KR100367961B1 - Deposit managing system utilizing Internet and the method of the same - Google Patents

Abstract

The present invention provides an internet business method for purchasing a middle-aged deposit trust, comprising: a first step in which an applicant for deposit trust selling accesses a server of a business operator and registers personal information and a deposit trust specification; A second step of establishing a database of personal details of the applicant and deposit trust details; A third step in which a business operator selects a purchase transaction according to the order of transaction profits; A fourth step of signing a deposit trust transfer agreement and submitting it to a financial institution; A fifth step of receiving a deposit trust certificate in a business name from a financial institution; And a sixth step of paying the purchase price to the applicant for the sale of the deposit trust.

According to the present invention, even if the depositor who subscribes to the deposit trust institution is terminated before the expiration date of the deposit, the depositor can sell the deposit at a higher amount than the deposit trust institution's middle termination interest rate. Can increase yields in a short period of time, increasing the efficiency of funds.

Description

Deposit management system utilizing Internet and its method {Deposit managing system utilizing Internet and the method of the same}

The present invention relates to an internet business method using a medium termination of deposits, and more particularly, in the case of the termination of a periodic deposit, RP, a cover note, or a trust in government bonds, the depositor receives an interest or dividend at an interest rate / return rate lower than the contract rate. On the other hand, deposits / trust institutions, such as banks, realize higher profits than the expiration date by paying interest at the termination rate of interest. The present invention relates to a business method in the form of a transaction that receives an application for purchase of deposits, trusts, etc., and purchases it as funds or trust funds of businesses using this model.

With the exception of some savings, such as free savings at very low interest rates, most financial instruments consist of depositing a certain amount of money in a bank for a certain period of time, or depositing a certain amount each month and paying the interest rate or rate of return to the depositor. have. As such, for funds that are not guaranteed to be deposited in a bank for a period of time, the bank cannot reliably use the funds and therefore cannot raise a high rate of return and therefore cannot pay a high interest rate or rate of return to the depositor. However, from the point of view of depositors, even if they join a financial instrument that is held for a certain period of time in order to obtain a high interest rate or a high rate of return, it is often necessary to terminate it as necessary. As interest is paid by the bank, many losses are incurred by the depositors, and deposits and trust institutions such as banks are making higher profits than when they expire.

The present invention has been made in order to solve the above problems, the depositor who wants to terminate the deposit, etc., when you connect to the web server of the operator and apply for a sale, the termination rate interest rate or dividend rate paid by the deposit trust institutions and maturity By trading at an appropriate price between the city's interest rate or dividend rate, the depositor provides a safe and convenient internet business method that enables the operator to achieve high profits in a short time without any significant loss even if the depositor terminates the deposit in the middle. The purpose is to.

Figure 1 is a general network configuration for implementing a system and a method of purchasing a termination deposit trust using the Internet according to the present invention.

Figure 2 is a flow chart for implementing a method of acquiring a cleared deposit trust using the Internet according to the present invention.

Figure 3 is a flow chart showing an example for implementing a method for purchasing a termination cancellation trust using the Internet according to the present invention.

Figure 4 is a flow chart showing another example for implementing a method of acquiring a cleared deposit trust using the Internet according to the present invention.

Figure 5 is a block diagram of a system for implementing a method for purchasing a termination cancellation trust using the Internet according to the present invention.

According to an aspect of the present invention, there is provided an internet business method for purchasing a canceled deposit, comprising: a first step in which an applicant for deposit sale accesses a server of an operator to register personal information and deposit details; A second step of establishing a database of personal details of the applicant and deposit details; A third step in which a business operator selects a purchase transaction according to the order of transaction profits; A fourth step of signing a deposit transfer contract and submitting it to a financial institution; A fifth step of receiving a deposit certificate in a business name from a financial institution; And a sixth step of paying the purchase price to the applicant for selling the deposit.

The use of the present invention includes all financial instruments in which deposits or periodic deposits of deposits or trust institutions, RPs, cover notes, trusts, and government bonds are deposited in deposits or trust institutions for a certain period of time, collectively referred to as deposit trusts.

Hereinafter, the present invention will be described in more detail with reference to the drawings.

1 and 2 is a network diagram and a flow chart for implementing a system and a method of acquiring a cleared deposit trust according to the present invention.

As shown in Figures 1 and 2, the selling applicants 101, 102, 103 of the present invention is connected to the bank's web server 300 by a web browser through the Internet network 200.

A first step in which the selling applicant registers personal information and deposit details when a connection is made; A second step of establishing a database of personal details of the applicant and deposit details; A third step in which a business operator selects a purchase transaction according to the order of transaction profits; A fourth step of signing a deposit transfer contract and submitting it to a financial institution; A fifth step of receiving a deposit certificate in a business name from a financial institution; And a sixth step of paying the purchase price to the applicant for selling the deposit.

This will be described in more detail.

<Applicant for Sale registers personal information and deposit details (10)>

First, the applicant who wants to sell the deposit, etc., enters the personal information by connecting to the operator's web server through the Internet. Personal information shall include the name of the applicant, the social security number, address, telephone number, e-mail address, customer classification of the individual, corporation, etc.

Once the registration of the personal details is completed, register the specification of the deposit trust to be sold. The details of the deposit trust to be sold include the owner's name, account number, deposit amount, date of joining, maturity date, deposit interest rate, the amount to be sold, the name of the deposit trust institution and branch name of the deposit.

In this step, the web server of the operator may provide a computer program using the automatic termination interest rate for each bank to automatically calculate the desired amount of the deposit sale, or the applicant may directly calculate and enter the desired selling amount. If the selling applicant does not enter the desired selling amount, the undertaking may negotiate with the prospective seller in person.

If necessary, in order to confirm whether the applicant intends to sell the deposit, etc., if the applicant has an electronic certificate issued by an accredited certification body (including a private certification body), the applicant should submit it and It can be issued on line or off-line. In addition, when submitting an electronic certificate, the applicant's personal information may be omitted and the applicant's personal information included in the content of the electronic certificate may be used.

Establishment of database of personal information and deposit details of sellers (20)

A database is established to facilitate the retrieval of the personal information entered by the seller of the applicant and the details of deposits to be sold. Build a database for various extraction.

<The operator selects a purchase transaction based on the order of transaction revenue (30)>

The transaction revenue of the application is calculated to extract the data in the order of the highest transaction profit, and the final price is determined by contacting the selling applicant according to the personal information stored in the database. At this time, it is also desirable to discuss the timing, place and payment method of the deposit trust transfer contract.

The deposit trust transfer agreement shall be prepared in a conventional form, signed by the seller and the subscriber.

<Sign a deposit transfer agreement and submit it to a financial institution (40)>

The business owner or the applicant for selling the deposit and the business operator shall jointly submit the certificate of deposit trust of the applicant for deposit transfer and the deposit trust acknowledgment to the deposit trust institution for approval of the transfer.

<Receipt of certificate of deposit in the name of business operator from financial institution (50)>

By submitting a deposit trust acknowledgment to a deposit trust institution, a certificate of new deposit trust, etc. in the name of the business operator can be issued. After that, the date of deposit confirmation shall be retained in the deposit transfer acceptance confirmation confirmed by the deposit trust institution. At this time, the applicant for selling the deposit must be the owner of the depository, and the financial operator may carry out this procedure as the agent's branch or a third party as an agent.

After that, the operator inputs the details of the certificate issued by the operator's branch or agent, establishes a database, manages the investment funds, and establishes a management system that can be presented to the branch of the paper exchange or deposit trust institution at the due date of the deposit.

<Payment to purchase applicant (60)>

Payment for deposit purchases is made either directly or by the agent in cash or cashier's check issued by the agent after the deposit information such as the amount of the new deposit certificate, the expiration date, etc. is entered into the operator's database or confirmation of the completion of the agent's processing. Or, enter into an account in the name of the applicant for selling such as a deposit trust held by another deposit trust institution.

If the applicant for the sale records the retention of an electronic certificate issued by an accredited certification body, etc., at the stage of registering personal information and deposit details, the purchase price shall be paid in the same manner as described above before the conclusion of the deposit trust transfer agreement. There is no problem in stability even if the payment is made in the following order, and then the deposit transfer contract is submitted to the financial institution, and the deposit certificate in the name of the business operator is received from the financial institution.

Finally, the operator shall remit the funds by referring to the exchange of notes before the expiration date, or by presenting a certificate such as a deposit trust at the branch of the deposit trust institution, according to the maturity table extracted from the database.

3 is a flow chart showing a specific example for implementing a method of purchasing a canceled deposit trust using the Internet according to the present invention, the first step (301) of the deposit applicant to connect to the operator's server; A second step (302) of completing the membership registration on the login screen of the deposit applicant requesting membership registration; A third step (303) of registering a deposit trust to be sold by the deposit applicant, and a fourth step (304) by which the business operator issues a receipt to the seller of the deposit; A fifth step (305) of constructing a database of personal information of the deposit sale applicant and the application for sale of the deposit trust; A sixth step 306 of selecting a purchase transaction of the deposit trust by calculating a transaction profit; A seventh step 307 of preparing a deposit trust transfer agreement; An eighth step (308) of submitting an application for acceptance of deposit transfer to the depository trustee, accepting the transfer, and issuing a new depository trust certificate; A ninth step (309) of issuing a deposit trust certificate in the name of the operator; A tenth step 310 of paying the purchase price such as a deposit trust; And an eleventh step 311 in which the operator recovers investment funds such as a deposit trust.

Figure 4 is a flow chart showing another example for implementing a method of purchasing a termination cancellation trust using the Internet according to the present invention, a deposit trust seller applicant holds a certificate issued by an authorized certification authority. A first step 401 in which an applicant for selling a deposit connects to a server of an operator; A second step 402 of completing the membership registration on the login screen of the deposit applicant requesting membership registration; A third step (403) of registering a deposit trust to be sold by the deposit applicant, and a fourth step (404) by which the deposit applicant enters and submits the retention of a certificate issued by an authorized certification authority; A fifth step (405) in which the operator issues a receipt to the seller of the selling; A sixth step (406) of establishing a database of personal information of the deposit sale applicant and the application for sale of the deposit trust; A seventh step (407) of calculating a transaction profit and selecting a purchase transaction of a deposit trust; An eighth step 408 of paying the purchase price of the deposit trust; A ninth step 409 of preparing a deposit trust transfer agreement; A tenth step 410 of submitting an application for acceptance of deposit transfer to the depository authority to receive the transfer and issue a new deposit trust certificate; An eleventh step 411 of issuing a deposit trust certificate in a business name; And a twelfth step 412 in which the operator recovers investment funds such as a deposit trust.

5 is a block diagram illustrating an example of a specific system for implementing the present invention.

In the present invention, there will be provided a request applicant computer 501, 502, 503 with a built-in web browser for accessing the system, and a user having a web page for inputting personal information and the specification of the selling deposit trust when the seller applies. An input web server 504 is provided. And a database 505 that stores the details of the applicant's personal information and deposit trust and extracts data in various ways according to business needs, and a server for managing investment funds and managing the progress and termination of business processing ( 506) and an internet network 510 provided to interconnect the selling applicant computer 501, 502, 503, an input server 504, a database 505, and a business web server 506. .

Although the present invention has been described by way of example, one of ordinary skill in the art to which the present invention belongs is not limited to this embodiment of the present invention, and many modifications and changes may be made without departing from the spirit of the present invention. .

The effect of the present invention can be seen from the perspective of depositors who have registered deposits with deposit trust institutions, even if the deposit is terminated before the expiration date of deposit. It is possible to buy the deposits through a variety of confirmation procedures to the company to buy the deposits directly, so that you can trade with confidence. According to the invention of the present invention, any deposit held by the account holder can be sold to the operator at any time, so that the financial instrument of the deposit trust institution can be freely selected.

In terms of operators, it is possible to raise high yields in a short period of time, thereby increasing the efficiency of funds and securing stable investment targets for investing in deposit trusts of deposit trust institutions, thus enabling high interest payments to customers who invest in operators. .

In terms of customers who have invested or deposited in the operator, the investor's investment or deposit can be invested in a deposit of a stable deposit trust institution, which can eliminate the possibility of principal's inability to recover the principal and expect a stable and high interest rate. .

Claims (8)

In the method of operating the termination deposit trust using a system having a plurality of applicant computer terminals, a user web server, a database connected to the user web server and an internet network interconnecting them, (a) The plurality of seller's computer terminals access the web server of the seller and include personal information including the seller's name and resident registration number, including account number, deposit amount, membership date, maturity date, deposit interest rate and the desired amount of sale. Transmitting termination deposit trust specification information; (b) the user web server, receiving the personal information and the deposit trust information and constructing a DB for easy retrieval and storing in the database; And (c) In order to purchase a terminated deposit trust at an amount higher than the terminated interest rate and below the interest rate at maturity, the user web server selects a terminated deposit trust to purchase in accordance with the transaction revenue of the terminated deposit trusts stored in the database. Method of canceling the deposit trust characterized in that it comprises a step. The method of claim 1, further comprising the step (a) of transmitting, in the step (a), information on whether or not to hold the certificate of termination cancellation trust electronic certificate issued by an accredited certification authority. Method of canceling the deposit trust characterized in that it further comprises. The method of claim 1, wherein after the step (a), the user web server further comprises the step of transmitting an online receipt including a receipt number to the selling applicant computer terminal. Way. delete delete Multiple applicant computer terminals; Receive personal information information including the name and resident registration number of the seller, and account number, including the account number, deposit amount, membership date, maturity date, deposit interest rate and the desired amount of the sale amount from the seller's computer terminals; A user web server constructing a DB to facilitate retrieval of the information; A database which is connected to the user web server and stores the sorted personal information and the canceled deposit trust specification information; And An internet network interconnecting the computer terminals, the user web server and the database; The user web server selects a neutralized deposit trust to purchase according to the transaction profits of the neutralized deposit trusts stored in the database, in order to purchase the neutralized deposit trust higher than the neutralized interest rate and lower than the interest rate at maturity. Closed Deposit Trust Management System. Multiple applicant computer terminals; Receiving personal information information including the name and resident registration number of the seller and the number of termination cancellation trust specification information including account number, deposit amount, membership, maturity date and deposit rate from the plurality of seller applicant computer terminals, automatic A user web server that automatically calculates a desired amount of money for sale through a computer program using a termination interest rate, and establishes a DB for easily searching for the personal information, the trust information, and the desired amount of money for sale of a deposit; A database which is connected to the user web server and stores the sorted personal information and the canceled deposit trust specification information; And An internet network interconnecting the computer terminals, the user web server and the database; The user web server selects a neutralized deposit trust to purchase according to the transaction profits of the neutralized deposit trusts stored in the database, in order to purchase the neutralized deposit trust higher than the neutralized interest rate and lower than the interest rate at maturity. Closed Deposit Trust Management System. In the method of operating the termination deposit trust using a system having a plurality of applicant computer terminals, a user web server, a database connected to the user web server and an internet network interconnecting them, (a) The plurality of seller's computer terminals access the web server of the seller, and the interim termination deposit trust including the personal information including the name and resident registration number of the seller and account number, deposit amount, membership date, maturity date and deposit interest rate. Transmitting specification information; (b) automatically receiving the personal information information and the deposit trust information and automatically calculating a desired amount of deposit sale through a computer program using an automatic termination interest rate for each bank; (c) the user web server constructing a DB to facilitate retrieval of the personal information, the deposit trust information, and the desired amount of money for sale in the database; And (d) selecting, by the user web server, a neutralized deposit trust to be purchased in accordance with the transaction revenue of the neutralized deposit trusts stored in the database in order to purchase a neutralized deposit trust higher than the neutralized interest rate and lower than the interest rate at maturity; Method of canceling the deposit trust, characterized in that it comprises a.