KR20090114280A - Method and System for Buying Bonds and Recording Medium - Google Patents

Abstract

PURPOSE: A method and a system for buying bonds and a recording medium therefor are provided to conveniently buy a bond through a bond buying agent using a reliable financial institution. CONSTITUTION: Bond buying application information including bond buying request information of a bond buying obligation customer stored in a storage medium is transmitted to a financial company server(925). The server checks effectiveness of the bond buying application information by receiving bond buying agent information and bond buying request information through a communication channel(930). If the effectiveness about the bond buying application information is authenticated, the server generates document contents including at least one bond buying agent information and bond buying request information(935,945).

Description

Method and system for processing bond purchases and recording medium therefor {Method and System for Buying Bonds and Recording Medium}

1 is a diagram illustrating an information registration system for a bond purchase agent according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering bond purchase request information according to an embodiment of the present invention.

3 is a diagram illustrating an information registration system for a bond purchase agent according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering bond purchase request information for a bond purchase agent according to another embodiment of the present invention.

5 is a diagram illustrating a bond issuance processing system for issuing bonds through a bond purchase agent on a non-facing channel according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an implementation method in which a storage medium for storing bond issuance information corresponding to a bond issued according to one embodiment of the present invention is provided in a DBMS on a financial system.

FIG. 7 illustrates an implementation method in which a storage medium storing bond issuance information corresponding to a bond issued according to another embodiment of the present invention includes a database associated with the ledger D / B provided in a DBMS on a financial system. Drawing.

FIG. 8 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium for storing bond issuance information corresponding to a bond issued according to another embodiment of the present invention is provided.

9A and 9B illustrate a process of issuing a bond through a bond purchase agent on a non-facing channel according to one embodiment of the present invention.

10A, 10B, and 10C are diagrams illustrating a process of issuing a bond through a bond purchase agent on a non-facing channel according to one embodiment of the present invention.

<Description of main parts of drawing>

500: financial company server 505: interface unit

510: interface providing unit 515: information receiving unit

520: Validation unit 525: Electronic document generation unit

530: electronic document transmission unit 535: information generating unit

540: purchase amount processing unit 545: bond issuer

550: information storage unit 555: information transmission unit

560: storage medium 565: electronic document server

570: electronic document receiving unit 575: information generating unit

580: Electronic document storage unit 585: Electronic document D / B

The present invention stores the bond purchase request information-customer information, agent delegation information, immediate selling / bond holding information-of the obligation to purchase bonds in the bond buying agent terminal in a predetermined storage medium, Transmitting the bond purchase request information including the bond purchase request information of the bond purchase obligation customer stored in the storage medium to the financial company server through the face-to-face channel, and the financial company server corresponding to the bond purchase request information from the bond purchase agent account; It relates to a bond purchase processing method comprising withdrawing a bond purchase price, and issuing and processing a bond.

An object of the present invention for solving the above problems, the bond purchase request information of the customer who is obliged to purchase bonds-customer information, agent delegation information, immediate sale / bond holding information-to store in a predetermined storage medium, and the non-facing channel A bond purchase agent terminal that transmits the bond purchase request information including the bond purchase request information of the bond purchase obligation customer stored in the storage medium to a financial institution server, and when the bond purchase request information is received, the bond from the bond purchase account; The present invention provides a bond purchase processing system including a financial company server for issuing and processing bonds and issuing bonds corresponding to purchase application information and transmitting the bond issuance details to the bond purchase agent terminal.

The bond purchase processing method according to the present invention comprises the steps of: storing the bond purchase request information-customer information, agent delegation information, immediate selling / bond holding information-of the bond purchase customer at the terminal of the bond purchase agent in a predetermined storage medium; And transmitting the bond purchase application information including the bond purchase request information of the bond purchase obligation customer stored in the storage medium through a non-face-to-face channel from the bond purchase agent terminal to the financial institution server, and the financial institution server from the bond purchase agent account. And withdrawing the bond purchase price corresponding to the bond purchase application information and issuing and processing the bond.

According to the present invention, the bond purchase processing method, the step of setting a withdrawal limit for the amount corresponding to the bond purchase price in the bond purchase customer account at the financial company server, the bond purchase from the account of the bond purchase agent at the financial company server If the withdrawal of the bond purchase price corresponding to the application information is confirmed, or the bond issuance processing is confirmed, the withdrawal of the bond purchase price from the bond purchase customer account automatically and the deposit processing to the account of the bond purchase agent; do.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described bond purchase processing method.

The bond purchase processing system according to the present invention stores the bond purchase request information-customer information, agent delegation information, immediate selling / bond holding information-of the debt purchase obligation customer on a predetermined storage medium, and through the non-face-to-face channel Bond purchase agent terminal for transmitting the bond purchase request information including the bond purchase request information of the bond purchase obligation customer stored in the storage medium to the financial institution server, and when the bond purchase request information is received, the bond purchase application from the account of the bond purchase agent And a financial institution server for issuing and processing a bond by issuing a bond purchase price corresponding to the information and transmitting the bond issuance details to the terminal for purchasing the bond.

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 illustrating an information registration system for a bond purchase agent according to an embodiment of the present invention.

In more detail, in Figure 1, a customer who wants to purchase a predetermined national housing bond, the customer information, agent delegation information, immediate sale / bond holding information for the bond purchase agent to the information registration system through a predetermined information registration interface When providing bond purchase request information including at least one or more information, the information registration system processes the customer information, agent delegation information, and immediate selling / bond holding information included in the provided bond purchase request information in a predetermined storage medium. As a system configuration stored in the 130, those skilled in the art to which the present invention pertains, various implementation methods for configuring the information registration system for the bond purchase agent by referring to or modifying this drawing 1 It may be inferred, but the present invention encompasses all implementation methods inferred and illustrated in FIG. It is not limited only to the implementation method.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the bond purchase request information provided from the customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the information registration system for the bond purchase agent, characterized in that it comprises an information registration terminal including a business terminal provided in at least one or more bond purchase agency The information registration terminal is connected to a communication channel with an information registration server 100 provided on the information registration system through a predetermined network.

According to an exemplary embodiment of the present invention, the customer visits the bond buying agency for the bond buying agent, and the bond buying agent through the work window provided in the bond buying agency (or through a teller). After completing a prescribed application form (e.g., a document with a form for filling in at least one item of information for a bond purchase agent), and submitting the completed application form to the business clerk, The information entered in the application is input (or selected) through, and the business terminal transmits the input (or selected) information to the information registration server 100 provided on the information registration system through the network. It is desirable to.

Here, the work terminal preferably comprises a manager terminal used by the teller staff provided in the bond buying agency, the network connecting the work terminal and the information registration server 100 is the work terminal and information registration It is preferable to include a dedicated network for connecting the communication channel between the server (100).

In the information registration system as described above, the application that the customer creates, the business terminal used by the teller and the network connecting the business terminal and the information registration server 100 is the customer for the bond purchase agent Performs the function of the information registration interface for registering the bond purchase request information.

The storage medium 130 provided on the information registration system according to the present invention links the customer information, agent delegation information, and immediate selling / bond holding information included in the bond purchase request information provided from the information registration terminal. Characterized in that the processing is stored in a predetermined storage medium 130, bond purchase request information including at least one or more of the customer information, agent delegation information, immediate selling / bond holding information stored in the storage medium 130 Is used for the bond purchase agent.

The customer information preferably comprises at least one or more of a bond purchase customer name, address, social security number, telephone number, mobile phone number, account number to purchase a predetermined national housing bond through the bond purchase agent.

The agent delegation information preferably comprises an attorney's delegation document that allows the bond purchase customer to purchase a predetermined national housing bond on behalf of the bond purchase agent, and the attorney's delegation document includes a bond purchase amount, It is preferable to include information on the date of purchase and the obligation of the customer to purchase the bond.

Preferably, the information on whether the immediate sale / bond holding information includes information on the disposal method after purchase of the bond purchased by the debt buying customer through the bond buying agent, and the bond buying agent after the bond purchase, The trade receivables are processed according to the information on the immediate sell / bond holdings.

The information registration server 100 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 network, and includes at least one server (or device). It may be implemented to include, 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, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network.

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

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface provider 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined bond purchase request information from the information registration terminal and providing the information to the information registration terminal; An information receiving unit 115 for receiving predetermined bond purchase request information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; and the received bond purchase request information. Validation unit 120 for verifying the validity, and the customer information contained in the validity of the bond purchase request information, agent delegated information, immediate sale / bond holdings Processing the unit information linked to is characterized in that formed in an information storage unit 125 to store in a storage medium 130.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) bond purchase request information to the information registration server 100 through the network, or extracting from a predetermined database (not shown), and extracting the interface unit ( And the user interface generated (or extracted) in cooperation with 105) to the information registration terminal through the network.

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the bond purchase request information to the information registration terminal and transmitting the information to the information registration server 100 through the network. When the registration program is provided, the interface providing unit 110 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) bond purchase request information including at least one of the customer information, agent delegation information, and immediate selling / bond holding information based on the user interface, and the input (or The bond purchase request information is sent to the information registration server 100 through the network.

According to an embodiment of the present invention, when the information registration terminal is a business terminal connected to a predetermined network, the interface providing unit 110 provides a predetermined user interface that can be provided by an information registration related program included in the business terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the work terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) bond purchase request information including at least one of customer information, agent delegation information, and immediate selling / bond holding information on the user interface through the user interface. When transmitting through, it is characterized in that for receiving the bond purchase request information in conjunction with the interface unit 105, and provides the received bond purchase request information to the validity verification unit 120.

The validity confirming unit 120 checks whether the bond purchase request information received from the information registration terminal satisfies the validity for the bond purchase agent.

According to the method of the present invention, the validity of the bond purchase request information is determined whether at least one ledger information matching the bond purchase 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, the validity check of the bond purchase request information confirms whether the customer information included in the bond purchase request information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

When the validity of the bond purchase request information is confirmed, the information storage unit 125 processes the customer information, agent delegation information, and immediate selling / bond holding information included in the bond purchase request information in association with the storage medium ( 130, and when the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit ( 125 is preferably stored in the storage medium 130 by linking the customer information, the agent delegation information, the immediate sell / bond holding information included in the received bond purchase request information, the storage medium 130 Is provided in the DBMS provided on the financial system, the information storage unit 125 the customer information included in the received bond purchase request information, agent delegation information, immediately sell / bond holding information when the financial To step through the available information on the FEP system and is preferably stored in a DBMS provided on the financial system.

2 is a diagram illustrating a process of registering bond purchase request information according to an embodiment of the present invention.

In more detail, Figure 2 shows that a customer who wants to purchase a given national housing bond is required to sell customer information, agent delegation information, and immediate sale for the bond purchase agent to the information registration system shown in Figure 1 through a predetermined information registration interface. If the bond purchase request information including at least one claim holding information is provided, the information registration system links the customer information, agent delegation information, and immediate selling / bond holding information included in the bond purchase request information provided. The process of processing and storing in a predetermined storage medium 130, and those skilled in the art to which the present invention pertains, the information registration process for the bond purchase agent by referring to or modifying the figure 2 Various implementations may be inferred, but the present invention encompasses all implementations inferred above, as shown in FIG. Indicated is not limited only exemplary method.

Hereinafter, in FIG. 2, the business terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration in the business terminal The customer information, agent delegation information, and immediately sell / bond holding information transmitted to the server 100 is referred to as "bond purchase request information" for convenience.

Referring to FIG. 2, a business terminal shown in FIG. 1 connects to a server through a predetermined network, connects a predetermined communication channel for registering the bond purchase request information, and the bond for the bond purchase agent. When requesting registration of purchase request information (200), the server generates (or extracts) a predetermined information registration interface for registering the bond purchase request information (205), and generates (or extracts) through the communication channel. The transmitted information registration interface is output to the terminal (210).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) bond purchase request information including at least one of the customer information, agent delegation information, and immediate selling / bond holding information on the terminal. It is preferable to comprise a.

Thereafter, the terminal inputs (or selects) bond purchase request information including at least one or more customer information, agent delegation information, and immediate selling / bond holding information through the information registration interface (215).

If the terminal receives (or selects) bond purchase request information including the customer information, agent delegation information, and immediate selling / bond holding information through the information registration interface (220), the terminal receives the information through the network. In operation 225, the bond purchase request information including the input (or selected) customer information, agent delegation information, and immediate sale / bond holding information is transmitted to the server.

Thereafter, the server checks the validity of the bond purchase request information by receiving and reading the customer information, agent delegation information, and immediate selling / bond holding information through the network (230).

According to the method of the present invention, the validity of the bond purchase request information is determined whether at least one ledger information matching the bond purchase 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, the validity check of the bond purchase request information confirms whether the customer information included in the bond purchase request information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

If the validity of the bond purchase request information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240) and performs an information registration procedure corresponding to the bond purchase request information. Do not perform.

On the other hand, if the validity of the bond purchase request information is authenticated (235), the server performs the information registration procedure corresponding to the bond purchase request information, so that the customer information, agent delegation information, immediately sell / bond holding information Cooperative processing is performed to store in a predetermined storage medium 130 (245).

According to one embodiment of the invention, the storage medium 130 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 130 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 130 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 (250), thereby completing the procedure of registering the bond purchase request information transmitted from the terminal.

3 is a diagram illustrating an information registration system for a bond purchase agent according to another embodiment of the present invention.

In more detail, Figure 3 shows that the customer who wants to purchase a given national housing bond, the customer information, agent delegation information, immediately sell / bond holding information for the bond purchase agent to the information registration system through a predetermined information registration interface When providing bond purchase request information including at least one or more information, the information registration system processes the customer information, agent delegation information, and immediate selling / bond holding information included in the provided bond purchase request information in a predetermined storage medium. As a system configuration stored in 330, those skilled in the art to which the present invention pertains, various implementation methods for the information registration system configuration for the bond purchase agent by referring to or modifying the present figure 3 It may be inferred, but the present invention encompasses all implementation methods inferred, as shown in FIG. It is not limited only to the implementation method.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the bond purchase request information provided from the customer on the storage medium 330 through a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 300" for convenience.

Referring to FIG. 3 according to the embodiment of the present invention, the information registration system for the agent for the purchase of bonds, the information registration including at least one or more client terminals, including at least one or more wired terminals or wireless terminals used by the customer Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the information registration server 300 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 300 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 the bond purchase request information for the bond purchase agent is input (or selected) through at least one user interface provided by the registration server 300, the client terminal is provided on the information registration system through a predetermined network means. It is preferable to transmit to the registered information registration server 300.

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.

In addition, the information registration server 300 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.

In addition, the network means for connecting the client terminal and the information registration server 300 is based on the CDMA-based mobile communication network or IEEE 802.16x-based portable Internet or DataTAC / Mobitex-based depending on the type of wireless communication network connected to the client terminal Any one of the wireless 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 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. 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 information registration server 300, etc.) is provided.

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

In the 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 300. The customer performs the function of the information registration interface for registering the bond purchase request information for the bond purchase agent.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and 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 information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) connect the information registration server 300 The wired telephone network or the wireless telephone network performs a function of an information registration interface for the customer to register bond purchase request information for the bond purchase agent, or a terminal provided in an institution affiliated with the financial institution that is the information registration terminal ( Or a server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 300 is purchased by the customer. Functions as an information registration interface for registering bond purchase request information for proxy

The storage medium 330 provided on the information registration system according to the present invention links the customer information, agent delegation information, and immediate selling / bond holding information included in the bond purchase request information provided from the information registration terminal. Characterized in that the processing is stored in a predetermined storage medium 330, the bond purchase request information including at least one or more of the customer information, agent delegation information, immediately selling / bond holding information stored in the storage medium 330 Is used for the bond purchase agent.

The customer information preferably comprises at least one or more of a bond purchase customer name, address, social security number, phone number, mobile phone number, account number to purchase a predetermined national housing bond through the bond purchase agent.

The agent delegation information preferably comprises an attorney's delegation document that allows the bond purchase customer to purchase a predetermined national housing bond on behalf of the bond purchase agent, and the attorney's delegation document includes a bond purchase amount, It is preferable to include information on the date of purchase and the obligation of the customer to purchase the bond.

Preferably, the information on whether the immediate sale / bond holding information includes information on the disposal method after purchase of the bond purchased by the debt buying customer through the bond buying agent, and the bond buying agent after the bond purchase, The trade receivables are processed according to the information on the immediate sell / bond holdings.

According to one embodiment of the invention, the storage medium 330 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 330 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 330 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 300 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 network means, and includes at least one server (or apparatus). ), 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, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 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, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 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 provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 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 305 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 305 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 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another 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 305 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 305 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. .

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined bond purchase request information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined bond purchase request information transmitted by inputting (or selecting) from the information registration terminal through the user interface in association with the interface unit 305, and the received bond purchase request information; It is provided with an information storage unit 325 for storing in a predetermined storage medium 330 by processing the customer information, agent delegation information, immediate sale / bond holding information included in the Characterized in that where the lure.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) bond purchase request information to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and the interface unit. In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) bond purchase request information including at least one of the customer information, agent delegation information, and immediate selling / bond holding information based on the user interface, and the input (or The bond purchase request information is transmitted to the information registration server 300 through the 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 310 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 305.

According to another exemplary 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 providing unit 310 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 305.

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 310 may be provided to the call terminal (not shown). Generating (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 305. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the bond purchase request information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. When the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiver 315 inputs (or selects) bond purchase request information including at least one of customer information, agent delegation information, and immediate selling / bond holding information on the user interface through the user interface. When transmitting through the means, it is characterized in that for receiving the bond purchase request information in conjunction with the interface unit 305, and provides the received bond purchase request information to the validity verification unit 320.

The validity confirming unit 320 checks whether the bond purchase request information received from the information registration terminal satisfies the validity for the bond purchase agent.

According to the method of the present invention, the validity of the bond purchase request information is determined whether at least one ledger information matching the bond purchase 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, the validity check of the bond purchase request information confirms whether the customer information included in the bond purchase request information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

When the validity of the bond purchase request information is confirmed, the information storage unit 325 processes the customer information, agent delegation information, and immediate selling / bond holding information included in the bond purchase request information in the storage medium ( And the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300. 325 is preferably stored in the storage medium 330 by linking the customer information, agent delegation information, immediate sell / bond holding information included in the received bond purchase request information, the storage medium 330 Is provided in the DBMS provided on the financial system, the information storage unit 325 at the time of the financial information of the customer information, agent delegation information, immediately selling / bond holding information included in the received bond purchase request information To step through the available information on the FEP system and is preferably stored in a DBMS provided on the financial system.

4 is a diagram illustrating a process of registering bond purchase request information for a bond purchase agent according to another embodiment of the present invention.

In more detail, Figure 4 shows that a customer who wants to purchase a predetermined national housing bond is required to sell customer information, agent delegation information, and immediate sale for the bond purchase agent to the information registration system shown in Figure 3 through a predetermined information registration interface. If the bond purchase request information including at least one claim holding information is provided, the information registration system links the customer information, agent delegation information, and immediate selling / bond holding information included in the bond purchase request information provided. The process is to process and store in a predetermined storage medium 330, and those skilled in the art to which the present invention pertains, the information registration process for the bond purchase agent by referring to or modifying the figure 4 Various implementations may be inferred, but the present invention includes all implementations inferred above, as shown in FIG. Indicated is not limited only exemplary method.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information, agent delegation information, and immediately sell / bond holding information transmitted to the server 300 is referred to as "bond purchase request information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 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 Accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., connecting a predetermined communication channel for registering the bond purchase request information, and requesting registration of the bond purchase request information for the bond purchase agent. (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the bond purchase request information (405), and generates (or extracts) the web page through the communication channel. Transmit and output to the terminal (410).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) bond purchase request information including at least one of the customer information, agent delegation information, and immediate selling / bond holding information on the terminal. It is preferable to comprise a.

In addition, the web page transmission or output process is preferably performed at least once according to the bond purchase request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) bond purchase request information including at least one or more customer information, agent delegation information, and immediate selling / bond holding information through the information registration interface (415).

If the terminal receives (or selects) bond purchase request information including the customer information, agent delegation information, and immediate selling / bond holding information through the information registration interface (420), the terminal establishes the communication channel. Through the input (or selection) of the customer information, agent delegation information, immediately sell / bond holding information is transmitted to the server (425).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, agent delegation information, and immediate selling / bond holding information to the server through the communication channel is input through the information registration interface ( Or select) the bond purchase request information through an electronic signature or encryption through a security module provided in the terminal to transmit to the server.

Thereafter, the server receives and reads the customer information, agent delegation information, and immediate selling / bond holding information through the communication channel to check the validity of the bond purchase request information (430).

According to an embodiment of the present invention, verifying the validity of the bond purchase request information includes decrypting the bond purchase request information when the bond purchase request information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or further comprising decoding the bond purchase request information.

According to the method of the present invention, the validity of the bond purchase request information is determined whether at least one ledger information matching the bond purchase 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, the validity check of the bond purchase request information confirms whether the customer information included in the bond purchase request information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include what is included.

If the validity of the bond purchase request information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), corresponding to the bond purchase request information. Do not perform the information registration procedure.

On the other hand, if the validity of the bond purchase request information is authenticated (435), the server performs the information registration procedure corresponding to the bond purchase request information, so that the customer information, agent delegation information, immediately sell / bond holding information In operation 445, the data is stored in a predetermined storage medium 330.

According to one embodiment of the invention, the storage medium 330 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 330 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.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the bond purchase request information transmitted from the terminal.

5 is a diagram illustrating a bond issuance processing system for issuing bonds through a bond purchase agent on a non-facing channel according to one embodiment of the present invention.

In more detail, FIG. 5 illustrates that when a predetermined customer provides bond purchase application information including at least one predetermined bond purchase agent information and bond purchase request information to the financial institution through a predetermined bond purchase application interface, In the technical field of the present invention relates to a system for processing a bond issuance through the bond purchase agent based on the bond purchase application information, and stores the bond issuance information in a predetermined storage medium 560, Those skilled in the art will be able to infer various implementation methods for the composition of the bond issuance processing system for issuing bonds through the bond purchase agent by referring to or modifying the drawing 5, but the present invention is intended to implement all the inferred embodiments. It includes a method, and is not limited to the embodiment method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer a configuration of a bond issuance processing system that omits the method of storing the bond issuing electronic document in the electronic document repository by referring to or modifying the drawing 5. Also, in the case where the bond issuing electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 5, the electronic document storage is provided in a DBMS located in the bond issuing processing system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 5, the bond issuing electronic document is illustrated as being generated on the server side on the bond issuing processing system, but the present invention is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) the bond purchase application information and transmits the information (eg, the electronic document generation function provided on the server side to generate the bond issue electronic document). The present invention is not limited thereto.

Hereinafter, the bond issuance information is received from the customer through a predetermined bond purchase application interface on the bond issuance processing system shown in FIG. 5 to issue the bond, and a corresponding bond issuing electronic document is generated. The component corresponding to at least one or more means or functional configuration for storing in a predetermined electronic document storage is referred to as "financial company server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a bond issuance processing system for issuing a bond through the bond buying agent includes a client terminal including at least one wired terminal or a wireless terminal used by the bond buying agent. It characterized in that it comprises a terminal device including at least one, the terminal device is connected to the communication channel and the financial institution server 500 provided on the bond issuance processing system through a predetermined network means.

According to an embodiment of the present invention, the bond purchase agent is connected to the financial institution server 500 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, Entering (or selecting) bond purchase application information for issuing bonds through the bond purchase agent through at least one user interface provided by the financial institution server 500, the client terminal issues the bond through a predetermined network means. It is preferable to transmit to the financial institution server 500 provided on the processing 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 Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. 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 IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the financial institution server 500 connected to the client terminal may be any one of 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.

In addition, the network means for connecting the client terminal and the financial institution server 500 may be a CDMA based (or HSDPA based) mobile communication network or an IEEE 802.16x based portable Internet or IEEE 802.11 depending on the type of wireless communication network to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 500, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 500. (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 500) are preferably 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-mentioned bond issuance processing system, a client terminal including at least one wired terminal or a wireless terminal used by the bond purchase agent, and at least one wired communication network connecting the client terminal and the financial company server 500 or The wireless communication network performs a function of a bond purchase application interface for the bond purchase agent to register bond purchase application information for issuing the bond.

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 bond issuance processing system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 500 are used. The connecting financial network performs a function of a bond purchase application interface for registering the bond purchase application information for the bond purchase agent to issue bonds through the bond buying agent, or the terminal device is connected to the call terminal (not shown). In the case of a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 500, the bond purchase agent is a bond for issuing bonds through the bond buying agent. A device that performs a function of a bond purchase request interface for registering purchase request information or is affiliated with the financial institution that is the terminal device. In the case of a terminal (or server) (not shown) included in the network, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial institution server 500 is the bond. A purchase agent performs a function of a bond purchase request interface for registering bond purchase request information for issuing a bond through the bond purchase agent.

The storage medium 560 provided on the bond issue processing system according to the present invention includes at least one bond purchase agent information and bond purchase request information included in the bond purchase application information provided from the terminal device. Characterized in that the issue information is stored.

The bond purchase agent information includes personal information of the bond buying agent (eg, name of the bond buying agent, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the bond buying agent (eg, the bond buying agent). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked with the bond issuance processing system in response to the debt purchase agent by the agent joining the financial transaction customer of the financial institution. (Number) and the like).

In addition, the bond purchase agent information is preferably made further comprises registration information (or certificate information) for the bond purchase agent.

The bond purchase request information may include bond purchase obligation customer information, agent delegation information, and immediate selling / bond holding information, wherein the customer information is a bond to purchase a predetermined national housing bond through the bond buying agent. It is preferable to include at least one or more of the purchase obligation customer name, address, social security number, telephone number, mobile phone number, account number.

The agent delegation information preferably includes a delegation proof document for the debt purchase customer to buy a predetermined national housing bond on behalf of the bond purchase agent, and the delegation evidence document includes a bond purchase amount, It is preferable to include information on the date of purchase and the obligation of the customer to purchase the bond.

Preferably, the information on whether the immediate sale / bond holding information includes information on the disposal method after purchase of the bond purchased by the debt buying customer through the bond buying agent, and the bond buying agent after the bond purchase, The trade receivables are processed according to the information on the immediate sell / bond holdings.

According to one embodiment of the invention, the storage medium 560 is preferably provided in a DBMS on a financial system provided on the bond issuance processing system (or associated with the bond issuance processing system), wherein The storage medium 560 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 560 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the bond issuance processing system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial institution server 500 provided on the bond issuance processing system according to the present invention is a generic term for the components of the bond issuance system side connected to the terminal device through a predetermined network means, 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 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 financial institution server 500 may be configured on the internet banking system. A predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet 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 embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the financial institution server 500 is provided on the wireless banking system. A predetermined wireless banking server, a program included 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 to the server (or device). A program provided, 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 a program provided 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 financial institution server 500 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system 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 an embodiment of the present invention, the financial institution server 500 may include an interface unit 505 for connecting and managing a predetermined communication channel with the terminal device through the network.

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 505 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, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 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 financial institution server 500, the interface unit 505 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using the 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 505 may be configured 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 505 may be configured 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 505 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 financial institution server 500, the interface unit 505 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 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 505 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. .

Referring to FIG. 5, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, the financial institution server 500 issues a bond through the bond purchase agent. In order to generate (or extract) at least one user interface for inputting (or selecting) predetermined bond purchase application information from the terminal device to the financial institution server 500 and for linking with the interface unit 505. The interface providing unit 510 for providing the generated (or extracted) user interface to the terminal device, and when the terminal device inputs (or selects) the bond purchase application information through the user interface, And an information receiving unit 515 for receiving the bond purchase application information transmitted from the terminal device in association with the interface unit 505. It is characterized by losing.

The interface providing unit 510 connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, and then bonds the financial institution server 500 with the bond purchase agent. When requesting a user interface for issuing, at least one user interface for inputting (or selecting) predetermined bond purchase application information is transmitted from the terminal device to the financial institution server 500 through the network means, or Or extracting from a predetermined database (not shown) and providing the generated user interface (or extracted) to the terminal apparatus through the network means in association with the interface unit 505.

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 510 is provided by a browser program or a communication program provided in the client terminal. It is preferable 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 505.

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 510 may be 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 505.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 510 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 505. Do.

According to another exemplary embodiment of the present invention, a predetermined one having at least one user interface for inputting (or selecting) predetermined bond purchase application information to the terminal 500 and transmitting it to the financial institution server 500 through the network means. When the information registration program is provided, an interface for generating (or extracting) a user interface for inputting (or selecting) predetermined bond purchase application information and transmitting it to the financial institution server 500 and providing it to the terminal device as described above. The providing unit 510 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) bond purchase application information including at least one of the bond purchase agent information and the bond purchase request information through the user interface, and the input (or selected) bond purchase application information. To the financial institution server 500 through the network means, and correspondingly, the information receiving unit 515 receives the bond purchase request information transmitted from the terminal device in association with the interface unit 505. It features.

According to an embodiment of the present invention, the terminal device checks the validity of the bond purchase application information in the financial institution server 500 in bond purchase application information including at least one of the bond purchase agent information and the bond purchase request information. It is preferable to further include at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator to the financial institution server 500 through the network means. .

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, a symmetric key-based encryption method or a public key) that includes bond purchase application information including at least one of the bond purchase agent information and the bond purchase request information. Based encryption method, or electronic envelope based encryption method, or key exchange based encryption method), or by attaching a predetermined electronic signature to the bond purchase application information and transmitting it to the financial institution server 500 through the network means. Preferably, the terminal device has at least one or more encryption keys corresponding to the encryption method, or a predetermined certificate including at least one encryption key, or the certificate is a predetermined certificate. When equipped with an IC chip (or IC card), the IC chip (or IC card) It provided a card reader to verify the bidoen certificate is preferred.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the bond purchase application information, and the technical characteristics of attaching a predetermined electronic signature to the bond purchase application information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, when the bond purchase request information transmitted from the terminal device is received through the information receiving unit 515, the financial institution server 500 receives the received bond purchase request information through the bond purchase agent. Characterized in that it comprises a validity check unit 520 to check whether the validity for the bond issuance.

According to an embodiment of the present invention, the bond purchase 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, key exchange based encryption method, etc.) Is encrypted, the validity verification unit 520 is at least one decryption method (for example, symmetric key-based decryption, public key-based decryption, or electronic) for the encrypted bond purchase request information corresponding to the encryption method; Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received bond purchase application information.

Alternatively, when a predetermined electronic signature is attached to the bond purchase application information, the validity verification unit 520 confirms the validity of the received bond purchase application information by checking the electronic signature attached to the bond purchase application information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted bond purchase application information, and technical features for confirming the electronic signature attached to the bond purchase application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the bond purchase application information received through the information receiving unit 515 further includes a predetermined password for checking the validity of the bond purchase application information according to the method of the present invention, the validity checking unit 520 ) Compares and authenticates the password included in the bond purchase application information and the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received bond purchase application information.

Alternatively, when the bond purchase application information received through the information receiving unit 515 further includes predetermined security card information for checking the validity of the bond purchase application information, the validity confirming unit 520 may determine the validity of the bond purchase application information. It is preferable to authenticate the validity of the received bond purchase application information by comparing and authenticating the received security card information included in the bond purchase application information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the bond purchase application information received through the information receiving unit 515 further includes a predetermined OTP code for checking the validity of the bond purchase application information, the validity confirming unit 520 may determine the bond. The validity of the received bond purchase application information is verified by comparing and authenticating the received OTP code included in the purchase application information and the OTP code generated based on predetermined OTP generation information provided to correspond to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validity of the bond purchase application information is registered at least one or more ledger information matching the bond purchase application information in the ledger D / B on the financial system associated with the bond issuance processing system is registered; It is preferable to include checking whether there is.

For example, the validity confirmation of the bond purchase request information may be performed by checking the customer information (customer information, member information, etc.) among the information included in the bond purchase request information on the financial system linked to the bond issuance processing system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 5, when the validity of the bond purchase application information is authenticated through the validity checking unit 520, the financial institution server 500 includes a predetermined bond issuing electronic document including the received bond purchase application information. It characterized in that it comprises an electronic document generating unit 525 for generating a, and an electronic document transmitting unit 530 for transmitting the generated bond issuing electronic document to the electronic document storage associated with the bond issuance processing system.

The electronic document generating unit 525 generates a bond issuing electronic document including the bond purchase application information received from the terminal device through the information receiving unit 515.

According to an exemplary embodiment of the present invention, the electronic document generation unit 525 includes at least one bond purchase agent information and bond purchase request information included in the bond purchase application information received through the information receiving unit 515. A word processor file that generates document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document file including the MHT, etc.) is preferably processed as a bond issuance electronic document for issuing bonds through the bond purchase agent.

Alternatively, the electronic document generation unit 525 generates document contents including at least one bond purchase agent information and bond purchase request information included in the bond purchase application information received through the information receiving unit 515, and A document file including document content including the watermarking after including at least one or more information of the information on the purchase agent of the bonds and the information on the request for purchase of the bonds included in the information on the application for purchase of the bonds in the document content; 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). It is advisable to treat it as a bond issuance electronic document for issuing bonds.

Alternatively, the electronic document generation unit 525 generates document contents including at least one bond purchase agent information and bond purchase request information included in the bond purchase application information received through the information receiving unit 515, and Processing an image file including captured image content (eg, image content generated by capturing the document content on a memory) into a bond issuing electronic document for issuing a bond through the bond purchase agent. desirable.

Alternatively, the electronic document generation unit 525 generates document contents including at least one bond purchase agent information and bond purchase request information included in the bond purchase application information received through the information receiving unit 515, and At least one or more of the information relating to the bond purchase agent and the bond purchase request included in the bond purchase application information is included in the image content (eg, the image content generated by capturing the document content on the memory). After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as a bond issuance electronic document for issuing a bond through the bond purchase agent.

According to another exemplary embodiment of the present invention, the electronic document generation unit 525 includes at least one bond purchase agent information and bond purchase request information included in the bond purchase application information received through the information receiving unit 515. A predetermined document file (eg, Portable Document Format (PDF)) including an image content (eg, image content generated by capturing the document content on a memory) by generating document content, and capturing the document content. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate a bond through the bond purchase agent. It is preferable to process the bond issuance electronic document.

Alternatively, the electronic document generation unit 525 generates document contents including at least one bond purchase agent information and bond purchase request information included in the bond purchase application information received through the information receiving unit 515, and At least one or more of the information relating to the bond purchase agent and the bond purchase request included in the bond purchase application information is included in the image content (eg, the image content generated by capturing the document content on the memory). Generating image content including a watermarking method, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. By generating a word processor file including at least one / DOC or the like, or a web document file including the MHT, It is desirable to process electronic documents to issue bonds for bonds issued by the group Factoring agents.

According to another embodiment of the present invention, the electronic document generating unit 525 is at least one or more bond purchase agent information, bond purchase request information included in the bond purchase application information received through the information receiving unit 515 A predetermined document file including an image content (eg, image content generated by capturing the document content on a memory) and the bond purchase application information; , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to treat the bond issuing electronic documents for issuing bonds through agents.

Alternatively, the electronic document generation unit 525 generates document contents including at least one bond purchase agent information and bond purchase request information included in the bond purchase application information received through the information receiving unit 515, and At least one or more of the information relating to the bond purchase agent and the bond purchase request included in the bond purchase application information is included in the image content (eg, the image content generated by capturing the document content on the memory). Generating image content including a watermarking method, a document file including the watermarking image content and the bond purchase application information (eg, a Portable Document Format (PDF) file, or EDI (Electronic Data) Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document including MHT. By generating a one, and so on), it is preferred that treatment with bond issue the electronic document for the bond issue with the Factoring agent.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 525 for generating a bond issuing electronic document in an image file format or a predetermined document file format, and the bond issuing electronic document. Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 530 is characterized in that for transmitting and storing the bond issuing electronic document generated by the electronic document generation unit 525 to a predetermined electronic document storage associated with the bond issuance processing system.

As shown in FIG. 5, the electronic document repository is connected to a financial company server 500 on the bond issuance processing system through a predetermined communication means and a predetermined electronic document server 565 and an electronic document D / B 585. When provided externally, the electronic document transmission unit 530 transmits the bond issuing electronic document generated by the electronic document generation unit 525 to the electronic document server 565 through the communication means. Characterized in that.

Here, when the electronic document server 565 and the electronic document D / B 585 are provided outside the bond issuance processing system, the electronic document server 565 and the electronic document D / B 585 are provided. It is advisable to maintain the authority in a recognized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the bond issuance processing system, the electronic document transmission unit 530 is the electronic document generation unit 525 generated by the It is possible to store the bond issuing electronic document in the electronic document D / B 585 corresponding to the electronic document storage on the DBMS provided in the bond issuing processing system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 530 inputs electronic document related information (eg, the bond purchase application information) for generating predetermined electronic document management information in the electronic document server 565 ( The customer information, the financial institution information for transmitting the bond issuance electronic document, the electronic document file format information, or the bond purchase application information), and the like. The present invention is not limited thereby.

Referring to FIG. 5, the financial institution server 500 validates that the bond purchase application information received through the information receiving unit 515 issuance of a bond through the bond buying agent through the validity checking unit 520. When the information is generated, the information generation unit 535 generates the bond issuance information based on the bond purchase agent information and the bond purchase request information included in the bond purchase application information, and the bond purchase agent account from the bond purchase agent account. A purchase amount processing unit 540 for recovering a price, a bond issuing unit 545 for issuing and processing a bond corresponding to the generated bond issuing information when the bond purchase price is recovered, and the bond issuance history; Characterized in that it further comprises an information transmission unit 555 for transmitting to the agent and / or the obligation to purchase bond customer communication.

Here, the bond issuance information preferably includes information such as a bond number (or a unique code) corresponding to the bond issued based on the bond purchase application information, issue date and time, issue amount and the like.

Referring to FIG. 5, an electronic document server which receives a predetermined bond issuing electronic document from the financial institution server 500 provided on the bond issuing processing system and stores and manages it in a predetermined electronic document D / B 585 ( 565, an electronic document receiving unit 570 for receiving a predetermined bond issuing electronic document from the financial institution server 500 through a predetermined communication means, and the electronic document D / B 585 for receiving the received bond issuing electronic document. Information generating unit 575 for generating predetermined electronic document management information for storage and management, and linking the electronic document management information with the bond issuing electronic document to a predetermined electronic document D / B 585. It is characterized by comprising an electronic document storage unit 580 for storing.

The electronic document receiving unit 570 may receive a bond issuing electronic document in the form of an image file or a document file from the financial institution server 500 through the communication means.

According to an exemplary embodiment of the present invention, the bond issuing electronic document received by the electronic document receiving unit 570 through the communication means is a bond included in the bond purchase application information received by the financial institution server 500 from the terminal device. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document contents including at least one agent information, purchase request information; Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the bond issuance electronic document received by the electronic document receiving unit 570 through the communication means may be a bond purchase agent information and a bond purchase request included in the bond purchase application information received by the financial institution server 500 from the terminal device. After the document contents including at least one of the information including at least one or more information from the bond purchase agent information, bond purchase request information included in the bond purchase application information in a watermarking (Watermarking) method, the document containing the watermarking Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) It is preferable to comprise).

Alternatively, the bond issuance electronic document received by the electronic document receiving unit 570 through the communication means may be a bond purchase agent information and a bond purchase request included in the bond purchase application information received by the financial institution server 500 from the terminal device. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one information.

Alternatively, the bond issuance electronic document received by the electronic document receiving unit 570 through the communication means may be a bond purchase agent information and a bond purchase request included in the bond purchase application information received by the financial institution server 500 from the terminal device. Bond purchase agent information and bond purchase request included in the bond purchase application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one information. After including at least one or more information of the information in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the bond issuing electronic document received by the electronic document receiving unit 570 through the communication means is included in the bond purchase application information received by the financial institution server 500 from the terminal device. A predetermined document file including image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of bond purchase agent information and bond purchase request 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 of HWP / DOC, or a web document file including MHT) may be included. Do.

Alternatively, the bond issuance electronic document received by the electronic document receiving unit 570 through the communication means may be a bond purchase agent information and a bond purchase request included in the bond purchase application information received by the financial institution server 500 from the terminal device. Bond purchase agent information and bond purchase request included in the bond purchase application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one information. Generating image content including at least one or more information of the information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the image content including the watermarking). Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT Web document files, etc.).

According to another embodiment of the present invention, the bond issuing electronic document received by the electronic document receiving unit 570 through the communication means is based on the bond purchase application information received by the financial institution server 500 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) and the bond purchase application information A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the bond issuance electronic document received by the electronic document receiving unit 570 through the communication means may be a bond purchase agent information and a bond purchase request included in the bond purchase application information received by the financial institution server 500 from the terminal device. Bond purchase agent information and bond purchase request included in the bond purchase application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one information. Create image content including at least one or more of the information in a watermarking method, and a document file (for example, PDF (Portable Document Format) containing the watermarking image content and the bond purchase application information) Word Pro, which contains at least one file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. And a document file or a web document file including MHT).

The information generating unit 575 is a predetermined electronic document unique number (or unique information) to be assigned to the bond issuing electronic document received through the electronic document receiving unit 570, and the bond through the electronic document receiving unit 570 And generating electronic document management information including electronic document storage date and time information including a date and time at which an issuing electronic document was received (or a date and time at which the bond issuing electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 575 refers to the financial institution server 500 that transmits the bond issuing electronic document received through the electronic document receiving unit 570 to generate the bond issuing electronic document. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 500 through the electronic document receiving unit 570, the information generating unit 575 may receive the received electronic document. Document-related information (e.g., customer information sent by inputting (selecting) the bond purchase request information, financial institution information transmitting the bond issuing electronic document, electronic document file format information, or the bond purchase request information, etc.) It is preferable to generate the electronic document management information further comprising.

The electronic document storage unit 580 processes the electronic document management information generated through the information issuing unit 575 and the electronic document management information generated through the electronic document receiving unit 570 in association with a predetermined electronic document D. / B 585, characterized in that the storage.

According to an exemplary embodiment of the present invention, the bond issuing electronic document stored in the electronic document D / B 585 by the electronic document storage unit 580 is purchased by the financial institution server 500 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document contents including at least one or more of bond purchase agent information and bond purchase request information included in the application information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the bond issuing electronic document stored in the electronic document D / B 585 by the electronic document storage unit 580 may be a bond purchase information included in the bond purchase application information received by the financial institution server 500 from the terminal device. After the at least one information including at least one of the information on the purchase agent, the information on the bond purchase agent and the information on the bond purchase request included in the request information, including at least one agent information, claim purchase request information, the watermarking method; A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing document content including watermarking, or an MHT. Web document files, etc.) to be included.

Alternatively, the bond issuing electronic document stored in the electronic document D / B 585 by the electronic document storage unit 580 may be a bond purchase information included in the bond purchase application information received by the financial institution server 500 from the terminal device. It is preferable to include an image file including an image content (e.g., an image content generated by capturing the document content on a memory) which captures document content including at least one agent information and request information for bond purchase. Do.

Alternatively, the bond issuing electronic document stored in the electronic document D / B 585 by the electronic document storage unit 580 may be a bond purchase information included in the bond purchase application information received by the financial institution server 500 from the terminal device. Bond purchase included in the bond purchase application information in the image content (e.g., image content generated by capturing the document content in memory) including captured document content including at least one agent information and request information for bond purchase. After including at least one or more information of the agent information, bond purchase request information in a watermarking (Watermarking) method, it is preferably made to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, a bond issuing electronic document stored in the electronic document D / B 585 by the electronic document storage unit 580 is a bond received by the financial institution server 500 from the terminal device. It includes image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one or more of bond purchase agent information and bond purchase request information included in the purchase application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the bond issuing electronic document stored in the electronic document D / B 585 by the electronic document storage unit 580 may be a bond purchase information included in the bond purchase application information received by the financial institution server 500 from the terminal device. Bond purchase included in the bond purchase application information in the image content (e.g., image content generated by capturing the document content in memory) including captured document content including at least one agent information and request information for bond purchase. Create image content including at least one or more information, such as agent information, bond purchase request information by a watermarking method, and a document file (for example, PDF (Portable Document Format)) containing the image content including the watermarking. A file, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or an MHT. It is preferred which comprises a web, such as a document file) to.

According to another exemplary embodiment of the present invention, the bond issue electronic document stored in the electronic document D / B 585 is received by the financial institution server 500 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) and capturing document content including at least one or more of bond purchase agent information and bond purchase request information included in the bond purchase application 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 HWP / DOC, etc.) including the bond purchase application information, or an MHT; Web document files, etc.) to be included.

Alternatively, the bond issuing electronic document stored in the electronic document D / B 585 by the electronic document storage unit 580 may be a bond purchase information included in the bond purchase application information received by the financial institution server 500 from the terminal device. Bond purchase included in the bond purchase application information in the image content (e.g., image content generated by capturing the document content in memory) including captured document content including at least one agent information and request information for bond purchase. A document file (eg, generating image content including at least one or more of agent information and bond purchase request information in a watermarking manner) and including the watermarking image content and the bond purchase application information (eg, WordPress that includes at least one Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, or HWP / DOC. It comprises a processor file, or web page file containing the MHT, etc.) are preferred.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 585 by the electronic document storage unit 580 in association with the bond issuing electronic document is stored in the bond issuing electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 585 by the electronic document storage unit 580 in association with the bond issuing electronic document is the bond issuing electronic document. Preferably, the financial institution server 500 may further include information on the financial institution that has transmitted the bond issuance electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 500, the electronic document storage unit 580 processes the electronic document by linking with the bond issuing electronic document. The electronic document management information stored in the D / B 585 may be configured to transmit the received electronic document related information (eg, the customer information transmitted by inputting (selecting) the bond purchase application information or the bond issuing electronic document). Financial institution information, electronic document file format information, or the above-mentioned bond purchase application information).

6 is a diagram illustrating an implementation method in which a storage medium 560 for storing bond issuance information corresponding to a bond issued according to an embodiment of the present invention is provided in a DBMS on a financial system.

In more detail, FIG. 6 shows the storage medium 560 shown in FIG. 5 in the ledger D / B when the storage medium 560 is provided in the DBMS on the financial system or in the ledger D / B. The information structure for one embodiment of the method of storing the bond issuance information is stored in the ledger information, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 6 to the ledger D / Various information construction methods for storing the bond issuance information in B may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 6 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger and the customer ledger and is shown in FIG. The account ledger corresponding to the bond issuance information generated through the issuance processing system and at least one information associated with the account ledger are included. If a person having ordinary knowledge in the technical field to which the present invention belongs, In the ledger D / B provided in the DBMS on the financial system, at least one ledger (for example, a ledger, loan ledger, mortgage ledger, etc.) or the ledgers other than the customer ledger and the account ledger shown in FIG. And at least one additional information for management. Since it will be described, a detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 6, wherein the storage medium 560 is the ledger D / B, or includes an implementation method provided in the ledger D / B, the bond shown in FIG. Characterized in that the bond issuance information including at least one or more of the bond purchase agent information and the bond purchase request information included in the bond purchase application information provided through the issuance processing system in the form of additional information added to the account ledger.

The bond purchase agent information includes personal information of the bond buying agent (eg, name of the bond buying agent, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the bond buying agent (eg, the bond buying agent). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked with the bond issuance processing system in response to the debt purchase agent by the agent joining the financial transaction customer of the financial institution. (Number) and the like).

In addition, the bond purchase agent information is preferably made further comprises registration information (or certificate information) for the bond purchase agent.

The bond purchase request information may include bond purchase obligation customer information, agent delegation information, and immediate selling / bond holding information, wherein the customer information is a bond to purchase a predetermined national housing bond through the bond buying agent. It is preferable to include at least one or more of the purchase obligation customer name, address, social security number, telephone number, mobile phone number, account number.

The agent delegation information preferably includes an attorney's delegation document that allows the debt buying customer to purchase a predetermined national housing bond on behalf of the bond purchase agent, and the attorney's delegation document includes a bond purchase amount. It is preferable to include the seal information, the purchase date and time, and the obligation of the customer to purchase the bond.

Preferably, the information on whether the immediate sale / bond holding information includes information on the disposal method after purchase of the bond purchased by the debt buying customer through the bond buying agent, and the bond buying agent after the bond purchase, The trade receivables are processed according to the information on the immediate sell / bond holdings.

According to another exemplary embodiment of the present invention, the bond purchase application 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 can be stored in the form of information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

7 is an implementation method in which a storage medium 560 for storing bond issuance information corresponding to a bond issued according to another embodiment of the present invention includes a database associated with a ledger D / B provided in a DBMS on a financial system. Figure is a diagram.

In more detail, FIG. 7 illustrates an information structure for an embodiment in which the storage medium 560 shown in FIG. 5 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information construction methods for storing the bond issuance information in association with the ledger D / B and storing the bond issuance information in a predetermined database by referring to or modifying the drawing 7. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 7, when it is not easy to store the bond issuance information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution shows the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the nature of the financial system), the bond issuance information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 7 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 7, and the database on the Internet banking system or telebanking according to the intention of the skilled person It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 7, the storage medium 560 includes a database associated with the ledger D / B provided in a DBMS on a financial system. And storing bond issuance information including at least one of the bond purchase agent information and bond purchase request information included, wherein the bond issuance information is included in the bond issuance information to be processed in connection with the ledger D / B. It is preferable to further include a CIF number corresponding to the ledger information.

The bond purchase agent information includes personal information of the bond buying agent (eg, name of the bond buying agent, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the bond buying agent (eg, the bond buying agent). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system linked with the bond issuance processing system in response to the debt purchase agent by the agent joining the financial transaction customer of the financial institution. (Number) and the like).

In addition, the bond purchase agent information is preferably made further comprises registration information (or certificate information) for the bond purchase agent.

The bond purchase request information may include bond purchase obligation customer information, agent delegation information, and immediate selling / bond holding information, wherein the customer information is a bond to purchase a predetermined national housing bond through the bond buying agent. It is preferable to include at least one or more of the purchase obligation customer name, address, social security number, telephone number, mobile phone number, account number.

The agent delegation information preferably comprises an attorney's delegation document that allows the bond purchase customer to purchase a predetermined national housing bond on behalf of the bond purchase agent, and the attorney's delegation document includes a bond purchase amount, It is preferable to include information on the date of purchase and the obligation of the customer to purchase the bond.

Preferably, the information on whether the immediate sale / bond holding information includes information on the disposal method after purchase of the bond purchased by the debt buying customer through the bond buying agent, and the bond buying agent after the bond purchase, The trade receivables are processed according to the information on the immediate sell / bond holdings.

FIG. 8 is a diagram illustrating an implementation method in which a storage medium 560 for storing bond issuance information corresponding to a bond issued according to another embodiment of the present invention includes a DBMS provided in a banking server.

In more detail, FIG. 8 illustrates a DBMS in which the storage medium 560 shown in FIG. 5 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 provided in one embodiment, a person having ordinary knowledge in the art to which the present invention pertains may issue a bond stored in a predetermined DBMS provided in at least one or more banking servers by referring to or modifying the present invention. It is possible to infer a method of constructing information on information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 8, wherein the storage medium 560 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the bond purchase application information. And storing bond issuance information including at least one of the bond purchase agent information and bond purchase request information included therein.

The bond purchase agent information includes personal information of the bond buying agent (eg, name of the bond buying agent, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the bond buying agent (eg, the bond buying agent). Member ID information, or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the bond issuance processing system in response to the debt purchase agent by the agent joining the financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the bond purchase agent information is preferably made further comprises registration information (or certificate information) for the bond purchase agent.

The bond purchase request information may include bond purchase obligation customer information, agent delegation information, and immediate selling / bond holding information, wherein the customer information is a bond to purchase a predetermined national housing bond through the bond buying agent. It is preferable to include at least one or more of the purchase obligation customer name, address, social security number, telephone number, mobile phone number, account number.

The agent delegation information preferably comprises an attorney's delegation document that allows the bond purchase customer to purchase a predetermined national housing bond on behalf of the bond purchase agent, and the attorney's delegation document includes a bond purchase amount, It is preferable to include information on the date of purchase and the obligation of the customer to purchase the bond.

Preferably, the information on whether the immediate sale / bond holding information includes information on the disposal method after purchase of the bond purchased by the debt buying customer through the bond buying agent, and the bond buying agent after the bond purchase, The trade receivables are processed according to the information on the immediate sell / bond holdings.

9A and 9B illustrate a process of issuing a bond through a bond purchase agent on a non-facing channel according to one embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate a web server function in which a terminal device on the bond issuance processing system shown in FIG. 5 is a client terminal, and the financial institution server 500 can access a client terminal through a predetermined network means. In the case of providing, the bond issuance processing system in the bond issuance processing system if the bond purchase application information including at least one or more bond purchase agent information, bond purchase request information through the client terminal to issue a bond through the bond purchase agent; A method for issuing and processing a bond through the bond purchase agent based on the bond purchase application information including at least one bond purchase agent information and bond purchase request information, the general knowledge in the technical field to which the present invention belongs If it is, the client is referred to or modified with reference to FIGS. 9A and 9B. Although various implementation methods for registering the bond purchase application information with the financial institution server 500 may be inferred from the terminal, the present invention includes all the implementation methods inferred, as shown in FIGS. 9A and 9B. It is not limited to implementation method.

For example, although the embodiment shown in FIGS. 9A and 9B includes a process of generating a predetermined electronic document corresponding to the bond purchase application information and storing the electronic document in an electronic document storage, the process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

9A and 9B, the client terminal receives a user interface for inputting (or selecting) the bond purchase application information through a predetermined web page provided by the financial institution server 500. Although illustrated as being described, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the financial institution server 500, and the present invention is not limited thereto.

Hereinafter, in FIGS. 9A and 9B, the client terminal illustrated in FIG. 5 is referred to as a “terminal” for convenience, and the financial institution server 500 illustrated in FIG. 5 is referred to as a “server” for convenience. The bond purchase agent information and bond purchase request information transmitted to the financial institution server 500 is referred to as "bond purchase application information" for convenience.

9A and 9B, when the client terminal illustrated in FIG. 5 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, and issue bonds through the bond purchase agent. When requesting a web page including a user interface for the (900), in response to the server inputs (or selects) the bond purchase application information including at least one or more of the bond purchase agent information, bond purchase request information; Generate (or extract) a webpage comprising a user interface for transmission to a server (905), and send The web page including the pre-generated (or extracted) user interface is transmitted to the terminal and output (910).

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 bond purchase application information, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) bond purchase application information including at least one or more bond purchase agent information and bond purchase request information through a user interface included in the web page (915).

If the bond purchase application information including the bond purchase agent information and the bond purchase request information is input (or selected) through the user interface (920), the terminal inputs (or selects) through the communication channel. The bond purchase agent information and the bond purchase request information are transmitted to the server (925).

According to an embodiment of the present invention, the terminal is a predetermined password for confirming the validity of the bond purchase request information in the server to the bond purchase request information including at least one of the bond purchase agent information, bond purchase request information; Alternatively, at least one or more of the security card information or an OTP code generated through a predetermined one time password (OTP) generator may be 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 (eg, a symmetric key based encryption method or a public key based on bond purchase application information including at least one or more of the bond purchase agent information and the bond purchase request information). An encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the bond purchase application information and transmit the same to the server through the network means. To this end, 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 a predetermined IC chip (or IC card) ), The official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based on bond purchase application information including at least one or more of the bond purchase agent information and the bond purchase request information). An encryption method, an electronic envelope-based encryption method, a key exchange-based encryption method, or the like, and transmits the encrypted data to the server through the network means. In the IC chip (or IC card) provided with a key, or if a predetermined certificate including at least one encryption key is provided, or if the certificate is provided in a predetermined IC chip (or IC card), It is preferable that a card reader for confirming the provided public certificate is provided.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the bond purchase application information, and the technical characteristics of attaching a predetermined electronic signature to the bond purchase application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the bond purchase agent information and the bond purchase request information through the communication channel to check the validity of the bond purchase application information (930).

According to an embodiment of the present invention, the bond purchase 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, key exchange based encryption method, etc.) ), The server converts the encrypted bond purchase request information into at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. , Or a key exchange based decryption scheme) to authenticate the validity of the received bond purchase application information.

Alternatively, when a predetermined electronic signature is attached to the bond purchase application information, the server may verify the validity of the received bond purchase application information by checking the electronic signature attached to the bond purchase application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted bond purchase application information, and technical features for confirming the electronic signature attached to the bond purchase application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the received bond purchase request information further includes a predetermined password for checking the validity of the bond purchase request information, the server is included in the bond purchase request information received By comparing and authenticating a password and a password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received bond purchase application information.

Alternatively, when the received bond purchase application information further includes predetermined security card information for checking the validity of the bond purchase application information, the server includes the received security card information included in the bond purchase application information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received bond purchase application information.

Alternatively, when the received bond purchase request information further includes a predetermined OTP code for confirming the validity of the bond purchase request information, the server includes the received OTP code included in the bond purchase request information and the It is preferable to authenticate the validity of the received bond purchase application information by comparing and authenticating the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the validity of the bond purchase application information is registered at least one or more ledger information matching the bond purchase application information in the ledger D / B on the financial system associated with the bond issuance processing system is registered; It is preferable to include checking whether there is.

For example, the validity confirmation of the bond purchase request information may be performed by checking the customer information (customer information, member information, etc.) among the information included in the bond purchase request information on the financial system linked to the bond issuance processing system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the bond purchase application information is not authenticated (935), the server generates a web page including predetermined bond purchase (issuance) error information and transmits it to the terminal (940), the bond issuance procedure Do not do it.

On the other hand, if the validity of the bond purchase application information is authenticated (935), the server generates a predetermined document content including at least one or more bond purchase agent information, bond purchase request information including the bond purchase application information ( 945, a predetermined bond issuance electronic document including the document content is generated (950).

According to an embodiment of the present invention, the server generates a document content including at least one or more bond purchase agent information, bond purchase request information included in the received bond purchase application information, the document containing the document content Purchase a file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is advisable to treat the bond issuing electronic documents for issuing bonds through agents.

Alternatively, the server generates document content including at least one or more bond purchase agent information, bond purchase request information included in the received bond purchase application information, and purchases bonds included in the bond purchase application information in the document content. After including at least one or more information, such as agent information, bond purchase request information by a watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI (including a document content) containing the document content including the watermarking; Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as a bond issuing electronic document for issuing bonds through the bond buying agent. desirable.

Alternatively, the server generates document content including at least one or more bond purchase agent information and bond purchase request information included in the received bond purchase application information, the image content (for example, to capture the document content) It is preferable to process an image file including the document content generated by capturing the document content on a memory as a bond issuing electronic document for issuing a bond through the bond purchase agent.

Alternatively, the server generates document content including at least one or more bond purchase agent information and bond purchase request information included in the received bond purchase application information, the image content (for example, to capture the document content) Image content generated by capturing the document content on a memory) and including at least one or more information of a bond purchase agent information and a bond purchase request information included in the bond purchase request information by a watermarking method, It is preferable to process the image file including the included image content as a bond issuance electronic document for issuing bonds through the bond purchase agent.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more of the information about the bond purchase agent and the bond purchase request included in the received bond purchase request information, and captures the document content ( A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including captured image content (eg, image content generated by capturing the document content on a memory). It is preferable to generate a word processor file including at least one of / DOC or the like, or a web document file including the MHT, etc.) to process the bond issuing electronic document for issuing the bond through the bond purchase agent.

Alternatively, the server generates document content including at least one or more of the information on the bond purchase agent information and the bond purchase request information included in the received bond purchase application information, and captures the document content (e.g., Image content generated by capturing the document content on a memory), wherein the image content includes at least one or more information of a bond purchase agent information and a bond purchase request information included in the bond purchase application information by a watermarking method. A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content including the watermarking; Or issuing a bond through the bond purchase agent by generating a web document file including the MHT) For is preferably treated with a bond issue the electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one bond purchase agent information and bond purchase request information included in the received bond purchase request information, and captures the document content. Captured image content (e.g., image content generated by capturing the document content on a memory) and a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic) Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process it as a bond issuing electronic document for issuing bonds through the bond buying agent. It is desirable to.

Alternatively, the server generates document content including at least one or more bond purchase agent information and bond purchase request information included in the received bond purchase application information, the image content (for example, to capture the document content) Image content generated by capturing the document content on a memory), wherein the image content includes at least one or more information of a bond purchase agent information and a bond purchase request information included in the bond purchase application information by a watermarking method. And at least one document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking and the bond purchase application information. Purchases the bond by generating a word processor file including; or a web document file including MHT). It is advisable to treat the bond issuing electronic documents for issuing bonds through agents.

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

Thereafter, the server stores the generated bond issuing electronic document in a predetermined electronic document storage (955).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 565 and an electronic document D / B 585 connected to a server on the bond issuance system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated bond issuing electronic document to the electronic document server 565 through the communication means to store in the electronic document D / B (585).

Or, when the electronic document storage is provided on a DBMS provided in the bond issuance processing system, the server corresponds to the electronic document storage on the DBMS provided in the bond issuance processing system. It is possible to store in the electronic document D / B 585, whereby the present invention is not limited.

According to the method of the present invention, storing the bond issuing electronic document in the electronic document storage, the electronic document D shown in Fig. 5 by processing the generated bond issuing electronic document and predetermined electronic document management information It is preferable to include storing in / B (585).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the bond issuing electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the bond issuance electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the bond purchase application information), financial institution information transmitting the bond issuing electronic document, or electronic document file. Format information, or the bond purchase application information).

If the bond issuance electronic document is stored in the electronic document repository (960), the server purchases the bond from the bond purchase agent account based on the bond purchase agent information, bond purchase request information included in the bond purchase application information; The money is recovered (965).

When the bond purchase price is recovered from the bond purchase agent account, the server automatically withdraws the bond purchase price from the bond purchase duty customer account and deposits the money into the bond purchase agent account (970).

Thereafter, the server generates bond issuance information based on the bond purchase agent information and the bond purchase request information included in the bond purchase application information and stores it in the storage medium 560 (975), and predetermined bond issue history information. (E.g., the details of the bond issuance, the details of storing the bond issuance electronic document in the electronic document storage, or the details of storing the bond purchase application information in the storage medium 560) (or extract) The transmission to the terminal (980).

Here, the bond issuance information preferably includes information such as a bond number (or a unique code) corresponding to the bond issued based on the bond purchase application information, issue date and time, issue amount and the like.

According to an exemplary embodiment of the present invention, when the storage medium 560 is provided in the server or on a network associated with the server, the server includes the customer information included in the received bond purchase request information. Preferably, the storage medium 560 stores bond issuance information including at least one bond purchase request information.

According to another exemplary embodiment of the present invention, when the storage medium 560 is provided in a DBMS provided on a financial system, the server stores the customer information and the bond purchase request information included in the received bond purchase application information. It is preferable that the bond issuance information including at least one or more information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

According to one embodiment of the invention, the storage medium 560 is preferably provided in a DBMS on a financial system provided on the bond issuance processing system (or associated with the bond issuance processing system), wherein The storage medium 560 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 560 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the bond issuance processing system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

10A, 10B, and 10C illustrate a process of issuing a bond through a bond purchase agent on a non-facing channel according to one embodiment of the present invention.

More specifically, FIGS. 10A, 10B, and 10C illustrate a case where the bond issuance processing system shown in FIG. 5 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the bond issuance processing shown in FIG. 5). In the case where the financial institution server 500 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet, etc.) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits predetermined bond purchase application information to the internet banking server for issuing bonds through the bond purchase agent, the at least one bond purchase agent information and bond purchase request information from the internet banking server. On the method of issuing and processing bonds through the bond purchase agent based on the bond purchase application information, including As those skilled in the art to which the present invention pertains, various examples of registering the bond purchase application information through other types of non-face-to-face financial transaction channels by referring to or modifying the drawings 10a, 10b and 10c. 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. 10A, 10B, and 10C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 10A, 10B, and 10C, the browser Although a method of connecting an internet banking-based financial transaction channel for registering bond purchase 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, The client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 10A, 10B, and 10C. between Although it may be possible to infer a method of connecting an internet banking-based financial transaction channel for registration of the bond purchase application information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains to, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 10a, 10b and 10c, telebanking The system or other banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of bond purchase information, but the present invention may provide the telebanking system or the wireless system. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. 10A, 10B and 10C. It is never limited to 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 an Internet banking server corresponding to the financial institution server 500 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 connects the terminal and the server through the browser. The communication channel is connected (1005a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server (or extracted) and transmitted to the terminal, and to the terminal This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is provided with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 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 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 (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), which is referred to as a security channel for internet banking. Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode 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 to register the bond purchase application 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 registration of bond purchase application information in the terminal. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and 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). It means 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 (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 encryption 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 security channel for the terminal (1055a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (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 means a communication channel through which the terminal can transmit and register predetermined bond purchase application information for issuing bonds through a bond purchase agent from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for issuing a bond through the bond purchase agent to the server through an internet banking-based financial transaction channel (1000b), the server corresponds to the bond purchase agent. Generate (or extract) a web page (1005b) including a user interface for inputting (or selecting) bond purchase request information including at least one of information and bond purchase request information to the server (1005b), and the Internet banking The web page including the generated (or extracted) user interface is transmitted to the terminal through the base financial transaction channel and output (1010b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) bond purchase application information including at least one of bond purchase agent information and bond purchase request information in the terminal. Password or security card information (e.g., security card information printed on a security card issued to the customer during the Internet banking application process) to confirm the validity of the Internet banking customer requesting to register the bond purchase application information. ) Or user interface for entering a one time password (OTP) (e.g., a one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the procedure for registering the bond purchase application information, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) bond purchase application information including at least one of the bond purchase agent information and the bond purchase request information through the bond purchase application interface (1015b).

If the terminal purchases (or selects) bond purchase application information including the bond purchase agent information and the bond purchase request information through the user interface (1020b), the terminal receives the input (or The selected bond purchase request information is transmitted to the server (1025b).

According to an embodiment of the present invention, the terminal is a predetermined password for confirming the validity of the bond purchase request information in the server to the bond purchase request information including at least one of the bond purchase agent information, bond purchase request information; Alternatively, at least one or more of the security card information or an OTP code generated through a predetermined one time password (OTP) generator may be 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 (eg, a symmetric key based encryption method or a public key based on bond purchase application information including at least one or more of the bond purchase agent information and the bond purchase request information). An encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the bond purchase application information and transmit the same to the server through the network means. To this end, 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 a predetermined IC chip (or IC card) ), The official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption method or public key) for bond purchase application information including at least one or more of the bond purchase agent information and the bond purchase request information. Based encryption method, or electronic envelope based encryption method, or key exchange based encryption method) and transmits the encrypted data to the server through the network means. For this purpose, the terminal includes at least one corresponding to the encryption method. The IC chip (or IC card) provided with an 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). It is preferable that a card reader is provided for checking the official certificate provided in the.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the bond purchase application information, and the technical characteristics of attaching a predetermined electronic signature to the bond purchase application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the bond purchase request information through the financial transaction channel to check the validity of the bond purchase request information (1030b).

According to an embodiment of the present invention, the bond purchase 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, key exchange based encryption method, etc.) Is encrypted, the server may include the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange-based decryption scheme) to authenticate validity of the received bond purchase application information.

Alternatively, when a predetermined electronic signature is attached to the bond purchase application information, the server may verify the validity of the received bond purchase application information by checking the electronic signature attached to the bond purchase application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted bond purchase application information, and technical features for confirming the electronic signature attached to the bond purchase application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the bond purchase application information received through the information receiving unit 515 further includes a predetermined password for checking the validity of the bond purchase application information, the server purchases the bond. It is preferable to verify the validity of the received bond purchase application information by comparing and authenticating the received password included in the application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the bond purchase application information received through the information receiving unit 515 further includes predetermined security card information for confirming the validity of the bond purchase application information, the server may include information on the bond purchase application information. 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 bond purchase application information.

Alternatively, when the bond purchase application information received through the information receiving unit 515 further includes a predetermined OTP code for checking the validity of the bond purchase application information, the server is included in the bond purchase application information. It is preferable to authenticate the validity of the received bond purchase 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. .

According to an embodiment of the present invention, the validity of the bond purchase application information is registered at least one or more ledger information matching the bond purchase application information in the ledger D / B on the financial system associated with the bond issuance processing system is registered; It is preferable to include checking whether there is.

For example, the validity confirmation of the bond purchase request information may be performed by checking the customer information (customer information, member information, etc.) among the information included in the bond purchase request information on the financial system linked to the bond issuance processing system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the bond purchase request information is not authenticated (1035b), the server generates a web page including the predetermined bond purchase (or issuance) error information and transmits it to the terminal (1040b), and purchases the bond. Do not perform (issue) procedures.

On the other hand, if the validity of the bond purchase request information is authenticated (1035b), the server generates a predetermined document content including at least one or more bond purchase agent information, bond purchase request information including the bond purchase application information ( 1045b), a predetermined bond issuance electronic document including the document content is generated (1050c).

According to an embodiment of the present invention, the server generates a document content including at least one or more bond purchase agent information, bond purchase request information included in the received bond purchase application information, the document containing the document content Purchase a file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is advisable to treat the bond issuing electronic documents for issuing bonds through agents.

Alternatively, the server generates document content including at least one or more bond purchase agent information, bond purchase request information included in the received bond purchase application information, and purchases bonds included in the bond purchase application information in the document content. After including at least one or more information, such as agent information, bond purchase request information by a watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI (including a document content) containing the document content including the watermarking; Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as a bond issuing electronic document for issuing bonds through the bond buying agent. desirable.

Alternatively, the server generates document content including at least one or more bond purchase agent information and bond purchase request information included in the received bond purchase application information, the image content (for example, to capture the document content) It is preferable to process an image file including the document content generated by capturing the document content on a memory as a bond issuing electronic document for issuing a bond through the bond purchase agent.

Alternatively, the server generates document content including at least one or more bond purchase agent information and bond purchase request information included in the received bond purchase application information, the image content (for example, to capture the document content) Image content generated by capturing the document content on a memory) and including at least one or more information of a bond purchase agent information and a bond purchase request information included in the bond purchase request information by a watermarking method, It is preferable to process the image file including the included image content as a bond issuance electronic document for issuing bonds through the bond purchase agent.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more of the information about the bond purchase agent and the bond purchase request included in the received bond purchase request information, and captures the document content ( A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including captured image content (eg, image content generated by capturing the document content on a memory). It is preferable to generate a word processor file including at least one of / DOC or the like, or a web document file including the MHT, etc.) to process the bond issuing electronic document for issuing the bond through the bond purchase agent.

Alternatively, the server generates document content including at least one or more of the information on the bond purchase agent information and the bond purchase request information included in the received bond purchase application information, and captures the document content (e.g., Image content generated by capturing the document content on a memory), wherein the image content includes at least one or more information of a bond purchase agent information and a bond purchase request information included in the bond purchase application information by a watermarking method. A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content including the watermarking; Or issuing a bond through the bond purchase agent by generating a web document file including the MHT) For is preferably treated with a bond issue the electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one bond purchase agent information and bond purchase request information included in the received bond purchase request information, and captures the document content. Captured image content (e.g., image content generated by capturing the document content on a memory) and a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic) Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process it as a bond issuing electronic document for issuing bonds through the bond buying agent. It is desirable to.

Alternatively, the server generates document content including at least one or more bond purchase agent information and bond purchase request information included in the received bond purchase application information, the image content (for example, to capture the document content) Image content generated by capturing the document content on a memory), wherein the image content includes at least one or more information of a bond purchase agent information and a bond purchase request information included in the bond purchase application information by a watermarking method. And at least one document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking and the bond purchase application information. Purchases the bond by generating a word processor file including; or a web document file including MHT). It is advisable to treat the bond issuing electronic documents for issuing bonds through agents.

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

Thereafter, the server stores the generated bond issuing electronic document in a predetermined electronic document storage (1055c).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 565 and an electronic document D / B 585 connected to a server on the bond issuance system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated bond issuing electronic document to the electronic document server 565 through the communication means to store in the electronic document D / B (585).

Or, when the electronic document storage is provided on a DBMS provided in the bond issuance processing system, the server corresponds to the electronic document storage on the DBMS provided in the bond issuance processing system. It is possible to store in the electronic document D / B 585, whereby the present invention is not limited.

According to the method of the present invention, storing the bond issuing electronic document in the electronic document storage, the electronic document D shown in Fig. 5 by processing the generated bond issuing electronic document and predetermined electronic document management information It is preferable to include storing in / B (585).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the bond issuing electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the bond issuance electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the bond purchase application information), financial institution information transmitting the bond issuing electronic document, or electronic document file. Format information, or the bond purchase application information).

If the bond issuing electronic document is stored in the electronic document storage box (1060c), the server purchases the bond from the bond purchase agent account based on the bond purchase agent information and the bond purchase request information included in the bond purchase application information; The price is recovered (1065c).

When the bond purchase price is recovered from the bond purchase agent account, the server automatically withdraws the bond purchase price from the bond purchase obligation customer account and deposits the money into the bond purchase agent account (1070c).

Thereafter, the server generates bond issuance information based on the bond purchase agent information and the bond purchase request information included in the bond purchase application information and stores it in the storage medium 560 (1075c), and predetermined bond issuance information. (E.g., the details of the bond issuance, the details of storing the bond issuance electronic document in the electronic document storage, or the details of storing the bond purchase application information in the storage medium 560) (or extract) Transmission to the terminal (1080c).

Here, the bond issuance information preferably includes information such as a bond number (or a unique code) corresponding to the bond issued based on the bond purchase application information, issue date and time, issue amount and the like.

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 bond issuance information in the ledger D / B in association with the financial system. It is preferable.

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 bond issuance information.

According to an embodiment of the present invention, when the storage medium 560 is provided in the server or on the network associated with the server, the server is the bond purchase agent included in the received bond purchase application information. Preferably, the storage medium 560 stores bond issuance information including at least one information and bond purchase request information.

According to another embodiment of the present invention, when the storage medium 560 is provided in the DBMS provided on the financial system, the server includes the bond purchase agent information and the bond purchase request included in the received bond purchase application information. It is preferable that the bond issuance information including at least one information is provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

According to one embodiment of the invention, the storage medium 560 is preferably provided in a DBMS on a financial system provided on the bond issuance processing system (or associated with the bond issuance processing system), wherein The storage medium 560 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 560 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the bond issuance processing system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

According to the present invention, the obligation to purchase a bond customer has an advantage that it is possible to more easily carry out the bond purchase through the bond purchase agent using a reliable financial institution.

In addition, the bond purchase agent has the advantage of reducing the hassle of visiting the window for the existing bond purchase, bringing a time and cost effect.

Claims (4)

Storing the bond purchase request information-customer information, agent delegation information, immediate selling / bond holding information-of the customer who is obliged to purchase the bond on a predetermined storage medium in the bond buying agent terminal; Transmitting, from the terminal of the bond purchase agent, the bond purchase request information including the bond purchase request information of the bond purchase obligation customer stored in the storage medium through a non-face-to-face channel to a financial institution server; And withdrawing a bond purchase price corresponding to the bond purchase request information from a bond purchase agent account at a financial company server, and issuing and processing a bond. The method of claim 1, Setting a withdrawal limit for the amount corresponding to the bond purchase price in the bond purchase customer account at a financial institution server; When the withdrawal payment amount corresponding to the bond purchase application information is confirmed from the bond purchase agent account at the financial institution server, or when the bond issuance process is confirmed, the bond purchase price is automatically withdrawn from the bond buying customer account. And processing the deposit into a bond purchase agent account. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Bond purchase request information of the customer who is obliged to purchase bonds-Customer information, agent delegation information, information on whether or not to sell / bond holding information-in a predetermined storage medium, and bonds of the obligation to purchase bonds stored in the storage medium through non-face-to-face channels A bond purchase agent terminal for transmitting bond purchase request information including purchase request information to a financial institution server; When the bond purchase application information is received, the financial institution server withdraws the bond purchase price corresponding to the bond purchase application information from the bond purchase agent account and issues and processes the bond, and transfers the bond issuance details to the bond purchase agent terminal; Bond purchase processing system comprising a.

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