KR100821851B1 - System and method for issuing and managing bank book, server for managing bank book - Google Patents

Abstract

A system and a method for issuing/managing a bankbook, and a server for the same are provided to make a customer feel benefits of points directly and offer the customer investment profit generated from the points by issuing a point bankbook to the customer subscribing for a financial product and providing/depositing an amount corresponding to the accumulated points to the subscribed financial product. A bankbook issuance determiner determines to issue a point bankbook to a customer by checking whether the customer subscribes for financial products of a bank. An information storing part(120) links/stores point bankbook information and financial product information of the customer to a storage medium when the point bankbook is issued to the customer. A bankbook manager collects points from respective point providers and deposits the collected points to the point bankbook periodically. The bankbook manager checks the financial product information linked with the point bankbook from the storage medium when the customer withdraws cash from the point bankbook, and approves a withdrawal request by determining whether the withdrawn cash is deposited to the financial product.

Description

Bank account issuing and management method and system, and a bank account management server for the same {System and Method for Issuing and Managing Bank Book, Server for Managing Bank Book}

1 is a diagram illustrating a point account issuing system for issuing and managing the deposit and withdrawal of a point account according to an embodiment of the present invention.

2 is a diagram illustrating a point account issuing process for issuing and depositing and withdrawing and managing point accounts according to one embodiment of the present invention.

3 is a diagram illustrating a point bank account issuing system for issuing and managing the deposit and withdrawal of a bank account according to another embodiment of the present invention.

4 is a diagram illustrating a point bank account issuing process for issuing and depositing and withdrawing and managing point bank accounts according to another embodiment of the present invention.

5 is a diagram illustrating the structure of ledger information for issuing and managing the deposit and withdrawal of a point account according to an embodiment of the present invention.

6 is a diagram showing a configuration of points earning system for investment in financial products according to an embodiment of the present invention.

7 is a view showing a method for earning points for investment in financial products according to an embodiment of the present invention.

8 is a view showing a point bank operating system for managing the deposit and withdrawal of the point bank according to an embodiment of the present invention.

9 is a view showing a point bank operating method for managing the deposit and withdrawal of the point bank according to an embodiment of the present invention.

10 is a view showing a point bank operating method for deposit and withdrawal management of the point bank according to another embodiment of the present invention.

11 is a view showing the configuration of points earning system for investment in financial products according to another embodiment of the present invention.

12 is a view showing a method for earning points for investment in financial products according to another embodiment of the present invention.

13 is a view showing a point bank operating system for managing the deposit and withdrawal of the point bank according to another embodiment of the present invention.

14 is a view showing a point bank operating method for managing the deposit and withdrawal of the point bank according to an embodiment of the present invention.

15 is a view showing a point bank operating method for managing the deposit and withdrawal of the point bank according to another embodiment of the present invention.

<Description of main parts of drawing>

100: bank issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: passbook issuer 135: passbook issuing terminal

According to the present invention, when issuing a specific bank account to the customer, the customer checks whether or not the customer's bank matching sales product subscription, the bank account issuing determination means for determining whether the specific bank account is issued to the customer according to whether or not, and the bank account issuance determination In response to the determination of the means, when a specific bankbook is issued to the customer, information storage means for linking the issued bank account information and bank matching sales product information subscribed to by the customer and storing the information on the predetermined storage medium and the customer When a withdrawal request is issued through a specific bankbook, the bank matching sales product information associated with the specific bankbook is checked in connection with the storage medium (or storage medium operating means), and a deposit target of value withdrawn through the specific bankbook. The request for withdrawal through the specific bankbook is determined by determining whether the bank matching sales product is confirmed. It relates to a bank account issuance and management system that includes a bank account management means for approval or disapproval.

The conventional point operation model includes allowing a given point provider to earn a certain point in response to the economic activity of the customer, provide a discount service through the accumulated point, or use the point as cash. Is done.

However, in the point operation model as described above, most customers have little interest in how much points are provided / established by themselves from which point provider, and are also active in using the provided / established points. Can not do it.

Due to such indifference, the customer does not directly feel the benefits of the points, and the point provider includes a problem in that the amount corresponding to the face value corresponding to the points earned to the customer should be held as potential liabilities. .

An object of the present invention for solving the above problems, when issuing a particular bankbook to the customer in a predetermined bankbook issuance determination means, to check whether the customer has subscribed to the specific financial products, whether to issue the specific bankbook to the customer After determining whether it is possible or not, if a specific bank account is issued to the customer in response to the determination by a predetermined information storage means, the issued bank account information and the specific financial product information subscribed to by the customer are linked to a predetermined storage medium. In the case of withdrawal through a specific bank account issued to the customer, the bank account management means checks the specific financial product information associated with the specific bank account in connection with the storage medium (or storage medium operating means). Determining whether the deposit target of the amount withdrawn through the specific account corresponds to the identified specific financial instrument. And to provide a passbook issuing and managing method and system for approval or disapproval process the withdrawal request by the particular account.

In addition, an object of the present invention is to issue a predetermined point account book for storing points to a customer, and collect a plurality of individual points of the customer by a certain period, such as monthly or quarterly, to the collected points or the points. It is to provide a bank account management server for processing the deposit of the corresponding cash to the issued bank account.

The bank account issuing and managing system according to the present invention, when issuing a specific bank account to the customer, confirms whether the customer's subscription to the bank matching sales product, and issuing a bank account to determine whether the specific bank account issuance to the customer depending on whether or not When a specific bankbook is issued to the customer in response to the determination of the determining unit and the bankbook issuing determining unit, the issued bankbook information and the bank matching sales product information subscribed to by the customer are processed in a predetermined storage medium. When the withdrawal request through the information storage means and the specific bankbook issued to the customer, in conjunction with the storage medium (or storage media operating means), check the bank matching sales product information associated with the specific bankbook, Determining whether the deposit target of the value withdrawn from the market corresponds to the above identified bank matching sales product It characterized in that the withdrawal request by the group consisting of a specific account, including approval or disapproval account management means for processing.

On the other hand, the bank account issuing and management system according to the present invention, when issuing a specific bank account to the customer, and confirms whether the customer to join the specific financial products, and whether or not to issue the specific bank account to the customer according to whether the subscription When a specific bankbook is issued to the customer in response to the determination of the issue determining unit and the bankbook issuing determining unit, the issued bankbook information and the specific financial product information subscribed to by the customer are processed to be stored in a predetermined storage medium. When the information storage means and the withdrawal request through the specific bankbook issued to the customer, in connection with the storage medium (or storage medium operating means), to check the specific financial product information associated with the specific bankbook, and the specific bankbook The specific bankbook by determining whether the deposit target of the value withdrawn through the coin corresponds to the identified specific financial products Through characterized by comprising a bank account management means to process the withdrawal approval or disapproval.

According to the present invention, the bankbook management means, when the specific bankbook is a point bankbook, after collecting a plurality of individual points of the customer from each point providing institutions, the deposit processing to the issued specific bankbook It is done.

In addition, according to the present invention, the bankbook management means, after collecting a plurality of individual points of the customer by a certain period, such as monthly or quarterly, characterized in that the deposit processing to the issued specific bankbook.

Further, according to the present invention, the bankbook management means, when the specific bankbook is a point bankbook, calculates the interest rate for the points (or cash exchanged points) deposited in the specific bankbook, and according to the calculated interest rate When the interest is generated, it is characterized in that the generated interest is deposited in the specific passbook.

Further, according to the present invention, the bankbook management means, when the specific bankbook is a point bankbook, characterized in that the deposit processing after converting the points deposited in the specific bankbook to cash.

In addition, according to the present invention, the bankbook management means, characterized in that to give the (-) bankbook function to the specific bankbook.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the function of the account book issuance and management system configuration means recorded.

On the other hand, the bank account issuance and management method according to the present invention, when issuing a particular bank account to the customer in a predetermined bank account issuance determination means, confirms whether the customer is a specific financial product subscription, and issuing the specific bank account to the customer depending on whether Determining whether it is possible, and when a specific bank account is issued to the customer in response to the determination by a predetermined information storage means, the issued bank account information is linked to the specific financial product information subscribed to by the customer. Storing in a storage medium of the bank account and withdrawing a request through a specific bank account issued to the customer, in connection with the storage medium (or storage medium operating means) in a predetermined bankbook management means, a specific financial product associated with the specific bank account Check the information, and the deposit target of the amount withdrawn through the specific account book corresponds to the identified specific financial instrument. Determining whether or not to approve or disapprove the withdrawal request through the specific bankbook.

On the other hand, the bank account management server according to the present invention, the bank account issuing means for issuing a predetermined point account for storing the points to the customer, and the points collected to collect a plurality of individual points of the customer by a certain period such as monthly or quarterly Means and bankbook management means for depositing the collected points or cash corresponding to the points to the issued point bankbook.

According to the present invention, the bankbook management means, when the withdrawal request through the point bankbook issued to the customer, the point bankbook by determining whether the deposit target of the value withdrawal through the point bankbook matches a predetermined financial product Approve or disapprove the withdrawal request.

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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a point account issuing system for issuing and managing the deposit and withdrawal of a point account according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined financial product subscription customer provides a point book issuing application information for issuing and deposit and withdrawal management of the point passbook according to the present invention through a predetermined passbook issuance interface, the bankbook As a configuration of a system for issuing a predetermined pointbook to the financial product subscription customer based on the provided pointbook issuance application information in the issuing system, the present invention belongs to those skilled in the art. By referring to and / or modifying the present invention, it is possible to infer various implementation methods for the configuration of the point bank issuing system for issuing and managing the deposit and withdrawal of the bank account, but the present invention includes all the methods of inferring the above. It is not limited only to the implementation method shown.

Hereinafter, a predetermined point bank account issuance is issued to the financial product subscription customer based on the point bank account issuance information provided from the financial product subscription customer through the predetermined point bank account issuance interface on the point bank issuance system shown in FIG. Components corresponding to at least one or more means and / or functional configurations are referred to as " bankbook issuing server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a point bank issuing system for issuing and managing deposit and withdrawal according to the present invention comprises an employee terminal used by a teller provided with at least one financial institution. Characterized in that, the employee terminal is connected to the communication channel and the bankbook issuing server 100 provided on the bankbook issuing system through a predetermined network means.

According to an embodiment of the present invention, the customer visits the financial institution for issuing and managing the deposit and withdrawal according to the present invention and through the counter provided to the financial institution (or through the clerk) the point bank account Prepare a point bank account issuance application (e.g., a document with a form for filling in at least one information item for issuing and depositing a bank account) and / or the counter staff Visit the customer and ask the customer to fill out a predetermined point bank account issuance application for issuing and managing the deposit and withdrawal of the point bank account; Input (or select) the information filled in the pointbook issuance application through the terminal And, the staff terminal is preferably sent to the bank book issuing server 100 is provided on the passbook issuing system through the network means to the information, the input (or selected).

Here, the employee terminal preferably comprises an employee terminal used by the teller staff provided in the financial institution, the bankbook issuance server 100 is connected to the employee terminal ledger server provided on the predetermined financial system Preferably, the network means for connecting the employee terminal and the bankbook issuance server 100 comprises a financial network (for example, the bank) connecting the communication channel between the employee terminal and the bankbook issuance server 100; It is preferable to comprise.

In the point bank account issuing system as described above, the point bank issuance application prepared by the customer, the employee network used by the teller and the financial network connecting the employee terminal and the bankbook issuance server 100 is viewed by the customer. It performs the function of point passbook issuing interface for registering point passbook issuance application information for issuing and managing deposit and withdrawal of pointbook according to the invention.

Financial institutions that issue point accounts to the customer have a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial product subscription customers. It features.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial product subscription customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that through the financial terminal, provides a non-face-to-face financial transaction service for at least one or more financial product subscription customers through the financial terminal.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Non-face-to-face financial transaction services to at least one financial product subscription customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) And / or at least one financial product via at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network). It provides IC chip-based non-face-to-face financial transaction service to subscribing customers.

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial product subscriber.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial product subscription customer through a terrestrial DMB terminal).

Referring to FIG. 1, the financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial product subscription customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to the financial system And / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is configured in the financial system. An interface module corresponding to a middleware platform providing inter-element interfacing, and predetermined information (e.g., ledger information, and / or customer information, and the like) required for each function in a component in the financial system; and And / or DBMS (DataBase Management System) including at least one database for storing and managing information).

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

According to the present invention, the DBMS provided in the financial system, the financial institution to open at least one financial account to at least one or more financial product subscription customers, to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system for storing at least one ledger for the at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial product subscription customer by the financial institution. At least one or more ledger information (eg, customer ledger, receiving ledger, collateral ledger, etc.) for processing, and at least one or more corresponding to each ledger information (eg, to further refine and / or supplement the attributes / functions of each ledger) The ledger additional information is stored in association with each other. do.

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

The bankbook issuing server 100 provided on the bankbook issuing system according to the present invention is a generic name of the bankbook issuing system side components connected to the bankbook issuing terminal 135 and a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined point bankbook issuing interface to the bankbook issuing terminal 135 through the network means. do.

According to an embodiment of the present invention, when the bankbook issuing terminal 135 is an employee terminal connected to a predetermined financial network, the interface unit 105 may be connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a point bank account issuance application program provided in the employee terminal.

Referring to FIG. 1, the bankbook issuing server 100 is interlocked with the interface unit 105 when a predetermined bankbook issuing terminal 135 is connected to the bankbook issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined point bankbook issuing application information from the bankbook issuing terminal 135 and transmitting it to the bankbook issuing terminal 135. 110 and the information receiving unit 115 for receiving a predetermined point passbook issuance application information transmitted from the passbook issuing terminal 135 through the user interface in input (or selection) in conjunction with the interface unit 105; And a customer confirmation unit for confirming whether the customer is a financial product subscription customer of a financial institution that issues the bankbook, based on the customer information included in the received point bankbook issuance application information. And, if the customer is a financial product customer, the information generation unit 125 for generating a predetermined point passbook information corresponding to the point passbook to be issued to the customer based on the received point passbook issuance application information, and A bankbook issuing unit 130 for issuing a predetermined pointbook including the pointbook information through the bankbook issuing device, and the pointbook ledger information corresponding to the pointbook issued to the customer is ledger D / B on the financial system. Characterized in that the information storage unit 120 to be stored in the.

The interface providing unit 110 corresponds to a functional configuration provided in the bankbook issuing terminal 135 when a predetermined bankbook issuing terminal 135 is connected to the bankbook issuing server 100 through the interface unit 105. Generate (or select) the point bank account issuing application information to generate a predetermined user interface which can be transmitted to the bank account issuing server 100 through the network means, and / or is extracted from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 105 may be provided to the bankbook issuing terminal 135 through the network means.

Thereafter, the bank account issuing terminal 135 inputs (or selects) the point bank account issuing application information based on the user interface, and inputs the input (or selected) point bank account issuing information through the network means. Send to the issuing server 100.

According to an embodiment of the present invention, when the bankbook issuing terminal 135 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a point bankbook issuing application program provided in the employee terminal. It is preferable to generate (or extract) a predetermined user interface, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) predetermined point bank account issuing application information through the user interface from the bank issuing terminal 135 and transmits it through the network means, the interface unit 105 interworks with the interface unit 105. The point bank account issuing application information is received, and the received point bank account issuing information is provided to the information generating unit 125.

According to the method of the present invention, the point bank account issuing application information is preferably made up of at least one or more customer information receiving the point bank account and financial account information (or point account information) to be associated with the point bank account; Preferably, among the financial products subscribed to the customer, the point value deposited in the financial account (or point account) associated with the point account includes information on at least one point deposit target financial product to be deposited.

If the point account issuance information is omitted from the point bank issuance application information, at least one or more point deposit target financial products that will be deposited the point value deposited in the financial account (or point account) associated with the point account The financial institution issuing the point bank account can be selected automatically, whereby the present invention is not limited.

Here, the financial account information (or point account information) to be associated with the point bank account includes an account number corresponding to a financial account (or point account) previously opened in the ledger D / B on the financial system in the name of the customer. Preferably, if the financial account (or point account) of the customer's name is not opened in the financial system, opening an account requesting the financial system to open a new financial account (or point account) of the customer's name. Preferably, the request information is further included.

According to the present invention, the financial account (or point account) associated with the point account is at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution) the financial product. It is characterized in that it comprises an account for depositing the point value (for example, the earned points, or the amount converted from the earned points) to accumulate to the subscription customer.

According to one embodiment of the present invention, each point that is credited to the financial product subscription customer at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution), After converting to a predetermined amount, the converted amount is withdrawn from the point providing institution mother account (e.g., the financial account in the name of the point providing institution provided in the financial system), and the financial account (or point account) associated with the point account. The amount deposited in the financial account (or point account) associated with the point account is then withdrawn periodically (or by customer request) to be deposited into at least one point deposit target financial product. desirable.

According to another exemplary embodiment of the present invention, each point that is credited to the financial product subscription customer in at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution) is It is preferable that the financial account (or point account) is converted into points that can be deposited into a financial account (or point account) associated with the point account, and is then deposited into the financial account (or point account). Points deposited in the account) are converted to the amount corresponding to each point periodically (or by customer request), and the converted amount is converted into the respective point providing institution mother account (eg, the name of the point providing institution provided in the financial system). Withdrawn from a financial account) and into at least one or more points It is preferred.

According to the embodiment of the present invention, the information receiving unit 115 preferably further includes a function of checking the validity of the received point passbook issuance application information.

Here, the point bank account issuance validity check is to check whether the customer information included in the point bank account issuance application information is a valid customer, and the financial account information (or point account information) included in the point bank account issuance application information is the financial It is preferable to include at least one or more to check whether the ledger D / B on the system is already provided.

If the ledger D / B on the financial system does not have a financial account (or point account) to be associated with the point account, the bankbook issuance server 100 may be a new financial account (or Point account) to further establish the procedure, by which the present invention is not limited.

The customer confirmation unit confirms the customer information included in the point bank account issuance application information received through the information receiving unit 115 and a predetermined customer ledger for the customer provided in the ledger D / B provided in the financial system And checking at least one ledger (for example, a reception ledger, an account ledger, an investment ledger, etc.) associated with the customer ledger to confirm whether the customer is a subscription customer of at least one financial product operated by the financial institution. It is done.

According to an embodiment of the present invention, at least one financial product-related ledger (eg, a ledger corresponding to at least one financial product operated by the financial institution) included in the ledger D / B provided in the financial system is the customer. In the case where it is linked with a predetermined customer ledger for, the customer corresponding to the customer information included in the point bank account issuing application information is preferably identified as at least one financial product subscription customer operated by the financial institution.

If the customer is confirmed as at least one financial product subscription customer operated by the financial institution based on the point bank account issuing information received through the information receiving unit 115, the information generation unit 125 to the customer To generate a predetermined point passbook information to be provided in the point passbook to issue a predetermined point passbook corresponding to the point passbook issuing application information, the point passbook information is a customer name, resident registration number (or customer / In case of corporation, bankbook basic information including company registration number, etc.), deposit type, new date, issue date and bankbook number, and bankbook entry information including at least one transaction date, contents, withdrawal amount, deposit amount, balance, and store name And the point value deposited in the point account (eg, earned points, or converted from earned points). It comprises at least one depositing point target instrument information to withdraw the solution) to at least one depositing process is preferred.

Here, the transaction date and time included in the passbook entry information is preferably made by a predetermined point providing institution to the predetermined points to the customer, or includes the date and time using the points, the content is earned points / It is preferable to include transaction details such as usage, wherein the withdrawal amount includes the point value accumulated to the customer, and the deposit amount is the point value used among the point value accumulated to the customer (eg, invested in financial products). Value), and the balance includes the total value of points accumulated to the customer, and the trading point name is credited to the customer and / or the name of the point providing institution that has earned the predetermined point value to the customer. At least one financial product name for which points have been used It is made by also being preferred.

When the predetermined point passbook information provided in the point passbook is generated by the information generating unit 125, the passbook issuer 130 produces a point passbook including the point passbook information through a predetermined passbook issuer. (Or having the point passbook information in the point passbook), wherein the point passbook is provided (or delivered) to the customer.

If the point passbook is a paper passbook, the passbook issuance device includes a device for printing the point passbook information on at least one form provided in the point passbook, wherein the information generation unit 125 at least Point book information is generated by a data structure printable on at least one paper book form, and the book issuer 130 prints the point book information on at least one form through the book issuing device, thereby printing the predetermined point book. Issue it.

Alternatively, if the point passbook is an IC (Integrated Circuit) card, the passbook issuing device includes a device for recording the point passbook information in a memory provided in the IC chip of the point passbook, wherein the information generation unit The 125 generates the point book information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the passbook issuer 130 sends the point book information through the passbook issuing device. By writing to the memory of the IC chip, a predetermined point bankbook is issued.

The pointbook produced as described above is provided to the customer and / or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer uses the pointbook through the bankbook issuing system according to the present invention. do.

Thereafter, the information storage unit 120 is the point bank account on the ledger D / B on the financial system based on the point bank account issuance application information and the point bank account information received from the customer through the information receiving unit 115 And storing the point bank account information in the form of additional information of an account ledger (or a receiving ledger) corresponding to a financial account (or a point account) associated with the bank account.

Here, the point bank account information in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account (or point account) associated with the point bank on the ledger D / B of the financial system of the point account information It is preferred to include at least one information item to be stored.

According to the method of the present invention, the financial account (or point account) associated with the point bank account is deposited by the customer in addition to the point value (or the amount corresponding to the point value) that the point provider provides to the customer. Amounts and / or amounts transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution) may be deposited, in which case a financial account (or points associated with the point account) The amount deposited in the customer, and / or the amount transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution), may be freely deposited or withdrawn. The point value (or the amount corresponding to the point value) accumulated by the point provider to the customer is free to enter and exit. It is said to be desirable that the locking mechanism can be disabled, whereby the value by point (corresponding to the point value or amount) is preferably set to a depositing process in the instrument a customer has signed up.

According to the method of the present invention, it is preferable that the financial account (or point account) associated with the point account includes a negative account function, whereby the point account (or financial account associated with the point account) (or Withdraw the amount corresponding to the point value accumulated (or deposited) into a predetermined financial product, and deposit the amount into a predetermined financial product, the point account (or financial account (or point account) associated with the point account) If the point value (or the amount corresponding to the point value) deposited in the bank is less than the minimum deposit amount of the financial instrument, the point bank account (or the financial account (or point account) associated with the point bank account) is converted to a negative bank account. Automatically converting and withdrawing the minimum deposit amount of the financial instrument and depositing it into the financial instrument It is possible.

2 is a diagram illustrating a point account issuing process for issuing and managing the deposit and withdrawal of a point bank according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that the bank account issuing server 100 is provided by a predetermined customer through a predetermined point bank account issuing interface (eg, a point bank account issuance application and staff terminal and network means) in the point bank account issuing system shown in FIG. When the predetermined point passbook issuance application information is transmitted to the passbook issuance server 100, the process for issuing a predetermined point passbook on the basis of the point passbook issuance information at the passbook issuance server 100, Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 2 to infer various implementation methods for issuing the point account for issuing and managing the deposit and withdrawal of points. The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, Figure 2 illustrates the point bank account after making (or delivering) to the customer, and the predetermined point bank account information stored in the ledger D / B on the financial system, but will be described by those skilled in the art The process of storing the predetermined point bank account information in the ledger D / B on the financial system according to the present invention may be performed before the point bank account is produced or before the point bank account is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 2, the bankbook issuing terminal 135 shown in FIG. 1 is referred to as a "terminal" for convenience, and the bankbook issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 2, the customer who wants to issue the point bank account for issuing and managing the deposit and withdrawal of the point bank account has a predetermined point bank account issuing application information including predetermined point bank account issuing application information through a predetermined point bank account issuing interface. After writing, through the predetermined point passbook issue interface provides the point passbook issuance application information to the server (200).

Here, the point bank account issuing interface preferably comprises a point bank account issuance application written by the customer, an employee terminal used by the staff of the financial institution, and network means for connecting the employee terminal and the server.

The point bank account issuing information provided to the server through the point bank account issuing interface may include at least one of customer information receiving the point bank account and financial account information (or point account information) to be associated with the point bank account. It is preferable to include, and comprises at least one or more points deposit target financial product information to be processed to deposit the point value deposited in the financial account (or point account) associated with the point account among the financial products subscribed to the customer. It is preferable.

If the point account issuance information is omitted from the point bank issuance application information, at least one or more point deposit target financial products that will be deposited the point value deposited in the financial account (or point account) associated with the point account The financial institution issuing the point bank account can be selected automatically, whereby the present invention is not limited.

Here, the financial account information (or point account information) to be associated with the point bank account includes an account number corresponding to a financial account (or point account) previously opened in the ledger D / B on the financial system in the name of the customer. Preferably, if the financial account (or point account) of the customer's name is not opened in the financial system, opening an account requesting the financial system to open a new financial account (or point account) of the customer's name. Preferably, the request information is further included.

According to the present invention, the financial account (or point account) associated with the point account is at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution) the financial product. It is characterized in that it comprises an account for depositing the point value (for example, the earned points, or the amount converted from the earned points) to accumulate to the subscription customer.

According to one embodiment of the present invention, each point that is credited to the financial product subscription customer at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution), After converting to a predetermined amount, the converted amount is withdrawn from the point providing institution mother account (e.g., the financial account in the name of the point providing institution provided in the financial system), and the financial account (or point account) associated with the point account. The amount deposited in the financial account (or point account) associated with the point account is then withdrawn periodically (or by customer request) to be deposited into at least one point deposit target financial product. desirable.

According to another exemplary embodiment of the present invention, each point that is credited to the financial product subscription customer in at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution) is It is preferable that the financial account (or point account) is converted into points that can be deposited into a financial account (or point account) associated with the point account, and is then deposited into the financial account (or point account). Points deposited in the account) are converted to the amount corresponding to each point periodically (or by customer request), and the converted amount is converted into the respective point providing institution mother account (eg, the name of the point providing institution provided in the financial system). Withdrawn from a financial account) and into at least one or more points It is preferred.

When predetermined point bank account issuing information is received through the point bank account issuing interface, the server reads the received point bank account issuing application information, thereby confirming whether the point bank account can be issued to the customer (205). ).

Here, the point bank account issuance validity check is to check whether the customer information included in the point bank account issuance application information is a valid customer, and the financial account information (or point account information) included in the point bank account issuance application information is the financial It is preferable to include at least one or more to check whether the ledger D / B on the system is already provided.

According to an embodiment of the present invention, when a ledger D / B on the financial system does not have a financial account (or point account) to be associated with the point account, the server may be connected to the new bank account ( Or a point account) can be further opened, whereby the present invention is not limited.

If the validity for issuing the point bank account to the customer is not authenticated through the point bank account issuing application information (210), the server provides the point bank issuing error information to the customer through the point bank account issuing interface. 215, stop issuing the point account to the customer.

If the validity of issuing the point bank account to the customer through the point bank account issuing information is authenticated (210), the server corresponds to a point bank account to be issued to the customer based on the point bank account issuing information. The point passbook information is generated (220).

Here, the bank account information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bank account number, and at least one transaction date, Deposit at least one or more points to withdraw and deposit bankbook entry information including contents, withdrawal amount, balance, and store name, and point value (e.g., earned points or amounts converted from earned points) deposited in the pointbook It is preferable to include at least one or more target financial product information.

In particular, the transaction date and time included in the passbook entry information is preferably made by a predetermined point providing institution to the predetermined points to the customer, or includes the date and time using the points, the content is earned points / It is preferable to include transaction details such as usage, wherein the withdrawal amount includes the point value accumulated to the customer, and the deposit amount is the point value used among the point value accumulated to the customer (eg, invested in financial products). Value), and the balance includes the total value of points accumulated to the customer, and the trading point name is credited to the customer and / or the name of the point providing institution that has earned the predetermined point value to the customer. Contain at least one financial instrument name for which points have been used And it is preferably made.

According to an embodiment of the present invention, if the point passbook is a paper passbook, the generated point passbook information preferably includes a data structure printable on the paperbook form.

According to another embodiment of the present invention, if the point passbook is an IC card (or wireless IC chip), the generated point passbook information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable to make it.

Thereafter, the server prepares a predetermined point account book having the point account information through a predetermined account issuing device and provides (or delivers) the predetermined point account book to the customer (225).

According to an embodiment of the present invention, if the point passbook is a paper passbook, the passbook issuing device preferably comprises an apparatus for printing the point passbook information on a form provided in the point passbook.

According to another embodiment of the present invention, if the pointbook is an IC card (or a wireless IC chip), the passbook issuing device includes an apparatus for recording the pointbook information in a memory provided in the IC chip of the pointbook. It is preferable to make.

Thereafter, the server generates predetermined point book ledger information through the point book issuing application information and the generated point book information provided from the customer through the point book issuing interface (230), and generates the point book ledger information. It is stored in the ledger D / B on the financial system (235).

Here, the point bank account information in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account (or point account) associated with the point bank on the ledger D / B of the financial system of the point account information It is preferred to include at least one information item to be stored.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

According to the method of the present invention, the financial account (or point account) associated with the point bank account is deposited by the customer in addition to the point value (or the amount corresponding to the point value) that the point provider provides to the customer. Amounts and / or amounts transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution) may be deposited, in which case a financial account associated with the point account (or The amount deposited in the customer of the amount deposited in the point account, and / or the amount transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution), may be freely withdrawn. The point value (or the amount corresponding to the point value) accumulated by the point provider to the customer is freely entered. And it is that this lock function can be set to not preferred, it (the amount corresponding to the point or value) by the point value is preferably set to a depositing process in the instrument a customer has signed up.

According to the method of the present invention, it is preferable that the financial account (or point account) associated with the point account includes a negative account function, whereby the point account (or financial account associated with the point account) (or Withdraw the amount corresponding to the point value accumulated (or deposited) into a predetermined financial product, and deposit the amount into a predetermined financial product, the point account (or financial account (or point account) associated with the point account) If the point value (or the amount corresponding to the point value) deposited in the bank is less than the minimum deposit amount of the financial instrument, the point bank account (or the financial account (or point account) associated with the point bank account) is converted to a negative bank account. Automatically converting and withdrawing the minimum deposit amount of the financial instrument and depositing it into the financial instrument It is possible.

3 is a diagram illustrating a point account issuing system for issuing and managing the deposit and withdrawal of points according to another embodiment of the present invention.

In more detail, Figure 3 is a predetermined financial product subscription customer, if the bank account issuing system through the predetermined point bank account issuing interface provides the point bank issuing application information for issuing and depositing and managing the bank account according to the present invention, the bankbook The issuer system is a system configuration for issuing a predetermined point book to the financial product subscription customer based on the provided point book issuance application information, if the person having ordinary knowledge in the technical field to which the present invention belongs, this figure 3 By referring to and / or modified to be able to infer various implementation methods for the configuration of the point account issuance system for issuing and depositing and managing the point account, the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Hereinafter, a predetermined point bank account issuance is issued to the financial product subscription customer based on the point bank account issuance information provided from the financial product subscription customer through the predetermined point bank account issuance interface on the point bank issuance system shown in FIG. Components corresponding to at least one or more means and / or functional configurations are referred to as " bankbook issuing server 300 " for convenience.

Referring to FIG. 3 according to the embodiment of the present invention, the point bank issuing system for issuing and managing the deposit and withdrawal of a point bank according to the present invention, the point bank issuing system supports the application of point book issuing non-face-to-face In this case, the client terminal comprises a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, wherein the client terminal is provided on the bank account issuing system through a predetermined network means 300 and a communication channel are connected.

According to an embodiment of the present invention, when the point bank account issuing system supports a non-face-to-face point bank account issuance application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. A point for issuing and managing deposit and withdrawal of points according to the present invention through at least one user interface connected to the bankbook issuance server 300, and through at least one user interface provided by the bankbook issuance server 300 When inputting (or selecting) the bank account issuing information, it is preferable that the client terminal transmits the bank account issuing server 300 provided on the bank account issuing system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or at least one kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the bankbook issuing server 300, and inputs and / or selects at least one or more information through the user interface to the bankbook issuing server 300 It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the bankbook issuing server 300, etc.) is provided.

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

In the point bank account issuing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired network connecting the client terminal and the bankbook issuance server 300. And / or the wireless network performs a function of a point passbook issuing interface for the customer to register the point passbook issuance application information for issuing and depositing and withdrawing management of the point passbook according to the present invention.

According to another exemplary embodiment of the present invention, when the point bank account issuing system supports a non-face-to-face point bank account issuing application, the bankbook issuing terminal 335 may have a predetermined financial network (eg, financial) in addition to the client terminal. A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a common network, and / or a predetermined public telephone network It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), a Voice over IP (VoIP) network, and / or a wireless telephone network such as a mobile communication network or a wireless VoIP network. And a terminal (and / or server) provided in at least one or more institutions affiliated with the financial institution, and / or a predetermined communication terminal (not shown) connected to the ( It may further include a Default), and to which the present invention is not limited.

In the case of supporting the non-face-to-point point bank account issuance application, when the bankbook issuing terminal 335 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (Not shown) and the financial network connecting the bankbook issuing server 300 has a function of the point bank account issuing interface for registering the point bank account issuance application information for the customer to issue and deposit and withdraw money in accordance with the present invention And / or when the bankbook issuing terminal 335 is the call terminal (not shown), connecting the call terminal (not shown) and the call terminal (not shown) to the bankbook issuing server 300. Wired telephone network and / or wireless telephone network is a point communication for the customer to register the point book issuance application information for the issue and deposit and withdrawal management of the point account according to the present invention If the terminal (and / or server) (not shown) provided to perform the function of the issuing interface, and / or the institution associated with the financial institution that is the bank account issuing terminal 335 (not shown), the terminal (and / or server) (Not shown) and the network connecting the terminal (and / or server) (not shown) and the bankbook issuance server 300 are issued by the customer for point bank account issuance for issuing and managing deposit and withdrawal of points according to the present invention. Perform the function of the point passbook issuing interface for registering the application information.

Financial institutions that issue point accounts to the customer have a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial product subscription customers. It features.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial product subscription customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that through the financial terminal, provides a non-face-to-face financial transaction service for at least one or more financial product subscription customers through the financial terminal.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Non-face-to-face financial transaction services to at least one financial product subscription customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or subscribe to at least one financial product through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to customers.

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial product subscriber.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial product subscription customer through a terrestrial DMB terminal).

Referring to FIG. 3, the financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial product subscription customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to the financial system And / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is configured in the financial system. An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

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

According to the present invention, the DBMS provided in the financial system, the financial institution to open at least one financial account to at least one or more financial product subscription customers, to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system for storing at least one ledger for the at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial product subscription customer by the financial institution. At least one ledger information for processing (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions) The above ledger additional information is stored in a relational process. do.

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

The bankbook issuing server 300 provided on the bankbook issuing system according to the present invention is a generic term for the bankbook issuing system side components connected to the bankbook issuing terminal 335 and a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the bankbook issuing server 300 is characterized in that it comprises an interface unit 305 for providing a predetermined point bankbook issuing interface to the bankbook issuing terminal 335 through the network means. do.

According to an embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 305 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined point bank account issuing application program provided by the bankbook issuing server 300, the interface unit 305 establishes a communication channel with the client terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 305 uses a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a point bank account issuing application program provided by the bankbook issuing server 300, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in a communication program.

Referring to FIG. 3, the bankbook issuing server 300 is interlocked with the interface unit 305 when a predetermined bankbook issuing terminal 335 is connected to the bankbook issuing server 300 through the interface unit 305. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined point bankbook issuance application information from the bankbook issuing terminal 335 and transmitting it to the bankbook issuing terminal 335. 310 and an information receiving unit 315 for receiving predetermined point bankbook issuing application information transmitted from the bankbook issuing terminal 335 through the user interface in connection with the interface unit 305. And a customer confirmation unit for confirming whether the customer is a financial product subscription customer of a financial institution that issues the bankbook, based on the customer information included in the received point bankbook issuance application information. And, if the customer is a financial product customer, the information generating unit 325 for generating a predetermined point passbook information corresponding to the point passbook to be issued to the customer based on the received point passbook issuance application information, and A bankbook issuing unit 330 for issuing a predetermined pointbook including the pointbook information through the bankbook issuing device, and the pointbook ledger information corresponding to the pointbook issued to the customer is ledger D / B on the financial system. Characterized in that the information storage unit 320 to be stored in the.

The interface providing unit 310 corresponds to a functional configuration provided in the bankbook issuing terminal 335 when a predetermined bankbook issuing terminal 335 is connected to the bankbook issuing server 300 through the interface unit 305. Generate (or select) the point bank account issuing application information to generate a predetermined user interface that can be transmitted to the bank account issuing server 300 through the network means, and / or extract from a predetermined database (not shown). And, in conjunction with the interface unit 305, characterized in that to provide the user interface generated (or extracted) to the bankbook issuing terminal 335 through the network means.

Thereafter, the bank account issuing terminal 335 inputs (or selects) the point bank account issuing information based on the user interface, and inputs the input (or selected) point bank account issuing information through the network means. Send to the issuing server 300.

According to an embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 310 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305 to the client. It is preferable to provide to the terminal.

According to another embodiment of the present invention, when the bankbook issuing terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 310 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

The information receiving unit 315 interoperates with the interface unit 305 when the bankbook issuing terminal 335 inputs (or selects) predetermined point bankbook issuing application information through the user interface and transmits the same through the network means. And receiving the point bank account issuing application information, and provides the received point bank account issuing application information to the information generating unit 325.

According to the method of the present invention, the point bank account issuing application information is preferably made up of at least one or more customer information receiving the point bank account and financial account information (or point account information) to be associated with the point bank account; In addition, among the financial products subscribed to the customer, it is preferable that the point value deposited in the financial account (or point account) associated with the point account includes at least one or more point deposit target financial product information to be deposited.

If the point account issuance information is omitted from the point bank issuance application information, at least one or more point deposit target financial products that will be deposited the point value deposited in the financial account (or point account) associated with the point account The financial institution issuing the point bank account can be selected automatically, whereby the present invention is not limited.

Here, the financial account information (or point account information) to be associated with the point bank account includes an account number corresponding to a financial account (or point account) previously opened in the ledger D / B on the financial system in the name of the customer. Preferably, if the financial account (or point account) of the customer's name is not opened in the financial system, opening an account requesting the financial system to open a new financial account (or point account) of the customer's name. Preferably, the request information is further included.

According to the invention, the financial account (or point account) associated with the point account is at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliated institutions affiliated with the financial institution) the financial product It is characterized in that it comprises an account for depositing the point value (for example, the earned points, or the amount converted from the earned points) to accumulate to the subscription customer.

According to one embodiment of the present invention, each point that is credited to the financial product subscription customer at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution), After converting to a predetermined amount, the converted amount is withdrawn from the point providing institution mother account (e.g., the financial account in the name of the point providing institution provided in the financial system), and the financial account (or point account) associated with the point account. The amount deposited in the financial account (or point account) associated with the point account is then withdrawn periodically (or by customer request) to be deposited into at least one point deposit target financial product. desirable.

According to another exemplary embodiment of the present invention, each point that is credited to the financial product subscription customer in at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution) is It is preferable that the financial account (or point account) is converted into points that can be deposited into a financial account (or point account) associated with the point account, and is then deposited into the financial account (or point account). Points deposited in the account) are converted into the amount corresponding to each point periodically (or by customer request), and the converted amount is converted into the respective point providing institution mother account (for example, the name of the point providing institution provided in the financial system). Withdrawal from a financial account of It is preferable.

According to the implementation method of the present invention, the information receiving unit 315 preferably further comprises a function for checking the validity of the received point passbook issuance application information.

Here, the point bank account issuance validity check is to check whether the customer information included in the point bank account issuance application information is a valid customer, and the financial account information (or point account information) included in the point bank account issuance application information is the financial It is preferable to include at least one or more to check whether the ledger D / B on the system is already provided.

If the ledger D / B on the financial system does not have a financial account (or point account) to be associated with the point account, the bankbook issuance server 300 may be connected to the new account. Point account) to further establish the procedure, by which the present invention is not limited.

The customer confirmation unit checks the customer information included in the point bank account issuance application information received through the information receiving unit 315 and a predetermined customer ledger for the customer provided in the ledger D / B provided in the financial system And checking at least one ledger (for example, a reception ledger, an account ledger, an investment ledger, etc.) associated with the customer ledger to confirm whether the customer is a subscription customer of at least one financial product operated by the financial institution. It is done.

According to an embodiment of the present invention, at least one financial product-related ledger (eg, a ledger corresponding to at least one financial product operated by the financial institution) included in the ledger D / B provided in the financial system is the customer. In the case where it is linked with a predetermined customer ledger for, the customer corresponding to the customer information included in the point bank account issuing application information is preferably identified as at least one financial product subscription customer operated by the financial institution.

The information generation unit 325 is based on the point bank account issuance application information received through the information receiving unit 315, if the customer is confirmed as at least one or more financial product subscription customer operated by the financial institution, to the customer To generate a predetermined point passbook information to be provided in the point passbook to issue a predetermined point passbook corresponding to the point passbook issuing application information, the point passbook information is a customer name, resident registration number (or customer / In the case of a corporation, the bankbook basic information including the company registration number, etc.), the type of deposit, the new date, the issue date and the bankbook number, and the bankbook entry information including at least one transaction date, contents, withdrawal amount, deposit amount, balance, and store name. And the point value deposited in the point account (eg, earned points, or converted from earned points). It comprises a liquid) to withdraw the at least one depositing point target instrument information to at least one depositing process is preferred.

Here, the transaction date and time included in the passbook entry information is preferably made by a predetermined point providing institution to the predetermined points to the customer, or includes the date and time using the points, the content is earned points / It is preferable to include transaction details such as usage, wherein the withdrawal amount includes the point value accumulated to the customer, and the deposit amount is the point value used among the point value accumulated to the customer (eg, invested in financial products). Value), and the balance includes the total value of points accumulated to the customer, and the trading point name is credited to the customer and / or the name of the point providing institution that has earned the predetermined point value to the customer. At least one financial product name for which points have been used It is made by also being preferred.

When the predetermined point passbook information provided in the point passbook is generated by the information generation unit 325, the passbook issuer 330 produces a point passbook including the point passbook information through a predetermined passbook issuer. (Or having the point passbook information in the point passbook), wherein the point passbook is provided (or delivered) to the customer.

If the point passbook is a paper passbook, the passbook issuance device comprises a device for printing the point passbook information on at least one form provided in the point passbook, wherein the information generation unit 325 at least Point book information is generated by a data structure printable on at least one paper book form, and the book issuer 330 prints the point book information on at least one form through the book issuing device, thereby printing the predetermined point book. Issue it.

Alternatively, if the point passbook is an IC (Integrated Circuit) card, the passbook issuing device includes a device for recording the point passbook information in a memory provided in the IC chip of the point passbook, wherein the information generation unit 325 generates the point bank account information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bank account issuing unit 330 sends the point bank account information through the bank account issuing device. By writing to the memory of the IC chip, a predetermined point bankbook is issued.

The pointbook produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined bankbook providing procedure, after which the customer uses the pointbook through the bankbook issuing system according to the present invention. do.

Then, the information storage unit 320 and the point bank account on the ledger D / B on the financial system based on the point bank account issuance application information and the point bank account information received from the customer through the information receiving unit 315 and The point bank account information is stored in the form of additional information of an account ledger (or receiving ledger) corresponding to the linked financial account (or point account).

Here, the point bank account information in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account (or point account) associated with the point bank on the ledger D / B of the financial system of the point account information It is preferred to include at least one information item to be stored.

According to the method of the present invention, the financial account (or point account) associated with the point bank account is deposited by the customer in addition to the point value (or the amount corresponding to the point value) that the point provider provides to the customer. Amounts and / or amounts transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution) may be deposited, in which case a financial account (or points associated with the point account) The amount deposited in the customer of the amount deposited in the account and / or the amount transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution) is free to withdraw and withdraw, The point value (or the amount corresponding to the point value) accumulated by the point provider to the customer is freely entered. And it is that this lock function can be set to not preferred, it (the amount corresponding to the point or value) by the point value is preferably set to a depositing process in the instrument a customer has signed up.

According to the method of the present invention, it is preferable that the financial account (or point account) associated with the point account includes a negative account function, whereby the point account (or financial account associated with the point account) (or Withdraw the amount corresponding to the point value accumulated (or deposited) into a predetermined financial product, and deposit the amount into a predetermined financial product, the point account (or financial account (or point account) associated with the point account) If the point value (or the amount corresponding to the point value) deposited in the bank is less than the minimum deposit amount of the financial instrument, the point bank account (or the financial account (or point account) associated with the point bank account) is converted to a negative bank account. Automatically converting and withdrawing the minimum deposit amount of the financial instrument and depositing it into the financial instrument It is possible.

4 is a diagram illustrating a point bank account issuing process for issuing and depositing and withdrawing and managing point bank accounts according to another embodiment of the present invention.

In more detail, FIG. 4 shows a client terminal and network means in which a predetermined customer includes a predetermined point bank issuing interface (eg, at least one wired terminal and / or a wireless terminal) in the point bank issuing system shown in FIG. Etc.), when the predetermined bankbook issuance application information is transmitted to the bankbook issuing server 300 to the bankbook issuing server 300, the predetermined bankbook issuing information is based on the pointbook issuing application information at the bankbook issuing server 300. Regarding the process of issuing a bankbook, a person having ordinary knowledge in the art to which the present invention pertains refers to various aspects of issuing the point bankbook for issuing and depositing and managing the bank account by referring to and / or modifying the drawing 4. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, Indicated is not limited to the exemplary method.

For example, Figure 4 illustrates the point bank account after making (or delivering) to the customer, and the predetermined point bank account information stored in the ledger D / B on the financial system, but will be described by those skilled in the art The process of storing the predetermined point bank account information in the ledger D / B on the financial system according to the present invention may be performed before the point bank account is produced or before the point bank account is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 4, the bankbook issuing terminal 335 shown in FIG. 3 is referred to as "terminal" for convenience, and the bankbook issuing server 300 is referred to as "server" for convenience.

Referring to FIG. 4, a customer who wants to issue the point bank account for issuing and depositing and managing the bank account is connected to the server through the network means using the terminal, and the server issues the point bank account for the point bank account. A request for a point bank account issuing interface (400), and correspondingly, the server extracts (or generates) a point bank account issuing interface for issuing the point bank account and provides it to the terminal (405).

Thereafter, the terminal inputs (or selects) predetermined point bank account issuing application information through the point bank account issuing interface, and then provides the point bank account issuing application information to the server through a predetermined point bank account issuing interface (410). .

Here, the point bank account issuing interface, the point bank account issuing interface preferably comprises a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The point bank account issuing information provided to the server through the point bank account issuing interface may include at least one of customer information receiving the point bank account and financial account information (or point account information) to be associated with the point bank account. It is preferable to include, and comprises at least one or more points deposit target financial products information that the point value deposited in the financial account (or point account) associated with the point account among the financial products subscribed to the customer will be deposited It is preferable.

If the point account issuance information is omitted from the point bank issuance application information, at least one or more point deposit target financial products that will be deposited the point value deposited in the financial account (or point account) associated with the point account The financial institution issuing the point bank account can be selected automatically, whereby the present invention is not limited.

Here, the financial account information (or point account information) to be associated with the point bank account includes an account number corresponding to a financial account (or point account) previously opened in the ledger D / B on the financial system in the name of the customer. Preferably, if the financial account (or point account) of the customer's name is not opened in the financial system, opening an account requesting the financial system to open a new financial account (or point account) of the customer's name. Preferably, the request information is further included.

According to the present invention, the financial account (or point account) associated with the point account is at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution) the financial product. It is characterized in that it comprises an account for depositing the point value (for example, the earned points, or the amount converted from the earned points) to accumulate to the subscription customer.

According to one embodiment of the present invention, each point that is credited to the financial product subscription customer at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution), After converting to a predetermined amount, the converted amount is withdrawn from the point providing institution mother account (e.g., the financial account in the name of the point providing institution provided in the financial system), and the financial account (or point account) associated with the point account. The amount deposited in the financial account (or point account) associated with the point account is then withdrawn periodically (or by customer request) to be deposited into at least one point deposit target financial product. desirable.

According to another exemplary embodiment of the present invention, each point that is credited to the financial product subscription customer in at least one or more point providing institutions (eg, the financial institution, or at least one or more point affiliate institutions affiliated with the financial institution) is Preferably, the points are converted into points that can be deposited into a financial account (or point account) associated with the point account, and then are deposited into the financial account (or point account), and then the financial account (or associated with the point account). Points deposited in the point account) are converted into the amount corresponding to each point periodically (or by customer request), and the converted amount is the name of the point providing institution provided in each point providing institution mother account (eg, the financial system). Withdrawal from a financial account of It is preferable.

When predetermined point bank account issuing information is received through the point bank account issuing interface, the server reads the received point bank account issuing information, thereby checking whether the point bank account can be issued to the customer (415). ).

Here, the point bank account issuance validity check is to check whether the customer information included in the point bank account issuance application information is a valid customer, and the financial account information (or point account information) included in the point bank account issuance application information is the financial It is preferable to include at least one or more to check whether the ledger D / B on the system is already provided.

According to an embodiment of the present invention, when a ledger D / B on the financial system does not have a financial account (or point account) to be associated with the point account, the server may be connected to the new bank account ( Or a point account) can be further opened, whereby the present invention is not limited.

If the validity for issuing the point bank account to the customer is not authenticated through the point bank account issuing information (420), the server provides the point bank issuing error information to the customer through the point bank account issuing interface. 425, stop issuing the point account to the customer.

When the validity to issue the point bank account to the customer is authenticated through the point bank account issuing information (420), the server corresponds to a point bank account to be issued to the customer based on the point bank account issuing information. Point passbook information is generated (430).

Here, the bank account information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bank account number, and at least one transaction date, Deposit at least one or more points to withdraw and deposit bankbook entry information including contents, withdrawal amount, balance, and store name, and point value (e.g., earned points or amounts converted from earned points) deposited in the pointbook It is preferable to include at least one or more target financial product information.

In particular, the transaction date and time included in the passbook entry information is preferably made by a predetermined point providing institution to the predetermined points to the customer, or includes the date and time using the points, the content is earned points / It is preferable to include transaction details such as usage, wherein the withdrawal amount includes the point value accumulated to the customer, and the deposit amount is the point value used among the point value accumulated to the customer (eg, invested in financial products). Value), and the balance includes the total value of points accumulated to the customer, and the trading point name is credited to the customer and / or the name of the point providing institution that has earned the predetermined point value to the customer. Contain at least one financial instrument name for which points have been used It is preferable to make it together.

According to an embodiment of the present invention, if the point passbook is a paper passbook, the generated point passbook information preferably includes a data structure printable on the paperbook form.

According to another embodiment of the present invention, if the point passbook is an IC card (or wireless IC chip), the generated point passbook information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable to make it.

Thereafter, the server generates a predetermined point account book with the point account information through a predetermined bankbook issuing device and provides (or delivers) the designated point book to the customer (435).

According to an embodiment of the present invention, if the point passbook is a paper passbook, the passbook issuing device preferably comprises an apparatus for printing the point passbook information on a form provided in the point passbook.

According to another embodiment of the present invention, if the pointbook is an IC card (or a wireless IC chip), the passbook issuing device includes an apparatus for recording the pointbook information in a memory provided in the IC chip of the pointbook. It is preferable to make.

Thereafter, the server generates predetermined point book ledger information through the point book issuing application information and the generated point book information provided from the customer through the point book issuing interface (440), and generates the point book ledger information. It is stored in the ledger D / B on the financial system (445).

Here, the point bank account information in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account (or point account) associated with the point bank on the ledger D / B of the financial system of the point account information It is preferred to include at least one information item to be stored.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

According to the method of the present invention, the financial account (or point account) associated with the point bank account is deposited by the customer in addition to the point value (or the amount corresponding to the point value) that the point provider provides to the customer. Amounts and / or amounts transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution) may be deposited, in which case a financial account (or points associated with the point account) The amount deposited in the customer, and / or the amount transferred from a predetermined external account (e.g., an account other than the point providing account in the name of the point providing institution), may be freely deposited or withdrawn. The point value (or the amount corresponding to the point value) accumulated by the point provider to the customer is free to enter and exit. And it is that this lock function can be set to not preferred, it (the amount corresponding to the point or value) by the point value is preferably set to a depositing process in the instrument a customer has signed up.

According to the method of the present invention, it is preferable that the financial account (or point account) associated with the point account includes a negative account function, whereby the point account (or financial account associated with the point account) (or When withdrawing the amount corresponding to the point value accumulated (or deposited) in a predetermined financial product and depositing it into a predetermined financial product, the point account (or a financial account (or point account) associated with the point account) If the point value (or the amount corresponding to the point value) deposited in the bank is less than the minimum deposit amount of the financial instrument, the point bank account (or the financial account (or point account) associated with the point bank account, etc.) is negative. Is automatically switched to withdraw the minimum amount of the deposit of the financial instrument to deposit into the financial instrument Neunghada.

5 is a diagram illustrating the structure of ledger information for issuing and managing the deposit and withdrawal of a point account according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a structure of ledger information stored in the ledger D / B 500 on the financial system for issuing and depositing and managing the pointbook in the pointbook issuing system shown in FIGS. 1 and / or 3. In the related art, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the composition of ledger information for issuing and managing the deposit and withdrawal of points. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, the ledger information stored in the ledger D / B 500 on the financial system includes a predetermined customer ledger, at least one account ledger, and point bankbook information associated with each account ledger. Although it will be described with reference to those skilled in the art to which the present invention belongs, and by referring to and / or modified in this figure 5 other types of ledgers (for example, loan ledger, mortgage ledger, Etc.) and its additional information will be apparently included in the ledger information, and the present invention is not limited thereby.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger matched with the customer information included in the point bank account issuing application information, Customer Information File (CIF) number, country code, contact person ID, branch number, customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mail Place, account number, president, type of business, legal representative, first trade date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in this figure 5, the ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, Bank account balance, bank account number, current interest, time extension, time extension amount, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest , The final payment transaction number, the individual interest rate reference, and the final interest calculation date, etc., and include the account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information including at least one, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the account. At least one of account number, transaction number, date, point number, product type, transaction type, cash amount, RBI number, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

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

Referring to Figure 5, the point bank account information is included in the ledger information in the form of additional information associated with the account ledger, the point bank account information is a customer name, social security number (or if the customer is a company / corporation) (Book, corporate registration number, etc.), bankbook basic information including deposit type, new date, issue date and bankbook number, bankbook entry information including at least one transaction date and time, contents, withdrawal amount, deposit amount, balance and transaction name It is preferable to include at least one or more information on the financial products to deposit the point value (for example, earned points, or the amount converted from the earned points) deposited to the deposit processing.

Here, the transaction date and time included in the passbook entry information is preferably made by a predetermined point providing institution to the predetermined points to the customer, or includes the date and time using the points, the content is earned points / It is preferable to include transaction details such as usage, wherein the withdrawal amount includes the point value accumulated to the customer, and the deposit amount is the point value used among the point value accumulated to the customer (eg, invested in financial products). Value), and the balance includes the total value of points accumulated to the customer, and the trading point name is credited to the customer and / or the name of the point providing institution that has earned the predetermined point value to the customer. At least one financial product name for which points have been used It is made by also being preferred.

Figure 6 is a diagram showing a system for earning points for investment in financial products according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates that when at least one or more point providing servers 600 accumulate a predetermined point to a customer who has issued at least one or more pointbooks through the pointbook issuer system shown in FIGS. 1 and / or 3, A system configuration for accumulating the point value in the point account (or a financial account (or point account) associated with the point account, etc.), and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or 6 may be inferred a variety of implementation methods for the configuration of points earning system for investment in financial products, the present invention comprises all the implementation methods inferred, the implementation shown in Figure 6 The technical features are not limited only by the method.

Referring to this figure 6 according to the embodiment of the present invention, the point earning system for investment in financial products according to the present invention, at least one or more point passbook through the point passbook issuance system shown in Figure 1 and / or Figure 3 A point providing server 600 provided in at least one or more point providing institutions for providing predetermined points to the issued customer, and a point bank account for accumulating point values provided to the point accounting issuing customer in the point providing server 600; The bank account system (or point account) in which the linked financial account is opened and the point accounting server provided by the point providing server 600 to the point bank issuing customer in connection with the financial system linked to the point bank account (or the point bank account) Including a point earning server 605 to accumulate in a financial account (or point account, etc.) It characterized by that.

According to the implementation method of the present invention, it is preferable that the financial system has a point providing account in the name of the point providing institution opened, and the point providing account is a point to be provided to at least one point account issuer to the point providing institution. It is preferable that a predetermined amount of money corresponding to the value is deposited.

The financial system, which is equipped with a financial account (or point account) associated with the point account, includes an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window), and the headquarters business. At least provided in an information system for the processing of information processing and branch information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. Access to the financial system from one or more non-face-to-face financial means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), and / or at least one common network (e.g., CD common network) Characterized in that it comprises an external system that provides a variety of financial transaction interface through the financial common network) In addition, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (for example, required information for performing each function in a component in the financial system). , A ledger information, and / or customer information, and / or management information, etc.), and a DBMS (DataBase Management System) including at least one database for storing and managing the information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 500 for storing at least one ledger, wherein the ledger D / B 500 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger portion corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) The household beams are stored in association with each other.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 500 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the ledger D / B 500 provided on the financial system is a point passbook issued to at least one customer through the point passbook issuing system shown in Figure 1 and / or Figure 3 Or storing ledger information corresponding to a financial account (or a point account) associated with the point account.

In addition, the ledger D / B 500 provided on the financial system is characterized by storing the ledger information corresponding to the point providing account in the name of the point providing institution, corresponding to the point providing account of the point providing institution name The ledger information is preferably an amount corresponding to the point value to be provided / accumulated by the point provider to at least one point book issuing customer.

Referring to FIG. 6 according to an embodiment of the present invention, in the financial system, the point accumulation server 605 in conjunction with the point accumulation server 605 may be a point account issuing system shown in FIGS. 1 and / or 3. A point processing unit for processing to accumulate the points provided by the point provider to the customer through a point passbook (or a financial account (or point account) associated with the point passbook, etc.) issued to at least one customer through It is preferable to provide.

Here, it is preferable that the point processing unit is provided in the external system on the financial system, but the present invention is not limited thereto, and various modifications are made according to the intention of the person skilled in the art and / or the characteristics of the financial system. It is possible.

At least one or more point providing institutions that provide a predetermined point to a customer who has been issued at least one or more point book through the point book issuing system shown in FIG. 1 and / or FIG. At least one financial company that provides / establishes a predetermined point to the pointbook issuing customer according to the present invention, and / or at least provides / establishes a predetermined point to the pointbook issuing customer according to the card transaction performance of the pointbook issuer. At least one card company, and / or at least one or more distributors for providing / saving a predetermined point to the point bank issuing customer according to the purchase history of the point bank issuing customer.

Those skilled in the art can infer various point providing institutions that provide / establish at least one or more points to the point bank issuer in addition to the financial company and / or card company and / or distributor mentioned above. It will be apparent that the present invention includes all the point providing agencies inferred.

The point providing server 600 is a component for providing / establishing at least one or more points from the point providing institution to the point passbook issuing customer, and calculates point information to be accumulated to the point passbook issuing customer, and predetermined communication The calculated point information and the customer information through the means is characterized in that to provide to the point earning server 605.

If a person having ordinary knowledge in the technical field to which the present invention belongs, the point providing server 600 is matched with customer information (for example, customer ledger information) on the ledger D / B (500) provided in the financial system It will be clearly understood that it is comprised of at least one database with information, and that it will be clearly understood that the point provision server 600 comprises not only a predetermined server but also comprises at least one terminal and / or device. The present invention is not limited thereby.

Referring to Figure 6, the point earning server 605 is an information receiving unit 625 for receiving the point information and customer information to be credited to a predetermined point passbook issuing customer from the point providing server 600 through a predetermined communication means And an information checking unit 620 that checks whether the point system (or a financial account (or point account) associated with the point account) is matched with the received customer information in connection with the financial system. ) And a point bank book (or a financial account (or a point account) associated with the point bank book) that matches the customer information, the point information (or the point bank account) Value conversion unit 615 that converts into a point value that can be accumulated in the linked financial account (or point account, etc.), and in connection with the financial system It characterized in that it comprises a point earning unit 610 for accumulating the converted point value in the customer's point account (or financial account (or point account) associated with the point account).

The information receiving unit 625 may be provided from the point providing server 600 including at least one of the financial company server and / or the card company server and / or the distributor company server through a predetermined communication means (for example, a network or a dedicated communication network). Characterized by receiving the point information and customer information to be earned to the point passbook issuing customers, characterized in that to provide the received customer information to the information verification unit 620.

According to the exemplary embodiment of the present invention, the point information is generally different from the point value, the point unit, and the face value included in each point information provided / established by the point providing server 600 to the point bank issuer. to be.

For example, if the point unit of the point providing institution A is "a" and the point value is 1,000,000, the face value of the point corresponds to 100 won in cash, and the point unit of the point providing institution B is "b", the point If the value is 100, the face value of the point may correspond to 100 won in cash.

According to the embodiment of the present invention, the customer information preferably comprises at least one or more customer identification information matching the customer ledger provided in the ledger D / B (500) of the financial system.

For example, the customer information includes at least one or more of a social security number, and / or a customer information file (CIF) number, and / or a bank account number, and / or an account number of the customer who issued the point bank account included in the customer ledger. desirable.

The information checking unit 620 checks whether the point system (or a financial account (or point account) associated with the point account) is matched with the received customer information in connection with the financial system. Thus, a predetermined point bankbook (or a financial account (or point account) associated with the point bankbook) is issued to the customer corresponding to the customer information through the point bank account issuing system shown in FIGS. 1 and / or 3. It is characterized by checking whether there is.

According to an exemplary embodiment of the present invention, the information checking unit 620 searches the ledger D / B 500 provided in the financial system by using the customer identification information included in the received customer information as a keyword. It is preferable to check whether a predetermined point bank account (or a financial account (or point account) associated with the point bank account) is issued through the point bank account issuing system illustrated in FIGS. 1 and / or 3.

If it is confirmed that a predetermined point bank account (or a financial account (or a point account) associated with the point bank account, etc.) is issued to the customer corresponding to the customer information, the value converting unit 615 reads the customer information. And converting a point value and a unit included in each point information received together with a predetermined point value.

According to an exemplary embodiment of the present invention, the value converting unit 615 may convert the point value included in each point information into its face value.

According to another exemplary embodiment of the present invention, the value converting unit 615 may convert the point value included in each point information into a point value of any one point unit among the point units included in the point information. Do.

According to another exemplary embodiment of the present invention, the value converting unit 615 may store a point value included in each point information in a point account (or a financial account (or point account) associated with the point account). It is preferable to convert the point value corresponding to the third point unit defined so that it can be defined.

When the point value included in the point information is converted into a point value that can be accumulated in the point account (or a financial account (or point account) associated with the point account, etc.), the point accumulator 610 is the financial unit. The converted point value in connection with the system is characterized in that to accumulate in the customer's point bank account (or financial account (or point account), etc. associated with the point bank account).

According to the method of the present invention, the point accumulator 610 is a point bank account (or a financial account (or point account) associated with the point bank account) issued to the customer the converted point value in connection with the financial system Etc.) to generate ledger information (for example, bankbook entry information), and store the generated ledger information in the point book ledger provided in the ledger D / B 500 on the financial system.

Referring to FIG. 6, the ledger information (eg, book entry information) for accumulating the converted point value into a point account (or a financial account (or point account) associated with the point account) issued to the customer is And, withdraw the amount corresponding to the point value from the point bank account (or a financial account (or point account) associated with the point bank account, etc.), and provide an actual amount corresponding to the point value to the point providing account in the name of the point provider. Characterized by including ledger information to be able to withdraw from.

According to another exemplary embodiment of the present invention, ledger information (eg, bank book entry information) for accumulating the converted point value into a point account (or a financial account (or point account) associated with the point account) issued to the customer ), The actual amount corresponding to the point value is periodically withdrawn (e.g. once a month) from the point providing account in the name of the point providing institution and linked with the point account (or the point account issued to the customer) It is preferable that the deposit is processed to a financial account (or a point account), etc., thereby limiting the present invention.

According to another embodiment of the present invention, the ledger information (eg, book entry) that accumulates the converted point value to the point bankbook (or financial account (or point account) associated with the point bankbook) issued to the customer Information), when the actual amount corresponding to the point value exceeds a certain amount, a point bankbook (or associated with the point bankbook) withdrawn from the point providing account in the name of the point providing institution and issued to the customer It is preferable to process the deposit into a financial account (or a point account), and the present invention is not limited thereto.

7 is a view showing a method for earning points for investment in financial products according to an embodiment of the present invention.

In more detail, FIG. 7 is provided to at least one or more pointbooks issued by the at least one pointbook server 600 shown in FIG. 6 through the pointbook issuance system shown in FIGS. 1 and / or 3. When a predetermined point is accumulated, the point value (or a financial account (or a point account), etc. associated with the point account) is accumulated in the point value, and has a general knowledge in the technical field to which the present invention belongs. If it grows, it will be able to infer various implementation methods for the method of earning points for investment in financial products by referring to and / or modifying this figure 7, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the point earning server 605 shown in FIG. 6 is referred to as a "server" for convenience.

Referring to FIG. 7, the point providing server 600 including at least one financial company server and / or a card company server and / or a distribution company server illustrated in FIG. 6 may provide predetermined point information to be credited to a predetermined point book issuing customer. In operation 700, the calculated point information and the customer information are transmitted to the server through a predetermined communication means.

According to the exemplary embodiment of the present invention, the point information is generally different from the point value, the point unit, and the face value included in each point information provided / established by the point providing server 600 to the point bank issuer. to be.

For example, if the point unit of the point providing institution A is "a" and the point value is 1,000,000, the face value of the point corresponds to 100 won in cash, and the point unit of the point providing institution B is "b", the point If the value is 100, the face value of the point may correspond to 100 won in cash.

According to the embodiment of the present invention, the customer information preferably comprises at least one or more customer identification information matching the customer ledger provided in the ledger D / B (500) of the financial system.

For example, the customer information includes at least one or more of a social security number, and / or a customer information file (CIF) number, and / or a bank account number, and / or an account number of the customer who issued the point bank account included in the customer ledger. desirable.

Subsequently, the server receives the point information and the customer information transmitted from the point providing server 600, reads the received customer information, and sends it to the customer corresponding to the customer information in Figs. The predetermined point passbook is confirmed through the illustrated point passbook issuing system (710).

According to an embodiment of the present invention, the server searches the ledger D / B 500 provided in the financial system by using the customer identification information included in the received customer information as a keyword, thereby providing the customer with the drawings 1 and FIG. It is preferable to check whether a predetermined point account book (or a financial account (or point account) associated with the point account book) is issued through the point bank account issuing system shown in FIG. 3.

If the check result confirms that a predetermined point bank account (or a financial account (or point account) associated with the point bank account, etc.) has been issued to the customer corresponding to the customer information (715), the server is connected with the customer information. The point value and unit included in each point information received together with the point book issued to the customer through the point book issuing system shown in FIGS. 1 and / or 3 (or a financial account associated with the point book) Or a point account), etc.) to convert the predetermined point value that can be accumulated (720).

According to one embodiment of the invention, the server preferably converts the point value included in each point information into its face value.

According to another exemplary embodiment of the present invention, it is preferable that the server converts a point value included in each point information into a point value of any one point unit among the point units included in the point information.

According to another exemplary embodiment of the present invention, the server may be configured to accumulate a point value included in each point information in a point book (or a financial account (or point account) associated with the point book). It is preferable to convert it to the point value corresponding to 3 point units.

Thereafter, the server generates ledger information (eg, bankbook entry information) for accumulating the converted point value into a point bankbook (or a financial account (or point account) associated with the point bankbook) issued to the customer. In operation 725, the generated ledger information is stored in the point bank book ledger provided in the ledger D / B 500 on the financial system (730).

According to an embodiment of the present invention, the ledger information (eg, book entry information) for accumulating the converted point value into a point account (or a financial account (or point account) associated with the point account) issued to the customer. When the withdrawal of the amount corresponding to the point value from the point account (or a financial account (or point account) associated with the point account, etc.), provides the actual amount corresponding to the point value in the point provider name It is preferable to include the ledger information to enable the withdrawal from the account.

According to another exemplary embodiment of the present invention, ledger information (eg, bank book entry information) for accumulating the converted point value into a point account (or a financial account (or point account) associated with the point account) issued to the customer ), The actual amount corresponding to the point value is periodically withdrawn (e.g. once a month) from the point providing account in the name of the point providing institution and linked with the point account (or the point account issued to the customer) It is preferable that the deposit is processed to a financial account (or a point account), etc., thereby limiting the present invention.

According to another embodiment of the present invention, the ledger information (eg, book entry) that accumulates the converted point value to the point bankbook (or financial account (or point account) associated with the point bankbook) issued to the customer Information), when the actual amount corresponding to the point value exceeds a certain amount, the point bank account (or finance associated with the point bank account) issued to the customer withdrawn from the point providing account under the point providing institution name It is preferable that the deposit is processed into an account (or a point account), and the present invention is not limited thereby.

8 is a view showing a point bank operating system for managing the deposit and withdrawal of the point bank according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that at least one point bank account (or a financial account (or point account) associated with the point bank account is provided by a predetermined financial product customer through a point bank account issuing system shown in FIGS. 1 and / or 3. If a predetermined point value is accumulated in the point book (or a financial account (or point account) associated with the point book) through the point earning system shown in FIG. Point account management system for depositing the amount corresponding to the value into the financial products subscribed to by the customer, if the person of ordinary skill in the technical field to which the present invention belongs, reference and / or modification of this figure In order to infer various implementation methods for the configuration of the point bank operating system for the deposit and withdrawal management of the point bank account And, the invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

Referring to this figure 8 according to the embodiment of the present invention, the point bank account management system for the deposit and withdrawal management of the point bank account, at least one or more financial products through the point bank account issuing system shown in Figure 1 and / or Figure 3 The point bank account (or the point bank account) through a financial system having a point bank account (or a financial account (or a point account) associated with the point bank account, etc.) issued to a subscribing customer, and a point earning system shown in FIG. And a point operation server 800 that withdraws the amount corresponding to the point value accumulated in the financial account (or point account, etc.) associated with the deposit and deposits it with a predetermined financial product. According to the intention of the person skilled in the art, the point bank account management system may be provided by the customer to a predetermined financial transaction interface means. It further comprises over the point passbook banking terminal to request and handle the financial transactions for the (or a financial account (or accounts point), etc. associated with the points account) 820 is preferred.

Finance having a point bank account (or a financial account (or point account) associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 The system includes an account system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or a window), an information system that processes the headquarters business, stores information support and customer information management, Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC) provided in at least one or more external communication networks. Chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one And an external system that provides various financial transaction interfaces through a common network (eg, a CD common network and a financial common network). The financial system further provides interfacing between components in the financial system. Interface module corresponding to the middleware platform, and predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to store and manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 500 for storing at least one ledger, wherein the ledger D / B 500 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 500 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the ledger D / B 500 provided on the financial system is a point passbook issued to at least one customer through the point passbook issuing system shown in Figure 1 and / or Figure 3 Or storing ledger information corresponding to a financial account (or a point account) associated with the point account.

In addition, the ledger D / B 500 provided on the financial system is characterized by storing the ledger information corresponding to the point providing account in the name of the point providing institution, corresponding to the point providing account of the point providing institution name The ledger information is preferably an amount corresponding to the point value to be provided / accumulated by the point provider to at least one point book issuing customer.

Referring to FIG. 8 according to the embodiment of the present invention, the financial system is a point account server issuing system shown in FIGS. 1 and / or 3 by the point management server 800 in conjunction with the point management server 800. For depositing an amount corresponding to the value of the points accumulated in the point passbook (or a financial account (or point account) associated with the point passbook) issued to at least one or more customers through the financial instruments subscribed to the customer It is preferable to provide a point processing unit.

Here, it is preferable that the point processing unit is provided in the external system on the financial system, but the present invention is not limited thereto, and various modifications are made according to the intention of the person skilled in the art and / or the characteristics of the financial system. It is possible.

The financial system performs a predetermined financial transaction by a financial transaction terminal 820 connected through a predetermined financial transaction interface means, and the financial transaction terminal 820 is a personal computer that provides Internet banking and / or online payment service. A predetermined wired terminal including at least one or more of a Personal Computer (PC) or a Notebook, and / or a Personal Communication System (PCS) or GSM (Global) that provides a wireless banking and / or wireless payment service. System for Mobile communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or smart phone or wireless data communication terminal or A wireless terminal including at least one portable internet terminal, and / or an automatic response service (ARS) Is a call terminal including at least one wired or wireless voice call device for providing phone banking and / or phone payment service based on a call center, and / or a credit authorization terminal for providing an electronic payment service. Or a payment terminal including at least one contact (or contactless) IC card terminal, and / or a teller terminal provided in a financial institution for use by an employee, and / or an automatic teller machine (ATM) or cash automatic. Home appliance terminals, including an unattended financial terminal including at least one Cash Dispenser (CD), and / or a digital television (DTV) providing home banking and / or home payment services, and / or to a customer. A server provided in a paying institution (for example, a company where a customer is working) that pays an amount, or a price for charging a predetermined amount to the customer. A server (eg, a bank and a server that performs a pumping corresponding to the customer) provided in an old institution (for example, a credit card company, a telecommunication company, a mobile carrier, and a utility bill collecting institution including electricity / gas / water), or It is preferable to include a customer-side server including at least one server provided in a money management institution (eg, securities company, investment trust bank, commercial bank) for managing the customer's funds.

Here, the financial transaction interface means preferably comprises at least one of a face-to-face financial transaction channel, and / or a non-face-to-face financial transaction channel.

Referring to FIG. 8, the point operation server 800 is linked to a point bank account (or associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system illustrated in FIGS. 1 and / or 3. A deposit confirmation unit 805 for checking whether to deposit an amount corresponding to the point value accumulated to the customer from the established financial account (or a point account), etc. with the financial product to which the customer has subscribed, and corresponding to the point value. When it is confirmed to deposit the amount to the financial instrument subscribed to by the customer, a point bank account (or a financial account (or point account) associated with the point bank account), etc. issued to the financial product subscriber in connection with the financial system. Information on the amount of money to be deposited from the customer to the financial product subscribed to by the customer, and at least one financial product information to which the amount is to be deposited. And an information identification unit 810, a payment processing unit (815) to open and associated with the financial system, the payment processing the identified amount of money to the identified financial instruments to determine characterized in that formed.

The deposit confirmation unit 805 is linked to the point system (or linked with the point bank account issued to at least one or more financial product subscription customers through the point bank account issuing system shown in Figures 1 and / or 3 in connection with the financial system) From the financial account (or point account), etc., it is checked whether or not to deposit the amount corresponding to the value of the points earned to the customer through the point accumulation system shown in FIG. It is done.

According to the exemplary embodiment of the present invention, the deposit confirmation unit 805 checks whether the pointbook issuing customer processes at least one or more financial transactions through a predetermined financial transaction terminal 820 and financial transaction interface means. When it is confirmed that the financial transaction customer processes at least one financial transaction, the point bank account (or the point bank account) issued to the at least one financial product subscription customer through the point bank account issuing system shown in FIGS. 1 and / or 3 From the financial account (or point account, etc.) associated with the through the points earning system shown in Figure 6 to confirm that the amount corresponding to the value of the points earned to the customer by depositing the financial products subscribed to the customer It is preferable.

According to another exemplary embodiment of the present invention, the deposit confirmation unit 805 is a point passbook issued to at least one financial product subscription customer through a point passbook issuing system shown in the drawings 1 and / or 3 at regular intervals From the financial account (or point account, etc.) associated with the point bank account, the amount corresponding to the point value accumulated to the customer through the point earning system shown in FIG. 6 is deposited into the financial product subscribed to by the customer. It is preferable to confirm by processing.

According to another embodiment of the present invention, the deposit confirmation unit 805 periodically at least through the point account issuing system shown in Figures 1 and / or 3 through the point earning system shown in Figure 6 Check the value of points earned by a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to one or more financial product subscription customers, and the amount corresponding to the point value is signed by the customer. If the minimum deposit amount of the financial product is exceeded, a point bank account (or a financial account associated with the point bank account) issued to at least one or more financial product subscribers through the point bank account issuing system shown in FIGS. 1 and / or 3 (Or point accounts), etc.) credited to the customer through the point earning system shown in FIG. To determine the amount corresponding to the bit value that the customer is treated as a payment instrument to join is preferable.

As a result of the verification, a point bank account (or a financial account (or a point account) associated with the point bank account), etc. issued to at least one or more financial product customers through the point bank account issuing system illustrated in FIGS. 1 and / or 3 When it is confirmed that the deposit processing of the amount corresponding to the value of the points accumulated to the customer through the point earning system shown in Figure 6 to the financial product subscribed to by the customer, the information verification unit 810 and the financial system; The amount information to be deposited into the financial product subscribed to by the customer from a point bank account (or a financial account (or a point account) associated with the point bank account, etc.) issued to the financial product subscription customer in association with at least the amount to be deposited Characterized in that identifying one or more financial product information.

According to the method of the present invention, the information checking unit 810 is linked to the financial system of the at least one financial product subscribed to the customer of the point bank account (or the financial account (or point account associated with the point bank account) It is desirable to confirm at least one or more financial product information to deposit the amount corresponding to the point value accumulated in the).

Here, the at least one financial product subscribed to by the customer preferably includes at least one investment financial product subscribed by the customer for the purpose of return on investment, including free deposit and withdrawal deposit in the name of the customer.

Those skilled in the art to which the present invention pertains, since the customer will be familiar with at least one kind of financial products subscribed, detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the at least one financial product information checked by the information checking unit 810 includes account information corresponding to the financial product to which the customer subscribes, and a minimum amount of money that can be deposited in the financial product. It is preferable to include the amount information.

According to the method of the present invention, the information checking unit 810 is connected to the financial system from the point bank account (or a financial account (or point account), etc. associated with the point bank account) issued to the customer of the financial product subscription It is preferable to confirm the amount of money that can be deposited into the identified financial product information (eg, an account corresponding to the financial product).

Points accumulated in a point bankbook (or a financial account (or point account) associated with the point bankbook) issued to the financial product subscription customer through the point earning system shown in FIG. 6 according to one embodiment of the present invention. When the amount corresponding to the value exceeds the minimum deposit amount included in the confirmed financial product information, the information checking unit 810 is the point account (or financial account (or point account) associated with the point account), etc. It is preferable to check the amount corresponding to the value of the points accumulated in) as the amount to be deposited into the financial product.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point earning system shown in FIG. If the amount corresponding to the value of the point is less than the minimum deposit amount included in the confirmed financial product information, the information checking unit 810 is the point bank (or a financial account (or point account), etc. associated with the point bank) Is automatically converted to a negative bank account, and the minimum amount of money that can be deposited into the financial instrument is confirmed as the amount to be deposited into the financial instrument from the point bank account (or a financial account (or point account) associated with the point bank account, etc.). In this case, the point bank account (or financial account (or point account) associated with the point bank account) is The loan amount is minus the amount of the minimum deposit amount minus the amount corresponding to the point value accumulated in the point account (or a financial account (or point account) associated with the point account).

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank book) issued to the financial product subscription customer through the point earning system shown in FIG. The amount corresponding to the accumulated point value is less than the minimum deposit amount included in the identified financial product information, and there is no negative banking function in the point account (or the financial account (or point account) associated with the point account). In this case, the information confirming unit 810 confirms that the amount corresponding to the point value accumulated in the point account (or a financial account (or point account) associated with the point account) cannot be deposited into the financial product. The present invention is not limited thereto.

The deposit processing unit 815 deposits the amount of money confirmed to be deposited into the financial product subscribed to by the customer to the identified financial product in connection with the financial system, and generates predetermined ledger information corresponding to the deposit processing. A ledger corresponding to a point bankbook (or a financial account (or point account) associated with the point bankbook) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 Characterized in that stored in.

Referring to FIG. 8, an amount corresponding to the point value accumulated in the point account (or a financial account (or point account) associated with the point account) through the point earning system illustrated in FIG. 6 is the point. It is preferable to be deposited in a point providing account in the name of the provider, whereby the deposit processing unit 815 deposits in the financial product subscribed to by the customer in connection with the point providing account in the name of the point providing institution through the financial system. It is preferable to deposit the amount confirmed to the above-mentioned financial instrument.

Points accumulated in a point bankbook (or a financial account (or point account) associated with the point bankbook) issued to the financial product subscription customer through the point earning system shown in FIG. 6 according to one embodiment of the present invention. When the amount corresponding to the value exceeds the minimum deposit amount included in the identified financial product information, the deposit processing unit 815 joins the financial product through the point earning system shown in FIG. 6 through the financial system. Corresponding to each point value from a point providing account in the name of at least one point providing institution that has earned a certain point value with a point account issued to a customer (or a financial account (or point account) associated with the point account) It is preferable to withdraw money and deposit it into the financial instrument account.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point earning system shown in FIG. When the amount corresponding to the point value is less than the minimum deposit amount included in the confirmed financial product information, the deposit processing unit 815 through the financial system through the point earning system shown in Figure 6 through the financial system customers Corresponding to the accumulated point value from a point providing account in the name of at least one point providing institution that has earned a predetermined point value with a point account (or a financial account (or point account) associated with the point account) Withdraw the amount of money and deposit it into the financial product account. It is preferable to withdraw money from a left bank (for example, a financial institution account provided for negative loan processing of a financial account (or a point account) associated with the point bank account) and deposit it into the financial product account. At this time, the amount withdrawn from the financial institution mother account and deposited into the financial product account is preferably processed as a negative loan of the point bank account (or financial account (or point account) associated with the point bank account).

9 is a view showing a point bank operating method for the deposit and withdrawal management of the point bank according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates that a customer who subscribes to a financial product is provided with at least one point bank account (or a financial account (or a point account) associated with the point bank account through the point bank account issuing system shown in FIGS. If a predetermined point value is accumulated in the pointbook (or a financial account (or point account) associated with the pointbook) through the point accumulation system shown in FIG. The point bank operation process of depositing the amount corresponding to the point value in the point management server 800 on the point management system shown in 8 to the financial product subscribed to by the customer, which is usually in the technical field to which the present invention belongs. If you have a knowledge of the point of reference, and / or modify the point 9 to the point bank for the deposit and withdrawal management of the point account Various implementation methods for the chapter operation process can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

In the following figure 9, the point management server 800 shown in FIG. 8 is referred to as " server " for convenience.

Referring to FIG. 9, the server may be connected to the financial system shown in FIG. 8 to issue at least one point account issued to at least one financial product subscription customer through the point pass issue system shown in FIGS. 1 and / or 3. Or depositing an amount corresponding to the value of the points accumulated to the customer through the point earning system shown in FIG. 6 from the financial account (or point account) associated with the point account to the financial product subscribed to by the customer. Check (900).

According to an exemplary embodiment of the present invention, the server checks whether the pointbook issuing customer processes at least one financial transaction through a predetermined financial transaction terminal 820 and a financial transaction interface means, and the financial transaction customer at least When it is confirmed that one or more financial transactions are processed, a point bank account (or a financial account associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 (Or a point account), etc.), it is preferable to check the amount of money corresponding to the point value accumulated to the customer through the point earning system shown in FIG.

According to another embodiment of the present invention, the server is a point passbook (or the point passbook issued to at least one financial product subscription customer through a point passbook issuing system shown in the drawings 1 and / or 3 at regular intervals From the financial account (or point account, etc.) associated with the through the points earning system shown in Figure 6 to confirm that the amount corresponding to the value of the points earned to the customer by depositing the financial products subscribed to the customer It is preferable.

According to another exemplary embodiment of the present invention, the server periodically subscribes at least one or more financial products through the point account issuing system shown in FIGS. 1 and / or 3 through the point earning system shown in FIG. Check the point value accumulated in the point account issued to the customer (or financial account (or point account) associated with the point account, etc.), and the amount corresponding to the point value is the minimum deposit of the financial product to which the customer subscribes. If the amount is exceeded, a point bank account (or a financial account (or point account) associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 Etc.) to the value of points earned to the customer through the point earning system shown in FIG. It is desirable to confirm that the corresponding amount is to be deposited into the financial instrument subscribed to by the customer.

If the check result is a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 When it is confirmed from the deposit processing of the amount corresponding to the value of the points earned to the customer through the point earning system shown in Figure 6 to the financial product subscribed to by the customer (905), the server is linked with the financial system Through the point earning system shown in Figure 6 to check the at least one or more financial product information to be deposited the amount corresponding to the value of the points earned to the customer (910), the point passbook (or associated with the point passbook From a financial account (or point account, etc.) to the at least one identified financial instrument Check the amount of (915).

Here, the at least one financial product subscribed to by the customer preferably includes at least one investment financial product subscribed by the customer for the purpose of return on investment, including free deposit and withdrawal deposit in the name of the customer.

In addition, the identified at least one financial product information, it is preferable that the account information corresponding to the financial product subscribed to the customer and the minimum amount of money that can be deposited in the financial product.

If the amount of money to be deposited from the point bank account (or a financial account (or point account) associated with the point bank account, etc.) to the at least one identified financial product is confirmed (920), the server may deposit money into the financial product. For a point book (or a financial account (or point account) associated with the point book) issued to the customer of the financial product through the point book issuing system shown in FIGS. 1 and / or 3 corresponding to the amount Check whether the loan is negative (925).

Points accumulated in a point bankbook (or a financial account (or point account) associated with the point bankbook) issued to the financial product subscription customer through the point earning system shown in FIG. 6 according to one embodiment of the present invention. If the amount corresponding to the value exceeds the minimum deposit amount included in the identified financial product information, the server points accumulated in the point account (or financial account (or point account) associated with the point account) The amount corresponding to the value is preferably identified as the amount to be deposited into the financial instrument.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point earning system shown in FIG. If the amount corresponding to the point value is less than the minimum deposit amount included in the confirmed financial product information, the server automatically converts the point bank account (or financial account (or point account) associated with the point bank account) to a negative bank account. It is preferable to convert, and confirm the minimum amount of money that can be deposited into the financial product as the amount to be deposited into the financial product from the point bank (or a financial account (or point account) associated with the point bank), At this time, the point account (or financial account (or point account), etc. associated with the point account) is the minimum The deposit amount is processed as a negative loan by deducting the amount corresponding to the point value accumulated in the point account (or a financial account (or point account) associated with the point account).

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank book) issued to the financial product subscription customer through the point earning system shown in FIG. The amount corresponding to the accumulated point value is less than the minimum deposit amount included in the identified financial product information, and there is no negative banking function in the point account (or the financial account (or point account) associated with the point account). In this case, the server may confirm that the amount corresponding to the point value accumulated in the point account (or a financial account (or point account) associated with the point account) cannot be deposited into the financial product. Thereby, this invention is not limited.

If a negative loan for a point bank account (or a financial account (or point account) associated with the point bank account, etc.) is not confirmed (e.g., issued to the financial product subscription customer through the point earning system shown in FIG. If the amount corresponding to the value of the points accumulated in the accumulated point bankbook (or financial account (or point account) associated with the point bankbook, etc.) exceeds the minimum deposit amount included in the identified financial instrument information) (930) The server is associated with the financial system, the amount corresponding to each point value from the point providing account of each point providing institution name corresponding to the point value accumulated to the customer (eg, the point at each point providing institution) Withdraw the amount corresponding to the point value earned to the bankbook issuing customers (935), And deposit (940) the withdrawn amount into the identified financial instrument (eg, a financial instrument account confirmed to deposit an amount corresponding to the point value). After generating predetermined ledger information corresponding to the deposit processing of the amount with the financial product (945), joining at least one financial product through the point book issuing system shown in the generated Figure 1 and / or Figure 3 In operation 970, the bank book corresponding to the point bank account (or a financial account (or point account) associated with the point bank account) issued to the customer is stored.

On the other hand, if a negative loan is confirmed for a point account (or a financial account (or point account) associated with the point account, etc.) (for example, a point issued to the financial product subscription customer through the point earning system shown in FIG. The amount corresponding to the point value accumulated in the bank account (or the financial account (or point account) associated with the point bank account) is less than the minimum deposit amount included in the confirmed financial product information, and the point bank account (or the point) If a negative loan function is provided in the financial account (or point account) associated with the bank account) (930), the server checks a predetermined negative loan amount in association with the financial system (950).

According to the method of the present invention, the negative loan amount is based on the point value accumulated in the point bank account (or the financial account (or point account) associated with the point bank account) at the minimum deposit amount that can be deposited into the financial product. It is preferable to include the amount of money which deducted the corresponding amount of money.

Thereafter, the server withdraws the identified negative loan amount from the financial institution mother account in association with the financial system, and also from each point providing account of each point providing institution name corresponding to the point value accumulated to the customer. After withdrawing the amount corresponding to the value of the point (for example, the amount corresponding to the value of the points accumulated by the respective point provider to the point bank issuing customers) (955), each withdrawal amount in connection with the financial system Deposit a payment into the identified financial instrument (eg, a financial instrument account confirmed to deposit an amount corresponding to the point value), and calculate a predetermined interest rate corresponding to the negative loan (960).

Thereafter, the server generates predetermined ledger information corresponding to the process of depositing the amount of money into the negative loan and the financial product (965), and the point book issuing system shown in the generated drawings 1 and / or 3 Through 970 is stored in the ledger corresponding to the point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to at least one financial product subscription customer through.

FIG. 10 is a diagram illustrating a point bank operating method for managing deposit and withdrawal of a point bank according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, a customer who subscribes to a financial product is provided with at least one point bank account (or a financial account (or point account associated with the point bank account) through the point bank account issuing system shown in FIGS. If a predetermined point value is accumulated in the pointbook (or a financial account (or point account) associated with the pointbook) through the point accumulation system shown in FIG. In the financial transaction terminal 820 on the point management system shown in 8, the customer subscribes an amount corresponding to the point value accumulated in the point account (or a financial account (or point account) associated with the point account). Point bank account operation process for requesting the deposit processing to the financial products, and in the technical field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods for the operation of the point bank account for managing the deposit and withdrawal of the point bank by referring to and / or modifying the drawing 10, but the present invention is all inferred method of implementation It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in this drawing 10, the point management server 800 shown in drawing 8 will be referred to as a " server "

Referring to FIG. 10, the server uses the predetermined financial transaction interface means in the financial transaction terminal 820 shown in FIG. 8 to perform the point account (or a financial account (or point account) associated with the point account). Check whether the amount corresponding to the value of the points accumulated in the bank requests to process the deposit to the financial product subscribed (1000).

If the check result, the point value accumulated in the point bank account (or a financial account (or point account) associated with the point bank account, etc.) through a predetermined financial transaction interface means in the financial transaction terminal 820 illustrated in FIG. When it is confirmed that the request for depositing the amount corresponding to the deposit into the financial product subscribed to by the customer (1005), the server points to the customer through the point earning system shown in Figure 6 in connection with the financial system Identifying 1010 at least one financial instrument information to which an amount corresponding to a value is to be deposited (1010), and identifying the at least one financial instrument from the point bank account (or a financial account (or point account) associated with the point bank account, etc.); Confirm the amount to be deposited (1015).

Here, the at least one financial product subscribed to by the customer preferably includes at least one investment financial product subscribed by the customer for the purpose of return on investment, including free deposit and withdrawal deposit in the name of the customer.

In addition, the identified at least one financial product information, it is preferable that the account information corresponding to the financial product subscribed to the customer and the minimum amount of money that can be deposited in the financial product.

If the amount of money to be deposited from the point bank account (or a financial account (or point account) associated with the point bank account, etc.) to the at least one identified financial product is confirmed (1020), the server may deposit money into the financial product. For a point book (or a financial account (or point account) associated with the point book) issued to the customer of the financial product through the point book issuing system shown in FIGS. 1 and / or 3 corresponding to the amount Check whether the loan is negative (1025).

Points accumulated in a point bankbook (or a financial account (or point account) associated with the point bankbook) issued to the financial product subscription customer through the point earning system shown in FIG. 6 according to one embodiment of the present invention. If the amount corresponding to the value exceeds the minimum deposit amount included in the identified financial product information, the server points accumulated in the point account (or financial account (or point account) associated with the point account) The amount corresponding to the value is preferably identified as the amount to be deposited into the financial instrument.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point earning system shown in FIG. If the amount corresponding to the point value is less than the minimum deposit amount included in the confirmed financial product information, the server automatically converts the point bank account (or financial account (or point account) associated with the point bank account) to a negative bank account. It is preferable to convert, and confirm the minimum amount of money that can be deposited into the financial product as the amount to be deposited into the financial product from the point bank (or a financial account (or point account) associated with the point bank), At this time, the point account (or financial account (or point account), etc. associated with the point account) is the minimum Gold in the amount as calculated by subtracting the amount corresponding to the point value that is credited to the account point (or a financial account (or accounts point), etc. associated with the passbook point) are treated as negative loan.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank book) issued to the financial product subscription customer through the point earning system shown in FIG. The amount corresponding to the accumulated point value is less than the minimum deposit amount included in the identified financial product information, and there is no negative banking function in the point account (or the financial account (or point account) associated with the point account). In this case, the server may confirm that the amount corresponding to the point value accumulated in the point account (or a financial account (or point account) associated with the point account) cannot be deposited into the financial product. Thereby, this invention is not limited.

If a negative loan for a point bank account (or a financial account (or point account) associated with the point bank account, etc.) is not confirmed (eg, issued to the financial product subscription customer through the point earning system shown in FIG. 1030, if the amount corresponding to the point value accumulated in the point bank account (or the financial account (or point account) associated with the point bank account) exceeds the minimum deposit amount included in the identified financial instrument information) (1030), The server is associated with the financial system, the amount corresponding to each point value from the point providing account of each point providing institution name corresponding to the point value accumulated to the customer (for example, the point account at each point providing institution Withdraw the amount corresponding to the point value earned to the issuing customer (1035), and linked with the financial system The woman said the withdrawal amount of the confirmed financial instrument (for example, financial instruments account to confirm the payment amount corresponding to the point value) and a payment processing (1040). After generating predetermined ledger information corresponding to the deposit processing of the amount with the financial product (1045), joining at least one financial product through the point book issuing system shown in the generated Figure 1 and / or Figure 3 The stored in the ledger corresponding to the point bankbook (or financial account (or point account) associated with the point bankbook, etc.) issued to the customer (1070).

On the other hand, if a negative loan is confirmed for a point account (or a financial account (or point account) associated with the point account, etc.) (for example, a point issued to the financial product subscription customer through the point earning system shown in FIG. The amount corresponding to the point value accumulated in the bank account (or the financial account (or point account) associated with the point bank account) is less than the minimum deposit amount included in the confirmed financial product information, and the point bank account (or the point) If a negative loan function is provided in a financial account (or a point account) associated with the bank account) (1030), the server checks a predetermined negative loan amount in connection with the financial system (1050).

According to the method of the present invention, the negative loan amount is based on the point value accumulated in the point bank account (or the financial account (or point account) associated with the point bank account) at the minimum deposit amount that can be deposited into the financial product. It is preferable to include the amount of money which deducted the corresponding amount of money.

Thereafter, the server withdraws the identified negative loan amount from the financial institution mother account in association with the financial system, and also from each point providing account of each point providing institution name corresponding to the point value accumulated to the customer. After withdrawing the amount corresponding to the point value (e.g., the amount corresponding to the point value accumulated by each point provider to the point bank issuing customer) (1055), each withdrawal amount in connection with the financial system Deposit money into the identified financial instrument (eg, the financial instrument account confirmed to deposit an amount corresponding to the point value), and calculate a predetermined interest rate corresponding to the negative loan (1060).

Thereafter, the server generates (1065) predetermined ledger information corresponding to the process of depositing the amount of money into the negative loan and the financial product, and generates the point bank account issuing system shown in the generated drawings 1 and / or 3 Through the stored in the ledger corresponding to the point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to at least one financial product subscription customer through (1070).

11 is a view showing the configuration of points earning system for investment in financial products according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates that when at least one or more points providing server 1100 accumulates a predetermined point to a customer who has issued at least one or more pointbooks through the pointbook issuer system shown in FIGS. 1 and / or 3, A system configuration for depositing and processing the amount corresponding to the point value to the point bank account (or a financial account (or point account) associated with the point bank account, etc.), having a general knowledge in the technical field to which the present invention belongs. Growing, it will be able to infer various implementation methods for the configuration of points earning system for investment in financial products by referring to and / or modifying this figure 11, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to this figure 11 according to the embodiment of the present invention, the point earning system for investment in financial products according to the present invention, at least one or more point passbook through the point passbook issuance system shown in Figure 1 and / or Figure 3 A point providing server 1100 provided in at least one or more point providing institutions for providing predetermined points to the issued customer, and a point bank account for accumulating point values provided to the point accounting issuing customer in the point providing server 1100; The bank account system (or point account) in which the linked financial account (or point account) is opened, and the point bank account (or the amount) corresponding to the point value provided to the point bank issuing customer by the point providing server 1100 in connection with the financial system. Points that are deposited into a financial account (or point account) associated with a point account It characterized in that the server comprises a lip (1105).

According to an embodiment of the present invention, the financial system preferably has a point providing account in the name of the point providing institution, and the point providing account is to be provided to at least one point book issuer at the point providing institution. It is preferable that a predetermined amount of money corresponding to the point value is deposited.

The financial system, which is equipped with a financial account (or point account) associated with the point account, includes an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window), and the headquarters business. At least provided in an information system for the processing of information processing and branch information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. Access to the financial system from one or more non-face-to-face financial means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), and / or at least one common network (e.g., CD common network) Characterized in that it comprises an external system that provides a variety of financial transaction interface through the financial common network) In addition, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (for example, required information for performing each function in a component in the financial system). , A ledger information, and / or customer information, and / or management information, etc.), and a DBMS (DataBase Management System) including at least one database for storing and managing the information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 500 for storing at least one ledger, wherein the ledger D / B 500 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 500 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the ledger D / B 500 provided on the financial system is a point passbook issued to at least one customer through the point passbook issuing system shown in Figure 1 and / or Figure 3 Or storing ledger information corresponding to a financial account (or a point account) associated with the point account.

In addition, the ledger D / B 500 provided on the financial system is characterized by storing the ledger information corresponding to the point providing account in the name of the point providing institution, corresponding to the point providing account of the point providing institution name The ledger information is preferably an amount corresponding to the point value to be provided / accumulated by the point provider to at least one point book issuing customer.

Referring to FIG. 11 according to an embodiment of the present invention, the financial system is a point accounting issuing system shown in FIGS. 1 and / or 3 by the point accumulation server 1105 in connection with the point accumulation server 1105. The amount corresponding to the point value provided by the point providing institution through a point account (or a financial account (or point account) associated with the point account) issued to at least one customer through It is preferable to have a point processing unit for withdrawing money from the point providing account of the deposit account (or a financial account (or point account, etc.) associated with the point account).

Here, it is preferable that the point processing unit is provided in the external system on the financial system, but the present invention is not limited thereto, and various modifications are made according to the intention of the person skilled in the art and / or the characteristics of the financial system. It is possible.

At least one or more point providing institutions that provide a predetermined point to a customer who has been issued at least one or more point book through the point book issuing system shown in FIG. 1 and / or FIG. At least one financial company that provides / establishes a predetermined point to the pointbook issuing customer according to the present invention, and / or at least provides / establishes a predetermined point to the pointbook issuing customer according to the card transaction performance of the pointbook issuer. At least one card company, and / or at least one or more distributors for providing / saving a predetermined point to the point bank issuing customer according to the purchase history of the point bank issuing customer.

Those skilled in the art can infer various point providing institutions that provide / establish at least one or more points to the point bank issuer in addition to the financial company and / or card company and / or distributor mentioned above. It will be apparent that the present invention includes all the point providing agencies inferred.

The point providing server 1100 is a component for providing / establishing at least one or more points to the point passbook issuing customer in the point providing institution, and calculates point information to be accumulated to the point passbook issuing customer, and predetermined communication The calculated point information and customer information is provided through the means to the point accumulation server 1105.

If a person having ordinary knowledge in the technical field to which the present invention belongs, the point providing server 1100 is matched with customer information (for example, customer ledger information) on the ledger D / B 500 provided in the financial system It will be clearly understood that it comprises at least one database with information, and it will also be clearly understood that the point providing server 1100 comprises at least one terminal and / or device rather than only a predetermined server. The present invention is not limited thereby.

Referring to FIG. 11, the point earning server 1105 receives an information receiving unit 1125 for receiving point information and customer information to be earned from a point providing server 1100 to a predetermined point book issuing customer through a predetermined communication means. And an information checking unit 1120 that checks whether the point system (or a financial account (or point account) associated with the point account) is matched with the received customer information in connection with the financial system. ) And a point bank account (or a financial account (or point account) associated with the point bank account) that matches the customer information, the amount corresponding to the point value included in the point information. Amount converted into an amount that can be deposited into the point account (or a financial account (or point account) associated with the point account) The conversion unit 1115 and the deposit processing unit 1110 which deposits the converted amount in connection with the financial system to the point bank account of the customer (or the financial account (or point account) associated with the point bank account). It is characterized by comprising.

The information receiving unit 1125 may be provided from the point providing server 1100 including at least one of the financial company server and / or the card company server and / or the distributor company server through a predetermined communication means (eg, a network or a dedicated communication network). Characterized by receiving the point information and customer information to be earned to the point passbook issuing customers, characterized in that to provide the received customer information to the information verification unit 1120.

According to the exemplary embodiment of the present invention, the point information is generally different from the point value, the point unit, and the face value included in each point information provided / established by the point providing server 1100 to the point bank issuer. to be.

For example, if the point unit of the point providing institution A is "a" and the point value is 1,000,000, the face value of the point corresponds to 100 won in cash, and the point unit of the point providing institution B is "b", the point If the value is 100, the face value of the point may correspond to 100 won in cash.

According to the embodiment of the present invention, the customer information preferably comprises at least one or more customer identification information matching the customer ledger provided in the ledger D / B (500) of the financial system.

For example, the customer information includes at least one or more of a social security number, and / or a customer information file (CIF) number, and / or a bank account number, and / or an account number of the customer who issued the point bank account included in the customer ledger. desirable.

The information checking unit 1120 checks whether the point system (or a financial account (or point account) associated with the point account) is matched with the received customer information in connection with the financial system. Thus, a predetermined point bankbook (or a financial account (or point account) associated with the point bankbook) is issued to the customer corresponding to the customer information through the point bank account issuing system shown in FIGS. 1 and / or 3. It is characterized by checking whether there is.

According to an exemplary embodiment of the present invention, the information checking unit 1120 searches the ledger D / B 500 provided in the financial system by using the customer identification information included in the received customer information as a keyword. It is preferable to check whether a predetermined point bank account (or a financial account (or point account) associated with the point bank account) is issued through the point bank account issuing system illustrated in FIGS. 1 and / or 3.

If it is confirmed that a predetermined point bank account (or a financial account (or point account) associated with the point bank account, etc.) has been issued to the customer corresponding to the customer information, the amount converting unit 1115 determines the customer information. And converting a point value included in each point information received with the amount corresponding to the face value.

If the point value included in the point information is converted into an amount that can be deposited into the point bank account (or a financial account (or point account) associated with the point bank account, etc.), the deposit processing unit 1110 may determine the financial system. The converted amount is withdrawn from a point providing account in the name of the point providing institution, and the deposit is processed into a point account of the customer (or a financial account (or point account) associated with the point account). .

According to the implementation method of the present invention, the deposit processing unit 1110 is withdrawn from the point providing account of the point providing institution name with the converted amount in connection with the financial system is linked to the point account of the customer (or the point bank account) Deposit the bank account (or point account), and generate corresponding ledger information (for example, bank account entry information) and store it in the point bank book ledger provided in the ledger D / B 500 on the financial system. It is preferable.

Referring to FIG. 11, the generated ledger information (for example, bankbook entry information) may include a face value corresponding to a point accumulated by the point provider to the customer in the point book (or finance associated with the point book). Ledger information to be deposited into an account (or point account), and thereby, when withdrawing a predetermined amount from the point account (or a financial account (or point account) associated with the point account), Withdrawal from the bank account (or financial account (or point account), etc. associated with the point bank account).

12 is a view showing a point earning method for investment in financial products according to another embodiment of the present invention.

In more detail, FIG. 12 shows at least one point account book issued by the at least one point providing server 1100 shown in FIG. 11 through the point account issuing system shown in FIGS. 1 and / or 3. In the technical field to which the present invention belongs, a process of depositing an amount corresponding to the point value in the point bank account (or a financial account (or point account) associated with the point bank account) when the predetermined point is accumulated. Those skilled in the art will be able to infer various implementation methods for the method of earning points for financial product investment by referring to and / or modifying the drawing 12, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method illustrated in FIG. 12.

Hereinafter, in FIG. 12, the point earning server 1105 shown in FIG. 11 is referred to as a “server” for convenience.

Referring to FIG. 12, the point providing server 1100 including at least one of a financial company server and / or a card company server and / or a distributor company shown in FIG. In operation 1205, the calculated point information and the customer information are transmitted to the server through a predetermined communication means.

According to the exemplary embodiment of the present invention, the point information is generally different from the point value, the point unit, and the face value included in each point information provided / established by the point providing server 1100 to the point bank issuer. to be.

For example, if the point unit of the point providing institution A is "a" and the point value is 1,000,000, the face value of the point corresponds to 100 won in cash, and the point unit of the point providing institution B is "b", the point If the value is 100, the face value of the point may correspond to 100 won in cash.

According to the embodiment of the present invention, the customer information preferably comprises at least one or more customer identification information matching the customer ledger provided in the ledger D / B (500) of the financial system.

For example, the customer information includes at least one or more of a social security number, and / or a customer information file (CIF) number, and / or a bank account number, and / or an account number of the customer who issued the point bank account included in the customer ledger. desirable.

Subsequently, the server receives the point information and the customer information transmitted from the point providing server 1100, reads the received customer information, and sends the received customer information to the customer corresponding to the customer information in FIGS. 1 and / or 3. It is checked whether a predetermined point passbook is issued through the illustrated point passbook issuing system (1210).

According to an embodiment of the present invention, the server searches the ledger D / B 500 provided in the financial system by using the customer identification information included in the received customer information as a keyword, thereby providing the customer with the drawings 1 and FIG. It is preferable to check whether a predetermined point account book (or a financial account (or point account) associated with the point account book) is issued through the point bank account issuing system shown in FIG. 3.

If the check result confirms that a predetermined point bank account (or a financial account (or point account) associated with the point bank account, etc.) has been issued to the customer corresponding to the customer information (1215), the server is connected with the customer information. The point book (or the point book) issued to the customer through the point book issuing system shown in FIG. 1 and / or FIG. In operation 1220, the amount is converted into a predetermined par value that can be deposited into a linked financial account (or a point account).

Thereafter, the server withdraws the converted amount from the point providing account under the name of the point providing institution, and deposits the processed money into a point account (or a financial account (or point account) associated with the point account) issued to the customer. (1225) responding to depositing an amount corresponding to the point value from the point providing account and depositing it into a point account (or a financial account (or point account) associated with the point account) issued to the customer Predetermined ledger information (eg, bank book entry information) is generated (1230), and the generated ledger information is stored in the point book ledger provided in the ledger D / B 500 on the financial system (1235).

According to an embodiment of the present invention, the generated ledger information (for example, bankbook entry information) may include a face value corresponding to a point accumulated by the point provider to the customer in the pointbook (or the pointbook). Ledger information that is deposited into a financial account (or point account, etc.), whereby the amount is withdrawn when a predetermined amount is withdrawn from the point account (or a financial account (or point account) associated with the point account). It is preferable to withdraw money from a point bank account (or a financial account (or point account) associated with the point bank account, etc.).

13 is a view showing a point bank operating system for managing the deposit and withdrawal of the point bank according to another embodiment of the present invention.

In more detail, in FIG. 13, a customer who subscribes to a financial product is provided with at least one point bank account (or a financial account (or a point account) associated with the point bank account through the point bank account issuing system shown in FIGS. 1 and / or 3. And the like), and an amount corresponding to a predetermined point value is deposited in the pointbook (or a financial account (or point account) associated with the pointbook) through the point accumulation system shown in FIG. In this case, with regard to the configuration of the point bank operating system that withdraws the deposited amount and processes the deposit into the financial product subscribed to by the customer, if the person having ordinary knowledge in the technical field to which the present invention pertains, see FIG. And / or modified to implement a variety of implementation methods for the configuration of the point account management system for managing the deposit and withdrawal of the point account Would be able, in the present invention are made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 13.

Referring to this drawing 13 according to the embodiment of the present invention, the point bank account management system for the deposit and withdrawal management of the point account, at least one or more financial products through the point account issuing system shown in Figure 1 and / or Figure 3 The point bank account (or the point bank account) through a financial system having a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to a subscribing customer, and the point credit system shown in FIG. And a point operation server 1300 which withdraws the amount corresponding to the point value deposited in the financial account (or point account) associated with the bank and deposits the money into a predetermined financial product subscribed to by the customer. According to the intention of the skilled person, the point bank account management system allows the customer to specify a predetermined financial transaction interface number. A is preferably made to the point account further comprises a financial transaction terminal 1320 requesting and processing a financial transaction on (or a financial account (or accounts point), etc. associated with the points account) over.

Finance having a point bank account (or a financial account (or point account) associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 The system includes an account system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or a window), an information system that processes the headquarters business, stores information support and customer information management, Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC) provided in at least one or more external communication networks. Chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one And an external system that provides various financial transaction interfaces through a common network (eg, a CD common network and a financial common network). The financial system further provides interfacing between components in the financial system. Interface module corresponding to the middleware platform, and predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to store and manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 500 for storing at least one ledger, wherein the ledger D / B 500 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 500 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the ledger D / B 500 provided on the financial system is a point passbook issued to at least one customer through the point passbook issuing system shown in Figure 1 and / or Figure 3 Or storing ledger information corresponding to a financial account (or a point account) associated with the point account.

In addition, the ledger D / B 500 provided on the financial system is characterized by storing the ledger information corresponding to the point providing account in the name of the point providing institution, corresponding to the point providing account of the point providing institution name The ledger information is preferably an amount corresponding to the point value to be provided / accumulated by the point provider to at least one point book issuing customer.

Referring to FIG. 13 according to an embodiment of the present invention, the financial system is a point accounting issuing system shown in FIGS. 1 and / or 3 by the point management server 1300 in connection with the point management server 1300. To deposit an amount corresponding to the point value deposited in a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to at least one customer through the financial instrument subscribed to the customer. It is preferable to provide a point processing unit.

Here, it is preferable that the point processing unit is provided in the external system on the financial system, but the present invention is not limited thereto, and various modifications are made according to the intention of the person skilled in the art and / or the characteristics of the financial system. It is possible.

The financial system performs a predetermined financial transaction by a financial transaction terminal 1320 connected through a predetermined financial transaction interface means, and the financial transaction terminal 1320 is a personal computer that provides Internet banking and / or online payment service. A predetermined wired terminal including at least one or more of a Personal Computer (PC) or a Notebook, and / or a Personal Communication System (PCS) or GSM (Global) that provides a wireless banking and / or wireless payment service. System for Mobile communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or smart phone or wireless data communication terminal or A wireless terminal including at least one portable internet terminal, and / or an automatic response service Or a call terminal including at least one wired or wireless voice call device for providing phone banking and / or phone payment service based on a call center, and / or a credit authorization terminal for providing an electronic payment service. Or a payment terminal including at least one contact (or contactless) IC card terminal, and / or a teller terminal provided in a financial institution for use by an employee, and / or an automatic teller machine (ATM) or cash. An unattended financial terminal including at least one Cash Dispenser (CD), and / or a consumer electronic terminal including a digital television (DTV) providing home banking and / or home payment services, and / or the customer A server provided in an amount paying institution (for example, a company in which a customer is in service) that pays the amount of money or a charge for a predetermined amount to the customer. A server (eg, a bank and a server performing firm banking corresponding to the customer) provided in a billing institution (for example, a credit card company, a communication company, a mobile carrier, a utility bill collecting institution including electricity / gas / water), or It is preferable to include a customer-side server including at least one server provided in a money management institution (eg, securities company, investment trust bank, commercial bank) for managing the customer's funds.

Here, the financial transaction interface means preferably comprises at least one of a face-to-face financial transaction channel, and / or a non-face-to-face financial transaction channel.

Referring to FIG. 13, the point management server 1300 is associated with a point bank account (or associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system illustrated in FIGS. 1 and / or 3. A deposit confirmation unit 1305 for confirming whether or not to deposit the amount deposited in the financial account (or the point account) of the customer into the financial instrument subscribed to by the customer, and to deposit the amount into the financial instrument subscribed to by the customer. If confirmed, the amount information to be deposited into the financial instrument subscribed to by the customer from a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to the financial product subscriber in connection with the financial system. And an information checking unit 1310 confirming at least one financial product information to which the amount is to be deposited, and in connection with the financial system. It is characterized in that it comprises a deposit processing unit 1315 for withdrawing the confirmed amount from the bank account (or a financial account (or point account) associated with the point bank account, etc.) and deposit the processed amount into the identified financial product.

The deposit confirmation unit 1305 is linked to the point account (or linked with the point passbook issued to the at least one or more financial product subscription customers through the point passbook issuing system shown in Figures 1 and / or 3 in connection with the financial system) It is characterized in that whether the amount of money deposited in the financial account (or point account, etc.) that has been deposited into the financial product subscribed to by the customer.

According to the exemplary embodiment of the present invention, the deposit confirmation unit 1305 checks whether the pointbook issuing customer processes at least one financial transaction through a predetermined financial transaction terminal 1320 and a financial transaction interface means. When it is confirmed that the financial transaction customer processes at least one financial transaction, the point bank account (or the point bank account) issued to the at least one financial product subscription customer through the point bank account issuing system shown in FIGS. 1 and / or 3 It is preferable to confirm that the amount deposited in the financial account (or point account, etc.) associated with the deposit is processed as a financial product subscribed to by the customer.

According to another exemplary embodiment of the present invention, the deposit confirmation unit 1305 is a point passbook issued to at least one financial product subscription customer through a point passbook issuing system shown in Figures 1 and / or 3 at regular intervals. It is preferable to confirm that the amount of money deposited in the financial account (or point account, etc.) associated with the point bank account is processed as a deposit with the financial product subscribed to by the customer.

According to another exemplary embodiment of the present invention, the deposit confirmation unit 1305 periodically checks at least through the point account issuing system shown in FIGS. 1 and / or 3 through the point earning system shown in FIG. Identify the amount deposited in the Point Passbook (or financial account (or point account) associated with the Point Passbook) issued to one or more financial product subscription customers, and the amount is the minimum deposit amount of the financial product subscribed to by the customer. In case of exceeding the above, a point bank account (or a financial account (or a point account) associated with the point bank book) issued to the at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 It is preferable to confirm that the amount deposited in) is deposited into the financial product subscribed to by the customer.

As a result of the checking, a point bank account (or a financial account (or point account) associated with the point bank account), etc. issued to at least one financial product subscription customer through the point bank account issuing system shown in FIGS. 1 and / or 3 When it is confirmed that the deposit is processed by the financial product subscribed to by the customer, the information checking unit 1310 is connected with the financial system to the point bank account (or the point bank account) issued to the financial product subscription customer. The amount of information to be deposited from the linked financial account (or point account), etc. to the financial product subscribed to by the customer, and at least one financial product information to which the amount is deposited is identified.

According to the method of the present invention, the information checking unit 1310 is connected to the financial system of the at least one or more financial products of the customer subscribed to the point bank account (or financial account (or point account associated with the point bank account) It is desirable to confirm the information of at least one financial product to withdraw money by withdrawing the amount deposited in).

Here, the at least one financial product subscribed to by the customer preferably includes at least one investment financial product subscribed by the customer for the purpose of return on investment, including free deposit and withdrawal deposit in the name of the customer.

Those skilled in the art to which the present invention pertains, since the customer will be familiar with at least one kind of financial products subscribed to, the detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the at least one financial product information checked by the information checking unit 1310 includes account information corresponding to the financial product to which the customer subscribes, and the minimum amount of money that can be deposited in the financial product. It is preferable to include the amount information.

According to the method of the present invention, the information checking unit 1310 is connected to the financial system from the point bank account (or financial account (or point account), etc. associated with the point bank account) issued to the customer of the financial product subscription It is preferable to confirm the amount of money that can be deposited into the identified financial product information (eg, an account corresponding to the financial product).

Amounts deposited into a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point earning system shown in FIG. 11 according to one embodiment of the present invention. When the minimum amount of money included in the confirmed financial product information is exceeded, the information checking unit 1310 may deposit the amount of money deposited in the point account (or a financial account (or point account) associated with the point account). It is desirable to confirm the amount to be deposited into the financial product.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or a point account) associated with the point bank book) issued to the financial product subscription customer through the point earning system shown in FIG. 11 is deposited. If the amount is less than the minimum deposit amount included in the confirmed financial product information, the information verification unit 1310 automatically converts the point bank account (or financial account (or point account) associated with the point bank account) into a negative bank account. It is preferable to convert, and confirm the minimum amount of money that can be deposited into the financial product as the amount to be deposited into the financial product from the point bank (or a financial account (or point account) associated with the point bank), At this time, the point bank account (or financial account (or point account) associated with the point bank account) is added to the minimum deposit amount. By the amount obtained by subtracting the amount of the deposit to the point account (or a financial account (or accounts point), etc. associated with the passbook point) are treated as negative loan.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point accumulation system shown in FIG. The amount deposited in the bank account is less than the minimum deposit amount included in the identified financial instrument information, and the point bank account (or a financial account (or point account) associated with the point bank account, etc.) does not have a negative bank account function; The verification unit 1310 may confirm that the amount deposited in the point bank account (or a financial account (or point account) associated with the point bank account, etc.) cannot be deposited into the financial product, thereby allowing the present invention. This is not limited.

The deposit processing unit 1315 may withdraw the amount of money confirmed to be deposited into a financial product subscribed to by the customer from a point bank account (or a financial account (or point account) associated with the point bank account, etc.) in connection with the financial system. Points issued to at least one financial product subscription customer through the point passbook issuing system shown in Figures 1 and / or 3 by generating deposit processing with the identified financial product, generating predetermined ledger information corresponding to the deposit processing And store in a ledger corresponding to a bank account (or a financial account (or a point account) associated with the point bank account).

Referring to FIG. 13, the amount deposited in the point account (or a financial account (or point account) associated with the point account) through the point earning system shown in FIG. 11 is provided by at least one point provider. When a certain point is accumulated to the customer, it is withdrawn from the point providing account in the name of the point providing institution and deposited (or deposited) into the point account (or a financial account (or point account) associated with the point account). Preferably, or periodically withdraws from the point providing account in the name of the point providing institution and deposits (or deposits) into the point account (or a financial account (or point account) associated with the point account) according to the intention of the person skilled in the art. Or when the amount corresponding to the point value exceeds a certain amount STE service is debited from the engine point name service account, it is possible that the payment (or deposit) to the point account (or a financial account (or accounts point), etc. associated with the points account).

As a result, the deposit processing unit 1315 transfers the identified amount of money that is deposited (or deposited) into the point account (or a financial account (or point account) associated with the point account) through the financial system. It is preferable to withdraw the money and process the deposit with the identified financial product.

Amounts deposited into a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point earning system shown in FIG. 11 according to one embodiment of the present invention. When the minimum deposit amount included in the identified financial product information is exceeded, the deposit processing unit 1315 points to the financial product subscription customer through the point earning system shown in FIG. 11 through the financial system. It is preferable to withdraw an amount of money deposited (or deposited) in a bank account (or a financial account (or point account) associated with the point account) and deposit the money into the financial product account.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or a point account) associated with the point bank book) issued to the financial product subscription customer through the point earning system shown in FIG. 11 is deposited. When the amount is less than the minimum deposit amount included in the confirmed financial product information, the deposit processing unit 1315 passes through the financial system to the point of interest issued to the financial product subscription customer through the point earning system shown in FIG. (Or deposit) the amount deposited (or deposited) in the financial account (or point account) associated with the point account, and deposit the amount into the financial product account, and the remaining amount is set in a predetermined financial institution mother account (for example, the point). Gold provided for the processing of negative loans of bank accounts (or financial accounts (or point accounts) associated with the point accounts) It is preferable to withdraw money from the financial institution account withdrawal from the institution account, wherein the amount withdrawn from the financial institution mother account and deposited into the financial product account is the financial account (or financial account associated with the point bank account (or Point account), etc.).

14 is a view showing a point bank operating method for the deposit and withdrawal management of the point bank according to an embodiment of the present invention.

In more detail, Figure 14 shows that a customer who subscribes to a certain financial product is provided with at least one point bank account (or a financial account (or point account associated with the point bank account) through the point bank account issuing system shown in FIGS. 1 and / or 3. And the like), and an amount corresponding to a predetermined point value is deposited in the pointbook (or a financial account (or point account) associated with the pointbook) through the point accumulation system shown in FIG. In this case, the customer subscribes the amount deposited in the point bank (or a financial account (or point account) associated with the point bank) in the point manager server 1300 on the point manager system shown in FIG. Point account management process for depositing into financial products, one of ordinary skill in the art to which the present invention belongs If it is possible to infer various implementation methods for the point bank operating process for the management of the deposit and withdrawal of the point bank account with reference to and / or modifying this drawing 14, the present invention comprises all the inferred method However, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 14, the point operation server 1300 shown in FIG. 13 is referred to as a "server" for convenience.

Referring to FIG. 14, the server may be connected to the financial system shown in FIG. 13 to provide at least one point account book issued to at least one financial product subscription customer through the point book issuing system shown in FIGS. 1 and / or 3. Or deposit from the financial account (or point account, etc.) associated with the point account through the point accounting system (or point account, etc., associated with the point account) through the point accumulation system shown in FIG. It is checked whether the deposit amount is processed as a financial product subscribed to by the customer (1400).

According to an exemplary embodiment of the present invention, the server checks whether the point bank account issuing customer processes at least one financial transaction through a predetermined financial transaction terminal 1320 and a financial transaction interface means, and the financial transaction customer at least When it is confirmed that one or more financial transactions are processed, a point bank account (or a financial account associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 (Or a point account), etc.), it is preferable to confirm that the amount of money deposited in the financial instrument subscribed to by the customer.

According to another embodiment of the present invention, the server is a point passbook (or the point passbook issued to at least one financial product subscription customer through a point passbook issuing system shown in the drawings 1 and / or 3 at regular intervals It is preferable to confirm that the amount deposited in the financial account (or point account, etc.) associated with the deposit is processed as a financial product subscribed to by the customer.

According to another exemplary embodiment of the present invention, the server periodically subscribes at least one or more financial products through the point account issuing system shown in FIGS. 1 and / or 3 through the point earning system shown in FIG. When the amount of money deposited in a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to the customer and the amount exceeds the minimum deposit amount of the financial product subscribed to the customer, The point bank account (or a financial account (or point account) associated with the point bank account) issued to at least one or more financial product subscription customers through the point bank account issuing system illustrated in FIGS. 1 and / or 3 is deposited. It is preferable to confirm that the amount is deposited into a financial instrument subscribed to by the customer.

If the check result is a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 From the point account (or a financial account (or point account) associated with the point bank account, etc.) issued to the customer through the point earning system shown in FIG. When it is confirmed that the deposit processing (1405), the server is associated with the financial system point bank account issued to the customer through the point earning system shown in Figure 11 (or financial account (or points associated with the point bank account) Account information, etc.) to confirm at least one or more financial product information to be deposited (1410), The amount of money to be deposited into the at least one or more financial products identified from the point bank account (or a financial account (or point account) associated with the point bank account, etc.) is identified (1415).

Here, the at least one financial product subscribed to by the customer preferably includes at least one investment financial product subscribed by the customer for the purpose of return on investment, including free deposit and withdrawal deposit in the name of the customer.

In addition, the identified at least one financial product information, it is preferable that the account information corresponding to the financial product subscribed to the customer and the minimum amount of money that can be deposited in the financial product.

If the amount of money to be deposited from the point bank account (or a financial account (or point account) associated with the point bank account, etc.) to the at least one identified financial product is confirmed (1420), the server may deposit money into the financial product. For a point book (or a financial account (or point account) associated with the point book) issued to the customer of the financial product through the point book issuing system shown in FIGS. 1 and / or 3 corresponding to the amount Check whether the loan is negative (1425).

According to an exemplary embodiment of the present invention, a point bank account (or a financial account (or a point account) associated with the point bank book) issued to the financial product subscription customer is deposited through the point earning system shown in FIG. If the amount exceeds the minimum deposit amount included in the confirmed financial product information, the server checks the amount deposited in the point account (or a financial account (or point account) associated with the point account). It is advisable to confirm the amount to be deposited into the product.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer is deposited through the point earning system shown in FIG. If the amount is less than the minimum deposit amount included in the confirmed financial product information, the server automatically converts the point bank account (or financial account (or point account) associated with the point bank account) into a negative bank account, and It is preferable to check the minimum amount of money that can be deposited into the financial instrument as the amount to be deposited into the financial instrument from the point bank account (or a financial account (or point account) associated with the point bank account, etc.), wherein the point A bank account (or financial account (or point account) associated with the point account) will be deducted from the minimum deposit amount. As calculated by subtracting the amount that is deposited in the account point (or the point a financial account associated with the account (or the points account), etc.) are treated as negative loan.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer through the point accumulation system shown in FIG. If the amount deposited in the bank account is less than the minimum deposit amount included in the confirmed financial product information, and the point bank account (or a financial account (or point account) associated with the point bank account, etc.) does not have a negative bank account function, The server may confirm that the amount deposited in the point account (or a financial account (or point account) associated with the point account, etc.) cannot be deposited into the financial product, and thus the present invention is not limited thereto. No.

If a negative loan for the point bank account (or a financial account (or point account) associated with the point bank account, etc.) is not confirmed (for example, issued to the financial product subscription customer through the point earning system shown in FIG. If the amount of money deposited in the point bank account (or a financial account (or point account) associated with the point bank account, etc.) exceeds the minimum deposit amount included in the confirmed financial product information (1430), the server Withdraw the amount deposited in the point bank account (or a financial account (or point account), etc. linked with the point bank account, etc.) in connection with the financial system (1435) and recall the amount withdrawn in connection with the financial system. Deposit (1440) a confirmed financial instrument (e.g., a financial instrument account confirmed to deposit the amount). After generating predetermined ledger information corresponding to the deposit processing of the amount with the financial product (1445), joining at least one or more financial products through the point bank account issuing system shown in the generated Figures 1 and / or 3 1470 is stored in the ledger corresponding to the point bank account (or financial account (or point account) associated with the point bank account) issued to the customer.

On the other hand, if a negative loan for the point bank account (or a financial account (or point account) associated with the point bank account, etc.) is confirmed (eg, issued to the financial product subscription customer through the point earning system shown in FIG. The amount deposited in a point bank account (or a financial account (or point account) associated with the point bank account, etc.) is less than the minimum deposit amount included in the confirmed financial product information, and is linked to the point bank account (or the point bank account). (1430), the server checks a predetermined negative loan amount in connection with the financial system (1450).

According to the method of the present invention, the negative loan amount is the amount of money deposited in the point bank account (or financial account (or point account) associated with the point bank account, etc.) from the minimum deposit amount that can be deposited into the financial product. It is preferable to include one amount.

Thereafter, the server withdraws the confirmed negative loan amount from the financial institution mother account in association with the financial system, and also the point bank account (or financial account (or point account) associated with the point bank account) issued to the customer. After withdrawing the amount deposited in the 1455, and depositing each withdrawn amount into the identified financial instrument (e.g., the financial instrument account confirmed to deposit the amount) in connection with the financial system. In operation 1460, a predetermined interest rate corresponding to the negative loan is calculated.

Thereafter, the server generates predetermined ledger information corresponding to the process of depositing the amount of money into the negative loan and the financial product (1465), and the point book issuing system shown in the generated drawings 1 and / or 3 Through 1470 is stored in the ledger corresponding to the point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to at least one financial product subscription customer through.

15 is a view showing a point bank operating method for deposit and withdrawal management of the point bank according to another embodiment of the present invention.

In more detail, FIG. 15 shows that a customer who subscribes to a financial product through at least one point bank account (or a bank account associated with the point bank account) through a point bank account issuing system shown in FIGS. 1 and / or 3. And the like), and an amount corresponding to a predetermined point value is deposited in the pointbook (or a financial account (or point account) associated with the pointbook) through the point accumulation system shown in FIG. In this case, the amount corresponding to the point value accumulated in the point bank account (or a financial account (or point account) associated with the point bank account) in the financial transaction terminal 1320 on the point operation system illustrated in FIG. As the present invention relates to a point bank account operation process for requesting a deposit process to a financial product subscribed to by the customer, the present invention Those skilled in the art may refer to and / or modify this drawing 15 to infer various implementation methods for the point bank operating process for managing the deposit and withdrawal of the point bank. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 15, the point management server 1300 shown in Figure 13 is referred to as "server" for convenience.

Referring to FIG. 15, the server uses the predetermined financial transaction interface means in the financial transaction terminal 1320 shown in FIG. 13 to perform the point bank account (or a financial account (or point account) associated with the point bank account). Check whether the deposit is requested to be processed as a financial product subscribed to the customer (1500).

If the check result is a point bank account (or a financial account (or point account) associated with the point bank account, etc.) issued to at least one or more financial product subscription customers through the point bank account issuing system shown in FIGS. 1 and / or 3 From the point bank account (or a financial account (or point account), etc. associated with the point bank account) issued to the customer through the point earning system shown in FIG. If it is confirmed that the request for the deposit processing (1505), the server is linked to the financial system through the point accounting system issued to the customer through the point earning system shown in Figure 11 (or a financial account associated with the point account (or Check the information on at least one financial product to be deposited And 1510, the account points to determine the amount to be credited to the identified at least one financial product from (or the points in the financial account associated with the account (or accounts points), etc.) (1515).

Here, the at least one financial product subscribed to by the customer preferably includes at least one investment financial product subscribed by the customer for the purpose of return on investment, including free deposit and withdrawal deposit in the name of the customer.

In addition, the identified at least one financial product information, it is preferable that the account information corresponding to the financial product subscribed to the customer and the minimum amount of money that can be deposited in the financial product.

If the amount of money to be deposited from the point bank account (or a financial account (or point account) associated with the point bank account, etc.) to the at least one identified financial product is confirmed (1520), the server may deposit money into the financial product. For a point book (or a financial account (or point account) associated with the point book) issued to the customer of the financial product through the point book issuing system shown in FIGS. 1 and / or 3 corresponding to the amount Check whether the loan is negative (1525).

According to an exemplary embodiment of the present invention, a point bank account (or a financial account (or a point account) associated with the point bank book) issued to the financial product subscription customer is deposited through the point earning system shown in FIG. If the amount exceeds the minimum deposit amount included in the confirmed financial product information, the server checks the amount deposited in the point account (or a financial account (or point account) associated with the point account). It is advisable to confirm the amount to be deposited into the product.

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank account) issued to the financial product subscription customer is deposited through the point earning system shown in FIG. If the amount is less than the minimum deposit amount included in the confirmed financial product information, the server automatically converts the point bank account (or financial account (or point account) associated with the point bank account) into a negative bank account, and It is preferable to check the minimum amount of money that can be deposited into the financial instrument as the amount to be deposited into the financial instrument from the point bank account (or a financial account (or point account) associated with the point bank account, etc.), wherein the point A bank account (or financial account (or point account) associated with the point account) will be deducted from the minimum deposit amount. It is treated as a negative loan by deducting the amount deposited in the point bank account (or a financial account (or point account) associated with the point bank account).

According to another exemplary embodiment of the present invention, a point bank account (or a financial account (or point account) associated with the point bank book) issued to the financial product subscription customer through the point earning system shown in FIG. If the amount deposited is less than the minimum deposit amount included in the identified financial product information, and the point bank account (or a financial account (or point account) associated with the point bank account, etc.) does not have a negative bank account function, the server It is possible to confirm that the amount deposited in the point account (or a financial account (or point account), etc. associated with the point account) cannot be deposited into the financial product, and thus the present invention is not limited thereto. .

If a negative loan for the point bank account (or a financial account (or point account) associated with the point bank account, etc.) is not confirmed (for example, issued to the financial product subscription customer through the point earning system shown in FIG. If the amount of money deposited in the point bank account (or a financial account (or point account) associated with the point bank account, etc.) exceeds the minimum deposit amount included in the confirmed financial product information (1530), the server Withdraw the amount deposited in the point bank account (or a financial account (or point account), etc. linked with the point bank account, etc.) in connection with the financial system (1535), and recall the amount withdrawn in connection with the financial system. Deposit 1540 into the identified financial instrument (eg, the financial instrument account identified to deposit the amount). After generating predetermined ledger information corresponding to the deposit processing of the amount with the financial product (1545), joining at least one financial product through the point book issuing system shown in the generated Figure 1 and / or 3 1570 is stored in the ledger corresponding to the point bankbook (or financial account (or point account) associated with the point bankbook) issued to the customer (1570).

On the other hand, if a negative loan for the point bank account (or a financial account (or point account) associated with the point bank account, etc.) is confirmed (eg, issued to the financial product subscription customer through the point earning system shown in FIG. The amount deposited in a point bank account (or a financial account (or point account) associated with the point bank account, etc.) is less than the minimum deposit amount included in the confirmed financial product information, and is linked to the point bank account (or the point bank account). (1530), the server checks a predetermined negative loan amount in connection with the financial system (1550).

According to the method of the present invention, the negative loan amount is the amount of money deposited in the point bank account (or the financial account (or point account) associated with the point bank account, etc.) from the minimum deposit amount that can be deposited into the financial product. It is preferable to include one amount.

Thereafter, the server withdraws the confirmed negative loan amount from the financial institution mother account in association with the financial system, and also the point bank account (or financial account (or point account) associated with the point bank account) issued to the customer. After withdrawing the amount deposited in the 1555, and depositing each withdrawn amount into the identified financial instrument (e.g., the financial instrument account confirmed to deposit the amount) in connection with the financial system. In operation 1560, a predetermined interest rate corresponding to the negative loan is calculated.

Thereafter, the server generates predetermined ledger information corresponding to the process of depositing the amount of money into the negative loan and the financial product (1565), and the point book issuing system shown in the generated drawings 1 and / or 3 Through 1570 is stored in the ledger corresponding to the point bank account (or financial account (or point account) associated with the point bank account) issued to the at least one financial product subscription customer through the (1570).

According to the present invention, a predetermined point bank account (or a financial account (or point account) associated with the point bank account, etc.) is issued to a predetermined financial product subscription customer, and the bank account associated with the point bank account (or the bank account associated with the point bank account) is provided. After depositing a point value (or an amount corresponding to the point value) accumulated by the at least one point provider to the financial instrument subscription customer in an account (or a point account, etc.), an amount corresponding to the deposited point value is obtained. By depositing the financial product subscribed to the customer, the customer directly feels the benefit (or value) of points earned by the at least one or more points providing institutions to the financial product subscribed customer, as well as investing through the points. There is an advantage to making a profit.

According to the present invention, a point provider which accumulates a predetermined point to a predetermined financial product subscription customer has an advantage of periodically exhausting potential debt corresponding to the point.

According to the present invention, a financial institution that issues a predetermined point bank account (or a financial account (or point account) associated with the point bank account, etc.) to a predetermined financial product subscription customer is provided with the financial product at least one or more point providing institutions. There is an advantage of securing the amount corresponding to the value of the points accumulated to the subscribers as investment reserves.

Claims (11)

Bank account issuing determination means for checking whether the customer has registered with the bank matching sales product and determining whether the customer can issue the specific bank account according to whether or not the customer has registered a bank account; In response to the determination of the bankbook issuance determining means, when a specific bankbook is issued to the customer, information storage means for linking the issued bankbook information and bank matching sales product information subscribed to by the customer and storing the bankbook on a predetermined storage medium. ; And When a withdrawal request is made through a specific bankbook issued to the customer, the bank matching sales product information associated with the specific bankbook is checked in connection with the storage medium (or storage medium operating means), and the value withdrawn through the specific bankbook. Bank account management means for determining whether the deposit target is matched with the identified bank matching sales products, the bank account management means for approving or disapproving the withdrawal request through the specific bank account. Bank account issuing determination means for checking whether the customer is a member of a specific financial product when issuing a specific bank account, and determining whether the specific bank account can be issued to the customer according to whether to join the bank account; In response to the determination of the bankbook issuance determining means, when a specific bankbook is issued to the customer, information storage means for linking the issued bankbook information and the specific financial product information subscribed to by the customer to store in a predetermined storage medium. ; And When a withdrawal request is made through a specific bankbook issued to the customer, in connection with the storage medium (or storage medium operating means), the specific financial product information associated with the specific bankbook is checked, and the value of the withdrawal through the specific bankbook Bank account management means for determining whether or not the deposit target is matched with the identified specific financial products to approve or disapprove the withdrawal request through the particular bank account. The bank account management means of claim 1, If the specific passbook is a point passbook, Collecting a plurality of individual points of the customer from each of the point providing institutions, the bank account issuing and management system, characterized in that the deposit processing to the issued specific bank account. The bank account management means of claim 1, Collecting a plurality of individual points of the customer for a certain period of time, such as monthly or quarterly, and then deposit the processing on the issued specific bank account. The bank account management means of claim 1, If the specific passbook is a point passbook, Calculate the interest rate for the points (or cash exchanged points) deposited in the specific account, and when the interest occurs according to the calculated interest rate, the bank account issuance and management system, characterized in that for depositing the generated interest in the specific account . The bank account management means of claim 1, If the specific passbook is a point passbook, Bank account issuance and management system, characterized in that the deposit processing after the exchange of points to be deposited in the specific bank account in cash. The bank account management means of claim 1, Passbook issuance and management system, characterized in that to give the (-) bankbook function to the specific bankbook. delete Confirming whether or not the customer has subscribed to a specific financial product, and determining whether to issue the specific bankbook to the customer according to whether to join the bank account to the customer in a predetermined bankbook issuance determining unit; In response to the determination, in a predetermined information storage means, when a specific bankbook is issued to the customer, the specific bankbook information and the specific financial product information subscribed to by the customer are linked and stored in a predetermined storage medium; And When a withdrawal request is made through a specific bankbook issued to the customer, the predetermined bankbook management unit checks the specific financial product information associated with the specific bankbook in connection with the storage medium (or storage medium operating unit), and the specific bankbook Approving or disapproving the withdrawal request through the specific bankbook by determining whether the deposit target of the amount to be withdrawn through the identified specific financial products, and the bank account issuance and management method comprising the . Passbook issuance step for issuing a predetermined point passbook for storing points to the customer; A point collecting means for collecting a plurality of individual points of the customer by a period such as monthly or quarterly; And And passbook management means for depositing the collected points or cash corresponding to the points into the issued point bankbook. The method of claim 10, wherein the bankbook management means, When requesting the withdrawal through the point account issued to the customer, it is determined whether or not the deposit target of the value withdrawn through the point account corresponds to a predetermined financial product to approve or disapprove the withdrawal request through the point account. Bank account management server characterized in that.

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