KR20100127939A - System and method for managing cooperation business service and recording medium - Google Patents

Abstract

PURPOSE: A method and a system for managing a cooperative business service and a recording medium therefor are provided to be integrally managed with an existing financial system and supply a service through a simple operation, thereby easily distributing profits generated through cooperative business. CONSTITUTION: An information registration server(100) comprises the following units. An information receiving unit(115) is connected to an interface unit(105) to receive financial product registration request information for cooperative business. The financial product registration request information for cooperative business is inputted through a financial product registration request interface screen for cooperative business by a client terminal(135). An information storage unit(125) stores the received registration request information in a financial product D/B(130).

Description

System and Method for Managing Cooperation Business Service and Recording Medium}

1 is a diagram illustrating an information registration system for registering a financial product targeted for joint operation according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for registering a financial product targeted for joint operation according to an embodiment of the present invention.

3 is a diagram illustrating an information registration process for registering a financial product targeted for joint operation according to another embodiment of the present invention.

4 is a diagram illustrating a joint sales system for joint business registration and handling process according to an embodiment of the present invention.

5A and 5B illustrate a process of registering joint business request information according to an exemplary embodiment of the present invention.

6A and 6B illustrate a process of registering joint business request information according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering joint business request information according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of registering joint business request information according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: financial instruments D / B 135: client terminal

The present invention is to overcome the problem of introduction business that was introduced / sold in consultation with the person in charge of the second financial institution in the first financial institution when selling the financial products of other financial institutions.

Recently, financial institutions are not divided into one bank or securities company, but are being changed to a holding company integrating various fields such as banks, securities companies, card companies, and insurance companies.

Due to the nature of these holding companies, it is possible to sell various financial products to the financial sector that belong to the holding company internally, but in reality, banks, securities companies, credit card companies, and insurance companies operate as separate companies. Offers opportunities in the form of introductory sales.

However, this type of referral business is very inefficient in financial product sales.

For example, since the system for introduction sales is built separately, it is impossible to synchronize with the system used by the holding company, and manpower for separate system management is required.

In addition, when the conditions change or additional fees occur for the same case (that is, the service was provided by the introduction service), the introduction business must be made through the introduction registration again. Difficult situation occurs that must be managed through the control number of.

For this reason, in the case of sales of financial products that were made through the introduction of conventional products, management is complicated by the characteristics of the introduction of financial products, resulting in waste of manpower and economic waste due to the need for a separate independent system. .

In order to solve the problem of the introduction sales system as described above, the present invention interoperates with the conventional financial system, and can be integrated and operated, and the distribution of revenue generated through the provision of services and joint operations through simple manipulation of simple conditions, etc. It is intended to provide a method and system and a program recording medium to facilitate the operation.

In the joint operating service operating method according to the present invention, if the employee of the financial institution (A) inputs (or selects) the joint business request information for the financial product through the joint business reception registration interface output to the terminal (A), the joint Receiving the joint business request information input (or selected) through the business reception registration interface, and checking whether the joint business requested financial product is a financial product targeted for joint operation, and wherein the joint business requested financial product is jointly If it is confirmed that the financial product to be operated, setting the joint sales status for the joint business request information to a first state, and requesting approval of the joint business request information from a financial institution manager; (A) after the administrator confirms the co-operation request information through the terminal A ', setting the co-operation state set as the first state to the second state, and When the employee of the institution (B) requests the inquiry of the joint business object that can be handled through the terminal (B), the manager of the financial institution (A) confirms the joint business request information set to the second state, and the confirmed joint business. Processing the request information to be output to the terminal B and outputting the handling information through a handling registration interface outputted to the terminal B by an employee of the financial institution B confirming the output joint business request information. (Or selects), receives handling information input (or selected) through the handling registration interface, processes the joint business request information—processing the subscription for the financial product that requested the subscription; It characterized in that it comprises a step of setting to a third state.

In the joint operating service operating method according to the present invention, the revenue generated by the financial products subscribed by the joint business request information is set to the third business joint status, and measure the synergy gains and losses for the subscribed financial products And distributing the profits from the financial institution A and the financial institution B based on the information.

In the joint operating service operating method according to the present invention, the number of times the joint operating state set after receiving the joint sales request information is maintained in a first state for a predetermined period of time, or set to a state other than the first to third states. Or checking the number of times maintained in a second state for a predetermined period, and if the number of times confirmed is greater than or equal to the reference number, excluding the joint operation requested financial product from the joint operation.

The joint sales service operating method according to the present invention checks whether consecutive handling of the joint sales request set to the third state occurs, and if the continuous handling is confirmed, the joint sales state for the joint sales request is automatically set to the third state. It characterized in that it comprises a process to be set, wherein the continuous handling is characterized in that the change of conditions or additional fees for the co-operation request is complete processing.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method for operating joint business services.

On the other hand, the joint operating service operating system according to the present invention, if the employee of the financial institution (A) inputs (or selects) the joint business request information for the financial product through the joint business reception registration interface output to the terminal (A), Means for receiving the joint business request information input (or selected) through the joint business registration registration interface, and checking whether the joint business requested financial product is a financial product targeted for joint business; Means for setting the co-operation status for the co-operation request information to a first state and requesting the financial institution manager to approve the co-operation request information when the financial product is identified as the co-operation target financial product; The financial institution manager may set the joint business status set as the first status to the second status after checking the joint business request information through the terminal A '. And, if the employee of the financial institution (B) requests the inquiry of the joint sales target financial products that can be handled through the terminal (B), the financial institution (A) manager checks the joint business request information set to the second state, and confirming the Means for providing the output of the joint business request information to the terminal B and processing it, and the employee of the financial institution B who has confirmed the output of the joint business request information through the handling registration interface output to the terminal B. When the information is input (or selected), the handling information input (or selected) is received through the handling registration interface, and the co-operation request information is processed-the subscription to the financial product that has requested the subscription; And means for setting the joint business state to the third state.

On the other hand, the joint sales service operating system according to the present invention, when the joint sales request terminal access, input joint sales request information, including the joint sales target product information, customer information and handling information and introduction information and handling registration information ( Or means for outputting a first input screen (or input window), and the joint business request information inputted (or selected) on the first input screen (or input window) at the terminal for the joint business request. Means for confirming whether the received joint sales request target product is a joint sales target product, and if confirmed as a joint sales product, requesting approval through the joint sales request side manager, and receiving the joint sales request side manager. And when the approval is completed, means for enabling the inquiry on the joint sales processing side terminal processing the joint sales request target product, and the joint sales processing side. Inquiry of the joint sales request information in the terminal outputs a second input screen (or input window) for inputting (or selecting) handling information including basic information, product information, handling history information, and the terminal for co-operation processing side Means for processing a product to be provided based on the received handling information and the joint business request information when the handling information input (or selected) is received on the second input screen (or input window). It features.

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

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

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

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

Here, for the convenience of the description of the present invention, but described based on the joint operations for financial products, but the present invention is not limited by this, it may be applied to all fields that can be joint operations.

1 is a diagram illustrating an information registration system for registering a financial product targeted for joint operation according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a joint operation target that includes at least one financial institution information and financial product information by accessing a server on a joint sales system through a network means to a client terminal 135 for registering the joint operation target financial product. If the financial product registration request information is provided, the server stores the financial product registration request information for the joint business target provided from the client terminal 135 in the financial product D / B 130 provided on the joint business system. As for the registration system configuration, those skilled in the art to which the present invention pertains, various implementation methods for configuring the information registration system for registration of the financial product to the joint operation by referring to and / or modifying the Figure 1 It may be inferred, but the present invention encompasses all the implementation methods inferred, the present Figure 1 It is not limited only to the implementation method shown in FIG.

Hereinafter, on the information registration system shown in FIG. 1, the financial product D / B (the financial product D / B (the financial product registration request information) including at least one or more financial institution information and financial product information provided from the client terminal 135 may be used. Components corresponding to at least one or more means and / or functional configurations for storage at 130 are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for registering a joint venture financial product according to the present invention includes at least one client terminal 135 connected to a network means, and the client terminal 135. Financial instrument D / B 130 for storing the joint business target financial product registration request information including at least one financial institution information and financial product information transmitted from the; and the client terminal 135 is connected to the network through the network means And, characterized in that it comprises an information registration server 100 for receiving the financial product registration request information for the joint operation transmitted through the network means and stores in the financial product D / B (130).

The client terminal 135 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very high-)). a wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a data rate Digital Subscriber Line) and / or a cable communication network, and / or CDMA ( A mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, and / Or at least one wireless terminal including at least one WLAN terminal connected to an IEEE 802.11x based WLAN network. The client terminal 135 outputs at least one joint business target financial product registration request interface screen provided by the information registration server 100 and at least through the joint business target financial product registration request interface screen. A function configuration (eg, a browser program and a communication function) for inputting and / or selecting one or more pieces of information and transmitting the selected information to the information registration server 100 is preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 135 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 135 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the client terminal 135 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

The financial product D / B (130) provided on the joint sales system according to the present invention is a financial product registration request for the joint operation including at least one or more financial institution information and financial product information transmitted from the client terminal 135 It is characterized by storing the information.

The financial institution information, financial institution name, business registration number, corporate registration number, business address, telephone number, representative name, representative address, representative telephone for the financial institution that wants to jointly operate one or more financial products through the joint sales system It is preferable to include at least one or more, a person in charge / manager telephone number.

Preferably, the financial product information includes at least one product name, a product agreement, or the like for a financial product that is to be sold through joint business among one or more financial products sold by the financial institution through the joint business system. .

According to an embodiment of the present invention, the information registration server 100 establishes a communication channel with the client terminal 135 through the network means in order to provide a web interface corresponding to the client terminal 135 and the network means. And an interface unit 105 (or interface means) for connection and management, whereby the information registration server 100 communicates with the client terminal 135 through a wired communication network and / or a wireless communication network. It has the function of a web server to be connected.

According to an exemplary embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 105 may be configured to communicate with the client terminal 135 and HTTP ( Interface screen for a joint business target financial product registration request interface in the form of a Hyper-Text Markup Language (HTML) compatible document in connection with a communication channel based on a Hyper-Text Transfer Protocol protocol, and through the communication channel to the client terminal 135. And / or transmits and outputs an information providing screen, and includes at least one financial institution information and financial product information input (or selected) from the client terminal 135 through the financial product registration request interface screen. It is preferable to perform a function of receiving and processing the financial product registration request information for the joint operation.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the client terminal 135 and a WAP (Wireless). A communication channel is connected based on an Application Protocol and / or a Mobile Explorer (ME) protocol, and a co-business object in the form of a Wireless Markup Language (WML) and / or HTML compatible document is transmitted to the client terminal 135 through the communication channel. Transmits and outputs a financial product registration request interface screen and / or an information providing screen, and includes at least one financial institution information and financial product information corresponding to the joint product target financial product registration request interface screen from the client terminal 135. It is preferable to perform the function of receiving and processing the financial product registration request information for the joint operation.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 may be connected to the client terminal 135. A communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, and a financial product registration request interface screen and / or an information providing screen are transmitted to the client terminal 135 through the communication channel. And receiving and processing the joint business target financial product registration request information including at least one financial institution information and the financial product information corresponding to the joint business target financial product registration request interface screen from the client terminal 135. Preferably, and / or the client terminal 135 is an IEEE 802.11x based wireless communication. In the case of a wireless terminal in which a communication channel is connected through a network, the interface unit 105 connects the communication channel with the client terminal 135 based on a wireless protocol corresponding to the IEEE 802.11x standard, and connects the communication channel. The cooperative financial product registration request interface screen and / or information providing screen is transmitted to the client terminal 135 and output, and the common terminal corresponding to the cooperative financial product registration request interface screen from the client terminal 135 is output. It is preferable to perform a function of receiving and processing the target financial product registration request information.

Referring to FIG. 1, when the client terminal 135 accesses the information registration server 100 through the interface unit 105, the information registration server 100 interoperates with the interface unit 105. The terminal 135 generates (or extracts) a joint business target financial product registration request interface screen for inputting (or selecting) the joint business target financial product registration request information including at least one or more financial institution information and financial product information. Interface input unit 110 (or an interface providing unit) and the interface unit 105 to be inputted (or selected) through the interface screen for the financial product registration request from the client terminal 135. Information receiving unit 115 (or information receiving means) for receiving the joint business target financial product registration request information transmitted by And an information storage unit 125 (or information storage means) for storing the financial product registration request information for the same operation in the financial product D / B 130.

In addition, the information registration server 100 is a validity confirmation unit 120 (or validity check) for checking the validity of the financial product registration request information for the joint operation including at least one or more received financial institution information and financial product information Means) is further provided.

The interface providing unit 110, when the client terminal 135 is connected to the information registration server 100 through the interface unit 105, the functional configuration provided in the client terminal 135 (for example, the client terminal ( Corresponding to the browser program of FIG. 135), input (or select) the joint business target financial product registration request information including at least one financial institution information and the financial product information. Generate a joint business target financial product registration request interface screen that can be transmitted to 100), and / or extracted from a database (not shown), and in conjunction with the interface unit 105, the joint business target generated (or extracted) The financial product registration request interface screen may be provided to the client terminal 135 through the network means.

Thereafter, the client terminal 135 inputs (or selects) joint business target financial product registration request information including at least one financial institution information and financial product information on the basis of the joint business target financial product registration request interface screen. When it is confirmed that the financial product registration request information for the joint venture is input (or selected), the client terminal 135 receives the input (or selected) financial product registration request information for the joint operation through the network means. It transmits to the information registration server 100.

If one of ordinary skill in the art to which the present invention belongs, the financial institution information and at least one form (Form) form included in the screen of the joint product target financial product registration request interface on the client terminal 135 and Technical features for inputting (or selecting) joint business target financial product registration request information including at least one financial product information, and the inputted (or selected) financial joint product for joint sales through a communication protocol provided by the network means. Since you will be familiar with the technical features for transmitting the registration request information to the information registration server 100, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs the co-operation target financial product registration request information including at least one financial institution information and financial product information through the co-operation target financial product registration request interface screen on the client terminal 135 ( Or select) to receive the joint product target financial product registration request information in connection with the interface unit 105 when transmitting through the network means, and receives the received joint product target financial product registration request information. The information storage unit 125 is provided.

The information storage unit 125 includes at least one financial institution information and financial product information received through the information receiving unit 115 (or validated through the validity confirming unit 120). The financial product registration request information is stored in the financial product D / B 130.

The financial institution information, financial institution name, business registration number, corporate registration number, business address, telephone number, representative name, representative address, representative telephone for the financial institution that wants to jointly operate one or more financial products through the joint sales system It is preferable to include at least one or more, a person in charge / manager telephone number.

Preferably, the financial product information includes at least one product name, a product agreement, or the like for a financial product that is to be sold through joint business among one or more financial products sold by the financial institution through the joint business system. .

The validity confirming unit 120 confirms the validity of the financial product registration request information including at least one or more financial institution information and financial product information received through the information receiving unit 115. .

According to the method of the present invention, the validity of the received joint product target financial product registration request information, financial institution information included in the received joint business target financial product registration request information is a financial institution that can actually be joint business By confirming whether or not, it is preferable to check the validity of the received information on the registration information of the financial product targeted for joint operations, and for this purpose, it may be confirmed through a separate database in which a list of financial institutions that can be jointly operated is stored.

In addition, the validity of the received joint business target financial product registration request information, the financial product information included in the received joint business target financial product registration request information is included in the financial product registration request information By confirming whether the financial product is actually sold by the institution, it is preferable to check the validity of the received joint business target financial product registration request information.

2 is a diagram illustrating an information registration process for registering a financial product targeted for joint operation according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates financial institution information and financial product information for registering a financial product targeted for joint operation by the client terminal 135 on the information registration system shown in FIG. 1 to the information registration server 100 through a network means. When transmitting the joint product target financial product registration request information including at least one, the information registration server 100 after confirming the validity of the joint product target financial product registration request information, financial product D / B (130) As a person having ordinary knowledge in the technical field to which the present invention pertains, various implementation methods for information registration process for registering a financial product for joint operation by referring to and / or modifying the drawing 2 are provided. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG. The.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 135 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 2, the terminal on the information registration system shown in FIG. 1 connects to the server through the network means and connects a communication channel for registering a joint business target financial product (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

In the technical field to which the present invention pertains, the terminal accesses the server according to a communication protocol corresponding to the network means through a browser program corresponding to the network means and registers the financial product targeted for the joint operation. Since it will be familiar with the technical features for connecting the communication channel for, a detailed description thereof will be omitted for convenience.

When the communication channel for registering the joint operation target financial product is connected between the terminal and the server as described above, the terminal receives the joint operation target financial product registration request interface for registering the joint operation target financial product to the server through the communication channel. Requesting a screen (205), and correspondingly, the server provides a user interface for inputting (or selecting) joint business target financial product registration request information including at least one of the financial institution information and the financial product information. Create (or extract) the joint business target financial product registration request interface screen including 210 and transmit the generated (or extracted) joint business target financial product registration request interface screen to the terminal through the communication channel ( 215).

Thereafter, the terminal includes the user interface included in the joint business target financial product registration request interface screen for inputting (or selecting) the joint business target financial product registration request information including at least one of the financial institution information and the financial product information. Through the processing to input (or select) the financial product registration request information for the joint operation (220).

If the terminal receives (or selects) joint business object financial product registration request information including at least one financial institution information and financial product information (225), the terminal transmits the joint information to the server through the communication channel. In operation 230, the target financial product registration request information is transmitted, and the server checks the validity of the received joint business target financial product registration request information (235).

According to the method of the present invention, the validity of the received joint product target financial product registration request information, financial institution information included in the received joint business target financial product registration request information is a financial institution that can actually be joint business By checking whether or not, it is preferable to check the validity of the received information on the registration information of the financial product for joint operations, and for this purpose, it may be confirmed through a separate database in which a list of financial institutions that can be jointly operated is stored.

In addition, the validity of the received joint business target financial product registration request information, the financial product information included in the received joint business target financial product registration request information is included in the financial product registration request information It is preferable to check the validity of the received joint business target financial product registration request information by checking whether the financial product is actually sold by the institution.

If the validity of the received joint business target financial product registration request information is not confirmed (240), the server generates (or extracts) registration error information for the received joint business target financial product registration request information. It transmits to the terminal (245).

On the other hand, if the validity of the received joint product target financial product registration request information is confirmed (240), the server receives the financial product registration request information of the joint business target financial products D / B (shown in Figure 1) 130, 250.

The financial institution information is the financial institution name, business registration number, corporate registration number, business address, telephone number, representative name, representative address, representative for the financial institution that wants to jointly operate one or more financial products through the joint sales system It is preferable to include at least one or more telephone numbers, contact person / manager telephone number.

Preferably, the financial product information includes at least one product name, a product agreement, or the like for a financial product that is to be sold through joint business among one or more financial products sold by the financial institution through the joint business system. .

3 is a diagram illustrating an information registration process for registering a financial product targeted for joint operation according to another embodiment of the present invention.

In more detail, FIG. 2 illustrates financial institution information and financial product information for registering a financial product targeted for joint operation by the client terminal 135 on the information registration system shown in FIG. 1 to the information registration server 100 through a network means. When the information on the co-operational financial product registration request including at least one of the transmission, the information registration server 100 for the process of storing the financial product registration request information for the co-operation target financial product D / B (130) As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the information registration process for registering a financial product subject to joint operation may be inferred by referring to and / or modifying the drawing 2, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 135 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 2, the terminal on the information registration system shown in FIG. 1 connects to the server through the network means and connects a communication channel for registering a joint business target financial product (300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

In the technical field to which the present invention pertains, the terminal accesses the server according to a communication protocol corresponding to the network means through a browser program corresponding to the network means and registers the financial product targeted for the joint operation. Since it will be familiar with the technical features for connecting the communication channel for, a detailed description thereof will be omitted for convenience.

When the communication channel for registering the joint operation target financial product is connected between the terminal and the server as described above, the terminal receives the joint operation target financial product registration request interface for registering the joint operation target financial product to the server through the communication channel. Request a screen (305), and in response, the server inputs (or selects) a user interface for inputting (or selecting) joint business target financial product registration request information including at least one of the financial institution information and the financial product information. Create (or extract) the joint business target financial product registration request interface screen including 310 and transmit the generated (or extracted) joint business target financial product registration request interface screen to the terminal through the communication channel ( 315).

Thereafter, the terminal includes the user interface included in the joint business target financial product registration request interface screen for inputting (or selecting) the joint business target financial product registration request information including at least one of the financial institution information and the financial product information. In step 320, the joint product target financial product registration request information is input (or selected) through.

If the terminal receives (or selects) joint business object financial product registration request information including at least one financial institution information and financial product information (325), the terminal transmits the joint information to the server through the communication channel. Transmitting the target financial product registration request information (330), and correspondingly, the server stores the received joint business target financial product registration request information in the financial product D / B 130 shown in Figure 1 ( 335).

The financial institution information, financial institution name, business registration number, corporate registration number, business address, telephone number, representative name, representative address, representative telephone for the financial institution that wants to jointly operate one or more financial products through the joint sales system It is preferable to include at least one or more, a person in charge / manager telephone number.

Preferably, the financial product information includes at least one product name, a product agreement, or the like for a financial product that is to be sold through joint business among one or more financial products sold by the financial institution through the joint business system. .

4 is a diagram illustrating a joint business system for joint business receptionist registration and handling according to one embodiment of the present invention.

In more detail, Figure 4 shows that when a predetermined customer visits a financial institution and applies for a joint business target financial product by employee's recommendation, the customer information, financial product information, handling information and introduction information for registration of joint business registration When the application form for the joint venture financial product joining application including at least one handling registration information is completed and submitted, the joint sales request information corresponding to the joint business target financial product joining application is sent to the joint sales system through the joint business registration interface. If provided, check the joint business request information to determine whether the financial product is a joint operation, set the joint business status to the first state, and then notify the financial institution manager to request approval, the financial institution If the manager confirms and approves it, the co-operation status for the co-operation request information is changed to the first status. It is about a joint sales system to set the second state.

In addition, FIG. 4 shows that when a financial institution employee (wherein, the financial institution may be the financial institution or another financial institution) requests the inquiry on the joint business request information for the handling of the joint operation, After checking the joint business request information set in the state, providing the employee with the financial institution through the handling registration interface, and providing the handling information to the joint business system through the handling registration interface, the joint business request information set in the second state is displayed. And a joint operating system for processing (i.e., subscribing to a financial product desired by the customer) and setting the joint operating state set in the second state to the third state.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the construction of a joint sales system for joint business registration and handling. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 4 so that the electronic document repository is implemented in a DBMS located in the joint business system or the electronic document repository. It can be inferred that the implementation method is omitted, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method illustrated in FIG. 4, the electronic business target financial product subscription application electronic document corresponding to the joint business target financial product subscription application is illustrated as being generated on the server side on the joint business system. The present invention is not limited thereto, and the electronic business target financial product subscription application electronic document is obtained from a terminal (or the terminal) that has acquired image content corresponding to the joint business target financial product subscription application through a predetermined image acquisition device. A financial institution that has received an application for joining a joint venture financial product or a financial institution that has finally processed joint business request information corresponding to the application for joining a joint venture financial product (ie, a financial institution that has set the joint sales state to a third state) May be generated in the server) (for example, an electronic document generation function provided at the server side) Generating the co-operating target instrument subscription to the electronic document provided in the terminal group thereof), and to which the present invention is not limited.

Hereinafter, on the joint sales system shown in FIG. 4, through the predetermined joint sales reception registration interface, the joint sales request information corresponding to the joint sales target financial product subscription application prepared by the customer is received and stored in the storage medium 483. In addition, at least one means and / or a function corresponding to the functional configuration for managing the co-operation status from the first state to the third state to process the co-operation request information is referred to as "co-business server 400" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the joint business system for joint business reception registration and handling process includes a counter terminal 490 provided at at least one or more financial institution branches (or branch offices). And a joint sales request side employee terminal 495, wherein the joint sales request side employee terminal 495 communicates with a joint sales server 400 provided on the joint sales system through a financial network. Is connected.

Here, according to the intention and purpose of those skilled in the art, the joint sales server 400 provided on the joint sales system is not directly connected to the joint sales request staff terminal 495, the communication channel through the financial system It may be connected, by which the present invention is not limited.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for registration of the joint business registration, and through a window (or a teller) provided at the financial institution branch (branch branch). Fill out the application form for joining a predetermined financial product for joint business registration (e.g., a document having a form for filling in at least one information item for the joint business receptionist registration). It is preferable to seal the seal of the customer for the legal basis for the application for joining the joint venture financial product.

Subsequently, when the customer submits the completed joint business target financial product subscription application to the counter employee, the counter staff requests the customer information, financial product information, handling expected information, introduction information, Input (or select) joint business request information including at least one handling registration information, and in response, the joint business requesting employee terminal 495 displays the image content and the joint business request information through the financial network. It is preferable to transmit to the joint sales server 400 provided on the joint sales system.

Here, the joint sales request side employee terminal 495 preferably includes a financial terminal used by the employees of the branch (or branch) of the financial institution, the joint sales connected to the joint operation request side employee terminal 495 The server 400 may include a server (eg, a ledger server, etc.) provided on the financial system, or may be linked to the financial system through a communication network. The financial network connecting the co-operation server 400 and the co-operation server 400 may include a current network connecting a communication channel between the co-operation requesting employee terminal 495 and the co-operation server 400.

The storage medium 483 provided on the joint sales system according to the present invention includes the customer information, financial product information, and handling expected information included in the joint sales request information provided from the joint sales request side employee terminal 495. , The introduction information and the handling registration information may be stored in a predetermined storage medium 483.

The customer information includes the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the joint business target financial product subscription application, and the member information of the customer (for example, Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the joint business system in response to the customer by the customer joining as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The financial product information may include at least one product classification (eg, IB or Retail) for a financial product desired by the customer who has prepared the application for joining the joint product financial product, and an actual product name (or product code) according to the product classification. It is preferable to include the above.

The expected handling information includes a handling outline including the amount of handling according to the application for joining a financial product subject to the joint operation, a handling date to be handled, a handling time, and a discussion related to the dealings; It is preferable to include at least one request including a request.

Preferably, the introduction information includes a financial institution name, a department in charge, a person in charge, and a confirmation of the financial institution applying for subscription to the joint venture financial product.

Preferably, the handling registration information includes a financial institution name, a department in charge, a person in charge, and a confirmation of a financial institution that will actually handle joining the financial product targeted for the joint operation, and the financial institution name is automatically set in response to the financial product. The employee in charge of the financial instrument may also be set up manually (or automatically).

According to one embodiment of the invention, the storage medium 483 is preferably provided in a DBMS on the joint sales system (or financial system associated with the joint sales system), wherein the storage medium 483 is When provided on a financial system linked to the joint business system, the ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby, the present invention This is not limited.

The joint sales server 400 provided on the joint sales system according to the present invention is a generic term for the joint sales system side components connected to the joint sales request side employee terminal 495 through a predetermined financial network. It may be implemented by including one or more servers (or devices), and / or 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 joint sales server 400 connects and manages a predetermined communication channel with the joint sales requesting employee terminal 495 through the financial network (or interface means) (or interface means). It is characterized by comprising a).

According to an embodiment of the present invention, when the joint sales request side employee terminal 495 is a window terminal 490 connected to a predetermined financial network, the interface unit 405 is based on the protocol stack defined in the financial network. A communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a co-operation related program included in the window terminal 490 and connecting a predetermined communication channel with the window terminal 490. It is desirable to provide a face.

Referring to FIG. 4, when the joint sales requesting employee terminal 495 connects a communication channel with the joint sales server 400 through the interface unit 405, the joint sales server 400 connects the joint sales. Acquiring image contents corresponding to the joint business target financial product subscription application created by the customer through a predetermined image acquisition device provided in the joint business requesting employee terminal 495 for registration of registration, and receiving the joint business financial product. Generate (or extract) at least one user interface for inputting (or selecting) joint business request information corresponding to a subscription application to be transmitted to the joint business server 400, and in connection with the interface unit 405. An interface providing unit 410 (or interface providing means) for providing the generated (or extracted) user interface to the employee terminal 495, and the joint When the business requesting employee terminal 495 inputs (or selects) the joint business request information corresponding to the joint business target financial product subscription application through the user interface and transmits the joint business request information, the joint unit is connected to the interface unit 405. An image receiving unit 415 (or information receiving means) for receiving the joint sales request information transmitted from the sales requesting staff terminal 495 and an image based on the user interface in the joint sales requesting staff terminal 495. If an image content corresponding to the joint business target financial product subscription application prepared by the customer is obtained and transmitted, the image content corresponding to the joint business target financial product subscription application is received in connection with the interface unit 405. It is characterized by comprising an image receiving unit 420 (or image receiving means).

The interface providing unit 410 is connected to the joint sales server 400 after the co-operation requesting staff terminal 495 connects the communication channel with the joint sales server 400 through the interface unit 405. When requesting a user interface for registration of the joint business reception, image content corresponding to the joint business target financial product subscription application prepared by the customer is obtained through the image acquisition device provided in the joint sales requesting employee terminal 495. Generating at least one user interface for inputting (or selecting) joint business request information corresponding to the joint business target financial product subscription application and transmitting it to the joint business server 400 through the financial network; and / Alternatively, the user interface extracted from a predetermined database (not shown) and generated (or extracted) in association with the interface unit 405. It is characterized in that it is provided to the employee terminal 495 of the joint business request side through the financial network.

According to the method of the present invention, through the image acquisition apparatus, the joint operation request side employee terminal 495 acquires image contents corresponding to the joint business target financial product subscription application created by the customer, and subscribes to the joint business target financial product. When a predetermined joint business registration program is provided with at least one user interface for inputting (or selecting) joint business request information corresponding to an application and transmitting the same through the financial network to the joint business server 400. Obtaining image contents corresponding to the joint business target financial product subscription application created by the customer through a predetermined image acquisition device as described above, and inputting joint business request information corresponding to the joint business target financial product subscription application (or Select) to transmit to the co-operation server (400) Generating a database (or extract), and by the co-operating personnel requesting terminal (495) interface providing unit 410 may be omitted to provide a mubang, to which the present invention is not limited.

Thereafter, the joint sales requesting employee terminal 495 inputs the joint sales request information including at least one of the customer information, the financial product information, the handling expected information, the introduction information, and the handling registration information through the user interface (or Selects and transmits the input (or selected) joint business request information to the joint business server 400 through the financial network. In response, the information receiving unit 415 is connected to the interface unit 405. To receive the joint sales request information sent from the joint sales request side employee terminal (495).

In addition, the joint sales request side employee terminal 495 acquires the image content corresponding to the joint business target financial product subscription application created by the customer through a predetermined image acquisition device based on the user interface, the obtained image The contents are transmitted to the co-operation server 400 through the financial network. In response, the image receiving unit 420 is connected to the interface unit 405 to correspond to the co-operation target financial product subscription application. Characterized in that it receives.

According to another exemplary embodiment of the present invention, the joint sales request side employee terminal 495 acquires image contents corresponding to the joint business target financial product subscription application created by the customer through a predetermined image acquisition device and performs the joint sales. In the case of previously stored in a predetermined storage device provided in (or associated with) the requesting employee terminal 495, the co-operation requesting employee terminal 495 may store at least one or more previously stored in the storage device through the user interface. An image content corresponding to the joint business target financial product subscription application written by the customer is selected from the image contents and transmitted to the co-operation server 400 through the financial network. In response, the image receiving unit 420 may interface with the interface. Receive image content corresponding to the financial product subscription application form in cooperation with the unit 405 It is desirable to.

According to another exemplary embodiment of the present invention, an image content corresponding to a joint business target financial product subscription application created by the customer through the user interface in the joint business requesting employee terminal 495 and the joint business target financial product subscription application When the joint business request information corresponding to the data is transmitted together, the information receiving unit 415 is linked with the interface unit 405 together with the image content and the joint business request information corresponding to the financial product subscription application for the joint business It is possible to receive (for example, the image receiving unit 420 is integrated into the information receiving unit 415 and operated), whereby the present invention is not limited.

Referring to FIG. 4, when the joint sales request information received from the joint sales request side employee terminal 495 is received through the information receiving unit 415, the joint sales server 400 receives the received joint sales request. And a validity confirming unit 425 (or validity confirming means) for confirming whether the information satisfies the validity for the joint business receptionist registration process.

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

For example, the validity confirming unit 425 may include the customer information (customer personal information, member information, etc.) among the information included in the joint business request information in the ledger D / B on the financial system linked to the joint business system. It is desirable to include a check that matches the stored customer ledger.

Referring to FIG. 4, the joint sales server 400 receives the joint sales request information transmitted from the joint sales request side employee terminal 495 and then includes the financial product information included in the received joint sales request information. The information checking unit 430 (or information checking means) for confirming whether the financial product is a joint business, and the financial product information included in the joint business request information is identified as the financial business object for the joint business, the joint business request An information setting unit 435 (or information setting means) for setting the co-operation state of the information to a first state (eg, 'unreceived' state), and a co-operation request set to the manager of the financial institution as the first state And an information providing unit (or information providing means) requesting approval of the information.

The information confirming unit 430 receives the joint sales request information transmitted from the employee terminal 495 of the joint sales request side, and whether the financial product information included in the received joint sales request information is a financial product targeted for joint operations. It is characterized by checking whether or not.

According to the implementation method of the present invention, whether the received joint sales request information is a financial product targeted for joint operations, the information matching the financial product information included in the received joint sales request information is shown in FIG. It is preferable to check whether the received joint business request information is a financial product targeted for joint business by checking whether there is information matching the financial product information registered in the financial product D / B 485 through the information registration system. Do.

According to another exemplary embodiment of the present invention, whether the received joint business request information is a financial product targeted for joint operation is determined if financial institution information is included in the financial product information included in the received joint business request information. Based on the financial institution information (or based on the financial institution information confirmed based on the handling registration information included in the received joint business request information), whether the financial product is a financial product targeted for the joint operation by the server of the financial institution; By requesting and receiving a confirmation of whether or not, it is preferable to confirm whether the received joint business request information is a financial product targeted for joint business.

If the financial product information included in the received joint business request information is identified as a financial product targeted for joint operation, the information setting unit 435 indicates that the financial product information included in the joint business request information is a financial product targeted for joint operation. If confirmed as, characterized in that for setting the co-operation status for the co-operation request information to the first state.

According to the implementation method of the present invention, the joint sales status setting for the joint sales request information, the joint sales request information is received from the joint sales request side employee terminal 495, the received joint sales request information storage medium After being stored on the 483, the time point when the reception of the co-operation status for the co-operation request information stored in the storage medium 483 is completed (that is, the co-operation request information is received from the co-operation request side employee terminal 495). When the financial product information received and the financial product information included in the received joint business request information is identified as the financial product targeted for the joint business), the joint business state for the joint business request information is preferably set to the first state.

According to another exemplary embodiment of the present invention, when the joint sales request information is received from the joint sales request side employee terminal 495, the joint sales status setting for the joint sales request information is performed. When the co-operation status is received (ie, the co-operation request side employee terminal 495), the co-operation request information is received, and the financial product information included in the received co-operation request information is a financial product targeted for co-operation. At the point of confirming), the co-operation status for the co-operation request information is preferably set to the first state.

The information provider may request the manager of the financial institution to approve the joint business request information set to the first state.

According to the embodiment of the present invention, the approval request for the joint business request information set to the first state may be controlled through manager communication means (for example, mobile phone communication means, email communication means, messenger communication means, etc.) of the financial institution. It is desirable to request the approval by providing the presence or absence of joint business request information set to 1 status.

According to another embodiment of the present invention, the approval request for the joint business request information set to the first state, the text message including the callback URL to the mobile phone communication means of the manager communication means of the financial institution, and the text It is preferable to request the approval by providing the joint business request information set to the first state through a web page accessed through a callback URL included in the message.

Referring to FIG. 4, the joint sales server 400 requests the manager of the financial institution to approve the joint business request information set in the first state, and then the manager of the financial institution is set to the first state. When the approval for the request information is completed, the information receiving unit 415 (or information receiving means) for receiving the approval completion information and the co-operation status of the co-operation request information in response to the received approval completion information are second. And an information setting unit 435 (or information setting means) for setting to a state (for example, a 'reception completed' state).

The information receiving unit 415 requests the manager of the financial institution to approve the joint business request information set to the first state, and then the manager of the financial institution completes the approval of the joint business request information set to the first state. If so, characterized in that for receiving the approval completion information.

According to the implementation method of the present invention, the approval information is the financial institution that has confirmed at least one or more customer information, financial product information, handling expected information, introduction information, handling registration information included in the joint business request information set to the first state At least one of customer information, financial product information, handling information, introduction information, and handling registration information reflecting modifications to one or more of the above customer information, financial product information, handling information, introduction information, and handling registration information. It is preferable to include the above information, and may include the state setting information for setting to the 2-1 state (for example, 'undo' state) in addition to the above information.

The information setting unit 435 may set a co-operation state of the co-operation request information to a second state (eg, a 'reception completed' state) in response to the received approval completion information.

According to the implementation method of the present invention, the setting of the co-operation state to the second state with respect to the co-operation request information set to the first state, after the manager of the financial institution confirms the co-operation request information, the modifications, etc. In response to providing the approval completion information, and when the approval completion information is received, update the joint sales request information matching the received joint sales request information and store it on the storage medium 483, the joint sales request It is preferable to set the co-operation state for the information to the second state (which can be set to the 2-1 state according to the judgment of the manager of the financial institution).

According to the implementation method of the present invention, the joint sales server 400 is an interface unit 405 (or interface means) for connecting and managing a predetermined communication channel with the employee terminal 495 on the joint sales handling side through the financial network. It is characterized by comprising a).

According to the method of the present invention, when the co-operation handling side employee terminal 495 is a window terminal 490 connected to a predetermined financial network, the interface unit 405 is based on the protocol stack defined in the financial network. A communication interface for connecting at least one communication channel with a window terminal 490 and transmitting and receiving at least one information (or data) using a communication protocol defined in a joint business related program included in the window terminal 490. It is preferable to provide.

Referring to FIG. 4, when the cooperative sales server 400 connects a communication channel with the cooperative sales server 400 through the interface unit 405, the cooperative sales terminal 400. At least one user interface for inputting (or selecting) handling information by the financial institution employee who has confirmed the joint sales request information registered in the joint sales requesting employee terminal 495 for handling processing, and generating (or extracting) the handling information; An interface providing unit 410 (or an interface providing means) for providing the generated (or extracted) user interface to the cooperative handling side employee terminal 495 in association with an interface unit 405, and the cooperative handling side; When the employee terminal 495 inputs (or selects) and transmits handling information through the user interface, the cooperative business side in association with the interface unit 405. Provided with a terminal (495) information receiver 415 (or an information receiving means) for receiving handling information transmitted on it is characterized in that formed.

The interface providing unit 410 is connected to the joint sales server 400 after the co-operation handling staff terminal 495 connects the communication channel with the co-operation server 400 through the interface unit 405. When requesting a user interface for the joint sales handling process, at least one user interface for inputting (or selecting) handling information by a financial institution employee who has confirmed the joint sales request information registered in the joint sales requesting employee terminal 495. And generating (or extracting) and providing the generated (or extracted) user interface to the co-operation handling side employee terminal 495 in association with the interface unit 405.

According to an embodiment of the present invention, a financial institution employee who confirms co-operation request information registered in the co-operation requesting employee terminal 495 to the co-operation handling side employee terminal 495 for inputting (or selecting) handling information. When a joint sales handling processing program having at least one user interface is provided, a financial institution employee who confirms the joint sales request information registered by the joint sales requesting employee terminal 495 may enter (or select) the handling information. The interface providing unit 410 for generating (or extracting) at least one user interface and providing the same to the co-business handling staff terminal 495 may be omitted, and the present invention is not limited thereto.

That is, when requesting the inquiry of the joint sales target financial products that can be handled through the co-operation handling side employee terminal 495, the user interface to the co-operation request information in which the co-operation status of the registered co-operation request information is the second state. It is preferable to provide through.

Thereafter, the joint sales handling staff terminal 495 inputs (or selects) handling information including at least one of the customer information, basic information, and handling history information through the user interface. The handled information is transmitted to the co-operation server 400 through the financial network. In response, the information receiving unit 415 is connected to the interface unit 405 from the co-operation handling side employee terminal 495. Receive the handling information transmitted.

Referring to FIG. 4, the joint sales server 400 receives handling information transmitted from the joint sales handling staff terminal 495, and then the joint sales state of the joint sales request information corresponding to the received handling information. Is an information confirmation unit 430 (or information confirmation means) for confirming whether the second state, the joint business request information set in the second state, and the financial product processing the financial product subscription based on the received handling information After the subscription processing unit 440 (or financial product subscription processing means) and the financial product subscription processing based on the joint business request information and handling information, setting the information to set the joint business state from the second state to the third state And a portion 435 (or information setting means).

The information checking unit 430, after receiving the handling information sent from the co-operation handling side staff terminal 495, whether the co-operation status of the co-operation request information corresponding to the received handling information is the second state; Characterized in that the check.

According to the implementation method of the present invention, after confirming whether the joint operation status of the joint sales request information corresponding to the received handling information is the second state, after confirming the joint sales request information corresponding to the received handling information, It is preferable to check whether the joint sales status of the joint sales request information corresponding to the received handling information is the second status by checking whether the joint sales status of the identified joint sales request information is the second status. .

When the financial product subscription processing unit 440 determines whether the joint business status of the received handling information is set to the second state, the financial product subscription processing unit 440 is based on the joint business request information set to the second state and the received handling information. It is characterized by processing the financial product subscription.

According to the implementation method of the present invention, processing the financial product subscription based on the received handling information, the joint sales request information set in the second handling state and the joint information handling side staff terminal 495 It is advisable to request transfer of financial instruments by sending them to the financial system.

According to another exemplary embodiment of the present invention, the processing of the financial product subscription based on the received handling information may include transmitting the received handling information and the joint business request information from the co-operation server 400 to a financial system. It is desirable to request a subscription process.

If the financial product subscription processing is completed based on the received handling information and the joint business request information set to the second state, the information setting unit 435 may set the financial product based on the joint business request information and the handling information. After processing the subscription, the joint business status is characterized in that the setting from the second state to the third state.

According to the implementation method of the present invention, the setting of the joint sales status based on the handling information and the joint sales request information set in the second state, the handling information is received from the joint sales handling staff terminal 495, After the financial product subscription processing is completed based on the received handling information and the joint business request information set in the second state, it is preferable to set the joint business state set in the second state to the third state.

Referring to FIG. 4, the joint sales server 400 confirms whether or not there is a revenue generation for the financial products subscribed based on the joint sales request information in which the joint sales state is set to the third state. (Or information confirmation means) and a revenue distribution processing unit 445 (or revenue distribution processing means) for distributing the profits based on the synergy gain and loss measurement information for the subscribed financial instrument when it is confirmed that the revenue is generated. It is characterized by comprising a.

Here, the synergy profit and loss calculation is preferably calculated based on the following program code.

insert into TMP_SNG_COMMON_BIZ_SNGSUIK (YYYYMM, YYYY, SEQ, SUB_SEQ,

               CLIENT_ACCOUNT, DEAL_DATE, DEALAMT_GUBUN, DEAL_AMT,

               DEAL_AMT_BEFORE_COST, DEAL_AMT_AFTER_COST,

               INTRO_DC_AMT, INTRO_APPORTION_AMT,

               TRANS_APPORTION_AMT1, TRANS_APPORTION_AMT2,

               TRANS_APPORTION_AMT3, TRANS_APPORTION_AMT4,

               TRANS_APPORTION_AMT5, DC_OPTION)

select '& 1', B.STD_YY, B.SEQ, B.SUB_SEQ, B.CLIENT_ACCOUNT, B.DEAL_DATE,

               B.DEALAMT_GUBUN, B.DEAL_AMT,

 0, 0, 0,

B.INTRO_APPORTION_AMT,

               B.TRANS_APPORTION_AMT1, B.TRANS_APPORTION_AMT2,

               B.TRANS_APPORTION_AMT3, B.TRANS_APPORTION_AMT4, 0,

               C.DC_OPTION

from TB_SNG_COMMON_BIZ_REG A,

     TB_SNG_COMMON_BIZ_RESULT B,

     TB_SNG_COMMON_BIZ_PRODUCT_INFO C

where A.STD_YY = B.STD_YY and A.SEQ = B.SEQ

  and A.PRODUCT_DETAIL = C.CODE_VALUE

  B.STATUS = '11 'and substr (B.DEAL_DATE, 1,6) <=' & 1 '

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = (DEAL_AMT ÷ (to_date (A.YYYYMM + 1 || '01 ',' YYYYMMDD ')

                    -to_date (A.DEAL_DATE, 'YYYYMMDD'))

                    × (to_date (A.YYYY + 1, 'YYYY')

                    -to_date (A.YYYY, 'YYYY')))

                    * decode (DC_OPTION, 18, 0.5, 1)

where A.DC_OPTION in (1, 6, 7, 18) and A.DEALAMT_GUBUN = '2'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT

where A.DC_OPTION in (2, 8, 9) and A.DEALAMT_GUBUN = '2'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = (DEAL_AMT) * decode (DC_OPTION, 18, 0.5, 1)

where A.DC_OPTION in (3, 6, 8, 18) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = case when DEAL_AMT <= 500000000 then DEAL_AMT

                      when DEAL_AMT> 500000000 then

                          (500000000 + (500000000-DEAL_AMT) * 0.5) end

where A.DC_OPTION in (4, 7, 9) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.2

where A.DC_OPTION in (5, 14) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.003

where A.DC_OPTION = 10 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.005

where A.DC_OPTION = 11 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.01

where A.DC_OPTION = 12 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = case when DEAL_AMT * 0.02 <= 10000000000

        then DEAL_AMT * 0.02

     when DEAL_AMT> 10000000000

        then (10000000000 * 0.02 + (10000000000-DEAL_AMT) * 0.01) end

where A.DC_OPTION in (13, 14) and A.DEALAMT_GUBUN = '1'

According to the implementation method of the present invention, whether or not to generate revenue for the financial products subscribed based on the joint business request information in which the joint business status is set to the third state is financed to the subscription process based on the joint business request information. It is a good idea to verify the amount of revenue other than the amount paid by the customer for the product.

According to another exemplary embodiment of the present invention, whether or not to generate revenue for the financial product subscribed to the joint business request information with the joint business status set to the third state may be processed based on the joint business request information. Co-operation, in which the co-operation status is set to the third state, for the profits generated by providing loan services using the amount paid by the customer for the financial instruments or investments in other financial instruments, investments such as real estate or bonds, etc. It is desirable to verify the revenue of the financial instruments subscribed based on the requested information.

Thereafter, it is preferable to distribute and process the profit of the identified financial product based on the synergy gain and loss measurement information between the financial institution of the joint business requesting party and the financial institution of the joint business processing side.

Here, the synergy profit and loss measurement information is preferably measured information calculated numerically on the profits and losses generated by the interaction of the financial institution of the joint operation request side and the financial institution of the joint operation processing side.

Referring to FIG. 4, the joint sales server 400 is set to the number of times the joint sales state set after receiving the joint sales request information is maintained in the first state for a predetermined period of time, or in a state other than the first to third states. Check the number of times, or the number of times maintained in the second state for a certain period of time, and if the number of times confirmed is greater than or equal to the reference number, the joint operation requested financial product is excluded from the joint operation, or the joint state set in the third state The joint sales financial product management unit 450 (or the joint sales operation) checks whether or not consecutive handling of the sales request occurs, and automatically processes to set the joint sales status to the third state when the consecutive handling is confirmed. Financial product management means).

According to the method of the present invention, a state other than the first to third states (that is, a state other than the 'unreceived', 'received', 'handling' state) is, after the joint business request information is received. If a financial product with respect to the received co-operation request information has a negative synergy (or a minor synergy), the manager of the financial institution that registers the co-operation request information is subject to It is desirable to exclude the financial product from the joint operation when a certain number of times is set (e.g., 'refusal of rejection', or 'exceeding the time limit' generated by neglecting a certain period).

In addition, when continuous handling (that is, a change in conditions or occurrence of additional fees for the joint venture financial product) is confirmed, it is preferable to automatically set the joint operating state to the third state in response thereto.

That is, when continuous handling occurs, the co-operation state is temporarily changed from the third state to the other state, it is preferable to check and automatically set the process to the third state.

Referring to FIG. 4, the joint sales server 400 receives the image contents transmitted from the joint sales request side employee terminal 495 through the image receiving unit 420 and receives the validity check unit 425. If the validity of the joint sales request information is authenticated (or if the joint sales state is set to the first state, the second state, or the 2-1 state after the validity is authenticated), the predetermined image including the received image content An electronic document generation unit 455 (or an electronic document generating means) for generating an electronic document for subscription to a joint venture financial product of the electronic business and an electronic document associated with the joint sales system It is characterized by comprising an electronic document transmission unit 460 (or electronic document transmission means) for transmitting to the document storage.

The electronic document generation unit 455 generates an electronic business target financial product subscription application electronic document including the image contents received from the joint business request side employee terminal 495 through the image receiving unit 420. It is done.

According to one embodiment of the invention, the electronic document generating unit 455 is the image file including the image content received from the employee terminal 495 of the joint sales request through the image receiving unit 420 as it is It is preferable to process the electronic business application for joining a financial product for joint business for processing joint business registration.

Alternatively, the electronic document generating unit 455 receives the joint business request information received through the information receiving unit 415 on the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420. The joint business receptionist registration process includes processing an image file corresponding to an image content including at least one of customer information, financial product information, handling information, introduction information, and handling registration information included in a watermarking method. It is desirable to generate an electronic document for applying for a financial product for joint business.

According to another exemplary embodiment of the present invention, the electronic document generating unit 455 includes a predetermined document file including the image content received from the co-operation requesting side employee terminal 495 through the image receiving unit 420. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to generate an electronic document for joining a joint venture financial product for processing a joint venture registration.

Alternatively, the electronic document generating unit 455 receives the joint business request information received through the information receiving unit 415 on the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420. Generating image content including at least one or more of customer information, financial product information, handling expected information, introduction information, and handling registration information included in a watermarking method, and including the generated image content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a joint business target financial product subscription application electronic document for the joint business receptionist registration processing.

According to another embodiment of the present invention, the electronic document generation unit 455 is the image content and the information receiving unit 415 received from the co-operation request side staff terminal 495 via the image receiving unit 420. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC) containing at least one document file including the co-operation request information received through , Or a web document file including MHT), it is preferable to generate a joint business target financial product subscription application electronic document for the joint business reception registration process.

Alternatively, the electronic document generating unit 455 receives the joint business request information received through the information receiving unit 415 on the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420. Generate image content including at least one or more of customer information, financial product information, handling information, introduction information, and handling registration information included in a watermarking method, and co-operating with the generated image content. A predetermined document file including sales request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By generating a web document file, etc.), it is desirable to generate an electronic document for subscription to a joint venture financial product for the joint business registration process. It is right.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 455 is a technical feature of generating an electronic document to apply for joint business financial product subscription image file format and / or a predetermined document file format And, since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic product subscription application electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 460 transmits and stores the electronic business target financial product subscription application electronic document generated by the electronic document generation unit 455 to a predetermined electronic document storage associated with the joint business system. It features.

As shown in FIG. 4, the electronic document repository is connected to the joint sales server 400 on the joint sales system through a predetermined communication means and the electronic document server 465 and the electronic document D / B 480. When provided to the outside, the electronic document transmission unit 460 is the electronic document target application for the financial product subscription generated by the electronic document generation unit 455 through the communication means the electronic document Characterized in that the transmission to the server (465).

In this case, when the electronic document server 465 and the electronic document D / B 480 are provided outside the joint business system, the electronic document server 465 and the electronic document D / B 480 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the joint sales system, the electronic document transmitting unit 460 is the joint document generated by the electronic document generating unit 455. It is possible to store the electronic document subscription application electronic document to be stored in the electronic document D / B 480 corresponding to the electronic document storage on the DBMS provided in the joint sales system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 460 is electronic document related information for generating predetermined electronic document management information in the electronic document server 465 (for example, the joint business corresponding to the image content) Customer information on which the target financial product subscription application is made, and / or financial institution information transmitting the electronic product subscription application electronic document, and / or electronic document file format information, and / or the joint business request information, etc.) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 4, if the joint sales request information received through the information receiving unit 415 is validated for the joint sales registration process through the validity checking unit 425, the joint sales server 400 is authenticated. And an information storage unit 463 for linking and processing the customer information, financial product information, handling expected information, introduction information, and handling registration information included in the validated joint business request information in a predetermined storage medium 483. (Or information storage means).

When the validity of the joint business request information is confirmed by the validity verification unit 425, the information storage unit 463 may include customer information, financial product information, handling expected information, and introduction information included in the joint business request information. And storing and storing the registered registration information in the storage medium 483, wherein the storage medium 483 is provided in the co-operation server 400 or is associated with the co-operation server 400. When provided on the network, the information storage unit 463 processes the customer information, financial product information, handling expected information, introduction information, handling registration information included in the received joint business request information in association with the storage medium ( 483), and when the storage medium 483 is provided in a DBMS provided on a financial system, the information storage unit 463 stores customer information and finance included in the received joint operation request information. The product-information, instruction prediction information, description information, handling properties over the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 4, a predetermined joint business target financial product subscription application electronic document is received from the joint sales server 400 provided on the joint sales system, and stored and managed in a predetermined electronic document D / B 480. The electronic document server 465 is an electronic document receiving unit 470 (or an electronic document receiving means) for receiving a predetermined electronic product subscription application electronic document from the common business server 400 through a predetermined communication means. And an information generating unit 473 (or information generating means) for generating predetermined electronic document management information for storing and managing the received joint business target financial product subscription application electronic document in the electronic document D / B 480. ) And an electronic document storage unit 475 (or electronic document storage means) for linking and processing the electronic document management information and the electronic product target subscription product electronic document in a predetermined electronic document D / B 480. It is characterized by comprising a).

The electronic document receiving unit 470 may receive an electronic document subscription financial application subscription document in the form of an image file and / or a document file from the cooperative server 400 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 470 receives a joint product target financial product subscription electronic document through the communication means, the joint sales server 400 the joint sales request side employee terminal ( It is preferable that the image file including the image content received from 495 is included as it is.

Alternatively, the electronic document receiving unit 470 receives the joint business target financial product subscription application electronic document received through the communication means is the image that the joint sales server 400 received from the joint sales request side employee terminal (495) The image file corresponding to the image content including at least one or more of the customer information, financial product information, handling expected information, introduction information, handling registration information included in the joint business request information in a watermarking manner. It is preferable to comprise.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 470 receives a joint product target financial product subscription electronic document through the communication means, the joint sales server 400, the joint sales request side employee terminal A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC or the like) including at least one predetermined document file including image content received from 495, Or a web document file including the MHT).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 470 through the communication means, the electronic document is the image content received by the joint operating server 400 from the employee terminal 495 of the joint sales request side. Predetermined document file including image contents including at least one of customer information, financial product information, handling expected information, introduction information, and handling registration information included in the joint business request information in a watermarking manner. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to another embodiment of the present invention, the joint business target financial product subscription application electronic document received by the electronic document receiving unit 470 through the communication means is the joint sales server 400 the joint sales request staff At least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content received from the terminal 495 and the joint business request information. Or a web document file including the MHT).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 470 through the communication means, the electronic document is the image content received by the joint operating server 400 from the employee terminal 495 of the joint sales request side. Image content including the at least one or more of customer information, financial product information, handling expected information, introduction information, and handling registration information included in the joint business request information in a watermarking manner, and the joint business request information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

The information generator 473 is a predetermined electronic document unique number (or unique information) to be assigned to the joint business target financial product subscription electronic document received through the electronic document receiving unit 470, and the electronic document receiving unit 470 An electronic document including electronic document archiving date and time information including a date and time (or a date and time at which the joint business target financial product subscription application electronic document was stored) through And generating management information.

According to the exemplary embodiment of the present invention, the information generating unit 473 refers to the co-operation server 400 which transmits the electronic business target financial product subscription request electronic document received through the electronic document receiving unit 470. It is preferable to check the financial institution that has sent the electronic product subscription application electronic document for the joint operation, 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 co-operation server 400 through the electronic document receiving unit 470, the information generating unit 473 receives the received information. Electronic document-related information (e.g., customer information for preparing a joint business target financial product subscription application corresponding to the image content, and / or financial institution information for transmitting the joint business target financial product subscription application electronic document, and / or electronic document) It is desirable to generate electronic document management information further comprising file format information, and / or the joint business request information.

The electronic document storage unit 475 associates the electronic document management application electronic document received through the electronic document receiving unit 470 with the electronic document management information generated through the information generation unit 473 and performs a predetermined process. Characterized in that stored in the electronic document D / B (480).

According to the exemplary embodiment of the present invention, the joint business target financial product subscription application electronic document stored in the electronic document D / B 480 by the electronic document storage unit 475 is the joint sales server 400. It is preferable that the image file including the image content received from the sales request side employee terminal 495 is included as it is.

Alternatively, the electronic document storage unit 475 stores the electronic product D / B 480 in the joint business target financial product subscription request electronic document, the joint sales server 400, the joint sales request side employee terminal ( An image including at least one of customer information, financial product information, handling expected information, introduction information, and handling registration information included in the joint business request information in a watermarking method in the image content received from 495). It is preferable to include an image file corresponding to the content.

According to another exemplary embodiment of the present invention, the electronic document storage unit 475 stores the electronic product D / B 480 in the joint business target financial product subscription application electronic document that the joint sales server 400 At least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content received from the employee terminal 495 of the joint sales request side. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document storage unit 475 stores a joint business target financial product subscription application electronic document stored in the electronic document D / B 480. The joint business server 400 has the joint business request side employee terminal 495. Image content including at least one or more of customer information, financial product information, handling expected information, introduction information, and handling registration information included in the joint business request information in a watermarking manner. 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).

According to another exemplary embodiment of the present invention, the electronic business storage unit 475 stores a joint business target financial product subscription electronic document stored in the electronic document D / B 480 by the joint business server 400. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including the image content received from the co-business requesting employee terminal 495 and the co-business request information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the electronic document storage unit 475 stores a joint business target financial product subscription application electronic document stored in the electronic document D / B 480. The joint business server 400 has the joint business request side employee terminal 495. Image content including at least one or more of customer information, financial product information, handling expected information, introduction information, and handling registration information included in the joint business request information in a watermarking method; 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 joint business request information, or an MHT; Web document files, etc.) to be included.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B (480) by the electronic document storage unit 475 is processed in association with the financial product subscription application electronic document, the Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the electronic product subscription application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 480 by the electronic document storage unit 475 in association with the financial product subscription application electronic document, Preferably, the information on the financial institution that has transmitted the electronic business financial product subscription application electronic document identified with reference to the joint business server 400 that transmitted the electronic product financial application subscription application electronic document is preferably made.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the co-operation server 400, the electronic document storage unit 475 and the electronic business target financial product subscription request electronic document; The electronic document management information stored in the electronic document D / B 480 in association with each other may include the received electronic document related information (for example, customer information for creating a joint business target financial product subscription application corresponding to the image content), and And / or financial institution information for transmitting the electronic product subscription application electronic document, and / or electronic document file format information, and / or the joint business request information, etc.).

5A and 5B illustrate a process of registering joint business request information according to an exemplary embodiment of the present invention.

In more detail, Figures 5a and 5b is a window terminal 490 in which the joint sales requesting employee terminal 495 on the joint sales system shown in Fig. 4 is provided at a branch (or branch) of a financial institution. In the case where the server 400 has a ledger server (not shown) function on the financial system associated with the teller terminal 490 through a predetermined financial network, the predetermined customer receives customer information, When a financial product subscription application form including at least one of financial product information, handling information, introduction information, and handling registration information is prepared and submitted, the joint window is provided through a predetermined image obtaining apparatus at a predetermined window terminal 490. Acquire a predetermined image content corresponding to the application for subscription to the financial product for business, and subject the joint business to the joint business system through a predetermined joint business registration interface. When the joint business request information corresponding to the financial product subscription application and the image contents obtained from the financial product subscription application for the joint business are provided, a predetermined joint business target financial product subscription application electronic document including the image content is generated. Store in a predetermined storage medium 483 by storing in a predetermined electronic document storage, and processing the customer information, financial product information, handling expected information, introduction information, handling registration information included in the joint business request information in a predetermined storage medium. As a method, in detail, after obtaining the predetermined image content corresponding to the financial product subscription application for the joint operation through the predetermined image acquisition device in the window terminal 490 and transmits it to the joint operation server 400 Enter (or pre-select) joint business request information corresponding to the financial product subscription application form It shows an implementation method of transmitting to the cooperative server 400).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to register the co-operation request information from the counter terminal 490 to the co-operation server 400. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the implementation method illustrated in FIGS. 5A and 5B, the counter terminal 490 acquires predetermined image contents corresponding to the application for joining a financial product targeted for the joint operation through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) joint business request information corresponding to the joint business target financial product subscription application is illustrated as being provided from the joint business server 400, the counter terminal 490 may be provided. When the joint business receptionist registration program is provided, the user interface may not be provided from the joint business server 400, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 490 shown in FIG. 4 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the co-operation server 400 shown in FIG. 4 will be referred to as "server" for convenience. The customer information, financial product information, handling expected information, introduction information, and handling registration information transmitted from the counter terminal 490 to the co-operation server 400 are referred to as "co-business request information" for convenience.

Referring to FIGS. 5A and 5B, an application for joining a joint venture financial product for which a predetermined customer includes at least one of customer information, financial product information, handling expected information, introduction information, and handling registration information for a joint business registration registration process After filling out and submitting, the window terminal 490 shown in FIG. 4 is connected to the server through a predetermined financial network and connected to the server through a predetermined communication channel. When requesting a user interface for the business reception registration process (500), the server corresponding to the predetermined image content corresponding to the joint business target financial product subscription application created by the customer through a predetermined image acquisition device in the terminal; Generate (or extract) a user interface for acquiring and transmitting to the server (505), and through the financial network And outputs to transmit the group generated (or extracted) user interface to the mobile station 510. The

Thereafter, the terminal acquires image content corresponding to the joint business target financial product subscription application through a predetermined image acquisition device based on the user interface (515).

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

Thereafter, the server inputs joint business request information including at least one of customer information, financial product information, handling expected information, introduction information, and handling registration information corresponding to the joint business target financial product subscription application matching the image content. (Or select) to generate (or extract) a user interface for transmission to the server (530), and transmit and output the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information through the user interface (540).

If joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information is input (or selected) through the user interface (545), the terminal receives the financial information. The input (or selection) of the joint business request information is transmitted to the server through a network (550).

Subsequently, the server receives and reads joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information through the financial network, for the joint business request information. Validation is checked (555).

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

For example, the validity confirming unit 425 may include the customer information (customer personal information, member information, etc.) among the information included in the joint business request information in the ledger D / B on the financial system linked to the joint business system. It is desirable to include a check that matches the stored customer ledger.

If the validity of the joint sales request information is not authenticated (560), the server generates error information for the predetermined joint sales request information and transmits the error information to the terminal (562), and corresponds to the joint sales request information Do not perform any processing procedure.

On the other hand, if the validity of the joint business request information is authenticated (560), the server checks whether the financial product corresponding to the received joint business request information is subject to the joint business (563).

According to the implementation method of the present invention, whether the received joint sales request information is a financial product targeted for joint operations, the information matching the financial product information included in the received joint sales request information is shown in FIG. It is preferable to check whether the received joint business request information is a financial product targeted for joint business by checking whether there is information matching the financial product information registered in the financial product D / B 485 through the information registration system. Do.

According to another exemplary embodiment of the present invention, whether the received joint business request information is a financial product targeted for joint business is determined if financial institution information is included in the financial product information included in the received joint business request information. Based on the financial institution information (or based on the financial institution information confirmed based on the handling registration information included in the received joint business request information), whether the financial product is a financial product targeted for the joint operation by the server of the financial institution; It is preferable to check whether the received joint venture request information is a financial product targeted for joint operation by receiving and requesting confirmation of whether or not.

If it is determined that the financial product corresponding to the received joint business request information is not the subject of joint business (564), the server informs that the financial product corresponding to the received joint business request information is subject to the joint business exclusion. The information is generated (or extracted) and transmitted to the terminal (565).

On the other hand, if it is determined that the financial product corresponding to the received joint business request information is the target of joint business (564), the server sets the joint business status for the received joint business request information to the first state (566). In operation 567, the joint operation request information having the joint operation state set to the first state is provided to the manager of the financial institution.

According to the implementation method of the present invention, the joint sales status setting for the joint sales request information, the joint sales request information is received from the joint sales request side employee terminal 495, the received joint sales request information storage medium After being stored on the 483, the time point when the reception of the co-operation status for the co-operation request information stored in the storage medium 483 is completed (that is, the co-operation request information is received from the co-operation request side employee terminal 495). When the financial product information received and the financial product information included in the received joint business request information is identified as the financial product targeted for the joint business), the joint business state for the joint business request information is preferably set to the first state.

According to another exemplary embodiment of the present invention, when the joint sales request information is received from the joint sales request side employee terminal 495, the joint sales status setting for the joint sales request information is performed. When the co-operation status is received (ie, the co-operation request side employee terminal 495), the co-operation request information is received, and the financial product information included in the received co-operation request information is a financial product targeted for co-operation. At the point of confirming), the co-operation status for the co-operation request information is preferably set to the first state.

According to the embodiment of the present invention, the approval request for the joint business request information set to the first state may be controlled through manager communication means (for example, mobile phone communication means, email communication means, messenger communication means, etc.) of the financial institution. It is desirable to request the approval by providing the presence or absence of joint business request information set to 1 status.

According to another embodiment of the present invention, the approval request for the joint business request information set to the first state, the text message including the callback URL to the mobile phone communication means of the manager communication means of the financial institution, and the text It is preferable to request the approval by providing the joint business request information set to the first state through a web page accessed through a callback URL included in the message.

Thereafter, the server generates a predetermined electronic business target financial product subscription application electronic document including the image content (570).

According to the exemplary embodiment of the present invention, the server performs the joint sales reception registration process as it is, the image file including the image contents received from the joint sales request side employee terminal 495 through the image receiving unit 420. It is preferable to process the electronic documents for the application for joining a financial product for joint business.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Financial products subject to joint operations for the joint business registration registration processing image file corresponding to the image content including at least one or more information of financial product information, handling information, introduction information, handling registration information by watermarking method It is desirable to create a subscription application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the co-operation request side employee terminal 495 through the image receiving unit 420. Generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for a joint venture financial product.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Generate image content including at least one or more of financial product information, handling information, introduction information, and handling registration information by a watermarking method, and a predetermined document file (eg, including the generated image content) Accepting the joint business by generating 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 generate an electronic document for joining a joint venture financial product for registration processing.

According to another exemplary embodiment of the present invention, the server may share the image contents received from the co-operation request side employee terminal 495 through the image receiving unit 420 and the joint received through the information receiving unit 415. A predetermined document file including sales request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or an MHT. By generating a web document file, etc.), it is preferable to generate a joint business target financial product subscription application electronic document for the joint business receptionist registration processing.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Generates image content including at least one or more of financial product information, handling information, introduction information, and handling registration information by watermarking, and includes the generated image content and the joint business request information. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a joint business target financial product subscription application electronic document for the joint business receptionist registration processing.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a joint business target financial product subscription electronic document in an image file format and / or a predetermined document file format, and the joint business target. You will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic product subscription application electronic document, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic business target financial product subscription application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 4, the electronic document repository includes a predetermined electronic document server 465 and an electronic document D / B 480 linked to a server on the joint business system through predetermined communication means. When provided, the server preferably transmits the generated financial product subscription application electronic document to the electronic document server 465 through the communication means to store in the electronic document D / B (480) Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the joint sales system, the server stores the electronic document storage application electronic document on the DBMS provided in the joint sales system. It is possible to store in the electronic document D / B 480 corresponding to the present invention, by which the present invention is not limited.

According to the method of the present invention, storing the joint business target financial product subscription application electronic document in the electronic document storage, the process of linking the generated joint business target financial product subscription application electronic document and predetermined electronic document management information In this case, it is preferable to include the information stored in the electronic document D / B 480 shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic product subscription application electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (for example, customer information for preparing a joint business target financial product subscription application corresponding to the image content, and / or the electronic business target subscription product electronic document). Financial institution information, and / or electronic document file format information, and / or the joint business request information).

If the electronic document storage application electronic document subscription application electronic document is stored (580), the server includes the customer information, financial product information, handling expected information, introduction information, handling included in the joint business request information Registered information is linked and stored in a predetermined storage medium (483) (585), predetermined joint business request processing history information (e.g., the details of storing the electronic business financial application subscription application electronic document in the electronic document storage) , And / or generate (or extract) the details of storing the co-operation request information in the storage medium 483 and transmit it to the terminal (590).

According to one embodiment of the invention, the storage medium 483 is preferably provided in a DBMS on a financial system provided on the joint sales system (or associated with the joint sales system), wherein the storage medium 483 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 483 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering joint business request information according to another exemplary embodiment of the present invention.

In more detail, Figures 6a and 6b is a window terminal 490 in which a joint sales requesting employee terminal 495 on the joint sales system shown in Figure 4 is provided at a financial institution branch (or branch), and the joint sales. In the case where the server 400 has a ledger server (not shown) function on the financial system associated with the teller terminal 490 through a predetermined financial network, the predetermined customer receives customer information, When a financial product subscription application form including at least one of financial product information, handling information, introduction information, and handling registration information is prepared and submitted, the joint window is provided through a predetermined image obtaining apparatus at a predetermined window terminal 490. Acquire a predetermined image content corresponding to the application for subscription to the financial product for business, and subject the joint business to the joint business system through a predetermined joint business registration interface. When the joint business request information corresponding to the financial product subscription application and the image contents obtained from the financial product subscription application for the joint business are provided, a predetermined joint business target financial product subscription application electronic document including the image content is generated. Store in a predetermined storage medium 483 by storing in a predetermined electronic document storage, and by linking the customer information, financial product information, handling expected information, introduction information, handling registration information contained in the joint business request information. In the method, in detail, the window terminal 490 inputs (or selects) joint business request information corresponding to the joint business target financial product subscription application form and transmits it to the joint business server 400, and then, Through the image acquisition device, predetermined image content corresponding to the financial product subscription application form for the joint operation Deukhayeo illustrates an exemplary method of transmitting to the server co-operating 400. The

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 6a and 6b to transmit the co-operation request information from the counter terminal 490 to the co-operation server 400. Various implementation methods of registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, in the implementation method illustrated in FIGS. 6A and 6B, the counter terminal 490 acquires predetermined image contents corresponding to the application for joining a financial product for joint operation through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) joint business request information corresponding to the joint business target financial product subscription application is illustrated as being provided from the joint business server 400, the counter terminal 490 may be provided. When the joint business receptionist registration program is provided, the user interface may not be provided from the joint business server 400, and thus the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal 490 shown in Figure 4 is referred to as "terminal" for convenience, and the co-operation server 400 shown in Figure 4 is referred to as "server" for convenience. The customer information, financial product information, handling expected information, introduction information, and handling registration information transmitted from the counter terminal 490 to the co-operation server 400 are referred to as "co-business request information" for convenience.

Referring to Figures 6a and 6b, the application for joining a joint venture financial product that includes at least one customer information, financial product information, handling expected information, introduction information, handling registration information for a predetermined customer to process the joint business registration registration After filling out and submitting, the window terminal 490 shown in FIG. 4 is connected to the server through a predetermined financial network and connected to the server through a predetermined communication channel. When requesting a user interface for business registration registration (600), in response, the server corresponding to the customer information, financial product information, handling expected information, introduction information, handling corresponding to the joint business target financial product subscription application prepared by the customer User input for inputting (or selecting) joint business request information including at least one registration information and transmitting the same to the server. Generating the face (or extract), and 605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information through the user interface (615).

If the joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information is input (or selected) through the user interface (620), the terminal receives the financial information. The input (or selected) joint business request information is transmitted to the server through a network (625).

Subsequently, the server receives and reads joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information through the financial network, for the joint business request information. Validation is checked (630).

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

For example, the validity confirming unit 425 may include the customer information (customer personal information, member information, etc.) among the information included in the joint business request information in the ledger D / B on the financial system linked to the joint business system. It is desirable to include a check that matches the stored customer ledger.

If the validity of the joint sales request information is not authenticated (635), the server generates error information for the predetermined joint sales request information and transmits the error information to the terminal (637) corresponding to the joint sales request information. Do not perform joint business process.

On the other hand, if the validity of the joint business request information is authenticated (635), the server checks whether the financial product corresponding to the received joint business request information is a joint business target (638).

According to the implementation method of the present invention, whether the received joint sales request information is a financial product targeted for joint operations, the information matching the financial product information included in the received joint sales request information is shown in FIG. It is preferable to check whether the received joint business request information is a financial product targeted for joint business by checking whether there is information matching the financial product information registered in the financial product D / B 485 through the information registration system. Do.

According to another exemplary embodiment of the present invention, whether the received joint business request information is a financial product targeted for joint business is determined if financial institution information is included in the financial product information included in the received joint business request information. Based on the financial institution information (or based on the financial institution information confirmed based on the handling registration information included in the received joint business request information), whether the financial product is a financial product targeted for the joint operation by the server of the financial institution; By requesting and receiving a confirmation of whether or not, it is preferable to confirm whether the received joint business request information is a financial product targeted for joint business.

If it is determined that the financial product corresponding to the received joint business request information is not the subject of joint business (639), the server indicates that the financial product corresponding to the received joint business request information is subject to the joint business exclusion. The information is generated (or extracted) and transmitted to the terminal (640).

On the other hand, if it is determined that the financial product corresponding to the received joint business request information is a target for joint business (639), the server sets the joint business status for the received joint business request information to the first state (641). In operation 642, the joint operation request information having the joint operation state set to the first state is provided to the manager of the financial institution.

According to the implementation method of the present invention, the joint sales status setting for the joint sales request information, the joint sales request information is received from the joint sales request side employee terminal 495, the received joint sales request information storage medium After being stored on the 483, the time point when the reception of the co-operation status for the co-operation request information stored in the storage medium 483 is completed (that is, the co-operation request information is received from the co-operation request side employee terminal 495). When the financial product information received and the financial product information included in the received joint business request information is identified as the financial product targeted for the joint business), the joint business state for the joint business request information is preferably set to the first state.

According to another exemplary embodiment of the present invention, when the joint sales request information is received from the joint sales request side employee terminal 495, the joint sales status setting for the joint sales request information is performed. When the co-operation status is received (ie, the co-operation request side employee terminal 495), the co-operation request information is received, and the financial product information included in the received co-operation request information is a financial product targeted for co-operation. At the point of confirming), the co-operation status for the co-operation request information is preferably set to the first state.

According to the embodiment of the present invention, the approval request for the joint business request information set to the first state may be controlled through manager communication means (for example, mobile phone communication means, email communication means, messenger communication means, etc.) of the financial institution. It is desirable to request the approval by providing the presence or absence of joint business request information set to 1 status.

According to another embodiment of the present invention, the approval request for the joint business request information set to the first state, the text message including the callback URL to the mobile phone communication means of the manager communication means of the financial institution, and the text It is preferable to request the approval by providing the joint business request information set to the first state through a web page accessed through a callback URL included in the message.

Thereafter, the server generates (or extracts) a user interface for acquiring the predetermined image content corresponding to the joint business target financial product subscription application written by the customer through the predetermined image obtaining apparatus and transmitting it to the server. In operation 645, the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the joint business target financial product subscription application through a predetermined image acquisition device based on the user interface (655).

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

The server receiving the joint business request information and the image content from the terminal generates a predetermined electronic business target financial product subscription application electronic document including the image content (670).

According to the exemplary embodiment of the present invention, the server performs the joint sales reception registration process as it is, the image file including the image contents received from the joint sales request side employee terminal 495 through the image receiving unit 420. It is preferable to process the electronic documents for the application for joining a financial product for joint business.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Financial products subject to joint operations for the joint business registration registration processing image file corresponding to the image content including at least one or more information of financial product information, handling information, introduction information, handling registration information by watermarking method It is desirable to create a subscription application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the co-operation request side employee terminal 495 through the image receiving unit 420. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for a financial product for joint business.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Generate image content including at least one or more of financial product information, handling information, introduction information, and handling registration information by a watermarking method, and a predetermined document file including the generated image content (eg, Accepting the joint business by generating 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 generate an electronic document for joining a joint venture financial product for registration processing.

According to another exemplary embodiment of the present invention, the server may share the image contents received from the co-operation request side employee terminal 495 through the image receiving unit 420 and the joint received through the information receiving unit 415. A predetermined document file including sales request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By generating a web document file, etc.), it is preferable to generate a joint business target financial product subscription application electronic document for the joint business registration registration process.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Generates image content including at least one or more information of financial product information, handling information, introduction information, and handling registration information by a watermarking method, and includes the generated image content and the joint business request information. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a joint business target financial product subscription application electronic document for the joint business receptionist registration processing.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a joint business target financial product subscription electronic document in an image file format and / or a predetermined document file format, and the joint business target. You will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic product subscription application electronic document, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated joint business target financial product subscription application electronic document in a predetermined electronic document storage (675).

As shown in FIG. 4, the electronic document repository includes a predetermined electronic document server 465 and an electronic document D / B 480 linked to a server on the joint business system through predetermined communication means. When provided, the server preferably transmits the generated financial product subscription application electronic document to the electronic document server 465 through the communication means to store in the electronic document D / B (480) Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the joint sales system, the server stores the electronic document storage application electronic document on the DBMS provided in the joint sales system. It is possible to store in the electronic document D / B 480 corresponding to the present invention, by which the present invention is not limited.

According to the method of the present invention, storing the joint business target financial product subscription application electronic document in the electronic document storage, the process of linking the generated joint business target financial product subscription application electronic document and predetermined electronic document management information In this case, it is preferable to include the information stored in the electronic document D / B 480 shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic product subscription application electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (for example, customer information for preparing a joint business target financial product subscription application corresponding to the image content, and / or the electronic business target subscription product electronic document). Financial institution information, and / or electronic document file format information, and / or the joint business request information).

If the electronic document storage application electronic document subscription electronic document is stored (680), the server is the customer information, financial product information, handling expected information, introduction information, handling included in the joint business request information Registered information is linked and stored in a predetermined storage medium (483) (685), predetermined joint business request processing information (e.g., the details of storing the electronic product subscription application electronic document in the electronic document storage) , And / or generate (or extract) the details of storing the co-operation request information in the storage medium 483 and transmit it to the terminal (690).

According to one embodiment of the invention, the storage medium 483 is preferably provided in a DBMS on a financial system provided on the joint sales system (or associated with the joint sales system), wherein the storage medium 483 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 483 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering joint business request information according to another exemplary embodiment of the present invention.

In more detail, Figures 7a and 7b are a window terminal 490 provided with a joint business requesting employee terminal 495 on a joint sales system shown in Figure 4 at a financial institution branch (or branch). In the case where the server 400 has a ledger server (not shown) function on the financial system associated with the teller terminal 490 through a predetermined financial network, the predetermined customer receives customer information, When a financial product subscription application form including at least one of financial product information, handling information, introduction information, and handling registration information is prepared and submitted, the joint window is provided through a predetermined image obtaining apparatus at a predetermined window terminal 490. Acquire a predetermined image content corresponding to the application for subscription to the financial product for business, and subject the joint business to the joint business system through a predetermined joint business registration interface. When the joint business request information corresponding to the financial product subscription application and the image contents obtained from the financial product subscription application for the joint business are provided, a predetermined electronic product subscription application electronic document including the image content is generated. And store in a predetermined storage medium 483 by interworking the customer information, financial product information, handling expected information, introduction information, and handling registration information included in the joint business request information. As to the implementation method, in detail, the window terminal 490 acquires predetermined image contents corresponding to the joint business target financial product subscription application through a predetermined image acquisition device, and applies to the joint business target financial product subscription application. Input (or select) the corresponding joint business request information and transfer to the joint business server 400. The transmission method is shown.

Those skilled in the art to which the present invention pertains may register the co-operation request information from the counter terminal 490 to the co-operation server 400 by referring to and / or modifying the drawings 7a and 7b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the implementation method illustrated in FIGS. 7A and 7B, the counter terminal 490 acquires predetermined image contents corresponding to the application for joining a financial product for joint operation through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) joint business request information corresponding to the joint business target financial product subscription application is illustrated as being provided from the joint business server 400, the counter terminal 490 is prescribed. If the joint business receptionist registration program is provided, the user interface may not be provided from the joint sales server 400, thereby the present invention is not limited.

Hereinafter, the window terminal 490 shown in FIG. 4 in FIGS. 7A and 7B will be referred to as "terminal" for convenience, and the co-operation server 400 shown in FIG. 4 will be referred to as "server" for convenience. The customer information, financial product information, handling expected information, introduction information, and handling registration information transmitted from the counter terminal 490 to the co-operation server 400 are referred to as "co-business request information" for convenience.

Referring to FIGS. 7A and 7B, an application for joining a joint venture financial product for which a predetermined customer includes at least one of customer information, financial product information, handling expected information, introduction information, and handling registration information for the processing of joint business registration registration After filling out and submitting, the window terminal 490 shown in FIG. 4 is connected to the server through a predetermined financial network and connected to the server through a predetermined communication channel. When requesting a user interface for business reception registration processing (700), in response, the server inputs (or selects) joint business request information corresponding to the joint business target financial product subscription application prepared by the customer in the terminal, Acquiring predetermined image contents corresponding to the financial product subscription application form through the predetermined image obtaining apparatus. By generating (or extracting) a user interface for transmission to the server (705), and transmits the generated (or extracted) user interface to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information through the user interface (715).

If the joint business request information including at least one or more of the customer information, financial product information, handling expected information, introduction information, and handling registration information is input (or selected) through the user interface (720), the terminal is connected to the user. An image content corresponding to the joint business target financial product subscription application is obtained through a predetermined image acquisition device based on an interface (725).

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

Thereafter, the server receives and reads the joint business request information including at least one of the customer information, financial product information, handling expected information, introduction information, and handling registration information through the financial network to the joint business request information. Validation is checked (740).

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

For example, the validity confirming unit 425 may include the customer information (customer personal information, member information, etc.) among the information included in the joint business request information in the ledger D / B on the financial system linked to the joint business system. It is desirable to include a check that matches the stored customer ledger.

If the validity of the joint sales request information is not authenticated (745), the server generates error information for the predetermined joint sales request information and transmits the error information to the terminal (747), corresponding to the joint sales request information Do not perform any processing procedures.

On the other hand, if the validity of the joint business request information is authenticated (745), the server checks whether the financial product corresponding to the received joint business request information is a joint business target (748).

According to the implementation method of the present invention, whether the received joint sales request information is a financial product targeted for joint operations, the information matching the financial product information included in the received joint sales request information is shown in FIG. It is preferable to check whether the received joint business request information is a financial product targeted for joint business by checking whether there is information matching the financial product information registered in the financial product D / B 485 through the information registration system. Do.

According to another exemplary embodiment of the present invention, whether the received joint business request information is a financial product targeted for joint business is determined if financial institution information is included in the financial product information included in the received joint business request information. Based on the financial institution information (or based on the financial institution information confirmed based on the handling registration information included in the received joint business request information), whether the financial product is a financial product targeted for the joint operation by the server of the financial institution; By requesting and receiving a confirmation of whether or not, it is preferable to confirm whether the received joint business request information is a financial product targeted for joint business.

If it is determined that the financial product corresponding to the received joint business request information is not subject to the joint business (749), the server informs that the financial product corresponding to the received joint business request information is subject to the joint business exclusion. The information is generated (or extracted) and transmitted to the terminal (750).

On the other hand, if it is determined that the financial product corresponding to the received joint business request information is the target of joint business (749), the server sets the joint business status for the received joint business request information to the first state (751). In operation 752, the joint operation request information having the joint operation state set to the first state is provided to the manager of the financial institution.

According to the implementation method of the present invention, the joint sales status setting for the joint sales request information, the joint sales request information is received from the joint sales request side employee terminal 495, the received joint sales request information storage medium After being stored on the 483, the time point when the reception of the co-operation status for the co-operation request information stored in the storage medium 483 is completed (that is, the co-operation request information is received from the co-operation request side employee terminal 495). When the financial product information received and the financial product information included in the received joint business request information is identified as the financial product targeted for the joint business), the joint business state for the joint business request information is preferably set to the first state.

According to another exemplary embodiment of the present invention, when the joint sales request information is received from the joint sales request side employee terminal 495, the joint sales status setting for the joint sales request information is performed. When the co-operation status is received (ie, the co-operation request side employee terminal 495), the co-operation request information is received, and the financial product information included in the received co-operation request information is a financial product targeted for co-operation. At the point of confirming), the co-operation status for the co-operation request information is preferably set to the first state.

According to the embodiment of the present invention, the approval request for the joint business request information set to the first state may be controlled through manager communication means (for example, mobile phone communication means, email communication means, messenger communication means, etc.) of the financial institution. It is desirable to request the approval by providing the presence or absence of joint business request information set to 1 status.

According to another embodiment of the present invention, the approval request for the joint business request information set to the first state, the text message including the callback URL to the mobile phone communication means of the manager communication means of the financial institution, and the text It is preferable to request the approval by providing the joint business request information set to the first state through a web page accessed through a callback URL included in the message.

Thereafter, the server generates a predetermined electronic business target financial product subscription application electronic document including the image content (755).

According to the exemplary embodiment of the present invention, the server performs the joint sales reception registration process as it is, the image file including the image contents received from the joint sales request side employee terminal 495 through the image receiving unit 420. It is preferable to process the electronic documents for the application for joining a financial product for joint business.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Financial products subject to joint operations for the joint business registration registration processing image file corresponding to the image content including at least one or more information of financial product information, handling information, introduction information, handling registration information by watermarking method It is desirable to create a subscription application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the co-operation request side employee terminal 495 through the image receiving unit 420. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for a financial product for joint business.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Generate image content including at least one or more of financial product information, handling information, introduction information, and handling registration information by a watermarking method, and a predetermined document file including the generated image content (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate an electronic document for applying for a joint venture financial product for the registration processing.

According to another exemplary embodiment of the present invention, the server may share the image contents received from the co-operation request side employee terminal 495 through the image receiving unit 420 and the joint received through the information receiving unit 415. A predetermined document file including sales request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By generating a web document file, etc.), it is preferable to generate a joint business target financial product subscription application electronic document for the joint business registration registration process.

Alternatively, the server may include customer information included in the joint sales request information received through the information receiving unit 415 in the image content received from the joint sales requesting employee terminal 495 through the image receiving unit 420, Generating image content including at least one or more of financial product information, handling information, introduction information, and handling registration information by a watermarking method, and including the generated image content and the joint business request information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a joint business target financial product subscription application electronic document for the joint business receptionist registration processing.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a joint business target financial product subscription electronic document in an image file format and / or a predetermined document file format, and the joint business target. You will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic product subscription application electronic document, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic business target financial product subscription application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 4, the electronic document repository includes a predetermined electronic document server 465 and an electronic document D / B 480 linked to a server on the joint business system through predetermined communication means. When provided, the server transmits the generated financial product subscription application electronic document to the electronic document server 465 through the communication means to store in the electronic document D / B (480) desirable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the joint sales system, the server stores the electronic document storage application electronic document on the DBMS provided in the joint sales system. It is possible to store in the electronic document D / B 480 corresponding to the present invention, by which the present invention is not limited.

According to the method of the present invention, storing the joint business target financial product subscription application electronic document in the electronic document storage, the process of linking the generated joint business target financial product subscription application electronic document and predetermined electronic document management information In this case, it is preferable to include the information stored in the electronic document D / B 480 shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic product subscription application electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (for example, customer information for preparing a joint business target financial product subscription application corresponding to the image content, and / or the electronic business target subscription product electronic document). Financial institution information, and / or electronic document file format information, and / or the joint business request information).

If the electronic document storage application electronic document is applied to the electronic document storage is stored (765), the server is the customer information, financial product information, handling expected information, introduction information, handling included in the joint business request information Registered information is linked and stored in a predetermined storage medium 483 (770), predetermined joint business request processing information (e.g., the details of storing the electronic product subscription application electronic document in the electronic document storage) , And / or generate (or extract) the details of storing the co-operation request information in the storage medium 483 and transmit it to the terminal (775).

According to one embodiment of the invention, the storage medium 483 is preferably provided in a DBMS on a financial system provided on the joint sales system (or associated with the joint sales system), wherein the storage medium 483 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 483 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a process of registering joint business request information according to an exemplary embodiment of the present invention.

In more detail, Figure 8 shows a financial institution employee (wherein the financial institution may be the financial institution or another financial institution) for request for inquiry on the joint business request information for the handling of the joint business. Checking the joint business request information set to the state 2, provided to the employee of the financial institution through the handling registration interface, and providing the handling information to the joint business system through the handling registration interface, the joint business request information set to the second state The process of processing (that is, the subscription to the financial product desired by the customer), and the process of setting the joint operation state set in the second state to a third state, the general knowledge in the technical field to which the present invention belongs If you have, various implementations for the process of processing the joint business request information set to the second state by referring to and / or modified in this figure 8 Would be able to derive a method, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the co-operation handling staff terminal 495 shown in FIG. 4 is referred to as "terminal" for convenience, and the co-operation server 400 shown in FIG. 4 is referred to as "server" for convenience.

Referring to FIG. 8, a predetermined customer includes joint business request information set to a second state in order to input handling information including at least one of customer information, basic information, and handling history information for a joint business handling process. When the user interface is requested (800), the server correspondingly generates (or extracts) a user interface for the cooperative handling process requested by the terminal (805), and the generated (or extracted) through the financial network The user interface is transmitted to the terminal and output (810).

According to an embodiment of the present invention, a financial institution employee who confirms co-operation request information registered in the co-operation requesting employee terminal 495 to the co-operation handling side employee terminal 495 for inputting (or selecting) handling information. When a joint sales handling processing program having at least one user interface is provided, a financial institution employee who confirms the joint sales request information registered by the joint sales requesting employee terminal 495 may enter (or select) the handling information. The interface providing unit 410 for generating (or extracting) at least one user interface and providing the same to the co-business handling staff terminal 495 may be omitted, and the present invention is not limited thereto.

That is, when requesting the inquiry of the joint sales target financial products that can be handled through the co-operation handling side employee terminal 495, the user interface to the co-operation request information in which the co-operation status of the registered co-operation request information is the second state. It is preferable to provide through.

Thereafter, the terminal checks whether the handling information is input (or selected) through the output user interface (815).

If the handling information is input (or selected) through the output user interface (820), the terminal transmits the handling information input (or selected) through the user interface to the server (825), and correspondingly The server checks whether the co-operation request information corresponding to the received handling information is set to the second state (830).

According to the implementation method of the present invention, after confirming whether the joint operation status of the joint sales request information corresponding to the received handling information is the second state, after confirming the joint sales request information corresponding to the received handling information, It is preferable to check whether the joint sales status of the joint sales request information corresponding to the received handling information is the second status by checking whether the joint sales status with respect to the identified joint sales request information is the second status. .

If the joint business request information corresponding to the received handling information is not the second state (835), the server sets the joint business state setting corresponding to the received handling information to a state other than the second state. In operation 840, error information indicating that the information is generated (or extracted) is transmitted to the terminal.

On the other hand, when the joint business request information corresponding to the received handling information is in the second state (835), the server processes the subscription of the financial product based on the received handling information and the joint business request information set in the second state. And set to a third state (845), and confirms whether or not to generate revenue for the subscribed financial product (850).

According to the implementation method of the present invention, processing the financial product subscription based on the received handling information, the joint sales request information set in the second handling state and the joint information handling side staff terminal 495 It is desirable to request the financial product subscription processing by sending to the financial system.

According to another exemplary embodiment of the present invention, the processing of the financial product subscription based on the received handling information includes transmitting the received handling information and the joint business request information from the joint venture server 400 to the financial system. It is desirable to request a subscription process.

According to the implementation method of the present invention, the setting of the joint sales status based on the handling information and the joint sales request information set in the second state, the handling information is received from the joint sales handling staff terminal 495, After the financial product subscription processing is completed based on the received handling information and the joint business request information set in the second state, it is preferable to set the joint business state set in the second state to the third state.

If revenue for the subscribed financial product is generated (855), the server distributes the generated revenue to the joint sales requesting financial institution and the joint operating handling financial institution (860).

According to the implementation method of the present invention, whether or not to generate revenue for the financial products subscribed based on the joint business request information in which the joint business status is set to the third state is financed to the subscription process based on the joint business request information. It is a good idea to verify the amount of revenue other than the amount paid by the customer for the product.

According to another exemplary embodiment of the present invention, whether or not a revenue is generated for a financial product subscribed based on the joint business request information in which the joint business status is set to the third state may be processed based on the joint business request information. Co-operation, in which the co-operation status is set to the third state, for the profits generated by providing loan services using the amount paid by the customer for the financial instruments or investments in other financial instruments, investments such as real estate or bonds, etc. It is desirable to verify the revenue of the financial instruments subscribed based on the requested information.

Thereafter, it is preferable to distribute and process the profit of the identified financial product based on the synergy gain and loss measurement information between the financial institution of the joint business requesting party and the financial institution of the joint business processing side.

Here, the synergy profit and loss measurement information is preferably measured information calculated numerically on the profits and losses generated by the interaction of the financial institution of the joint operation request side and the financial institution of the joint operation processing side.

In addition, the synergistic profit and loss calculation is preferably calculated based on the following program code.

insert into TMP_SNG_COMMON_BIZ_SNGSUIK (YYYYMM, YYYY, SEQ, SUB_SEQ,

               CLIENT_ACCOUNT, DEAL_DATE, DEALAMT_GUBUN, DEAL_AMT,

               DEAL_AMT_BEFORE_COST, DEAL_AMT_AFTER_COST,

               INTRO_DC_AMT, INTRO_APPORTION_AMT,

               TRANS_APPORTION_AMT1, TRANS_APPORTION_AMT2,

               TRANS_APPORTION_AMT3, TRANS_APPORTION_AMT4,

               TRANS_APPORTION_AMT5, DC_OPTION)

select '& 1', B.STD_YY, B.SEQ, B.SUB_SEQ, B.CLIENT_ACCOUNT, B.DEAL_DATE,

               B.DEALAMT_GUBUN, B.DEAL_AMT,

 0, 0, 0,

B.INTRO_APPORTION_AMT,

               B.TRANS_APPORTION_AMT1, B.TRANS_APPORTION_AMT2,

               B.TRANS_APPORTION_AMT3, B.TRANS_APPORTION_AMT4, 0,

               C.DC_OPTION

from TB_SNG_COMMON_BIZ_REG A,

     TB_SNG_COMMON_BIZ_RESULT B,

     TB_SNG_COMMON_BIZ_PRODUCT_INFO C

where A.STD_YY = B.STD_YY and A.SEQ = B.SEQ

  and A.PRODUCT_DETAIL = C.CODE_VALUE

  B.STATUS = '11 'and substr (B.DEAL_DATE, 1,6) <=' & 1 '

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = (DEAL_AMT ÷ (to_date (A.YYYYMM + 1 || '01 ',' YYYYMMDD ')

                    -to_date (A.DEAL_DATE, 'YYYYMMDD'))

                    × (to_date (A.YYYY + 1, 'YYYY')

                    -to_date (A.YYYY, 'YYYY')))

                    * decode (DC_OPTION, 18, 0.5, 1)

where A.DC_OPTION in (1, 6, 7, 18) and A.DEALAMT_GUBUN = '2'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT

where A.DC_OPTION in (2, 8, 9) and A.DEALAMT_GUBUN = '2'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = (DEAL_AMT) * decode (DC_OPTION, 18, 0.5, 1)

where A.DC_OPTION in (3, 6, 8, 18) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = case when DEAL_AMT <= 500000000 then DEAL_AMT

                      when DEAL_AMT> 500000000 then

                          (500000000 + (500000000-DEAL_AMT) * 0.5) end

where A.DC_OPTION in (4, 7, 9) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.2

where A.DC_OPTION in (5, 14) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.003

where A.DC_OPTION = 10 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.005

where A.DC_OPTION = 11 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.01

where A.DC_OPTION = 12 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = case when DEAL_AMT * 0.02 <= 10000000000

        then DEAL_AMT * 0.02

     when DEAL_AMT> 10000000000

        then (10000000000 * 0.02 + (10000000000-DEAL_AMT) * 0.01) end

where A.DC_OPTION in (13, 14) and A.DEALAMT_GUBUN = '1'

Thereafter, the number of times the joint operation state set after receiving the joint business request information is maintained for a predetermined period of time in the first state, or the number of times set in a state other than the first to third states, or the second state is maintained for a certain period of time. Check the number of times, and if the checked number is more than the reference number, determine whether the joint operation requested financial product is excluded from the joint operation, or whether consecutive handling of the joint operation request set to the third state occurs. And, if the continuous handling is confirmed, it is preferable to process to automatically set the joint business status to the third status for the joint business request.

According to the method of the present invention, a state other than the first to third states (that is, a state other than the 'unreceived', 'received', 'handling' state) is, after the joint business request information is received. If a financial product with respect to the received co-operation request information has a negative synergy (or a minor synergy), the manager of the financial institution that registers the co-operation request information is subject to It is desirable to exclude the financial product from the joint operation when a certain number of times is set (e.g., 'refusal of rejection', or 'exceeding the time limit' generated by neglecting a certain period).

In addition, when consecutive handling (ie, occurrence of a condition change or additional fees for the joint venture financial product) is confirmed, it is preferable to automatically set the joint operating state to the third state in response.

That is, when continuous handling occurs, the co-operation state is temporarily changed from the third state to the other state, it is preferable to check and automatically set the process to the third state.

9 is a diagram illustrating an example screen for a user interface that is output when a general employee selects a main menu for a co-operation among employees of a financial institution requesting co-operation according to an embodiment of the present invention.

In more detail, in FIG. 9, the employee of the joint sales requesting financial institution selects a main menu (ie, the top menu of at least one menu) of the joint sales through the joint sales requesting employee terminal shown in FIG. 9. As an example screen for a user interface that is output when a user has ordinary knowledge in the field to which the present invention pertains, various implementation methods for the example screen of the user interface will be described with reference to and / or modified with reference to FIG. 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.

For example, a person having ordinary knowledge in the field to which the present invention pertains may refer to and / or modify the drawing 9 so that the employees of the co-operation requesting financial institution through the co-operation requesting employee terminal are the mains. The user interface may be provided after a separate main menu (or a main menu designated by a financial institution employee) is output, rather than a user interface output when a menu is selected, and the present invention is not limited thereto.

Referring to FIG. 9, a user interface outputted when an employee of a financial institution requesting co-operation selects a main menu for a co-operation is for inquiring about the co-operation registration and handling status based on the department of the logged-in employee. Joint business inquiry menu area 900 and reference information management menu area 905 for registration and payment of product codes provided to the synergy promotion personnel of financial institutions (or servers on the Internet) that provide services for the joint business system. And an information board menu area 910 for checking the Q & A attribute (eg, synergy operating income calculation method) and question and answer.

The joint sales inquiry menu area 900 includes a joint sales inquiry menu requesting a user interface for joint sales inquiry in order to query the joint sales reception registration and handling status based on the department of the logged-in employee. desirable.

Then, at least one of the management number or registration date (scheduled period) included in the output user interface, introduction company, introduction branch, product classification, brand name, handling company, handling branch, customer name, customer room name number, progress status Request a joint sales inquiry based on the inquiry condition input (or selected) through the inquiry condition selection area 915 for selecting a condition, and when the inquiry result is received, control number, order, registration date, progress status, manager It is preferable to output through the area 920 to be output according to the order of confirmation, customer name, introduction company, introduction point, introduction staff, handling company.

The reference information management menu area 905 includes a product code registration / retrieval menu for registration and payment of a product code provided to a synergy manager of a financial institution (or a server on the Internet) that provides a service for a joint sales system. It is preferable to comprise.

The information board menu area 910 may include a product information menu and a Q & A menu for checking the attributes (eg, synergistic operating income calculation method) and question and answer for each joint business product.

FIG. 10 is a diagram illustrating an example screen for a user interface that is output when an administrator selects a main menu for co-operation among employees of a financial institution requesting co-operation according to an embodiment of the present invention.

In more detail, in FIG. 10, a main menu (ie, at least one or more menus) for a joint operation is performed by an employee having an administrator authority among the employees of the joint sales requesting financial institution through the joint sales requesting employee terminal shown in FIG. 10. An example screen for a user interface displayed when a top menu is selected is shown. If a person of ordinary skill in the art belongs to the present invention, an example screen of the user interface will be described with reference to and / or modified with reference to FIG. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 so that the employees of the co-operation requesting financial institution through the co-operation requesting employee terminal are the mains of the co-operation. The user interface may be provided after a separate main menu (or a main menu designated by a financial institution employee) is output, rather than a user interface output when a menu is selected, and the present invention is not limited thereto.

Referring to FIG. 10, the user interface displayed when a manager-level employee selects a main menu for co-operation among employees of a financial institution requesting co-operation, registers and handles co-operation registration based on the department of the logged-in employee. Joint business inquiry menu area to search the status, and standard information management menu area for registration and payment of product codes provided to the synergy managers of financial institutions (or servers on the Internet) that provide services for the joint business system ( 1000), and information board menu areas for checking the joint business product attributes (eg, synergistic operating income calculation method) and question and answer.

In addition, the user interface that is displayed when a manager-level employee selects a main menu for co-operation among employees of a financial institution requesting co-operation includes at least one inquiry button for receiving registration disconfirm and one for inquiry for handling disconfirmation registration. Discomfirm inquiry button area 1005 is preferably further provided.

The joint sales inquiry menu area preferably includes a joint sales inquiry menu requesting a user interface for joint sales inquiry in order to query the joint sales reception registration and handling status based on the department of the logged-in employee.

Then, at least one of the management number or registration date (scheduled period) included in the output user interface, introduction company, introduction branch, product classification, brand name, handling company, handling branch, customer name, customer room name number, progress status Request a joint business inquiry based on the inquiry condition input (or selection) through the inquiry condition selection area to select the condition, and when the inquiry result is received, control number, order, registration date, progress status, administrator confirmation, It is preferable to print through the area of output according to the order of the customer name, the introduction company, the introduction branch, the introduction staff, and the handling company.

Then, at least one of the management number or registration date (scheduled period) included in the output user interface, introduction company, introduction branch, product classification, brand name, handling company, handling branch, customer name, customer room name number, progress status Request a joint business inquiry based on the inquiry condition input (or selection) through the inquiry condition selection area to select the condition, and when the inquiry result is received, control number, order, registration date, progress status, administrator confirmation, It is preferable to output through the area 1010 to be output in the order of the customer name, the introduction company, the introduction branch, the introduction staff, the handling company.

The reference information management menu area 1000 includes a product code registration / retrieval menu for registration and payment of a product code provided to a synergy manager of a financial institution (or a server on the Internet) that provides a service for a joint business system. In addition, it is preferable to include a manager registration / query menu for registration / query of the administrator.

The information board menu area preferably includes a product information menu and a Q & A menu for checking the attributes (eg, synergistic operating income calculation method) for each joint business product and question and answer.

11a, 11b, 11c, 11d, 11e, 11f, and 11g are output when a general employee or manager requests a joint business registration registration among employees of a financial institution requesting joint business according to the method of the present invention. FIG. 4 is a diagram illustrating an example screen for a user interface.

In more detail, FIGS. 11A, 11B, 11C, 11D, 11E, 11F, and 11G are output when a registration button is clicked (or selected) among the buttons on the user interface shown in FIG. 9 or 10. An example screen of a user interface for joint business receptionist registration is shown, and a person of ordinary skill in the art to which the present invention pertains may have the following figures 11a and 11b and 11c and 11d and 11e and 11f. By referring to and / or modifying the drawings and / or the drawing 11g, it is possible to infer various implementation methods for the example screen of the user interface outputted when a general employee or manager requests a joint business registration registration among employees of a financial institution requesting joint business. The present invention encompasses all the inferred implementation methods and includes the present figures 11a and 11b and 11c and 11d and 11e and 11f and 11f. It is not limited only to the implementation method shown by g.

11A, 11B, 11C, 11D, 11E, 11F, and 11G, the user interface for registration of joint business registration includes a control number output area for outputting a control number, and a control number for the control number. It is preferable to have a basic information area including at least one registration date input area for inputting (or selecting) a registration date for the joint business registration.

Here, the management number provided through the management number output area is preferably a number (or code) that is automatically numbered in order to manage the joint business request registered by one or more joint business requesting staff.

In addition, it is preferable that a registration date input through the registration date input area provides a calendar interface and set a date corresponding to a location input (or selected) through the provided calendar interface as a registration date.

Referring to FIGS. 11A, 11B, 11C, 11D, 11E, 11F, and 11G, the user interface for joint business receptionist registration, the user interface for joint business receptionist registration is a classification selection area of a product. And a product information selection area including at least one product name selection area corresponding to the classification selection of the product and at least one joint business division output area for outputting a division for the joint business receptionist registration.

Here, the product classification provided through the classification selection area of the product is classified into Invest Bank (IB) and Retail, and in the case of IB, the product belongs to an investment (for example, a fund, etc.), and Retail is a product related to a loan. Do.

In addition, the IB trade name provided in response to the IB selection is IPO, paid-in capital increase, M & A, corporate bonds, ABS, lease, installment financing, ship financing, financial advisory, equity investment (PI), venture investment, CRC, PF, LOAN , LOAN (liquidity), receiving (regularity), receiving (liquidity), foreign exchange / international (banking), apartment loans, fund sales and manufacturer contributions, introduction of fund acquisitions, Macquarie-linked products, Shinhan PE linked products, corporate cards It is preferable to include payment of employment insurance.

In addition, the retail trade name provided in response to the retail selection, such as securities trust account (WRAP), foreign currency exchange / remittance, personal loan (value), personal loan (liquidity), equity collateral (purchased funds), card loans, personal auto It is desirable to include leasing, SOHO franchise loans, charter capital loans (capital), business security loans (capital), meridians balance loans (capital), bank PB customer introduction, FC recruiting (Shinhan Life Insurance).

In addition, the co-business division output area, which is automatically displayed in response to the selection of the brand name, it is preferable that the output is divided into the introduction sales and joint sales.

Referring to FIGS. 11A, 11B, 11C, 11D, 11E, 11F, and 11G, the user interface for registration of joint business registration includes a name area for entering a customer name and a type of real name number. Real name number base area for selection, real name number input area where actual real name number is entered, representative name area for entering a representative name for the trade name entered in the customer name in case of corporation or group customer, corporate or group customer In the case of, select the status of the key man where the contact point is held (ie, the name of the person in charge) and the key man area for inputting the contact point, and the progress status for selecting the progress status for the joint business request information inputted (or selected). It is preferable to comprise an area.

Here, the type of real name number selected through the real name number reference area is preferably any one of a resident registration number, a corporation number, a business registration number, it is preferably selected to suit the characteristics of the customer.

For example, when the joint business request target customer is a general customer (ie, an individual customer), the kind of the real name number is preferably a social security number.

Further, the progress state selected through the progress state selection area is any one of unreceived, completion of acceptance, rejection of acceptance, pre-application, return of acceptance, and time limit, and it is preferable that only an administrator can select it.

Referring to FIGS. 11A, 11B, 11C, 11D, 11E, 11F, and 11G, the user interface for joint business receptionist registration enters (or selects) the amount of handling for the joint business registration. Handling appearance input area for handling, handling date input area for entering desired handling date, handling time selection area for handling time selection, offshore contents area for inputting contents related to consultation, request for handling agent It is preferable to have a handling prediction information input area having a request item input area for inputting the item.

Here, it is preferable that the handling appearance is input (or selected) in a fixed unit of a unit of the amount of handling for the case to be registered for joint business registration, which is preferably an approximate estimate.

In addition, the handling desired date is preferably made to include the desired date selection information that the customer wants to be handled through the joint business, it is preferable that a separate calendar interface is provided for this purpose.

Referring to FIGS. 11A, 11B, 11C, 11D, 11E, 11F, and 11G, the user interface for co-operation registration is based on an introduction company that registers co-operation registration and a co-operation registration. It is preferable to include the information of the handling company to confirm and process, and the introduction company or handling company is preferably a plurality of financial institutions that provide financial product subscription services through joint operations.

Here, in the case of the handling company, it is preferable that the product is automatically selected according to the type and product name of the product selected at the time of registration of joint business registration. It is possible.

12A, 12B, and 12C illustrate exemplary screens of a user interface for processing an approval for a registered joint business request among managers of a financial institution requesting joint business according to an embodiment of the present invention. to be.

12A, 12B, and 12C are shown in FIG. 4 in response to the joint business request information registered through FIGS. 11A, 11B, 11C, 11D, 11E, 11F, 11F, and 11G. According to the processing of the illustrated co-operation system, the co-operation status is set to the first state (that is, unreceived state), and then the co-operation request information of the first state is set to the second state (that is, the reception completed state). An example screen of a user interface for setting a second state after confirming the contents and processing the approval is shown, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12. It is possible to infer various implementation methods for the example screen of the user interface for processing the approval of the registered joint sales request among the employees of the financial institution requesting joint sales. It would, in the present invention includes all embodiments in which the inference method, and they not limited to the exemplary method shown in the figure 12a and figure 12b and 12c drawings.

Referring to FIGS. 12A, 12B, and 12C, a second state is set in response to the joint business request information registered through FIGS. 11A, 11B, 11C, 11D, 11E, 11F, and 11G. The user interface for requesting an inquiry using the joint sales inquiry menu, and then setting one or more inquiry conditions through the user interface for the joint sales inquiry output, and when the inquiry is requested, the corresponding query result is entered It is preferably output at the bottom of the area.

If the progress state is selected (or clicked) as the first state (that is, 'unreceived' state) among the output results, it is preferable that the corresponding details are outputted, and the detailed details outputted are shown in the figure. 11A, 11B, 11C, 11D, 11E, 11F, 11F, and 11G are preferably inputted (or selected) through joint business request information.

Thereafter, after the administrator checks the output of the co-operation request information, when the manager requests the setting of switching the progress state from the first state to the second state (that is, setting the transition from the 'unreceived' state to the 'received' state), It is preferable that the set co-operation state is set to the second state.

In this case, in order to set the second state, it is possible to change the progress state on the output interface by inquiring the joint business request information set in the first state.

Alternatively, when the manager checks the output co-operation request information and then wants to change the progress state from the first state to another state, the manager clicks the manager Confirm button in response thereto, and corresponding co-operation manager Confirm -The user interface for registration registration is output, and through this, a second state (that is, 'reception completed' state) to the state other than the second state through the reason of rejection or other reasons such as rejection or rejection request or return, etc. It is possible to set, and when it is set to a state other than the second state, it is possible to re-register further including information reinforced in response thereto.

13A, 13B, 13C, and 13D illustrate exemplary screens of a user interface provided to an employee of a financial institution that processes a received joint business in accordance with an embodiment of the present invention.

In more detail, in FIGS. 13A, 13B, 13C, and 13D, the co-operation status for the co-operation registration information registered through the user interface shown in FIG. 11 or FIG. 12 is a second state (that is, 'reception completed'). An example screen of a user interface for processing a handling registration by inquiring / confirming that the status is' State) is shown. If a person having ordinary knowledge in the technical field to which the present invention belongs, the present inventions 13a, 13b and 13c Various implementations may be inferred for example screens of a user interface provided to employees of a financial institution handling a received joint business by referring to and / or modifying FIG. 13D, but the present invention may infer all implementation methods inferred from the above. Incidentally, the present invention is not limited to the implementation method shown in FIGS. 13A, 13B, 13C, and 13D.

Referring to FIGS. 13A, 13B, 13C, and 13D, a user interface for joint business reception registration may include a menu such as a joint business inquiry, reference information management menu, and information board area as shown in the drawing. An area and an area for outputting a user interface corresponding to the selection of the menu are preferably divided. In FIG. 13A, the user interface is output through the co-operation inquiry menu.

Herein, the user interface output through the co-operation inquiry menu may include an inquiry condition setting area for inputting (or selecting) an inquiry condition, a button area corresponding to an inquiry button / resistance registration button / Excel save button, and the like. When the inquiry button is clicked (or selected) through the button area, an inquiry result output area for providing an inquiry result based on the input (or selected) inquiry condition is preferably provided, and the inquiry condition is provided. If none is set, it is preferable that the inquiry result is received by requesting an inquiry based on a basic inquiry condition (eg, a query condition that can be handled by a department to which he belongs or a person designated as a person in charge).

If the progress status of the output inquiry result is the second state (that is, 'reception completed' state) is clicked (or selected), corresponding to the basic information registered by the employee (or manager) of the joint sales request side correspondingly It is preferable to comprise an area, a product information display area, a handling information display area, and a synergistic profit and loss measurement information display area.

In the basic information display area, it is preferable to output the management number and the introduction / handling company and the contact information for the joint business as the information at the time of registration.

In the product information display area, 'non-apply' selection for handwritten input transactions can be made only when the amount basis for each product is a fund margin, and it is preferable that the application varies depending on whether or not the management accounting system for each financial institution that is jointly operated is operated.

In this case, when the non-application is selected, it is preferable to automatically display the amount of the financial margin for each accounting account calculated by the financial institution when the unit period is settled.

Preferably, the handling information display area includes a handling date for the joint business case, an amount basis / amount, and an area for inputting a processing result.

The synergy profit and loss measurement information display area preferably outputs information on each measurement period, profit and loss recognition period, and D / C option.

Here, the synergy profit and loss calculation is preferably calculated based on the following program code.

insert into TMP_SNG_COMMON_BIZ_SNGSUIK (YYYYMM, YYYY, SEQ, SUB_SEQ,

               CLIENT_ACCOUNT, DEAL_DATE, DEALAMT_GUBUN, DEAL_AMT,

               DEAL_AMT_BEFORE_COST, DEAL_AMT_AFTER_COST,

               INTRO_DC_AMT, INTRO_APPORTION_AMT,

               TRANS_APPORTION_AMT1, TRANS_APPORTION_AMT2,

               TRANS_APPORTION_AMT3, TRANS_APPORTION_AMT4,

               TRANS_APPORTION_AMT5, DC_OPTION)

select '& 1', B.STD_YY, B.SEQ, B.SUB_SEQ, B.CLIENT_ACCOUNT, B.DEAL_DATE,

               B.DEALAMT_GUBUN, B.DEAL_AMT,

 0, 0, 0,

B.INTRO_APPORTION_AMT,

               B.TRANS_APPORTION_AMT1, B.TRANS_APPORTION_AMT2,

               B.TRANS_APPORTION_AMT3, B.TRANS_APPORTION_AMT4, 0,

               C.DC_OPTION

from TB_SNG_COMMON_BIZ_REG A,

     TB_SNG_COMMON_BIZ_RESULT B,

     TB_SNG_COMMON_BIZ_PRODUCT_INFO C

where A.STD_YY = B.STD_YY and A.SEQ = B.SEQ

  and A.PRODUCT_DETAIL = C.CODE_VALUE

  B.STATUS = '11 'and substr (B.DEAL_DATE, 1,6) <=' & 1 '

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = (DEAL_AMT ÷ (to_date (A.YYYYMM + 1 || '01 ',' YYYYMMDD ')

                    -to_date (A.DEAL_DATE, 'YYYYMMDD'))

                    × (to_date (A.YYYY + 1, 'YYYY')

                    -to_date (A.YYYY, 'YYYY')))

                    * decode (DC_OPTION, 18, 0.5, 1)

where A.DC_OPTION in (1, 6, 7, 18) and A.DEALAMT_GUBUN = '2'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT

where A.DC_OPTION in (2, 8, 9) and A.DEALAMT_GUBUN = '2'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = (DEAL_AMT) * decode (DC_OPTION, 18, 0.5, 1)

where A.DC_OPTION in (3, 6, 8, 18) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = case when DEAL_AMT <= 500000000 then DEAL_AMT

                      when DEAL_AMT> 500000000 then

                          (500000000 + (500000000-DEAL_AMT) * 0.5) end

where A.DC_OPTION in (4, 7, 9) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.2

where A.DC_OPTION in (5, 14) and A.DEALAMT_GUBUN = '3'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.003

where A.DC_OPTION = 10 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.005

where A.DC_OPTION = 11 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = DEAL_AMT * 0.01

where A.DC_OPTION = 12 and A.DEALAMT_GUBUN = '1'

update TMP_SNG_COMMON_BIZ_SNGSUIK A

set A.INTRO_DC_AMT + = case when DEAL_AMT * 0.02 <= 10000000000

        then DEAL_AMT * 0.02

     when DEAL_AMT> 10000000000

        then (10000000000 * 0.02 + (10000000000-DEAL_AMT) * 0.01) end

where A.DC_OPTION in (13, 14) and A.DEALAMT_GUBUN = '1'

According to the present invention, it is possible to apply the management complexity in the conventional introduction sales system by a simple operation, to enable efficient management, and because of the impossibility of interworking with the conventional system was operated as a separate single system The problem is provided through an integrated system to enable more convenient management, thereby enhancing convenience.

Claims (6)

When an employee of a financial institution (A) inputs (or selects) joint business request information for a financial product through the joint business reception registration interface outputted on the terminal A, it is input (or selected) through the joint business reception registration interface. Receiving the requested joint business request information and checking whether the joint business requested financial product is a financial product targeted for joint operation; If the financial product requested for joint operation is identified as a financial product targeted for joint operation, the joint operation state for the joint operation request information is set to the first state, and the financial institution manager receives approval for the joint operation request information. Requesting; Setting, by the financial institution (A) manager, the co-operation request information through the terminal A 'and setting the co-operation state set to the first state as a second state; When an employee of a financial institution (B) requests a search for a joint business target financial product that can be handled through the terminal (B), the manager of the financial institution (A) checks the joint business request information set to a second state, and the confirmed joint Providing business request information to the terminal (B) to be output; When the employee of the financial institution (B) who has confirmed the output joint business request information inputs (or selects) the handling information through the handling registration interface output to the terminal B, the handling information is input (or selected) through the handling registration interface. Receiving the handling information, processing the joint business request information-processing the subscription to the financial product that has requested the subscription-and setting the joint business status to a third state; How to operate a copper business service. The method of claim 1, Confirm the revenue generated by the financial instruments subscribed to by the joint business request information in which the joint sales status is set to the third state, and based on the synergy gain and loss measurement information for the subscribed financial instruments and the financial institution A; The financial institution (B), the step of distributing revenue; joint operating service operating method comprising a. The method of claim 1, The number of times the co-operation status set after receiving the co-operation request information is maintained for a predetermined period of time in the first state, or the number of times set to a state other than the first to third states, or the number of times maintained in the second state for a certain period of time. Checking, and if the confirmed number of times or more than the reference number, the step of excluding the joint operation requested financial products in the joint sales target; joint operating service operating method comprising the. The method of claim 1, Checking whether the consecutive handling of the co-operation request set to the third state occurs, and if the consecutive handling is confirmed, processing the co-operation state for the joint operation request to be automatically set to the third state; Characterized in that, The continuous handling, Method of operating a joint sales service, characterized in that the change of conditions or the occurrence of additional fees for the completed joint sales request. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When an employee of a financial institution (A) inputs (or selects) joint business request information for a financial product through the joint business reception registration interface outputted on the terminal A, it is input (or selected) through the joint business reception registration interface. Means for receiving the joint business request information and confirming whether the joint business requested financial product is a financial product targeted for joint operation; If the financial product requested for joint operation is identified as a financial product targeted for joint operation, the joint operation state for the joint operation request information is set to the first state, and the financial institution manager receives approval for the joint operation request information. Means for requesting; Means for setting, by the financial institution (A) manager, the co-operation request information through the terminal (A '), and setting the co-operation state set to the first state to a second state; When an employee of a financial institution (B) requests a search for a joint business target financial product that can be handled through the terminal (B), the manager of the financial institution (A) checks the joint business request information set to a second state, and the confirmed joint Means for providing business request information to the terminal (B) for output; When the employee of the financial institution (B) who has confirmed the output joint business request information inputs (or selects) the handling information through the handling registration interface output to the terminal B, the handling information is input (or selected) through the handling registration interface. Means for receiving handling information, processing the joint business request information—processing the subscription to the financial product that has requested the subscription—and setting the joint business status to a third state; Sales Service Operation System.

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