.), the validity confirming unit 820 includes at least one decryption method (for example, a symmetric key based decryption method or a public key based decryption method) corresponding to the encryption method. Method, or an electronic envelope-based decryption method, or a key exchange-based decryption method), it is preferable to authenticate the validity of the received gold credit product subscription application information.

Alternatively, when a predetermined electronic signature is attached to the gold reserve product subscription application information, the validity confirming unit 820 checks the electronic signature attached to the gold reserve product subscription application information, thereby joining the received gold reserve product subscription. It is desirable to verify the validity of the application information.

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

According to the embodiment of the present invention, if the gold reserve product subscription request information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the gold reserve product subscription application information, the validity The verification unit 820 compares and authenticates the password included in the gold reserve product subscription application information and the password provided corresponding to the customer on the DBMS, thereby validating the validity of the received gold reserve product subscription application information. It is desirable to authenticate.

Alternatively, when the gold credit product subscription request information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the gold credit product subscription request information, the validity checking unit ( 820 is a validity of the received gold credit product subscription application information by comparing and authenticating the received security card information included in the gold credit product subscription application information and the security card information provided corresponding to the customer on the DBMS; It is desirable to authenticate.

Alternatively, when the gold reserve product subscription application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the gold reserve product subscription application information, the validity confirmation unit 820 ) Compares and authenticates the received OTP code included in the gold reserve product subscription application information and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received gold reserve. It is desirable to verify the validity of the product subscription application information.

According to an embodiment of the present invention, the validity check of the gold reserve product subscription application information is at least one or more matching with the gold reserve product subscription application information in the ledger D / B on the financial system associated with the gold reserve product subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification of the gold reserve product subscription request information includes the customer information (customer personal information, member information, etc.) of the information included in the gold reserve product subscription request information associated with the gold reserve product subscription system. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the gold reserve product subscription application information includes the validation of the futures exchange transaction agreement information, among the information included in the gold reserve product subscription application information, for example, included in the future exchange transaction agreement information It is preferable to include at least one or more of confirming that the futures exchange contract amount information does not exceed the dollar conversion amount of the accumulated gold.

Referring to FIG. 8, when the validity of the gold reserve product subscription application information is authenticated through the validity confirming unit 820, the gold reserve product server 800 includes the received gold reserve product subscription application information. An electronic document generation unit 825 for generating a predetermined gold reserve product electronic document, and an electronic document transmission unit 830 for transmitting the generated gold reserve product electronic document to an electronic document repository associated with the gold reserve product subscription system. It characterized by comprising a.

The electronic document generating unit 825 generates a gold credit product electronic document including the gold credit product subscription application information received from the terminal device through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information included in the gold reserve product subscription application information received through the information receiving unit 815, gold reserve product subscription information, and a future exchange transaction agreement. Generate document content including at least one information, and at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. A word processor file, or a web document file including an MHT) is preferably processed as a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

Alternatively, the electronic document generation unit 825 may include at least one document including customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information received through the information receiver 815. After generating a content, including at least one or more information of the customer information, gold credit product subscription information, futures exchange transaction agreement information included in the gold credit product subscription application information in the document content in a watermarking (Watermarking) method, the water Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.) is preferably processed as a gold reserve product electronic document for the fixed dollar exchange rate.

Alternatively, the electronic document generation unit 825 may include at least one document including customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information received through the information receiver 815. A gold file for the one-dollar exchange rate fixed transaction of an image file including content generated and content image captured by capturing the document content (for example, image content generated by capturing the document content on a memory). It is preferable to process the document.

Alternatively, the electronic document generation unit 825 may include at least one document including customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information received through the information receiver 815. The customer information included in the gold credit product subscription application information and the gold credit product subscription to the image content (eg, the image content generated by capturing the document content on a memory) that generates content and captures the document content. After including at least one of the information, futures exchange transaction agreement information in a watermarking (watermarking) method, an image file containing the image content including the watermarking as a gold reserve product electronic document for the fixed dollar exchange rate exchange transaction It is preferable to process.

According to another exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, gold reserve product subscription information, and future exchange transaction agreement included in the gold reserve product subscription application information received through the information receiver 815. A predetermined document file (eg, generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to treat it as a creditable electronic document for fixed transactions.

Alternatively, the electronic document generation unit 825 may include at least one document including customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information received through the information receiver 815. The customer information included in the gold credit product subscription application information and the gold credit product subscription to the image content (eg, the image content generated by capturing the document content on a memory) that generates content and captures the document content. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one of information and future exchange transaction agreement information by watermarking, and including the image content including the watermarking; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like. By generating a web document file, etc.), it is desirable to process the gold reserve product electronic document for the fixed dollar exchange rate transaction.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, gold reserve product subscription information, and future exchange transaction included in the gold reserve product subscription application information received through the information receiver 815. Generating document content including at least one agreement information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the gold credit product subscription request information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ), It is desirable to process the gold reserve product electronic document for the fixed dollar exchange rate transaction.

Alternatively, the electronic document generation unit 825 may include at least one document including customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information received through the information receiver 815. The customer information included in the gold credit product subscription application information and the gold credit product subscription to the image content (eg, the image content generated by capturing the document content on a memory) that generates content and captures the document content. A document file including image information including at least one of information and future exchange transaction agreement information by a watermarking method, and including the watermarking image content and the gold credit product subscription request information (for example, At least one, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC. It is desirable to treat it with a word processor file, or by creating a web document MHT file that contains etc), earn gold and items for the won-dollar exchange forward transactions the electronic document.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generation unit 825 generates a gold credit product electronic document of the image file format or a predetermined document file format, and the gold credit product 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 transmission unit 830 transmits and stores the gold credit product electronic document generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the gold credit product subscription system. do.

As shown in FIG. 8, the electronic document repository is connected to the gold reserve product server 800 on the gold reserve product subscription system and a predetermined electronic document server 855 and an electronic document D / B linked through a predetermined communication means. When included in the outside, the electronic document transmission unit 830 to the electronic document server 855 via the communication means for the gold credit product electronic document generated by the electronic document generation unit 825 Characterized in that the transmission.

Here, when the electronic document server 855 and the electronic document D / B is provided outside the gold credit product subscription system, the electronic document server 855 and the electronic document D / B is managed by an authorized institution It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gold reserve product subscription system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. It is possible to store the electronic gold goods electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the gold credit product subscription system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 830 transmits electronic document related information (eg, the gold reserve product subscription request information) to generate predetermined electronic document management information in the electronic document server 855. Customer information transmitted by input (selection), financial institution information for transmitting the gold goods electronic document, or electronic document file format information, or the gold money product subscription application information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 8, the gold reserve product server 800 validates that the gold reserve product subscription application information received through the information receiver 815 is valid for the won dollar exchange rate fixing transaction through the validity check unit 820. When the authentication is successful, the predetermined financial product operation information corresponding to the gold reserve product is generated based on the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information included in the gold reserve product subscription application information that has been validated. A financial account of the customer's name including the financial product operation information based on the information generating unit 835 and the customer information included in the gold reserve product subscription application information, the gold reserve product subscription information, and the future exchange transaction agreement information. It characterized in that it comprises a financial account processing unit 840 to open the processing.

When the validity of the gold reserve product subscription application information is confirmed by the validity confirmation unit 820, the information generation unit 835 includes the customer information included in the gold reserve product subscription application information, gold reserve product subscription information, Based on the forward exchange transaction agreement information, the predetermined financial product operation information corresponding to the gold reserve product is generated.

According to an embodiment of the present invention, if the gold reserve product is at least one fund-related product, the information generator 835 may include customer information included in the gold reserve product subscription information, gold reserve product subscription information, and a futures exchange transaction. It is preferable to generate beneficiary certificate information (eg, a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period corresponding to the fund) based on the agreement information.

According to another exemplary embodiment of the present invention, if the gold reserve product is at least one deposit / stored product, the information generator 835 includes customer information included in the gold reserve product subscription information, gold reserve product subscription information, Deposit information (or savings information) corresponding to the gold reserve product (e.g., account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and subscription period, etc. It is preferable to create a deposit (or savings) attribute, including).

The financial account processing unit 840 generates a customer ledger including customer information included in the financial 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 financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the dollar amount corresponding to the gold reserve product subscription application information It is characterized by opening a predetermined financial account for the exchange rate fixed transaction.

According to an embodiment of the present invention, when the gold reserve product server 800 and the financial system exist in the same system, the financial account processing unit 840 is linked to the financial system in the ledger D / B. It is desirable to create a predetermined ledger containing operational information.

According to another exemplary embodiment of the present invention, when the gold reserve product server 800 and the financial system exist on another system connected through a predetermined communication means, the financial account processor 840 uses a predetermined communication means. It is preferable to request a ledger D / B on the other financial system to generate a predetermined ledger including the financial product operation information through an external system on the financial system.

Referring to FIG. 8, the gold reserve product server 800 validates that the gold reserve product subscription application information received through the information receiver 815 is valid for the won dollar exchange rate fixing transaction through the validity check unit 820. If the authentication is successful, the customer information included in the gold reserve product subscription application information is validated, the gold reserve product subscription information, futures exchange transaction agreement information and the financial product operation information generated by the information generation unit 835 and And an information storage unit 845 for storing gold credit product storage information including at least one or more financial account information generated by the financial account processing unit 840 in a predetermined storage medium 850. .

When the validity of the gold reserve product subscription application information is confirmed by the validity confirmation unit 820, the information storage unit 845 includes the customer information and gold reserve product subscription information included in the gold reserve product subscription application information. And storing the gold reserve product storage information including at least one or more futures exchange transaction agreement information in the storage medium 850.

In addition, when the financial product operation information generated by the information generation unit 835 is generated, the information storage unit 845 further includes the generated financial product operation information in the gold reserve product storage information. It is preferable to store in the storage medium 850.

The information storage unit 845 further includes the financial account information opened in the gold reserve product storage information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. It is preferable to store in the storage medium 850.

According to an embodiment of the present invention, when the storage medium 850 is provided in the gold reserve product server 800 or on a network associated with the gold reserve product server 800, the information storage unit ( 845, the gold reserve product storage information including at least one of the customer information, the gold reserve product subscription information, the future exchange transaction agreement information, the financial product operation information and the financial account information included in the received gold reserve product subscription application information; It is preferable to store the in the storage medium 850.

According to another embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the information storage unit 845 includes the customer included in the received gold reserve product subscription application information. The financial system information is provided through the external system of the financial system by providing information on the gold reserve product subscription information, futures exchange transaction agreement information, and the financial reserve product storage information including at least one of the financial product operation information and the financial account information. It is preferable to store in the DBMS provided in.

Referring to FIG. 8, an electronic document server receives a predetermined gold reserve product electronic document from the gold reserve product server 800 provided on the gold reserve product subscription system, and stores and manages it in a predetermined electronic document D / B. An electronic document receiving unit 860 for receiving a predetermined gold reserve product electronic document from the gold reserve product server 800 through a predetermined communication unit, and the received gold reserve product electronic document are stored in the electronic document. An information generation unit 865 for generating predetermined electronic document management information for storage and management in a D / B, and the electronic document management information and the gold reserve product electronic document in a cooperative process to a predetermined electronic document D / B. It is characterized by comprising an electronic document storage unit 870 for storing.

The electronic document receiving unit 860 is characterized in that for receiving the gold credit product electronic document in the form of an image file or a document file from the gold credit product server 800 through the communication means.

According to the exemplary embodiment of the present invention, the gold credit product electronic document received by the electronic document receiver 860 through the communication means is the gold credit product subscription request received by the gold credit product server 800 from the terminal device. A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing document content including at least one or more of customer information included in the information, gold reserve product subscription information, and future exchange transaction agreement information; Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device; Watermarking at least one or more of the customer information, the gold reserve product subscription information, and the futures exchange transaction information included in the gold reserve product subscription application information in document content including at least one gold reserve product subscription information, futures exchange transaction agreement information At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device; And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of gold reserve product subscription information and futures exchange transaction agreement information. It is preferable to make.

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device; The redemption product subscription application information on the image content (e.g., the image content generated by capturing the document content on the memory) which captures document content including at least one gold reserve product subscription information and futures exchange transaction agreement information. After including at least one or more information of the customer information, gold reserve product subscription information, futures exchange transaction agreement information included in the watermarking (Watermarking) method, and comprises an image file including the image content including the watermarking desirable.

According to another exemplary embodiment of the present invention, the gold reserve product electronic document received by the electronic document receiving unit 860 through the communication means is subscribed to the gold reserve product received by the gold reserve product server 800 from the terminal device. Image content captured (eg, image content generated by capturing the document content in memory) including document information including at least one of customer information included in the application information, gold reserve product subscription information, and future exchange transaction agreement information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device; The redemption product subscription application information on the image content (e.g., the image content generated by capturing the document content on the memory) which captures document content including at least one gold reserve product subscription information and futures exchange transaction agreement information. Document file including image information including at least one or more of the customer information, gold reserve product subscription information, futures exchange transaction agreement information included in the watermarking method (Watermarking), and includes the watermarking (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or at least one HWP / DOC). It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

According to another exemplary embodiment of the present invention, the gold credit product electronic document received by the electronic document receiving unit 860 through the communication means is a gold credit product received by the gold credit product server 800 from the terminal device. Image content capturing document content including at least one of customer information included in the subscription application information, gold reserve product subscription information, and futures exchange transaction agreement information (eg, an image generated by capturing the document content on a memory). A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the contents and the gold credit product subscription request information. File, or a web document file including MHT).

Alternatively, the gold reserve product electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device; The redemption product subscription application information on the image content (e.g., the image content generated by capturing the document content on the memory) which captures document content including at least one gold reserve product subscription information and futures exchange transaction agreement information. Generate image content including at least one or more of the customer information, gold reserve product subscription information, futures exchange transaction agreement information included in the watermarking method, the image content and the gold reserve product including the watermarking Document file containing the subscription information (for example, Portable Document Format (PDF) file, or Electronic Data Interchange (EDI)) File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generation unit 865 is a predetermined electronic document unique number (or unique information) to be assigned to the gold credit product electronic document received through the electronic document receiving unit 860, and through the electronic document receiving unit 860 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the credited electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 865 refers to the gold reserve product server 800 that transmitted the gold reserve product electronic document received through the electronic document receiving unit 860, and the gold reserve product. It is preferable to identify the financial institution that has sent the commodity electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 860 further receives a predetermined electronic document-related information from the gold reserve product server 800, the information generating unit 865 is the reception Electronic document related information (for example, customer information transmitted by inputting (selecting) the gold reserve product subscription application information), financial institution information transmitting the gold reserve product electronic document, electronic document file format information, or the gold It is preferable to generate the electronic document management information, including the information on subscription products, etc.).

The electronic document storage unit 870 processes the electronic document management information generated by the gold earning product electronic document received through the electronic document receiving unit 860 and the electronic document management information generated by the information generating unit 865 to a predetermined electronic document D. It stores in / B.

According to the exemplary embodiment of the present invention, the gold-bearing goods electronic document stored in the electronic document D / B by the electronic document storage unit 870 is the gold-bearing goods server 800 received from the terminal device. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document contents including at least one of customer information included in the product subscription request information, gold reserve product subscription information, and future exchange transaction agreement information. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 870 is included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device. At least one or more of customer information, gold reserve product subscription information, and future exchange transaction information included in the gold reserve product subscription application information in document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information. And a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing document content including the watermarking after the watermarking method. And at least one word processor file or web document file including MHT).

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 870 is included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device. An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information. It is preferable to comprise a.

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 870 is included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device. The gold accumulation product in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information. After including at least one or more information of the customer information included in the subscription application information, gold reserve product subscription information, futures exchange transaction agreement information by the watermarking method, and includes an image file including the image content including the watermarking It is preferable to make it.

According to another exemplary embodiment of the present invention, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 870 is received by the gold reserve product server 800 from the terminal device. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the accumulated product subscription request information, gold reserve product subscription information, and futures exchange transaction agreement information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 870 is included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device. The gold accumulation product in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information. Generate image content including at least one of customer information included in the subscription application information, gold reserve product subscription information, and future exchange transaction agreement information by watermarking, and include image content including the watermarking. At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing phase.

According to another exemplary embodiment of the present invention, the gold credit product electronic document stored in the electronic document D / B by the electronic document storage unit 870 is received by the gold credit product server 800 from the terminal device. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the image content) and the gold credit product subscription request information. Word processor files, or web document files containing MHT).

Alternatively, the gold reserve product electronic document stored in the electronic document D / B by the electronic document storage unit 870 is included in the gold reserve product subscription request information received by the gold reserve product server 800 from the terminal device. The gold accumulation product in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information. Generating image contents including at least one of customer information included in the subscription application information, gold reserve product subscription information, and future exchange transaction agreement information by a watermarking method, and the image content including the watermarking; A document file (for example, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) file) containing the gold credit product subscription request information It comprises a work, or a word processor including at least one of HWP / DOC, file, or web page file containing the MHT, etc.) are preferred.

According to the method of the present invention, the electronic document management information, which is stored in the electronic document D / B by the electronic document storage unit 870 in association with the gold reserve product electronic document, is allocated to the gold reserve product electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 870 in association with the gold deposited product electronic document is stored in the electronically deposited product electronic document. It is preferable that the financial institution further includes information on the financial institution that transmitted the credited goods electronic document identified with reference to the transferred gold earned goods server 800.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the gold reserve product server 800, the electronic document storage unit 870 is processed in association with the gold reserve product electronic document Electronic document management information to be stored in the electronic document D / B, the received electronic document related information (for example, the customer information transmitted by inputting (selecting) the gold credit product subscription application information, or the gold credit product electronic document) Financial institution information, or electronic document file format information, or the gold reserve product subscription application information).

9A and 9B illustrate a process of joining a gold reserve product for a fixed won exchange rate exchange rate in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 9A and 9B show a client device in which the terminal device on the gold goods subscription system shown in FIG. 8 is a client terminal, and the gold goods server 800 is accessible to a client terminal through a predetermined network means. In the case of having a server function, a predetermined customer includes at least one of customer information, gold reserve product subscription information, futures exchange transaction agreement information through the client terminal in order to subscribe to the gold reserve product for the won dollar exchange rate fixed transaction If the gold reserve product subscription application information is provided, the won dollar based on the gold reserve product subscription application information including at least one of the customer information, gold reserve product subscription information, futures exchange transaction agreement information in the gold reserve product subscription system The present invention relates to an implementation method for processing a subscription to the gold reserve product for exchange rate fixed transactions, the present invention Those skilled in the art, various embodiments of the present invention to register or register the gold credit product subscription application information from the client terminal to the gold credit product server 800 by referring to or modifying the drawings 9a and 9b. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 9a and 9b.

For example, although the implementation method shown in FIGS. 9A and 9B includes a process of generating a predetermined electronic document corresponding to the gold reserve product subscription application information and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

9A and 9B, a predetermined web page provided by the gold-bearing product server 800 provides a user interface for the client terminal to input (or select) the gold-bearing product subscription request information. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the gold reserve product server 800, the present invention is not limited thereby. No.

Hereinafter, in FIG. 9A and FIG. 9B, the client terminal shown in FIG. 8 is referred to as a "terminal" for convenience, and the gold reserve product server 800 shown in FIG. 8 is referred to as a "server" for convenience, and the client terminal In the gold reserve product server 800, the customer information, gold reserve product subscription information, futures exchange transaction agreement information is referred to as "gold reserve product subscription application information" for convenience.

9A and 9B, when the client terminal illustrated in FIG. 8 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (or HSDPA-based) mobile communication network, or IEEE 802.16x-based portable Internet, or IEEE 802.11x-based wireless LAN, etc. to access the server to connect a predetermined communication channel, for the exchange rate fixed transaction When requesting a web page including a user interface (900), in response, the server inputs gold reserve product subscription request information including at least one of the customer information, gold reserve product subscription information, and future exchange transaction agreement information (or Generate (or extract) a web page comprising a user interface for selection and transmission to the server (905); In operation 910, the web page including the generated (or extracted) user interface is transmitted to the terminal.

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 gold reserve product subscription application information, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) the financial reserve product subscription application information including at least one or more customer information, the financial reserve product subscription information, and the future exchange transaction agreement information through the user interface included in the web page (915).

If the terminal receives (or selects) the gold reserve product subscription request information including the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information (920), the terminal establishes the communication channel. The input (or selected) through the customer information, gold reserve product subscription information, forward exchange transaction agreement information is transmitted to the server (925).

According to an embodiment of the present invention, the terminal may include at least one of the gold reserve product subscription request information including the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information. Preferably, at least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator for checking the validity is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, symmetric key-based encryption) of the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or by attaching a predetermined electronic signature to the subscription product subscription information through the network means. It is preferable to transmit to the server, for this purpose, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate Is provided on a predetermined IC chip (or IC card), the IC chip (or I) C card) is preferably provided with a card reader for confirming the authentication certificate provided in.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, symmetric key-based encryption) of the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC chip, provided with a corresponding at least one encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card) (Or IC card) is provided with a card reader for checking the certificate desirable.

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

Thereafter, the server receives and reads the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information through the communication channel to confirm the validity of the gold reserve product subscription application information (930).

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

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

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

When the received gold earned product subscription application information further includes a predetermined password for confirming the validity of the gold earned product subscription application information according to an embodiment of the present invention, the server requests the gold earned product subscription application. It is preferable to authenticate the validity of the received gold credit product subscription application information by comparing and authenticating the received password included in the information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the received gold credit product subscription application information further includes predetermined security card information for checking the validity of the gold credit product subscription application information, the server is included in the gold credit product subscription application information. By comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received gold credit product subscription application information.

Alternatively, when the received gold reserve product subscription application information further includes a predetermined OTP code for checking the validity of the gold reserve product subscription application information, the server is included in the gold reserve product subscription application information. By comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided in correspondence with the customer on the DBMS, it is possible to authenticate the validity of the received gold reserve product subscription application information. desirable.

According to an embodiment of the present invention, the validity check of the gold reserve product subscription application information is at least one or more matching with the gold reserve product subscription application information in the ledger D / B on the financial system associated with the gold reserve product subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification of the gold reserve product subscription request information includes the customer information (customer personal information, member information, etc.) of the information included in the gold reserve product subscription request information associated with the gold reserve product subscription system. It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the gold reserve product subscription application information includes the validation of the futures exchange transaction agreement information, among the information included in the gold reserve product subscription application information, for example, included in the future exchange transaction agreement information It is preferable to include at least one or more of confirming that the futures exchange contract amount information does not exceed the dollar conversion amount of the accumulated gold.

If the validity of the gold reserve product subscription application information is not authenticated (935), the server generates a web page including predetermined financial product error information and transmits it to the terminal (940), and the gold reserve product subscription Do not perform the procedure.

On the other hand, if the validity of the gold reserve product subscription application information is authenticated (935), the server includes at least one or more customer information, gold reserve product subscription information, futures exchange transaction agreement information including the gold reserve product subscription application information Generate predetermined document content (945), and generate a predetermined gold credit product electronic document including the document content (950).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as a gold reserve product electronic document for the fixed dollar exchange rate transaction.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and the gold reserve product in the document content. After including at least one or more information of the customer information included in the subscription application information, gold reserve product subscription information, futures exchange transaction agreement information in a watermarking (watermarking) method, a document file containing the document content including the watermarking (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to process the gold reserve product electronic document.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. It is preferable to process an image file including an image content (e.g., image content generated by capturing the document content on a memory) into a gold reserve product electronic document for the won-dollar exchange rate fixed transaction.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. At least one of customer information included in the gold reserve product subscription application information, gold reserve product subscription information, and futures exchange transaction agreement information is included in an image content (for example, image content generated by capturing the document content in memory). After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as a gold reserve product electronic document for the fixed dollar exchange rate transaction.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT) to process the gold reserve product electronic document for the fixed dollar exchange rate transaction. desirable.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. Water information of at least one of customer information, gold reserve product subscription information, and futures exchange transaction agreement information included in the gold reserve product subscription application information into an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. Generate a word processor file including at least one DOC, or a web document file including an MHT). Written, it is preferable that processing of gold products and earn electronic document for the won-dollar exchange rate contract.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information. And a predetermined document file (for example, PDF (Portable Document) including image content capturing the document content (eg, image content generated by capturing the document content on a memory) and the gold credit product subscription request information. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the gold reserve product electronic document.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. Image information (for example, image content generated by capturing the document content on a memory) includes at least one of customer information included in the gold reserve product subscription application information, gold reserve product subscription information, and future exchange transaction agreement information. Create an image content including a watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI (including a watermarking) image content and the gold credit product subscription application information) Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By generating a web document file, etc.), it is preferable to process the gold reserve product electronic document for the won dollar exchange rate fixed transaction.

Those skilled in the art to which the present invention pertains can include technical features that the server generates the electronic goods electronic document in an image file format or a predetermined document file format, and an image corresponding to the gold electronic goods 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 gold credit product electronic document in a predetermined electronic document storage (955).

As shown in FIG. 8, the electronic document repository is provided externally including a predetermined electronic document server 855 and an electronic document D / B associated with a server on the gold reserve product subscription system through predetermined communication means. In this case, it is preferable that the server transmits the generated gold accumulation product electronic document to the electronic document server 855 through the communication means and stores the electronic document server 855 in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the gold reserve product subscription system, the server stores the generated gold reserve product electronic document on the DBMS provided in the gold reserve product subscription system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to an embodiment of the present invention, the storing of the gold-bearing goods electronic document in the electronic document storage is performed by linking the generated gold-bearing goods electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

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

The electronic document management information may further include information on a financial institution that has transmitted the gold reserve product electronic document.

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

If the gold reserve product electronic document is stored in the electronic document storage (960), the server is based on the customer information contained in the gold reserve product subscription application information, gold reserve product subscription information, futures exchange transaction information The predetermined financial product operation information corresponding to the accumulated product is generated (965).

If the gold reserve product is at least one fund-related product according to an embodiment of the present invention, the server is based on the customer information included in the gold reserve product subscription information, gold reserve product subscription information, forward exchange transaction agreement information It is preferable to generate beneficiary certificate information corresponding to the gold reserve product (eg, a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period corresponding to the fund).

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

Thereafter, the server is linked to the financial system to include the financial product operation information based on the customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information. Open and process a financial account (970).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gold reserve product subscription request information. It is characterized in that the opening processing of a predetermined financial account for the fixed dollar exchange rate.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server may establish a predetermined ledger including the financial product operation information in the ledger D / B 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 on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server includes the customer information included in the gold reserve product subscription application information, the gold reserve product subscription information, the futures exchange transaction agreement information, and the financial product operation information and the financial account generated by the information generator 835. In operation 975, gold storage product storage information including at least one or more financial account information generated by the processor 840 is stored in a predetermined storage medium 850.

According to an embodiment of the present invention, when the storage medium 850 is provided in the server or on a network associated with the server, the server includes the customer included in the received gold reserve product subscription request information. Preferably, the storage medium 850 stores gold reserve product registration information, gold reserve product subscription information, futures exchange transaction agreement information, and gold reserve product storage information including at least one financial product operation information and financial account information.

According to another embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the server includes the customer information and the gold reserve product included in the received gold reserve product subscription application information. Providing gold reserve product storage information including subscription information, futures exchange transaction information, and at least one financial product operation information and financial account information as an information system through an external system on the financial system and storing it in a DBMS provided on a financial system It is desirable to.

Thereafter, the server records predetermined financial product registration details (for example, details of opening a financial account corresponding to the gold reserve product, or storing the gold reserve product electronic document in the electronic document repository, or the storage medium). In step 850, the details of storing the gold credit product subscription request information) are generated (or extracted) and transmitted to the terminal (980).

According to an embodiment of the present invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the gold reserve product subscription system (or associated with the gold reserve product subscription system). At this time, the storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 is provided on (or associated with) the gold reserve product subscription 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.

10A, 10B, and 10C are diagrams illustrating a process of registering a gold reserve product for a fixed won exchange rate exchange transaction according to an embodiment of the present invention.

10a, 10b, and 10c, the gold reserve product subscription system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e., the gold reserve shown in FIG. 8). In the case where the redeemed product server 800 on the product subscription system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and performs predetermined customer authentication. After performing the procedure, when the client terminal transmits a predetermined gold reserve product subscription application information to the internet banking server to subscribe to the gold reserve product for the won dollar exchange rate fixed transaction, the customer information on the internet banking server. Based on the gold reserve product subscription information including at least one of the gold reserve product subscription information and the futures exchange transaction agreement information. A method of carrying out a subscription process for the gold reserve product for a fixed dollar exchange rate transaction, and a person skilled in the art to which the present invention pertains may refer to or modify the present drawings 10a, 10b, and 10c. Although various implementation methods for registering the gold reserve product subscription application information may be inferred through the non-face-to-face financial transaction channel of the present invention, the present invention includes all the implementation methods inferred from the figures 10a, 10b and 10c. It is not limited to the implementation method shown by.

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. 10A, 10B, and 10C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering gold reserve product subscription application information between the client terminal and the Internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. If so, referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 10A, 10B, and 10C, the client terminal and the Internet are based on a predetermined internet banking program mounted on the client terminal. Banking standing Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering the gold reserve product subscription application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figure 10a, Figure 10b and Figure 10c, telebanking The system or another banking system 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 registration of subscription information for gold reserve products. Or non-face-to-face channel based financial transactions including all types of non-face-to-face banking systems or wireless banking systems or TV banking systems proposed in the future, and the technical configuration of the present invention is illustrated in FIGS. 10A, 10B and 10C. It is by no means limited to the case of Internet banking.

In addition, although the embodiment shown in FIGS. 10A, 10B, and 10C 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 a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 10A, 10B and 10C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the gold reserve product server 800 is referred to as a "server" for convenience.

10A, 10B, and 10C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1000a), the server communicates with the terminal through the browser. A communication channel between servers is connected (1005a), wherein a communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in 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 ( 1010a).

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 (1015a), 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 1020a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1025a), or if the terminal does not need to load or update the Internet banking security module (1015a), the server is mounted on the terminal. By activating the security module for internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (1030a), where the security channel for internet banking 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 information (or data) to be provided to the server for registration of subscription information for gold-bearing goods in the terminal. When a predetermined digital signature is attached to or transmitted by encrypting at least one or more encryption methods (or encryption algorithms), the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm). (Or a decoding algorithm) means a communication channel for decoding the information (or data).

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 the predetermined information is provided to the information (or data) to be provided to the server for registration of the subscription product subscription application information from the terminal. Attach an electronic signature or at least one encryption When encrypted and transmitted using an expression (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) 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 (1035a).

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.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1040a). The server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1045a).

If the Internet banking customer authentication fails (1050a), the server blocks the Internet banking secure channel for the terminal (1055a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1050a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (1060a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined gold reserve product subscription application information for a fixed dollar exchange rate exchange transaction from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for the fixed dollar exchange rate exchange transaction to the server through an internet banking-based financial transaction channel (1000b), the server correspondingly stores the customer information and gold Generate (or extract) a web page including a user interface for inputting (or selecting) gold-bearing product subscription request information including at least one of product subscription information and futures exchange transaction agreement information to the server (1005b). In operation 1010b, the webpage including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel.

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) gold-bearing product subscription request information including at least one of customer information, gold-bearing product subscription information, and futures exchange transaction agreement information. Preferably, or a predetermined password or security card information (for example, security issued to the customer during the Internet banking application process to verify the validity of the Internet banking customer requesting to register the gold credit product subscription application information Security card information printed on the card) or OTP (One Time Password) (e.g., through an internet banking application process (or after an internet banking application) generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. It is preferable to further include a user interface for entering a one-time password).

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 registration process registration information registration of the gold credit product, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) gold reserve product subscription application information including at least one of the customer information, gold reserve product subscription information, and future exchange transaction agreement information through the financial product subscription interface (1015b).

If the terminal receives (or selects) the gold reserve product subscription application information including the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information (1020b), the terminal transmits the financial transaction channel. Through the input (or selected) gold reserve product subscription application information is transmitted to the server (1025b).

According to an embodiment of the present invention, the terminal may include at least one of the gold reserve product subscription request information including the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information. Preferably, 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 is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, symmetric key-based encryption) of the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or by attaching a predetermined electronic signature to the registered product subscription request information through the network means. It is preferable to transmit to a server, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the certificate is When provided in a predetermined IC chip (or IC card), the IC chip (or IC It is preferable that a card reader is provided for checking the official certificate provided in the card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, symmetric key-based encryption) of the gold reserve product subscription request information including at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC chip, provided with a corresponding at least one encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card) (Or an IC card) provided with a card reader for verifying the accredited certificate It is preferred.

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

Thereafter, the server receives and reads the gold reserve product subscription application information through the financial transaction channel to confirm the validity of the gold reserve product subscription application information (1030b).

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

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

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

When the received gold earned product subscription application information further includes a predetermined password for confirming the validity of the gold earned product subscription application information according to an embodiment of the present invention, the server requests the gold earned product subscription application. It is preferable to authenticate the validity of the received gold credit product subscription application information by comparing and authenticating the received password included in the information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the received gold credit product subscription application information further includes predetermined security card information for checking the validity of the gold credit product subscription application information, the server is included in the gold credit product subscription application information. By comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received gold credit product subscription application information.

Alternatively, when the received gold reserve product subscription application information further includes a predetermined OTP code for checking the validity of the gold reserve product subscription application information, the server is included in the gold reserve product subscription application information It is preferable to authenticate the validity of the received gold reserve product subscription application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Do.

According to an embodiment of the present invention, the validity check of the gold reserve product subscription application information is at least one or more matching with the gold reserve product subscription application information in the ledger D / B on the financial system associated with the gold reserve product subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification of the gold reserve product subscription request information is performed by linking the customer information (customer personal information or member information, etc.) among the information included in the gold reserve product subscription request information to the gold reserve product subscription system. It is preferable to include checking whether the match with the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the gold reserve product subscription application information includes the validation of the futures exchange transaction agreement information, among the information included in the gold reserve product subscription application information, for example, included in the future exchange transaction agreement information It is preferable to include at least one or more of confirming that the futures exchange contract amount information does not exceed the dollar conversion amount of the accumulated gold.

If the validity of the gold reserve product subscription application information is not authenticated (1035b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1040b), and the gold reserve product subscription Do not perform the procedure.

On the other hand, if the validity of the gold reserve product subscription application information is authenticated (1035b), the server includes at least one or more customer information, gold reserve product subscription information, futures exchange transaction agreement information including the gold reserve product subscription application information A predetermined document content is generated (1045b), and a predetermined gold credit product electronic document including the document content is generated (1050c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as a gold reserve product electronic document for the fixed dollar exchange rate transaction.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and the gold reserve product in the document content. After including at least one or more information of the customer information included in the subscription application information, gold reserve product subscription information, futures exchange transaction agreement information in a watermarking (watermarking) method, a document file containing the document content including the watermarking (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to process the gold reserve product electronic document.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. It is preferable to process the image file including the image content (eg, the image content generated by capturing the document content on the memory) into the gold reserve product electronic document for the fixed dollar exchange rate exchange transaction.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. Water information on at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information included in the gold reserve product subscription application information into an image content (for example, image content generated by capturing the document content on a memory). After including in a watermarking method, it is preferable to process an image file including the image content including the watermarking as a gold-bearing product electronic document for the won-dollar exchange rate fixed transaction.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT) to process the gold reserve product electronic document for the fixed dollar exchange rate transaction. desirable.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. Water information on at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information included in the gold reserve product subscription application information into an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. Generate a word processor file including at least one DOC, or a web document file including an MHT). Written, it is preferable that processing of gold products and earn electronic document for the won-dollar exchange rate contract.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information. And a predetermined document file (for example, PDF (Portable Document) including image content capturing the document content (eg, image content generated by capturing the document content on a memory) and the gold credit product subscription request information. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the gold reserve product electronic document.

Alternatively, the server generates document content including at least one of customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the received gold reserve product subscription application information, and captures the document content. Water information on at least one of the customer information, the gold reserve product subscription information, and the future exchange transaction agreement information included in the gold reserve product subscription application information into an image content (for example, image content generated by capturing the document content on a memory). Generates image content including a watermarking method, and includes a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the watermarking image content and the gold credit product subscription information). Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT It is preferable that the processing of gold products and earn electronic document for the won-dollar exchange rate fixed transaction by creating a web page, such as a file).

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

Thereafter, the server stores the generated gold reserve product electronic document in a predetermined electronic document storage (1055c).

As shown in FIG. 8, the electronic document repository is provided externally including a predetermined electronic document server 855 and an electronic document D / B associated with a server on the gold reserve product subscription system through predetermined communication means. In this case, it is preferable that the server transmits the generated gold accumulation product electronic document to the electronic document server 855 through the communication means and stores the electronic document server 855 in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the gold reserve product subscription system, the server stores the generated gold reserve product electronic document on the DBMS provided in the gold reserve product subscription system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to an embodiment of the present invention, the storing of the gold-bearing goods electronic document in the electronic document storage is performed by linking the generated gold-bearing goods electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

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

The electronic document management information may further include information on a financial institution that has transmitted the gold reserve product electronic document.

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

If the gold reserve product electronic document is stored in the electronic document storage box (1060c), the server is based on the customer information included in the gold reserve product subscription information, gold reserve product subscription information, futures exchange transaction information The predetermined financial product operation information corresponding to the accumulated product is generated (1065c).

If the gold reserve product is at least one fund-related product according to an embodiment of the present invention, the server is based on the customer information included in the gold reserve product subscription information, gold reserve product subscription information, forward exchange transaction agreement information It is preferable to generate beneficiary certificate information corresponding to the gold reserve product (eg, a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period corresponding to the fund).

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

Thereafter, the server is linked to the financial system to include the financial product operation information based on the customer information, gold reserve product subscription information, and future exchange transaction agreement information included in the gold reserve product subscription application information. A financial account is opened and processed (1070c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or matches a customer ledger provided with the customer information. Check), and generate predetermined account ledger information including the financial product operation information, and then store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the gold reserve product subscription request information. It is characterized in that for opening the predetermined financial account for the fixed dollar exchange rate transaction.

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

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 on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server includes the customer information included in the gold reserve product subscription application information, the gold reserve product subscription information, the futures exchange transaction agreement information, and the financial product operation information and the financial account generated by the information generator 835. In operation 1075c, gold storage product storage information including at least one or more financial account information generated by the processor 840 is stored in a predetermined storage medium 850.

According to an embodiment of the present invention, when the storage medium 850 is provided in the server or on a network associated with the server, the server includes the customer included in the received gold reserve product subscription request information. Preferably, the storage medium 850 stores gold reserve product registration information, gold reserve product subscription information, futures exchange transaction agreement information, and gold reserve product storage information including at least one financial product operation information and financial account information.

According to another embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the server includes the customer information and the gold reserve product included in the received gold reserve product subscription application information. Providing gold reserve product storage information including subscription information, futures exchange transaction information, and at least one financial product operation information and financial account information as an information system through an external system on the financial system and storing it in a DBMS provided on a financial system It is desirable to.

Thereafter, the server records predetermined financial product registration details (for example, details of opening a financial account corresponding to the gold reserve product, or storing the gold reserve product electronic document in the electronic document repository, or the storage medium). In step 850, the details of storing the gold reserve product subscription request information) are generated (or extracted) and transmitted to the terminal (1080c).

According to an embodiment of the present invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the gold reserve product subscription system (or associated with the gold reserve product subscription system). At this time, the storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 is provided on (or associated with) the gold reserve product subscription system, or 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.

11 is a diagram illustrating a face-to-face information registration system for a won-dollar exchange rate fixed transaction according to an embodiment of the present invention.

In more detail, in Figure 11, in order to cope with the risk of the won dollar exchange rate for customers who have subscribed to the predetermined gold reserve products, the customer information and the futures contract amount for the fixed won dollar exchange rate transaction with the information registration system through a predetermined information registration interface. When the futures exchange transaction agreement information including at least one information, a futures exchange due date information, and a futures exchange transaction agreement information is provided, the customer information included in the futures exchange transaction agreement information provided in the information registration system, a futures exchange agreement amount information, and a futures exchange due date information The present invention relates to a system configuration for linking and processing future exchange transaction consent information to a predetermined storage medium 1130, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to or modifyes this figure. Various implementation methods can be inferred for configuring the information registration system for exchange rate fixed transactions. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the future exchange transaction agreement information provided from the customer on the storage medium 1130 through a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 1100" for convenience.

Referring to this figure 11 according to the embodiment of the present invention, the information registration system for the fixed dollar exchange rate exchange, information registration terminal including a counter terminal provided in at least one branch (or branch or head office) of the financial institution The information registration terminal is connected to the information registration server 1100 provided on the information registration system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (or branch or main branch) for the fixed dollar exchange rate transaction, and through a window provided at the financial institution branch (or branch or main branch). Fill out a prescribed application (e.g., a document with a form for filling in at least one item of information for a fixed dollar exchange rate transaction) for a fixed dollar exchange rate transaction (or through a teller) When submitted to a teller, the teller inputs (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) the information through the financial network. It is preferable to transmit to the information registration server 1100 provided on the registration system.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch (or branch or main office) of the financial institution, the information registration server 1100 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 1100 is a branch network connecting the communication channel between the teller terminal and the information registration server 1100. It is preferable to comprise a.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 1100, the customer can fix the won dollar exchange rate. Performs the function of an information registration interface for registering forward exchange transaction agreement information for a transaction.

The storage medium 1130 provided on the information registration system according to the present invention includes the customer information, the future exchange contract amount information, the future exchange due date information, and the future exchange transaction agreement information included in the future exchange transaction agreement information provided from the information registration terminal. And storing at least one or more of the customer information, the future exchange contract amount information, the future exchange due date information, and the future exchange transaction agreement information stored in the storage medium 1130. The futures exchange transaction agreement information is used for the won dollar exchange rate fixed transaction.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

Preferably, the futures exchange contract amount information includes a futures exchange contract amount which is calculated to be less than or equal to the dollar conversion amount of the accumulated gold.

The futures exchange expiration date information preferably includes one-dollar futures expiration date (eg, 1, 2, 3, 6, 9, 12 months, etc.).

Preferably, the futures exchange transaction consent information includes signature information or seal information of the customer that agrees to the futures exchange transaction in preparation for the won-dollar exchange rate risk in operating the gold reserve product.

According to one embodiment of the invention, the storage medium 1130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 1100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 1100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 1100 is characterized in that it comprises an interface unit 1105 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 1105 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 11, the information registration server 1100 connects a communication channel with the information registration server 1100 through the interface unit 1105 and then connects with the interface unit 1105. An interface provider 1110 which generates (or extracts) a predetermined user interface for inputting (or selecting) and forwarding predetermined forward exchange transaction agreement information from the information registration terminal in association with the information registration terminal; An information receiving unit 1115 for receiving predetermined forward exchange transaction agreement information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1105, and the received forward exchange agreement information. Validation unit 1120 for checking the validity, and the customer information included in the futures exchange transaction agreement information confirmed validity, futures exchange contract amount And the information storage unit 1125 for linking and processing the futures exchange due date information and the futures exchange transaction agreement information in a predetermined storage medium 1130.

The interface providing unit 1110 connects a communication channel with the information registration server 1100 through the interface unit 1105 through the interface unit 1105, and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) forward exchange transaction agreement information to the information registration server 1100 through the financial network, or extracting from a predetermined database (not shown), and extracting the interface unit. In operation 1105, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another exemplary embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the forward exchange transaction agreement information to the information registration terminal and transmitting it to the information registration server 1100 through the financial network is provided. When the information registration program is provided, the interface providing unit 1110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) futures exchange transaction agreement information including at least one of the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information based on the user interface, (Or selected) the forward exchange transaction agreement information is transmitted to the information registration server 1100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1110 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 1105.

The information receiving unit 1115 inputs (or selects) future exchange transaction agreement information including at least one of customer information, future exchange contract amount information, future exchange due date information, and future exchange transaction agreement information through the user interface at the information registration terminal. When the data is transmitted through the financial network, the present exchange transaction agreement information is received in connection with the interface unit 1105, and the received future exchange transaction agreement information is provided to the validity confirming unit 1120.

The validity confirming unit 1120 is characterized by checking whether the futures exchange transaction agreement information received from the information registration terminal satisfies the validity for the won dollar exchange rate fixed transaction.

According to an embodiment of the present invention, the validity of the futures exchange transaction agreement information may be determined by registering at least one ledger information matching the futures exchange transaction agreement information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, the validation of the futures exchange transaction agreement information includes checking whether the customer information included in the futures exchange transaction agreement information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity confirmation of the futures exchange transaction agreement information is to check the account information (or financial product information) corresponding to the customer information included in the futures exchange transaction agreement information to the ledger D / B on the financial system associated with the information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validity check of the futures exchange transaction agreement information is preferably made to include checking whether the futures exchange transaction amount information included in the futures exchange transaction agreement information exceeds the dollar conversion amount of the accumulated gold of the customer.

When the validity of the futures exchange transaction agreement information is confirmed, the information storage unit 1125 stores and stores the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information in association with the futures exchange transaction agreement information. And storing the information when the storage medium 1130 is provided in the information registration server 1100 or on a network associated with the information registration server 1100. Part 1125 is preferably stored in the storage medium 1130 by processing the customer information contained in the received futures exchange transaction information, futures exchange amount information, futures exchange due date information, futures exchange transaction agreement information in the storage medium 1130, the storage When the medium 1130 is provided in the DBMS provided on the financial system, the information storage unit 1125 may include the customer information and the gift pill included in the received forward exchange transaction agreement information. It is preferable to provide fixed amount information, futures exchange due date information, and futures exchange transaction consent information to the information system through an external system on the financial system and store it in a DBMS provided on the financial system.

12 is a view showing the configuration of the futures exchange transaction information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the fixed dollar exchange rate transaction according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates that when the storage medium 1130 shown in FIG. 11 is a ledger D / B provided in a DBMS on a financial system, the customer information and a futures contract are included in the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method of storing futures exchange transaction agreement information including amount information, futures exchange expiration date information, and futures exchange transaction agreement information. 12 may be inferred from various information construction methods for storing the futures exchange transaction agreement information in the ledger D / B, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implementation method.

Referring to Figure 12 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 12, the forward exchange transaction agreement information provided through the information registration system shown in FIG. 11 is stored in the form of additional information added to the account ledger, and the forward exchange transaction agreement information includes customer information and forward exchange. It is characterized in that it comprises at least one or more commitment amount information, futures exchange due date information, futures exchange transaction consent information.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

Preferably, the futures exchange contract amount information includes a futures exchange contract amount which is calculated to be less than or equal to the dollar conversion amount of the accumulated gold.

The futures exchange expiration date information preferably includes one-dollar futures expiration date (eg, 1, 2, 3, 6, 9, 12 months, etc.).

Preferably, the futures exchange transaction consent information includes signature information or seal information of the customer that agrees to the futures exchange transaction in preparation for the won-dollar exchange rate risk in operating the gold reserve product.

According to another exemplary embodiment of the present invention, the future exchange transaction agreement information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, a customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

FIG. 13 is a diagram illustrating the configuration of futures exchange transaction agreement information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a fixed won exchange rate exchange according to another embodiment of the present invention.

More specifically, FIG. 13 illustrates an information structure of an exemplary embodiment in which the storage medium 1130 illustrated in FIG. 11 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for referring to or modifying this drawing 13 and storing the futures exchange transaction agreement information in a predetermined database in association with the ledger D / B and storing the information. Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 13, it is not easy to store the futures exchange transaction agreement information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of the financial institution, the ledger D / B of the financial institution). Is not easy to change, or the system is not easy to expand due to the nature of the financial system), the futures exchange transaction information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 13 does not have to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 13, the database stores and stores the customer information, the future exchange contract amount information, the future exchange due date information, and the future exchange transaction agreement information in association with the future exchange transaction agreement information. Preferably, the future exchange transaction agreement information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

Preferably, the futures exchange contract amount information includes a futures exchange contract amount which is calculated to be less than or equal to the dollar conversion amount of the accumulated gold.

The futures exchange expiration date information preferably includes one-dollar futures expiration date (eg, 1, 2, 3, 6, 9, 12 months, etc.).

Preferably, the futures exchange transaction consent information includes signature information or seal information of the customer that agrees to the futures exchange transaction in preparation for the won-dollar exchange rate risk in operating the gold reserve product.

14 is a view showing the configuration of the futures exchange transaction information stored in the DBMS provided in the banking server in a face-to-face manner for the fixed dollar exchange rate transaction according to another embodiment of the present invention.

More specifically, FIG. 14 shows a DBMS in which the storage medium 1130 shown in FIG. 11 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, forward exchange transaction stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 14 It is possible to infer a method of constructing information on contract information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 14, a predetermined DBMS provided in the banking server stores and stores the customer information, the future exchange contract amount information, the future exchange due date information, and the future exchange transaction consent information included in the future exchange transaction agreement information. do.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.) and member information of the customer (e.g., on the financial system associated with the gold reserve product subscription system in response to the customer by the customer signing up as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File), etc.) provided in the customer ledger.

Preferably, the futures exchange contract amount information includes a futures exchange contract amount which is calculated to be less than or equal to the dollar conversion amount of the accumulated gold.

The futures exchange expiration date information preferably includes one-dollar futures expiration date (eg, 1, 2, 3, 6, 9, 12 months, etc.).

Preferably, the futures exchange transaction consent information includes signature information or seal information of the customer that agrees to the futures exchange transaction in preparation for the won-dollar exchange rate risk in operating the gold reserve product.

15 is a diagram illustrating a process of registering forward exchange transaction agreement information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates a case in which the information registration server 1100 on the information registration system shown in FIG. 11 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network. In the above, the window terminal is connected to the information registration server 1100 to connect a communication channel for information registration according to the present invention, and then the customer information, gift exchange to the information registration server 1100 through the communication channel When the futures exchange transaction agreement information including contract amount information, futures exchange due date information, and futures exchange transaction agreement information is transmitted, customer information included in the received futures exchange transaction agreement information is received from the information registration server 1100, futures exchange agreement amount information, The present invention relates to an implementation method of linking and processing futures exchange due date information and futures exchange transaction agreement information in a predetermined storage medium 1130, and to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the futures exchange transaction agreement information with the information registration server 1100 at the teller terminal by referring to or modifying this drawing 15. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 15, the window terminal shown in FIG. 11 is referred to as "terminal" for convenience, and the information registration server 1100 shown in FIG. 11 is referred to as "server" for convenience, and the information registration in the window terminal. The customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information transmitted to the server 1100 are referred to as "gift exchange transaction agreement information" for convenience.

Referring to FIG. 15, a window terminal shown in FIG. 11 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the futures exchange transaction agreement information, and executes a fixed won exchange rate exchange transaction. When the forward exchange transaction agreement information is requested for registration (1500), the server generates (or extracts) a predetermined information registration interface for registering the forward exchange transaction agreement information (1505), and generates the ( Alternatively, the extracted information registration interface is transmitted to the terminal and output (1510).

According to an embodiment of the present invention, the information registration interface inputs (or selects) futures exchange transaction agreement information including at least one of the customer information, futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information in the terminal. It is preferred to include a user interface.

Thereafter, the terminal inputs (or selects) future exchange transaction agreement information including at least one or more customer information, futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information (1515).

If the terminal inputs (or selects) the future exchange transaction agreement information including the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information (1520), the terminal receives the financial information through the information registration interface. In operation 1525, the server transmits forward exchange transaction agreement information including the inputted (or selected) customer information, forward exchange contract amount information, forward exchange due date information, and forward exchange transaction agreement information to the server.

Thereafter, the server receives and reads the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information through the financial network to confirm the validity of the futures exchange transaction agreement information (1530).

According to an embodiment of the present invention, the validity of the futures exchange transaction agreement information may be determined by registering at least one ledger information matching the futures exchange transaction agreement information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, the validation of the futures exchange transaction agreement information includes checking whether the customer information included in the futures exchange transaction agreement information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity confirmation of the futures exchange transaction agreement information is to check the account information (or financial product information) corresponding to the customer information included in the futures exchange transaction agreement information to the ledger D / B on the financial system associated with the information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validity check of the futures exchange transaction agreement information is preferably made to include checking whether the futures exchange transaction amount information included in the futures exchange transaction agreement information exceeds the dollar conversion amount of the accumulated gold of the customer.

If the validity of the forward exchange transaction agreement information is not authenticated (1535), the server generates predetermined information registration error information and transmits it to the terminal (1540), and performs an information registration procedure corresponding to the forward exchange transaction agreement information. Do not perform.

On the other hand, if the validity of the forward exchange transaction agreement information is authenticated (1535), the server performs an information registration procedure corresponding to the forward exchange transaction agreement information, thereby providing the customer information, the future exchange agreement amount information, the future exchange due date information, and the future exchange transaction agreement. The information is linked and stored in a predetermined storage medium 1130 (1545).

According to one embodiment of the invention, the storage medium 1130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1550), thereby completing the procedure of registering the forward exchange transaction agreement information transmitted from the terminal.

16 is a diagram illustrating a non-face-to-face information registration system for a won-dollar exchange rate fixed transaction according to another embodiment of the present invention.

In more detail, in Figure 16, a customer who subscribes to a predetermined gold reserve product to deal with the dollar exchange rate risk, through the predetermined information registration interface to the information registration system for the fixed information of the dollar exchange rate, the customer information, futures commitment amount When the futures exchange transaction agreement information including at least one information, a futures exchange due date information, and a futures exchange transaction agreement information is provided, the customer information included in the futures exchange transaction agreement information provided in the information registration system, the futures exchange agreement amount information, and the futures exchange due date information The present invention relates to a system configuration for linking and processing future exchange transaction consent information to a predetermined storage medium 1630, and those skilled in the art to which the present invention pertains may refer to or modify this drawing. Various implementation methods can be inferred for configuring the information registration system for exchange rate fixed transactions. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, a configuration corresponding to at least one means or functional configuration for storing, on the storage medium 1630, the future exchange transaction agreement information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 1600" for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, the information registration system for the fixed dollar exchange rate exchange transaction includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 1600 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 1600 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 information. When inputting (or selecting) forward exchange transaction agreement information for the won-dollar exchange rate fixed transaction through at least one user interface provided by the registration server 1600, the client terminal is provided on the information registration system through a predetermined network means. It is preferable to transmit to the information registration server 1600 provided in.

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

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

The information registration server 1600 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, 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.

The network means for connecting the client terminal and the information registration server 1600 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks 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 information registration server 1600, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 1600. 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 information registration server 1600) 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 above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the information registration server 1600. The customer performs the function of the information registration interface for registering the futures exchange transaction agreement information for the fixed dollar exchange rate.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), 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 one affiliated with the financial institution Terminal (or server) (not shown) provided in the engine of the further may be included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the information registration server 1600 The financial network that connects the customer performs a function of an information registration interface for registering the futures exchange transaction agreement information for the fixed dollar exchange rate exchange transaction, or if the information registration terminal is the call terminal (not shown), A wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1600 may allow the customer to register future exchange transaction agreement information for the won-dollar exchange rate fixing transaction. A terminal (or server) provided at an institution affiliated with the financial institution, which performs the function of an information registration interface or is the information registration terminal ( In the case of (omission), a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 1600 may allow the customer to execute the won dollar exchange rate fixing transaction. To perform the function of the information registration interface for registering the futures exchange transaction agreement information.

The storage medium 1630 provided on the information registration system according to the present invention includes the customer information, the future exchange contract amount information, the future exchange due date information, and the future exchange transaction agreement information included in the future exchange transaction agreement information provided from the information registration terminal. And storing at least one of the customer information, the futures contract amount information, the futures exchange due date information, and the futures exchange transaction agreement information stored in the storage medium 1630. The futures exchange transaction agreement information is used for the won dollar exchange rate fixed transaction.

The customer information may include personal information of the customer (e.g., an individual or a corporation) (e.g., the name (or name) of the customer, a social security number (or corporate registration number), a business registration number, an address, a telephone number, a mobile phone number, E-mail address, etc.), and customer information (e.g., a customer provided on the financial system associated with the gold reserve product subscription system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

Preferably, the futures exchange contract amount information includes a futures exchange contract amount which is calculated to be less than or equal to the dollar conversion amount of the accumulated gold.

The futures exchange expiration date information preferably includes one-dollar futures expiration date (eg, 1, 2, 3, 6, 9, 12 months, etc.).

The futures exchange transaction consent information preferably includes signature information or seal information of the customer that agrees to the futures exchange transaction in preparation for the won-dollar exchange rate risk in operating the gold reserve product.

According to one embodiment of the invention, the storage medium 1630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1630 includes at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 1600 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). Or at least one program recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 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 information registration server 1600 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( 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 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 information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 1600 is located on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) 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 in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1600 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1600 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( 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 a server on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1600 is characterized by comprising an interface unit 1605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

When the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network according to an embodiment of the present invention, the interface unit 1605 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1605 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 information registration server 1600, the interface unit 1605 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 embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1605 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1600, the interface unit 1605 is based on the CDMA protocol with the client terminal. 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 embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1605 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 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 embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1605 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1605 provides a communication interface for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1605 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 16, the information registration server 1600 connects a communication channel with the information registration server 1600 through the interface unit 1605 after a predetermined information registration terminal is connected to the interface unit 1605. An interface providing unit 1610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined forward exchange transaction agreement information from the information registration terminal to the information registration terminal; An information receiving unit 1615 for receiving predetermined forward exchange transaction agreement information input (or selected) and transmitted from the information registration terminal through the user interface in cooperation with an interface unit 1605, and the received forward exchange agreement information. The customer information, futures contract amount information, futures expiration date information, and futures exchange transaction agreement information are interlinked and stored in a predetermined storage medium 1630. Characterized in that information formed by a storage unit (1625).

The interface providing unit 1610 connects a communication channel with the information registration server 1600 through the interface unit 1605 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) futures exchange transaction agreement information and transmitting it to the information registration server 1600 through the network means, or extracting from a predetermined database (not shown), and the interface unit. In operation 1605, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) futures exchange transaction agreement information including at least one of the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information based on the user interface, (Or selected) forward exchange transaction agreement information is transmitted to the information registration server 1600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 1610 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1610 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1605.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1610 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 1605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 1610 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 1605. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1610 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1605.

According to another exemplary embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the forward exchange transaction agreement information to the information registration server 1600 through the network means is transmitted to the information registration terminal. When the information registration program is provided, the interface providing unit 1610 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 1615 inputs (or selects) future exchange transaction agreement information including at least one of customer information, future exchange contract amount information, future exchange due date information, and future exchange transaction agreement information through the user interface at the information registration terminal. When the transmission is performed through the network means, the future exchange transaction agreement information is received in cooperation with the interface unit 1605, and the received future exchange transaction agreement information is provided to the validity confirming unit 1620.

The validity confirming unit 1620 may verify whether the futures exchange transaction agreement information received from the information registration terminal satisfies the validity for the won dollar exchange rate fixed transaction.

According to an embodiment of the present invention, the validity of the futures exchange transaction agreement information may be determined by registering at least one ledger information matching the futures exchange transaction agreement information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, the validation of the futures exchange transaction agreement information includes checking whether the customer information included in the futures exchange transaction agreement information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity confirmation of the futures exchange transaction agreement information is to check the account information (or financial product information) corresponding to the customer information included in the futures exchange transaction agreement information to the ledger D / B on the financial system associated with the information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validity check of the futures exchange transaction agreement information is preferably made to include checking whether the futures exchange transaction amount information included in the futures exchange transaction agreement information exceeds the dollar conversion amount of the accumulated gold of the customer.

When the validity of the futures exchange transaction agreement information is confirmed, the information storage unit 1625 stores and stores the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information in the future exchange transaction agreement information. And storing the information when the storage medium 1630 is provided in the information registration server 1600 or on the network associated with the information registration server 1600. The unit 1625 preferably stores the information on the storage medium 1630 by integrating the customer information, the future exchange contract amount information, the future exchange due date information, and the future exchange transaction agreement information. When the medium 1630 is provided in the DBMS provided on the financial system, the information storage unit 1625 includes the customer information and the gift pill included in the received forward exchange transaction information. It is preferable to provide fixed amount information, futures exchange due date information, and futures exchange transaction consent information to the information system through an external system on the financial system and store it in a DBMS provided on the financial system.

FIG. 17 is a diagram illustrating a process of registering forward exchange transaction agreement information in a non-face-to-face manner for a fixed dollar exchange rate transaction according to an embodiment of the present invention.

In more detail, FIG. 17 shows a case where the information registration server 1600 on the information registration system shown in FIG. 16 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 1600 to connect the communication channel for information registration according to the present invention, the customer information, futures commitment amount information, futures due date information, through the communication channel to the information registration server 1600, When the futures exchange transaction agreement information including the futures exchange agreement information is transmitted, the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information included in the received futures exchange transaction agreement information are transmitted from the information registration server 1600. As an embodiment of the present invention relates to a method for linking and storing in a predetermined storage medium 1630, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for registering the futures exchange transaction agreement information from the client terminal to the information registration server 1600 by referring to or modifying the drawing 17. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the client terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the information registration server 1600 shown in FIG. 16 is called "server" for convenience, and the information is registered in the client terminal. The customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information transmitted to the server 1600 are referred to as "gift exchange transaction agreement information" for convenience.

Referring to Figure 17, the client terminal shown in Figure 16 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile) A predetermined communication channel for registering the futures exchange transaction agreement information by accessing the server through a communication network or an IEEE 802.16x based mobile Internet), and registering the futures exchange transaction agreement information for the won-dollar exchange rate fixed transaction. Upon request (1700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the futures exchange transaction agreement information (1705), and generates (or extracts) the data through the communication channel. The web page is transmitted to the terminal and output (1710).

According to an embodiment of the present invention, the information registration interface inputs (or selects) future exchange transaction agreement information including at least one of the customer information, future exchange agreement amount information, future exchange due date information, and future exchange transaction agreement information at the terminal. It is preferable to include a user interface.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the future exchange transaction agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) future exchange transaction agreement information including at least one or more customer information, futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information (1715).

If the terminal inputs (or selects) the future exchange transaction agreement information including the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information (1720), the terminal receives the communication through the information registration interface. The inputted (or selected) customer information, futures contract amount information, futures expiration date information, and futures exchange transaction consent information are transmitted to the server through a channel (1725).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) customer information, futures contract amount information, futures exchange due date information, and futures exchange transaction consent information to the server through the communication channel is provided through the information registration interface. The electronic device may further include transmitting the input (or selected) futures exchange transaction agreement information to the server by digitally signing or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information through the communication channel to confirm the validity of the futures exchange transaction agreement information (1730).

According to an embodiment of the present invention, verifying the validity of the futures exchange transaction agreement information may include decrypting the futures exchange transaction agreement information when the futures exchange transaction agreement information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or further comprising decrypting the futures exchange transaction agreement information.

According to an embodiment of the present invention, the validity of the futures exchange transaction agreement information may be determined by registering at least one ledger information matching the futures exchange transaction agreement information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, the validation of the futures exchange transaction agreement information includes checking whether the customer information included in the futures exchange transaction agreement information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity confirmation of the futures exchange transaction agreement information is to check the account information (or financial product information) corresponding to the customer information included in the futures exchange transaction agreement information to the ledger D / B on the financial system associated with the information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validity check of the futures exchange transaction agreement information is preferably made to include checking whether the futures exchange transaction amount information included in the futures exchange transaction agreement information exceeds the dollar conversion amount of the accumulated gold of the customer.

If the validity of the forward exchange transaction agreement information is not authenticated (1735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1740), and corresponds to the forward exchange transaction agreement information. Do not perform the information registration procedure.

On the other hand, if the validity of the forward exchange transaction agreement information is authenticated (1735), the server performs an information registration procedure corresponding to the forward exchange transaction agreement information, thereby providing the customer information, the future exchange agreement amount information, the future exchange due date information, and the future exchange transaction agreement. The information is linked and stored in a predetermined storage medium 1630 (1745).

According to one embodiment of the invention, the storage medium 1630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1630 includes at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1750), thereby completing the procedure of registering the future exchange transaction agreement information transmitted from the terminal.

18A and 18B illustrate a process of registering forward exchange transaction agreement information in a non-face-to-face manner for a fixed dollar exchange rate transaction according to another embodiment of the present invention.

In more detail, FIGS. 18A and 18B show a case in which the information registration system shown in FIG. 16 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal transmits the predetermined futures exchange transaction agreement information for the fixed dollar exchange rate exchange transaction to the Internet banking server. When the futures exchange transaction agreement information including the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information is transmitted, the customer information included in the received futures exchange transaction agreement information and the futures exchange agreement information The futures exchange due date information and the futures exchange transaction agreement information to be stored in a predetermined storage medium 1630. As a method of implementation, those skilled in the art to which the present invention pertains may refer to or modify the drawings 18a and 18b to transfer the futures exchange transaction agreement information from the client terminal to the information registration server 1600. Various implementation methods for registering may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 18A and 18B.

That is, when the browser program 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. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the futures exchange transaction agreement information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, 18A and 18B refer to or modify an internet banking-based financial transaction channel connection method using a browser program, and based on a predetermined internet banking program mounted on the client terminal, a forward exchange transaction between the client terminal and the internet banking server is performed. Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of static information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 18a and 18b, in addition to the Internet banking system, a telebanking system or wireless Another banking system, such as a 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 future exchange transaction information. However, the present invention provides the telebanking system or the wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is limited to the case of the Internet banking shown in FIGS. 18A and 18B. Is never.

18A and 18B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1600 is referred to as " server " for convenience.

18A and 18B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1800a), the server communicates between the terminal and the server through the browser. (1805a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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 ( 1810a).

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

If a predetermined security module is mounted or updated in the terminal (1815a), 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 1820a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1825a), or if the terminal does not need to load or update the Internet banking security module (1815a), 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) (1830a), where the security channel for internet banking is 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 confirms the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and is defined in the information (or data) to be provided to the server for registering the forward exchange transaction information in the terminal. When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registering a forward exchange transaction agreement information in the terminal. , Or at least one encryption method ( Or encrypting the data using an encryption algorithm) so that the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1835a).

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.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1840a). In operation 1845a, the server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1850a), the server blocks the Internet banking security channel for the terminal (1855a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1850a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1860a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined futures exchange transaction agreement information for a fixed dollar exchange rate exchange transaction from the terminal to the server.

Subsequently, when the terminal requests the Internet banking based future exchange transaction information registration to the server through the inter-banking based financial transaction channel to register the future exchange transaction agreement information (1800b), the server registers the future exchange transaction agreement information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (1805b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1810b). ).

According to an embodiment of the present invention, the information registration interface is an interface for inputting (or selecting) futures exchange transaction agreement information including at least one of customer information, futures exchange agreement amount information, futures exchange due date information, and futures exchange transaction agreement information in the terminal. It is preferably made, including, or a predetermined password (eg, account password, etc.) or security code to verify the validity of the Internet banking customer requesting registration of the futures exchange transaction agreement information or the futures exchange transaction agreement information. For example, a security code printed on a security card issued to a customer during the internet banking application process or an OTP (One Time Password) (for example, an internet banking application process (or after an internet banking application). (Or one-time password generated through the OTP authentication program) It may further include a face.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the future exchange transaction agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) future exchange transaction agreement information including at least one of the customer information, future exchange agreement amount information, future exchange due date information, and future exchange transaction agreement information through the information registration interface (1815b).

If the terminal inputs (or selects) the future exchange transaction agreement information including the customer information, the futures exchange agreement amount information, the futures exchange due date information, and the futures exchange transaction agreement information (1820b), the terminal receives the financial information through the information registration interface. The input (or selected) forward exchange transaction agreement information is transmitted to the server through a trading channel (1825b).

According to an embodiment of the present invention, transmitting the input (or selection) of the forward exchange transaction agreement information through the financial transaction channel to the server may include the input or exchange of forward exchange transaction information input (or selected) through the information registration interface. It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the forward exchange transaction agreement information through the financial transaction channel to confirm the validity of the forward exchange transaction agreement information (1830b).

According to an embodiment of the present invention, verifying the validity of the futures exchange transaction agreement information may include decrypting the futures exchange transaction agreement information when the futures exchange transaction agreement information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or further comprising decrypting the futures exchange transaction agreement information.

In addition, the validity confirmation of the futures exchange transaction agreement information, it is preferable to further comprise authenticating a password or security code or OTP included in the futures exchange transaction agreement information.

According to the method of the present invention, the validity of the futures exchange transaction agreement information is registered at least one or more ledger information matching the futures exchange transaction information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether there is.

For example, the validation of the futures exchange transaction agreement information includes checking whether the customer information included in the futures exchange transaction agreement information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity confirmation of the futures exchange transaction agreement information is to check the account information (or financial product information) corresponding to the customer information included in the futures exchange transaction agreement information to the ledger D / B on the financial system associated with the information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validity check of the futures exchange transaction agreement information is preferably made to include checking whether the futures exchange transaction amount information included in the futures exchange transaction agreement information exceeds the dollar conversion amount of the accumulated gold of the customer.

If the validity of the futures exchange transaction agreement information is not authenticated (1835b), the server generates a web page including predetermined future exchange transaction agreement information registration error information and transmits it to the terminal (1840b), and the futures exchange transaction agreement Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the futures exchange transaction information is authenticated (1835b), the server performs an information registration procedure corresponding to the futures exchange transaction agreement information, so that the customer information, the futures exchange agreement amount information, The futures exchange expiration date information and the futures exchange transaction agreement information are interworked and stored in a predetermined storage medium 1630 (1845b).

According to one embodiment of the invention, the storage medium 1630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1630 includes at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined forward exchange transaction agreement information registration history information and transmits the generated web page to the terminal (1850b), thereby completing the registration of the forward exchange transaction agreement information transmitted from the terminal.

19 is a diagram showing a gold reserve product operating system for a fixed dollar currency exchange rate transaction according to an embodiment of the present invention.

More specifically, FIG. 19 subscribes to a gold reserve product including a futures exchange transaction through the gold reserve product subscription system shown in FIG. 1 or 8, or registers the forward exchange agreement information shown in FIG. 11 or FIG. The present invention relates to a system configuration for operating a gold reserve product based on the forward exchange contract information after a customer subscribes to a future redemption product through a system and applies for a futures redemption transaction. If you have, it will be possible to infer various implementation methods for the gold reserve product management system for operating the gold reserve product based on the forward exchange agreement information with reference to or modifying the present figure 19, the present invention is all inferred It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG. The.

Referring to FIG. 19 according to an embodiment of the present invention, the gold reserve product operating system stores the ledger information corresponding to the gold reserve product registered through the gold reserve product subscription system shown in FIG. 1 or 8. A gold reserve product management server (1900) for operating the gold reserve product based on the forward exchange agreement information in connection with the financial system and a storage medium for linking and storing a system, the gold reserve product information and the futures exchange agreement information. It characterized by comprising a.

Here, the storage medium is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or is provided on at least one banking system. All are possible, and the present invention is not limited thereby.

Further, the gold reserve product management server 1900 is a gold reserve product server on the gold reserve product subscription system shown in FIG. 1 or 8, or in conjunction with the gold reserve product server shown in FIG. 1 or FIG. It may be a separate server for operating the gold reserve product, or operate the gold reserve product based on the forward exchange agreement information, whereby the present invention is not limited.

In addition, in FIG. 19, the gold reserve product management server 1900 is connected to the financial system and receives a gold sale request from a customer, and upon the gold sale request, the gold reserve product information stored in the storage medium. Although the configuration includes a function for periodically checking the forward exchange agreement information and a function configuration for operating the gold-eared goods based on the reserve product the forward exchange agreement information, the present invention is not limited thereto. It is apparent that the gold goods management server 1900 can be made through a separate server (or device) for each functional configuration.

The financial system is a general term for a computer system that stores ledger information corresponding to a gold reserve product subscribed through the gold reserve product subscription system shown in FIG. 1 or 8, and is basically a branch (and / or branch) of the financial institution. Branch offices) and at least one window terminal and a predetermined financial network (eg, a branch network). The at least one bank terminal provides a face-to-face financial transaction service for at least one financial transaction customer. to provide.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based 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 and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service 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 and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) 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 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. 19, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. 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 (and / or payment system), and / 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, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

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

The storage medium, through the gold reserve product subscription system shown in Figure 1 or 8, or through the information registration system shown in Figure 11 or 16, customer information, gold reserve product subscription information, futures exchange transaction information As the generic term of the storage means for storing the storage medium, the storage medium 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 at least one or more It is all possible to be provided on the banking system.

Referring to FIG. 19, the gold reserve product management server 1900 may be a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network. At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is preferable that the interface unit 1905 includes a communication interface for transmitting and receiving data.

For example, when the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1905 connects a communication channel with the client terminal based on the TCP / IP protocol, A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the gold reserve product management server 1900, the interface unit 1905 is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the gold reserve product management server 1900, the interface unit 1905 is based on the CDMA protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1905 is defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established 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 1905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

Referring to FIG. 19, the gold reserve product management server 1900 may include an information receiver 1910 that receives gold trade request information including customer information from a terminal through the interface, and the received gold trade request information. The information confirmation unit 1920 confirms the gold reserve product information and the forward exchange agreement information corresponding to the customer information included in the storage medium, and the future transfer agreement information corresponding to the customer information (or the gold reserve product information). If present in, characterized in that it comprises a product management unit (1915) for operating the gold reserve product in accordance with the customer's gold sale request based on the gold reserve product information and the future exchange agreement information stored in the storage medium, According to the intention of the functional component may be composed of at least two or more functional components (or means or server) in more detail, The present invention is not limited by the.

The information receiving unit 1910 may be configured to receive the gold trading request information from the terminal through the interface, wherein the gold trading request information may include customer information, trading volume information, and gold trading account information. .

The information confirmation unit 1920 checks the gold reserve product information and the forward exchange agreement information corresponding to the customer information included in the gold sale request information received through the information receiving unit 1910 from the storage medium. The confirmed forward exchange agreement information is provided to the commodity management unit 1915.

The commodity management unit 1915, when the forward exchange agreement information corresponding to the customer information (or gold reserve product information) exists in the storage medium, based on the gold reserve product information and the forward exchange agreement information stored in the storage medium; It is characterized by operating a gold reserve product in accordance with the gold sale request.

For example, the commodity management unit 1915 performs a forward exchange transaction on the amount (or amount) requested by the customer based on the confirmed forward exchange agreement information in connection with the financial system, and thereby the gold trade request information. It performs a transaction processing (for example, withdrawal, transfer, etc.) corresponding to, and generates a transaction processing history corresponding to the transaction processing and records in the ledger provided on the financial system.

According to the present invention, the gold reserve product management server 1900 may be configured to further include an information transmission unit 1925 for transmitting the transaction processing details to the customer communication means.

20 is a diagram illustrating a gold reserve product operation process for a fixed won exchange rate exchange rate according to an embodiment of the present invention.

More specifically, FIG. 20 subscribes to a gold reserve product including a futures exchange agreement transaction through the gold reserve product subscription system shown in FIG. 1 or 8, or registers the forward exchange agreement information shown in FIG. 11 or FIG. After the existing gold credit product subscription customer through the system applied for a futures exchange agreement transaction, the process of operating the gold reserves based on the futures exchange agreement information, having a common knowledge in the technical field to which the present invention belongs Growing up, it is possible to infer various implementation methods for the process of operating the gold reserve product based on the forward exchange agreement information with reference to or modifying the present figure 20, the present invention includes all the implementation methods inferred The technical features are not limited only to the implementation method illustrated in FIG. 20.

Hereinafter, in FIG. 20, the customer terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the gold reserve product management server 1900 shown in FIG. 19 is referred to as "server" for convenience.

Referring to FIG. 20, a customer terminal shown in FIG. 19 connects to a server through a predetermined communication network to connect a predetermined communication channel for registering the gold trading request information, and the gold for the gold trading request. When requesting registration of the sale request information (2000), the server generates (or extracts) a predetermined information registration interface for registering the gold sale request information (2005), and generates (or extracts) through the communication channel. The information registration interface is transmitted to the terminal for output (2010).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) gold trading request information including at least one of the customer information, trading volume information, and gold trading account information. It is preferable to make.

Thereafter, the terminal inputs (or selects) gold trade request information including at least one or more customer information, trading volume information, and gold trading account information through the information registration interface (2015).

If the terminal receives (or selects) gold trading request information including the customer information, trading volume information, and gold trading account information through the information registration interface (2020), the terminal receives the input through the communication network ( Or selects) and transmits the gold trading request information including the selected customer information, trading volume information, and gold trading account information to the server (2015).

Thereafter, the server receives and reads the customer information, the trading volume information, and the gold trading account information through the financial network to check the validity of the gold trading request information (2030).

According to an embodiment of the present invention, the validity check of the gold trading request information includes whether at least one ledger information matching the gold trading request information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the gold trading request information includes checking whether the customer information included in the gold trading request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity check of the gold trading request information is the account information (or financial product information) corresponding to the customer information contained in the gold trading request information to the ledger D / B on the financial system associated with the information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validity check of the gold trading request information is preferably made to check whether the futures exchange agreement information corresponding to the customer information or account information included in the gold trading request information is stored in the storage medium.

If the validity of the gold trading request information is not authenticated (2035), the server processes the gold trading requested by the customer (2040) without a forward exchange transaction according to the present invention.

On the other hand, if the validity of the futures exchange transaction agreement information is authenticated (2035), the server processes the gold trading based on the futures exchange agreement amount information and the futures exchange due date information included in the futures exchange transaction agreement information (2045).

In operation 2050, the server associates the gold sale request information with the customer information and the gold reserve product information in a predetermined storage medium.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium is the financial It may be a ledger D / B provided in the DBMS on the system, or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

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

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2055), thereby completing the procedure of registering the gold transaction processing history information transmitted from the terminal.

According to the present invention, even if the international gold price rises through the futures exchange agreement, there is an advantage that the won-dollar exchange rate can be fixed and gold-related products can be stably operated.

Claims (3)

Storing, by the server, a new or pre-registered gold reserve product information and a forward exchange transaction agreement information in a storage medium; Receiving gold purchase request information provided from a terminal through a network at a server; Checking, by the server, gold reserve product information and forward exchange transaction agreement information corresponding to the customer information included in the received gold trade request information from the storage medium; And When forward exchange transaction agreement information corresponding to the customer information (or gold reserve product information) exists in the storage medium, a request for a gold sale by the customer based on the gold reserve product information and the future exchange transaction agreement information stored in the storage medium by the server A method for operating a gold reserve product, characterized in that it comprises a; A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. A storage medium for linking and storing new or pre-registered gold reserve product information and futures exchange transaction agreement information; A terminal for transmitting gold trading request information including customer information to a server through a network; A server for checking the gold reserve product information and the future exchange transaction agreement information corresponding to the customer information included in the received gold trade request information from the storage medium, and operating the gold reserve product based on the confirmed future exchange transaction agreement information. Gold reserve product management system comprising a.

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