KR100874356B1 - Option transaction relay processing method and system and recording medium therefor - Google Patents

Abstract

The present invention relates to an option transaction relay processing method and system and a recording medium therefor. The option transaction relay processing method according to the present invention comprises a plurality of virtual accounts having an option account of an option transaction relay service provider in an option account operating means. Assigning an account to a plurality of customers participating in an option transaction, depositing an amount deposited into the plurality of virtual accounts in an option account of the option transaction relay service provider, and transmitting the option transaction relay service in a predetermined information storage means; By interlinking the option account information of the provider, the plurality of customers information deposited in the option account, the virtual account information allocated to the plurality of customers and the amount information deposited in the option account through the virtual accounts, Storing the data in a storage medium of the storage medium; Performing an option transaction using the amount deposited in the option account of the Sean transaction relay service provider; and when the transaction target option expires, confirms whether a profit is generated according to the option transaction by a predetermined profit processing means, and confirms the result. When the profit is generated, in association with the storage medium (or storage medium operating means), the information is processed in connection with the option account information and assigned to the plurality of customers information and the plurality of customers who deposited the amount in the option account by checking the previously stored information The amount of money deposited in the option account is confirmed through the virtual account information and the virtual accounts, and based on the identified information, the generated profit is distributed to correspond to the amount deposited by the plurality of customers. Thereafter, respectively depositing the distributed proceeds into the virtual accounts of the customers.

Description

System and Method for Relaying Options Transaction and Program Recording Medium}

1 is a diagram illustrating a face-to-face information registration system for option investment through a small investment integrated operation for each customer according to an embodiment of the present invention.

Figure 2 illustrates the composition of the investment application (or consent) information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the option investment through the integration of small investments per customer according to an embodiment of the present invention Drawing.

Figure 3 is an investment application (or agreement) stored in the database associated with the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for option investment through the integration of small investments per customer according to another embodiment of the present invention It is a figure which shows an information structure.

FIG. 4 is a diagram illustrating an investment application (or agreement) information structure stored in a DBMS provided in a banking server in an face-to-face manner for option investment through integrated micro-investment for each customer according to another embodiment of the present invention.

5A and 5B illustrate a process of registering investment application (or agreement) information in a face-to-face manner according to an embodiment of the present invention.

6A and 6B illustrate a process of registering investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face information registration system for option investment through integrated micro-investment investment for each customer according to another embodiment of the present invention.

9 is a diagram showing the configuration of the investment application (or agreement) information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the option investment through the customer-specific small investment integrated operation according to an embodiment of the present invention One drawing.

10 is an investment application (or agreement) stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the option investment through the customer-specific small investment integrated operation according to another embodiment of the present invention Fig. 1 shows the information structure.

FIG. 11 is a diagram illustrating an investment application (or agreement) information structure stored in a DBMS provided in a banking server in a non-face-to-face manner for option investment through integrated small investment investment for each customer according to another embodiment of the present invention. .

12A and 12B illustrate a process of registering investment application (or agreement) information in a non-face-to-face manner for option investment through integrated micro-investment management for each customer according to one embodiment of the present invention.

13A, 13B, and 13C illustrate a process of registering investment application (or agreement) information through a non-face-to-face financial transaction channel for option investment through integrated small investment investment for each customer according to one embodiment of the present invention. Drawing.

FIG. 14 is a diagram illustrating an investment deposit system configuration for option investment through a small investment integrated operation for each customer according to an exemplary embodiment of the present invention.

FIG. 15 illustrates a process of depositing an investment for option investment through a small investment integrated operation for each customer according to an exemplary embodiment of the present invention. FIG.

16 is a diagram illustrating a face-to-face information registration system for option trading using a customer investment according to an embodiment of the present invention.

17 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

18 is a diagram illustrating a non-face-to-face information registration system for option trading using customer investment according to another embodiment of the present invention.

19 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to an embodiment of the present invention.

20A and 20B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to another exemplary embodiment of the present invention.

21 is a diagram showing the configuration of an option trading system using a customer investment according to an embodiment of the present invention.

22 is a diagram illustrating an option transaction process using a customer investment according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating an option transaction process using a customer investment according to another embodiment of the present invention.

24 is a diagram illustrating a settlement process of option revenue using a customer investment according to one embodiment of the present invention.

FIG. 25 is a diagram illustrating an investment deposit system configuration for option investment through integrated micro-investment investment for each customer according to another exemplary embodiment of the present invention.

FIG. 26 illustrates a process of depositing an investment for option investment through integrated micro-investment investment for each customer according to another exemplary embodiment of the present invention.

FIG. 27 is a diagram illustrating a face-to-face information registration system for option trading using a customer investment according to one embodiment of the present invention.

28 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

29 is a diagram illustrating a non-face-to-face information registration system for option transaction of a pre-approval method using a customer investment according to another embodiment of the present invention.

30 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to one embodiment of the present invention.

31A and 31B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to another exemplary embodiment of the present invention.

32 is a diagram showing the configuration of an option trading system using a customer investment according to another embodiment of the present invention.

33 is a diagram illustrating an option transaction process using a customer investment according to an embodiment of the present invention.

34 is a diagram illustrating an option transaction process using a customer investment according to another embodiment of the present invention.

35 is a diagram illustrating a settlement process of option revenue using a customer investment according to one embodiment of the present invention.

36 is a diagram illustrating a face-to-face information registration system for option investment using customer points according to one embodiment of the present invention.

FIG. 37 is a diagram illustrating a point investment application (or agreement) information structure stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for option investment using customer points according to one embodiment of the present invention.

38 is a diagram illustrating the configuration of point investment application (or agreement) information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for option investment using customer points according to another embodiment of the present invention. Figure is shown.

FIG. 39 is a diagram illustrating a point investment application (or agreement) information structure stored in a DBMS provided in a banking server in a face-to-face manner for option investment using a customer point according to another embodiment of the present invention.

40A and 40B illustrate a process of registering point investment application (or agreement) information in a face-to-face manner according to one embodiment of the present invention.

41A and 41B illustrate a process of registering point investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

42A and 42B illustrate a process of registering point investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 43 illustrates a non-face-to-face information registration system for option investment using customer points according to another embodiment of the present invention.

44 is a view showing the configuration of the point investment application (or consent) information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for option investment using customer points in accordance with an embodiment of the present invention .

45 is a point investment application (or agreement) information is stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for option investment using the customer point in accordance with another embodiment of the present invention Figure is a diagram.

FIG. 46 is a diagram illustrating a point investment application (or agreement) information structure stored in a DBMS provided in a banking server in a non-face-to-face manner for option investment using customer points according to another embodiment of the present invention.

47A and 47B illustrate a process of registering point investment application (or agreement) information in a non-face-to-face manner for option investment using customer points according to one embodiment of the present invention.

48A, 48B, and 48C illustrate a process of registering point investment application (or agreement) information through a non-face-to-face financial transaction channel for option investment using customer points according to one embodiment of the present invention.

49 is a diagram illustrating a point exchange system configuration for option investment in a pre-approval method using customer points according to an embodiment of the present invention.

50 is a diagram illustrating a point exchange process for option investment in a pre-approval method using customer points according to an embodiment of the present invention.

FIG. 51 is a diagram illustrating a face-to-face information registration system for option transaction of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

52 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

FIG. 53 is a diagram illustrating a non-face-to-face information registration system for option transaction of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

54 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to one embodiment of the present invention.

55A and 55B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another exemplary embodiment of the present invention.

56 is a diagram showing the configuration of an option transaction system of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

57 is a diagram illustrating an option transaction process of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

58 is a diagram illustrating a option transaction process of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

FIG. 59 is a diagram illustrating a settlement process of option revenue of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

60 is a diagram illustrating a point exchange system configuration for option investment of a pre-approval method using customer points according to another embodiment of the present invention.

61 is a flowchart illustrating a point exchange process for option investment using customer points according to another embodiment of the present invention.

FIG. 62 is a diagram illustrating a face-to-face information registration system for an option transaction of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

63 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

64 is a diagram illustrating a non-face-to-face information registration system for option transaction of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

65 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to an embodiment of the present invention.

66A and 66B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another exemplary embodiment of the present invention.

FIG. 67 is a diagram illustrating an option transaction system configuration using a pre-approval method using a point exchange amount according to another exemplary embodiment of the present invention.

68 is a diagram illustrating an option transaction process of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

69 is a diagram illustrating a option transaction process of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

70 is a diagram illustrating a settlement process of option revenue of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

71 is a diagram illustrating a point exchange system configuration of a post-approval method for option investment using customer points according to an embodiment of the present invention.

72 is a view illustrating a point exchange process for option investment in a post approval method using customer points according to an embodiment of the present invention.

73 is a diagram illustrating a face-to-face information registration system for an option transaction of a post-approval method using a point exchange amount according to an embodiment of the present invention.

74 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

75 is a diagram illustrating a non-face-to-face information registration system for an option transaction of a post-approval method using a point exchange amount according to another embodiment of the present invention.

76 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to one embodiment of the present invention.

77A and 77B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another exemplary embodiment of the present invention.

78 is a diagram illustrating a configuration of an option transaction system of a post approval method using a point exchange amount according to an exemplary embodiment of the present invention.

79 is a diagram illustrating an option transaction process of a post approval method using a point exchange amount according to an embodiment of the present invention.

80 is a diagram illustrating an option transaction process of a post-approval method using a point exchange amount according to another embodiment of the present invention.

81 is a diagram illustrating a settlement process of an option revenue of a post approval method using a point exchange amount according to an embodiment of the present invention.

82 is a diagram illustrating a point exchange system configuration of a post-approval method for option investment using customer points according to another embodiment of the present invention.

83 is a diagram illustrating a point exchange process for option investment of a post approval method using customer points according to another embodiment of the present invention.

84 is a diagram illustrating a face-to-face information registration system for an option transaction of a post approval method using a point exchange amount according to an embodiment of the present invention.

85 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

86 is a diagram illustrating a non-face-to-face information registration system for an option transaction of a post-approval method using a point exchange amount according to another embodiment of the present invention.

87 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to one embodiment of the present invention.

88A and 88B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another embodiment of the present invention.

89 is a diagram showing the option transaction system configuration of the post-approval method using the point exchange amount according to another embodiment of the present invention.

90 is a diagram illustrating an option transaction process of a post approval method using a point exchange amount according to an exemplary embodiment of the present invention.

91 is a diagram illustrating an option transaction process of a post-approval method using a point exchange amount according to another embodiment of the present invention.

92 is a diagram illustrating a settlement process of an option profit of a post-approval method using a point exchange amount according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

4900: point exchange server 4905: point exchange unit

4910: virtual account opening unit 4915: currency exchange calculator

4920: Point checker 4925: Information checker

4930: Storage media

The present invention relates to an option transaction relay processing method and system that allows a customer to invest in an option even by making a small investment by integrating a plurality of small investments for each customer and depositing them for an option investment (or an option transaction).

In order to increase customer loyalty, financial institutions (or point earning institutions) accumulate mileage points according to the financial transactions of at least one financial transaction customer.

On the other hand, since the mileage points accumulated to the customer as described above corresponds to potential liabilities from the point of view of the financial institution (or point earning institution) that accumulates the points, if the mileage points accumulated to the customer exceed a certain size, the financial It includes the problem of adding debt burdens to institutions (or point earning institutions).

Accordingly, most financial institutions (or point earning institutions) use various marketing methods for the customer to consume the mileage points as soon as possible, but there is no method that achieves the expected effect.

There is an option in the financial products sold to (or encouraged to join) by the financial institution.

The above options are for trading contracts that buy or sell the right to sell or buy certain assets at a specific point in time or at a future date at a predetermined price (strike price). It is divided into Call Option which is granted right and Put Option which is granted right to sell.

Herein, the types of options are largely divided into financial options and commodity options, and the financial options are non-stock options such as stock options and recently commodified index options, currency options, interest rate options, and futures options. Nonstock Option).

Since the option is a kind of trading right, it is possible to trade a single contract for a small amount (eg, thousands to tens of thousands) depending on the characteristics of each contract. However, in some cases, there is a characteristic that can generate a profit even if the share price falls, there is a feature that can generate a large amount of profit even in a small amount in accordance with the rise / fall width of the share price.

An object of the present invention for solving the above problems is to deposit cash provided by a plurality of customers or cash exchanged points held by a plurality of customers in the option account of the option transaction relay service provider, the option transaction relay service provider The option account information of the customer, the information of the plurality of customers who have deposited the amount in the option account and the amount of money information deposited by the plurality of customers in the option account are stored in a predetermined storage medium, and the option transaction relay service provider Option trading is carried out using the amount deposited in the option account of the, and when the transaction targets the expiration of the option, check whether or not the revenue generated according to the option transaction, when the check result is generated, the storage medium (or storage medium operating means) In connection with the option, the option account information is processed in conjunction with the option account through the pre-stored information check Confirm the information of the plurality of customers who have deposited the money and the amount of money that the plurality of customers have deposited in the option account, and based on the identified information, the generated profit corresponds to the amount of money deposited by the plurality of customers After distributing as much as possible, it is to provide an option transaction relay processing system and method for refunding the distributed proceeds to the customers.

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 easy to understand the functions 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 face-to-face information registration system for option investment through a small investment integrated operation for each customer according to an embodiment of the present invention.

In more detail, Figure 1 shows an investment application (or agreement) in which a given customer includes at least one of customer information, customer investment information, and an option transaction application (or agreement) information for option investment through integrated micro-investment for each customer. When a document is prepared and submitted, the predetermined window terminal 175 acquires predetermined image contents corresponding to the investment application (or agreement) through a predetermined image acquisition device, and registers information through a predetermined information registration interface. When the system provides the investment application (or agreement) information corresponding to the investment application (or agreement) and the image content obtained from the investment application (or agreement), a predetermined investment application including the image content ( Or consent) generate the electronic document and store it in a predetermined electronic document repository and include the information contained in the investment application (or consent) information. This is a system configuration in which customer information, customer investment information, and option transaction application (or consent) information are processed and stored in a predetermined storage medium 170. Specifically, at least one small investment amount per customer is added to at least one option. It is about how to invest in face-to-face approval.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 1 to infer various implementation methods for the construction of an information registration system for option investment through integrated micro-investment for each customer. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, in FIG. 1, the electronic document repository may be inferred from the implementation method provided in the DBMS located in the information registration system. However, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implementation method.

In addition, in FIG. 1, an investment application (or agreement) electronic document corresponding to the investment application (or agreement) is illustrated as being generated on the server side on the information registration system, but the present invention is limited thereto. Never, the investment application (or agreement) electronic document may be generated at a terminal that has acquired image content corresponding to the investment application (or agreement) through a predetermined image acquisition device (eg, provided at the server side). The electronic document generation function is provided on the terminal side to generate the investment application (or agreement) electronic document), whereby the present invention is not limited.

Further, according to another embodiment of the present invention, the investment registration (or agreement) electronic document may not be generated in the information registration system shown in FIG. 6 according to the intention of the person skilled in the art, and the present invention is not limited thereto. .

Hereinafter, the investment application (or consent) information and image contents corresponding to the investment application (or agreement) written by the customer are provided through a predetermined information registration interface on the information registration system shown in FIG. (Or consent) A configuration corresponding to at least one or more means and / or functional configurations for generating an electronic document and storing it in a predetermined electronic document repository and storing the investment application (or consent) information in a predetermined storage medium 170. The element is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for option investment through integrated micro-investment operation for each customer includes a counter terminal 175 provided in at least one financial institution branch (or branch). Characterized in that it comprises an information registration terminal 180, the information registration terminal 180 is a communication channel with the information registration server 100 provided on the information registration system through a predetermined financial network Connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for option investment through the integrated small investment investment for each customer, and through a window provided at the financial institution branch branch (branch branch) ( Or through a clerk at least one information item for option investment through a predetermined investment application (or agreement) for option investment through the integrated integrated micro-investment operation of the customer (e.g. A document with a form for filling out), wherein the customer is required to seal the customer's seal for the legal basis for the investment application (or consent).

Thereafter, when the customer submits the completed investment application (or agreement) to the counter employee, the counter employee acquires predetermined image content by scanning the investment application (or agreement) through a predetermined image acquisition device, Image contents acquired in response to the investment application (or agreement) through the contact terminal 175 of the customer information and customer investment information and option transaction application (or agreement) written in the investment application (or agreement) Enter (or select) investment application (or consent) information including at least one information, and correspondingly, the counter terminal 175 transmits the image content and the investment application (or consent) information through the financial network. It is preferable to transmit to the information registration server 100 provided on the information registration system.

Here, the window terminal 175 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 175 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 175 and the information registration server 100 is connected to the window terminal 175 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the information registration system as described above, an image acquisition device for acquiring image contents corresponding to an investment application (or agreement) written by the customer, a teller terminal 175 and the teller terminal 175 used by the employee. The financial network connecting the information registration server 100 performs a function of an information registration interface for the customer to register the investment application (or agreement) information for the option investment through the small investment integrated operation for each customer.

The storage medium 170 provided on the information registration system according to the present invention includes the customer information, the customer investment money information, and the option transaction request included in the investment application (or agreement) information provided from the information registration terminal 180. (Or consent) the information is linked and stored in a predetermined storage medium 170.

Here, the customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the investment application (or consent), and the member information of the customer ( For example, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation that the customer has applied for (or agreed to) investing the customer investment in at least one option product. It is preferable to include information for securing Nonrepudiation.

For example, the option transaction application (or consent) information may be made including face-to-face authentication information that authenticates the customer in a face-to-face manner, and / or in a customer signature (or seal) included in the investment application (or consent). It is preferable to comprise a.

Alternatively, the option transaction application (or consent) information may include predetermined financial account information and password opened in the financial institution in the name of the customer, or the card information and password issued to the customer by the financial institution. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 170 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 170 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 180 through a predetermined financial network, 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 an embodiment of the present invention, when the information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the information registration server 100 is the window terminal 175 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 180 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 180 is the window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 175, and provides a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 175 It is preferable.

Referring to FIG. 1, when the predetermined information registration terminal 180 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the customer registers the information registration server 180. Acquiring image contents corresponding to the investment application (or agreement) written by the customer through a predetermined image acquisition device provided in the information registration terminal 180 for option investment through integrated small-scale investment fund operation, and the investment Generate (or extract) at least one user interface for inputting (or selecting) investment application (or consent) information corresponding to the application (or agreement) and transmitting the information to the information registration server 100, and generating the interface unit. Interface providing unit 110 for providing the generated (or extracted) user interface to the information registration terminal 180 in association with 105, and the image registration terminal 180 When the investment application (or agreement) information corresponding to the investment application (or agreement) is input (or selected) through a user interface and transmitted, the information is transmitted from the information registration terminal 180 in association with the interface unit 105. An investment application (or agreement) written by the customer through an information acquisition unit 115 for receiving the received investment application (or consent) information and a predetermined image acquisition device based on the user interface in the information registration terminal 180; Acquiring and transmitting the image content corresponding to the document, characterized in that it comprises an image receiving unit 120 for receiving the image content corresponding to the investment application (or agreement) in connection with the interface unit 105 .

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When requesting a user interface for option investment through integrated investment of small investments for each customer, an image corresponding to the investment application (or agreement) written by the customer through a predetermined image acquisition device provided in the information registration terminal 180. At least one user who acquires content, inputs (or selects) investment application (or consent) information corresponding to the investment application (or agreement), and transmits the information to the information registration server 100 through the financial network. Create an interface, and / or extract from a predetermined database (not shown), the user interface generated (or extracted) in conjunction with the interface unit 105 The information registering the device through the financial network end is characterized in that provided in the end (180).

According to another embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to the investment application (or agreement) written by the customer through a predetermined image acquisition device, and the investment application (or agreement). A predetermined information registration program having at least one user interface for inputting (or selecting) investment application (or consent) information corresponding to the business form and transmitting it to the information registration server 100 through the financial network. In this case, as described above, through the predetermined image acquisition device, the image content corresponding to the investment application (or agreement) written by the customer is obtained, and the investment application (or agreement) information corresponding to the investment application (or agreement). Generating (or extracting) a user interface for inputting (or selecting) to the information registration server 100 and transmitting the information registration terminal. The interface providing unit 110 provided at 180 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 180 inputs (or selects) investment application (or consent) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the user interface. And transmits the input (or selected) investment application (or agreement) information to the information registration server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105. It is characterized in that for receiving the investment application (or consent) information transmitted from the information registration terminal 180 in association.

In addition, the information registration terminal 180 obtains the image content corresponding to the investment application (or agreement) written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content The image receiving unit 120 receives the image content corresponding to the investment application (or agreement) in connection with the interface unit 105. It is characterized by.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to an investment application (or agreement) written by the customer through a predetermined image acquisition device in the information registration terminal 180. In the case of pre-stored in a predetermined storage device provided in (or associated with), the information registration terminal 180 is the investment application made by the customer of at least one or more image content previously stored in the storage device through the user interface (Or consent) to select the image content corresponding to the document and transmit it to the information registration server 100 through the financial network, in response to the image receiving unit 120 in conjunction with the interface unit 105, the investment It is desirable to receive image content corresponding to the application (or consent).

According to another exemplary embodiment of the present invention, the information registration terminal 180 corresponds to the image content corresponding to the investment application (or agreement) written by the customer through the user interface and the investment application (or agreement). When the investment application (or agreement) information is transmitted together, the information receiving unit 115 is associated with the interface unit 105 and the image content corresponding to the investment application (or agreement) and the investment application (or agreement) It is possible to receive information together (for example, the image receiving unit 120 is integrated into the information receiving unit 115 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 1, when the investment application (or consent) information transmitted from the information registration terminal 180 is received through the information receiving unit 115, the information registration server 100 receives the received investment application ( Or agreement) the information is provided with a validity authentication unit for confirming whether the information satisfies the validity for the option investment through integrated investment of small investments.

According to an embodiment of the present invention, the validity of the investment application (or agreement) information is at least one or more matching the investment application (or agreement) information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the investment application (or agreement) information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 180 through the image receiving unit 120, and the investment through the validity checking unit 125. When the validity of the application (or consent) information is authenticated, the electronic document generation unit 130 for generating a predetermined investment application (or consent) electronic document including the received image content, and the generated investment application (or The electronic document transmitting unit 135 transmits the electronic document to the electronic document repository associated with the information registration system.

The electronic document generation unit 130 generates an investment application (or agreement) electronic document including the image content received from the information registration terminal 180 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is for each customer. It is advisable to process the investment application (or consent) electronic documents for option investment through integrated investment management.

Alternatively, the electronic document generation unit 130 receives the investment application (or consent) information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. An image file corresponding to an image content including at least one of customer information, customer investment fund information, and option transaction application (or consent) information included in the watermarking method is integrated through the small investment fund integrated operation for each customer. It is desirable to create an investment application (or consent) electronic document for option investment.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 180 through the image receiving unit 120) By generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to generate an investment application (or consent) electronic document for option investment through integrated investment management.

Alternatively, the electronic document generation unit 130 receives the investment application (or consent) information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. A predetermined document including image information including at least one of customer information, customer investment information, and option transaction application (or agreement) information included in the watermarking method, and including the generated image content By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to generate an investment application (or agreement) electronic document for option investment through the small investment integrated operation for each customer.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 180 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) containing at least one document file containing the received investment application (or consent) information. , Or a web document file including MHT, etc.), it is preferable to generate an investment application (or agreement) electronic document for option investment through the integrated micro-investment for each customer.

Alternatively, the electronic document generation unit 130 receives the investment application (or consent) information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Generate image content including at least one of customer information, customer investment amount information, and option transaction application (or agreement) information included in the watermarking method, and the generated image content and the investment application (or Agreement) A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) containing information, or an MHT. Web document files, etc.), to generate an investment application (or agreement) electronic document for option investment through the integrated micro-investment of each customer. It is desirable.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 130 for generating an investment application (or agreement) electronic document in an image file format and / or a predetermined document file format; Since the technical features of the file format for the image file and / or the document file corresponding to the investment application (or agreement) electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the investment application (or agreement) electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the information registration system. It is done.

As shown in FIG. 1, the electronic document repository is connected to the information registration server 100 on the information registration system with a predetermined electronic document server 145 and an electronic document D / B 165 linked through predetermined communication means. When provided externally, the electronic document transmission unit 135 transmits the investment application (or agreement) electronic document generated by the electronic document generation unit 130 through the communication means. It characterized in that the transmission to (145).

Herein, when the electronic document server 145 and the electronic document D / B 165 are provided outside the information registration system, the electronic document server 145 and the electronic document D / B 165 are authorized. It is advisable to manage it in an established institution

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the information registration system, the electronic document transmission unit 135 generates the investment generated by the electronic document generation unit 130. It is possible to store the request (or consent) electronic document in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS provided in the information registration system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document related information for generating predetermined electronic document management information in the electronic document server 145 (for example, investment application corresponding to the image content) Customer information that wrote (or consent), and / or financial institution information transmitting the investment (or consent) electronic document, and / or electronic document file format information, and / or the investment application (or consent) information, etc.) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 1, the information registration server 100 may include investment application (or agreement) information received through the information receiving unit 115 through integrated investment management for each customer through the validity checking unit 125. If the validity for the option investment is authenticated, the predetermined storage medium 170 may be processed by linking the customer information included in the validity of the investment application (or agreement) information, the customer investment amount information, and the option transaction application (or agreement) information. It is characterized by comprising an information storage unit 140 to be stored in).

When the validity of the investment application (or agreement) information is confirmed by the validity confirmation unit 125, the information storage unit 140 and the customer information and the customer investment amount information included in the investment application (or agreement) information and The option transaction application (or agreement) information is stored in the storage medium 170 by linking the processing, the storage medium 170 is provided in the information registration server 100, or the information registration server 100 When the information storage unit 140 is provided on the network associated with the network, the information storage unit 140 processes the customer information included in the received investment application (or agreement) information, the customer investment amount information, and the option transaction application (or agreement) information. Preferably, the storage medium 170 is stored in the storage medium 170. When the storage medium 170 is provided in a DBMS provided on a financial system, the information storage unit 140 receives the investment application (or consent). Information Including the customer information and customer information and investment options trading application (or accept) information through the FEP system on the financial information provided to step are preferably stored in a DBMS provided on the financial system.

Referring to FIG. 1, a predetermined investment application (or agreement) electronic document is received from the information registration server 100 provided on the information registration system, and stored and managed in a predetermined electronic document D / B 165. The electronic document server 145 includes an electronic document receiving unit 150 for receiving a predetermined investment application (or agreement) electronic document from the information registration server 100 through a predetermined communication means, and the received investment application (or Consent) an information generation unit 155 for generating predetermined electronic document management information for storing and managing an electronic document in the electronic document D / B 165, and the electronic document management information and the investment application (or agreement). And an electronic document storage unit 160 for linking and processing the electronic document and storing the electronic document in the predetermined electronic document D / B 165.

The electronic document receiving unit 150 may receive an investment document (or consent) electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to the exemplary embodiment of the present invention, the investment application (or agreement) electronic document received by the electronic document receiving unit 150 through the communication means is received by the information registration server 100 from the information registration terminal 180. It is preferable to include an image file including one image content as it is.

Alternatively, the investment application (or agreement) electronic document received by the electronic document receiving unit 150 through the communication means is the investment in the image content received by the information registration server 100 from the information registration terminal 180. It comprises an image file corresponding to the image content including at least one of the customer information included in the application (or consent) information, the customer investment fund information and the option transaction application (or consent) information by watermarking (5atermarking) method It is preferable.

According to another embodiment of the present invention, the investment application (or agreement) electronic document received by the electronic document receiving unit 150 through the communication means is the information registration server 100 from the information registration terminal 180 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the investment application (or agreement) electronic document received by the electronic document receiving unit 150 through the communication means is the investment in the image content received by the information registration server 100 from the information registration terminal 180. A predetermined document file including image contents including at least one of customer information included in the application (or consent) information, customer investment fund information, and option transaction application (or consent) information by watermarking. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to another embodiment of the present invention, the investment registration (or agreement) electronic document received by the electronic document receiving unit 150 through the communication means is the information registration server 100 is the information registration terminal 180 At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the image content received from the investment application (or consent) information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the investment application (or agreement) electronic document received by the electronic document receiving unit 150 through the communication means is the investment application to the image content received by the information registration server 100 from the information registration terminal 180. (Or consent) the image content including at least one or more of the customer information included in the information, the customer investment information and the option transaction application (or consent) information in a watermarking manner and the investment application (or consent) information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the investment application (or agreement) electronic document received through the electronic document receiving unit 150, and the electronic document receiving unit 150 Electronic document management information, including electronic document storage date and time information, including a date and time that the investment application (or consent) electronic document was received (or a date and time the investment application (or consent) electronic document was stored). It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 155 refers to the information registration server 100 that transmits the investment application (or agreement) electronic document received through the electronic document receiving unit 150. It is preferable to identify the financial institution that has sent the investment application (or consent) electronic document and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 150, the information generating unit 155 receives the received information. Information relating to electronic documents (e.g., customer information for which an investment application (or consent) corresponding to the image content is written, and / or financial institution information for transmitting the investment application (or consent) electronic document, and / or electronic document file format Information, and / or electronic document management information further comprising the investment application (or consent) information).

The electronic document storage unit 160 processes an investment application (or agreement) electronic document received through the electronic document receiving unit 150 and electronic document management information generated through the information generating unit 155 to process a predetermined message. The electronic document is stored in the D / B 165.

According to the exemplary embodiment of the present invention, the investment registration (or agreement) electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is registered by the information registration server 100. It is preferable that the image file including the image content received from the terminal 180 is included as it is.

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the information registration server 100 from the information registration terminal 180. Corresponding to the image content that includes at least one of customer information included in the investment application (or agreement) information, at least one of customer investment information and option transaction application (or agreement) information in the image content in a watermarking manner. It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the investment registration (or agreement) electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the information registration server 100. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content received from the registration terminal 180. File, or a web document file including MHT).

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the information registration server 100 from the information registration terminal 180. Predetermined image content including image information including at least one of customer information included in the investment application (or agreement) information, at least one of customer investment information and option transaction application (or agreement) information in the image content in a watermarking manner. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to achieve by.

According to another exemplary embodiment of the present invention, the investment registration (or agreement) electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the information registration server 100. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the image content received from the information registration terminal 180 and the investment application (or consent) information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the information registration server 100 from the information registration terminal 180. Image contents and the investment application including water information (5atermarking) including at least one or more of the customer information, the customer investment information and the option transaction application (or consent) information included in the investment application (or consent) information in the image content (Or consent) a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) or MHT Web document files, etc.) to be included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in association with the investment application (or agreement) electronic document is stored in the investment. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the application (or consent) electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the investment application (or agreement) electronic document is It is preferable to further include information on the financial institution that has transmitted the investment application (or agreement) electronic document confirmed with reference to the information registration server 100 that sent the investment application (or agreement) electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 160 is associated with the investment application (or agreement) electronic document. Electronic document management information that is processed and stored in the electronic document D / B 165 may include the received electronic document related information (for example, customer information for which an investment application (or consent) corresponding to the image content is written, and / or Financial institution information for transmitting the investment application (or consent) electronic document, and / or electronic document file format information, and / or the investment application (or consent) information, etc.).

Figure 2 is an investment application (or agreement) information is stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for option investment through integrated investment of small investments per customer according to an embodiment of the present invention Figure is a diagram.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 170 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. An information structure for an implementation method of storing investment application (or agreement) information including the customer information, customer investment amount information, and option transaction application (or agreement) information is shown, and is commonly used in the art. Those skilled in the art will be able to infer various information construction methods for storing the investment application (or agreement) information in the ledger D / B 200 by referring to and / or modifying the drawing 2. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 2, the investment application (or agreement) information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the customer ledger, and the investment application (or agreement). The information may include at least one of customer information, customer investment money information, and option transaction application (or agreement) information.

Here, the customer information included in the investment application (or agreement) information stored in the form of additional information added to the customer ledger includes a CIF number for cooperatively processing the customer ledger and the investment application (or agreement) information. It is desirable to be.

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation of the customer's application (or agreement) to invest the customer investment in at least one or more option products. It is desirable to include information to secure nonrepudiation.

According to an embodiment of the present invention, the option transaction application (or agreement) information included in the investment application (or agreement) information stored in the form of additional information added to the customer ledger authenticates the customer in a face-to-face manner. It is preferable that the counter staff authentication information is included.

Alternatively, when the investment application (or consent) electronic document is stored in a predetermined electronic document repository, the option transaction application (or consent) included in the investment application (or consent) information stored in the form of additional information added to the customer ledger. The information preferably includes the electronic document information.

According to another embodiment of the present invention, the investment application (or consent) information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Can be stored in the form of additional information added to the) and / or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

Figure 3 is an investment application stored in the database associated with the ledger D / B (300) provided in the DBMS on the financial system in a face-to-face manner for option investment through the integration of small investments per customer according to another embodiment of the present invention ( Or agreement).

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 170 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 to transfer the investment application (or agreement) information to a predetermined database. It will be able to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 shows that it is not easy to store the investment application (or agreement) information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in accordance with the policy of a financial institution). If it is not easy to change the ledger D / B 300 of the DBMS, or the system expansion is not easy due to the nature of the financial system, the application for investment in a predetermined database instead of the ledger D / B 300 (or Consent) to store the information, and the database and the ledger D / B (300) in conjunction with the implementation method is shown.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores the customer information included in the investment application (or agreement) information, the customer investment amount information, and the option transaction application (or agreement) information in association with each other. Or consent) information further comprises a CIF number corresponding to the ledger information in the investment application (or agreement) information in order to be processed in conjunction with the ledger D / B (300).

Here, the customer information included in the investment application (or agreement) information that is processed in association with the ledger D / B 300 is matched with the customer ledger provided in the ledger D / B 300 through the CIF number It is omitted.

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation that the customer has applied for (or agreed to) investing the customer investment in at least one option product. It is preferable to include information for securing Nonrepudiation.

According to the method of the present invention, the option transaction application (or agreement) information included in the investment application (or agreement) information linked to the ledger D / B 300 is a window that authenticates the customer in a face-to-face manner. It is desirable to include employee authentication information.

Alternatively, when the investment application (or agreement) electronic document is stored in a predetermined electronic document repository, the option transaction application (or agreement) included in the investment application (or agreement) information that is processed in association with the ledger D / B 300. Consent) The information preferably includes electronic document information.

4 is a diagram showing the configuration of the investment application (or agreement) information stored in the DBMS provided in the banking server in a face-to-face manner for option investment through the integration of small investments per customer according to another embodiment of the present invention.

In more detail, FIG. 4 shows that the storage medium 170 shown in FIG. 1 is provided with an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a banking server. Those skilled in the art to which the present invention pertains are provided with at least one banking server by referring to and / or modifying the present invention. It is possible to infer a method of constructing information on investment application (or consent) information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 4, a predetermined DBMS provided in the banking server associates and stores the customer information included in the investment application (or agreement) information, the customer investment amount information, and the option transaction application (or agreement) information. It features.

Here, the customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the investment application (or consent), and the member information of the customer ( For example, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

In addition, the customer investment information includes a small investment amount (or deposit amount) information of a minimum deposit amount or less, among the amounts that a given customer must deposit in a predetermined option account for at least one option transaction. Preferably, when the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment funds further comprise customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation of the customer's application (or agreement) to invest the customer investment in at least one or more option products. It is desirable to include information to secure nonrepudiation.

According to an embodiment of the present invention, the option transaction application (or agreement) information included in the investment application (or agreement) information included in a predetermined DBMS provided in the banking server may authenticate the customer in a face-to-face manner. It is preferable that the counter staff authentication information is included.

Alternatively, when the investment application (or agreement) electronic document is stored in a predetermined electronic document repository, the option transaction application included in the investment application (or agreement) information included in a predetermined DBMS provided in the banking server ( Or consent) information preferably includes electronic document information.

5A and 5B illustrate a process of registering investment application (or agreement) information in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal terminal 175 in which an information registration terminal 180 on the information registration system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the information registration server 100 is illustrated in FIG. )) Has a ledger server (not shown) function in the financial system linked to the window terminal 175 through a predetermined financial network, the predetermined customer is a customer for option investment through the integrated micro-investment for each customer When the investment application (or consent) including at least one information, customer investment information and option transaction application (or consent) information is prepared and submitted, the investment application through a predetermined image acquisition device at a predetermined window terminal 175 An investment corresponding to the investment application (or agreement) is obtained by obtaining a predetermined image content corresponding to the (or consent) document and through the predetermined information registration interface to the information registration system. Providing application (or consent) information and the image content obtained from the investment application (or agreement), a predetermined investment application (or consent) electronic document containing the image content is generated and stored in a predetermined electronic document repository. The method of the present invention relates to an implementation method of storing and storing the customer information included in the investment application (or agreement) information, the customer investment fund information, and the option transaction application (or agreement) information in a predetermined storage medium 305. In detail, the window terminal 175 acquires predetermined image contents corresponding to the investment application (or agreement) through a predetermined image acquisition device, transmits the predetermined image content to the information registration server 100, and then transfers the investment application ( Or a method of inputting (or selecting) investment application (or agreement) information corresponding to an agreement) and transmitting it to the information registration server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to apply for the investment (or consent) from the terminal 175 to the information registration server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the implementation method shown in FIGS. 5A and 5B, the window terminal 175 acquires predetermined image contents corresponding to the investment application (or agreement) through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) investment application (or agreement) information corresponding to the investment application (or agreement) is illustrated as being provided from the information registration server 100, the counter terminal 175 is described. If a predetermined information registration program is provided, the user interface may not be provided from the information registration server 100, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, the customer investment information and the option transaction application (or agreement) information transmitted from the counter terminal 175 to the information registration server 100 are referred to as "investment application (or agreement) information" for convenience.

Referring to FIGS. 5A and 5B, an investment application (or at least one of which includes at least one of customer information, customer investment information, and an option transaction application (or agreement) information for an option investment through a small investment integrated operation for each customer) When the agreement is completed and submitted, the window terminal 175 shown in FIG. 1 responds to the investment application (or agreement) with a predetermined communication channel connected to the server through a predetermined financial network. When requesting a user interface for option investment through a small investment integrated operation for each customer (500), the server corresponding to the investment application (or agreement) written by the customer through a predetermined image acquisition device in the terminal Generate (or extract) a user interface for acquiring the corresponding predetermined image content and transmitting it to the server (505); To the generated outputs to transmit the user interface (or extract) to the mobile station (510).

Thereafter, the terminal acquires image content corresponding to the investment application (or agreement) through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the investment application (or agreement) is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server may include investment application (or agreement) information including at least one of customer information corresponding to the investment application (or agreement) matching the image content, at least one customer investment information and option transaction application (or agreement) information. Input (or select) to generate (or extract) a user interface for transmission to the server (530), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs (535) .

Thereafter, the terminal inputs (or selects) investment application (or agreement) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the user interface (540).

If the investment application (or agreement) information including at least one of the customer information, the customer investment information, and the option transaction application (or agreement) information is input (or selected) through the user interface (545), the terminal receives the The input (or selected) investment application (or agreement) information is transmitted to the server through a financial network (550).

Thereafter, the server receives and reads the investment application (or consent) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the financial network, and the investment application (or agreement). Check the validity of the information (555).

According to the implementation method of the present invention, the validation of the investment application (or agreement) information is matched with the investment application (or agreement) information in the ledger D / B 300 on the financial system associated with the information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the investment application (or agreement) information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the information registration system. It is preferably made to include matching with the customer ledger stored in / B (300).

If the validity of the investment application (or agreement) information is not authenticated (560), the server generates predetermined information registration error information and transmits it to the terminal (565), and the investment application (or agreement) information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the investment application (or agreement) information is authenticated (560), the server generates a predetermined investment application (or agreement) electronic document containing the image content (570).

According to an exemplary embodiment of the present invention, the server may use an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is through the integrated small investment investment for each customer. It is preferable to process the investment application (or consent) electronic document for the investment.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Application for investment in options through integrated micro-investment for each customer by using an image file corresponding to an image content including at least one of customer investment information and option transaction application (or consent) information by watermarking. It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, electronic data interchange (EDI) files, word processor files containing at least one of HWP / DOC, etc., or web document files including MHT). It is desirable to create an investment application (or consent) electronic document for option investment.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one of customer investment information and option transaction application (or consent) information by a watermarking method, and include a predetermined document file (eg, a PDF file including the generated image content). Incorporating a small investment amount per customer by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to generate an investment application (or consent) electronic document for option investment through operation.

According to another exemplary embodiment of the present invention, the server receives the investment application (or the image content received from the information registration terminal 180 and the information receiving unit 115 through the image receiving unit 120 (or Agreement) A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) containing information, or an MHT. By generating a web document file, etc.), it is preferable to generate an investment application (or agreement) electronic document for option investment through integrated micro-investment operation for each customer.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generating image content including at least one of customer investment information and option transaction application (or agreement) information by a watermarking method, and including the generated image content and the investment application (or agreement) information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is desirable to generate an investment application (or agreement) electronic document for the option investment through the customer-specific micro-investment integrated operation .

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the investment application (or Consent) Since you will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic documents, detailed descriptions thereof will be omitted for convenience.

Thereafter, the server stores the generated investment application (or agreement) electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated investment application (or agreement) electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server sends the generated investment application (or consent) electronic document to an electronic document storage on a DBMS provided in the information registration system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the investment application (or agreement) electronic document in the electronic document repository, by linking the generated investment application (or agreement) electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the investment application (or agreement) electronic document.

In addition, the electronic document management information may be financed to transmit predetermined electronic document-related information (eg, customer information for preparing an investment application (or agreement) corresponding to the image content, and / or the investment application (or agreement) electronic document. Institution information, and / or electronic document file format information, and / or the investment application (or consent) information).

If the investment application (or consent) electronic document is stored in the electronic document repository (580), the server requests the customer information and the customer investment information and the option transaction application (or agreement) included in the investment application (or agreement) information. Information stored in a predetermined storage medium 305 (585), information registration history information (e.g., the details of storing the investment application (or agreement) electronic document in the electronic document storage), and / Alternatively, the details of storing the investment application (or agreement) information in the storage medium 305) are generated (or extracted) and transmitted to the terminal (590).

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 305 may be a ledger D / B 300 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 300, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 305 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show a window terminal 175 in which an information registration terminal 180 on the information registration system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the information registration server 100 is shown. )) Has a ledger server (not shown) function in the financial system linked to the window terminal 175 through a predetermined financial network, the predetermined customer is a customer for option investment through the integrated micro-investment for each customer When the investment application (or consent) including at least one information, customer investment information and option transaction application (or consent) information is prepared and submitted, the investment application through a predetermined image acquisition device at a predetermined window terminal 175 Obtain a predetermined image content corresponding to the (or agreement), and the corresponding to the investment application (or agreement) to the information registration system through a predetermined information registration interface Providing application (or consent) information and the image content obtained from the investment application (or agreement), a predetermined investment application (or consent) electronic document containing the image content is generated and stored in a predetermined electronic document repository. The method of the present invention relates to an implementation method of storing and storing the customer information included in the investment application (or agreement) information, the customer investment fund information, and the option transaction application (or agreement) information in a predetermined storage medium 305. In detail, the counter terminal 175 inputs (or selects) investment application (or agreement) information corresponding to the investment application (or agreement), transmits the information to the information registration server 100, and acquires a predetermined image. A method of obtaining a predetermined image content corresponding to the investment application (or agreement) through the device and transmitting the predetermined image content to the information registration server 100 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to apply for the investment (or consent) from the terminal 175 to the information registration server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, in the implementation method shown in FIGS. 6A and 6B, the teller terminal 175 acquires predetermined image contents corresponding to the investment application (or agreement) through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) investment application (or agreement) information corresponding to the investment application (or agreement) is illustrated as being provided from the information registration server 100, the counter terminal 175 is described. If a predetermined information registration program is provided, the user interface may not be provided from the information registration server 100, and thus the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal 175 shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information, the customer investment information and the option transaction application (or agreement) information transmitted from the counter terminal 175 to the information registration server 100 are referred to as "investment application (or agreement) information" for convenience.

Referring to FIGS. 6A and 6B, an investment application (or at least one of which includes at least one customer information, customer investment information, and an option transaction application (or agreement) information for an option investment by a predetermined customer through a small investment integrated operation for each customer) When the agreement is completed and submitted, the window terminal 175 shown in FIG. 1 connects to the server through a predetermined financial network and connects to the investment application (or agreement) while connecting a predetermined communication channel. When requesting a user interface for option investment through the corresponding small investment integrated operation for each customer (600), the server correspondingly corresponds to the customer information and the customer investment information and the corresponding investment application (or agreement) written by the customer Enter (or select) investment application (or consent) information including at least one option transaction application (or consent) information and transmit the same to the server. A user interface is generated (or extracted) (605), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (610).

Thereafter, the terminal inputs (or selects) investment application (or agreement) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the user interface (615).

If the investment application (or agreement) information including at least one of the customer information, the customer investment amount information and the option transaction application (or consent) information is input (or selected) through the user interface (620), the terminal receives the The inputted (or selected) investment application (or agreement) information is transmitted to the server through a financial network (625).

Thereafter, the server receives and reads the investment application (or consent) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the financial network, and the investment application (or agreement). Check the validity of the information (630).

According to the implementation method of the present invention, the validation of the investment application (or agreement) information is matched with the investment application (or agreement) information in the ledger D / B 300 on the financial system associated with the information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the investment application (or agreement) information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the information registration system. It is preferably made to include matching with the customer ledger stored in / B (300).

If the validity of the investment application (or consent) information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and the investment application (or consent) information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the investment application (or agreement) information is authenticated (635), the server predetermined image content corresponding to the investment application (or agreement) written by the customer through a predetermined image acquisition device in the terminal Acquire and generate (or extract) a user interface for transmitting to the server (645), and transmits the generated (or extracted) user interface to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the investment application (or agreement) through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the investment application (or agreement) is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the investment application (or agreement) information and the image content from the terminal generates a predetermined investment application (or agreement) electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server may use an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is through the integrated small investment investment for each customer. It is preferable to process the investment application (or consent) electronic document for the investment.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Application for investment in options through integrated micro-investment for each customer by using an image file corresponding to an image content including at least one of customer investment information and option transaction application (or consent) information by watermarking. It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an investment application (or consent) electronic document for the investment.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image contents including at least one of customer investment information and option transaction request (or consent) information by watermarking, and a predetermined document file (eg, PDF) including the generated image contents. (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or web document files including MHT) It is desirable to generate an investment application (or consent) electronic document for option investment through integrated operations.

According to another exemplary embodiment of the present invention, the server receives the investment application (or the image content received from the information registration terminal 180 and the information receiving unit 115 through the image receiving unit 120 (or Agreement) A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) containing information, or an MHT. By generating a web document file, etc.), it is preferable to generate an investment application (or agreement) electronic document for option investment through integrated micro-investment operation for each customer.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one of customer investment information and option transaction request (or agreement) information by watermarking, and include the generated image content and the investment application (or agreement) information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to generate an investment application (or agreement) electronic document for option investment through the integrated micro-investment for each customer. All.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the investment application (or Consent) Since you will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic documents, detailed descriptions thereof will be omitted for convenience.

Thereafter, the server stores 667 the generated investment application (or agreement) electronic document in a predetermined electronic document repository.

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated investment application (or agreement) electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server sends the generated investment application (or consent) electronic document to an electronic document storage on a DBMS provided in the information registration system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the investment application (or agreement) electronic document in the electronic document repository, by linking the generated investment application (or agreement) electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the investment application (or agreement) electronic document.

In addition, the electronic document management information may be financed to transmit predetermined electronic document-related information (eg, customer information for preparing an investment application (or agreement) corresponding to the image content, and / or the investment application (or agreement) electronic document. Institution information, and / or electronic document file format information, and / or the investment application (or consent) information).

If the investment application (or agreement) electronic document is stored in the electronic document repository (680), the server requests the customer information, customer investment information and option transaction application (or agreement) included in the investment application (or agreement) information. Information stored in a predetermined storage medium 305 in a predetermined storage medium 305, and information stored in a predetermined information registration history (e.g., the electronic document archived in the investment application (or consent); and // Alternatively, the storage medium 305 generates (or extracts) the details of storing the investment application (or agreement) information and transmits the generated information to the terminal (690).

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 305 may be a ledger D / B 300 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 300, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 305 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals 175 in which an information registration terminal 180 on the information registration system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the information registration server 100 )) Has a ledger server (not shown) function in the financial system linked to the window terminal 175 through a predetermined financial network, the predetermined customer is a customer for option investment through the integrated micro-investment for each customer When the investment application (or consent) including at least one information, customer investment information and option transaction application (or consent) information is prepared and submitted, the investment application through a predetermined image acquisition device at a predetermined window terminal 175 An investment corresponding to the investment application (or agreement) is obtained by obtaining a predetermined image content corresponding to the (or consent) document and through the predetermined information registration interface to the information registration system. Providing application (or consent) information and the image content obtained from the investment application (or agreement), a predetermined investment application (or consent) electronic document containing the image content is generated to provide a predetermined electronic document repository. And the customer information included in the investment application (or agreement) information, the customer investment amount information, and the option transaction application (or agreement) information are interworked and stored in a predetermined storage medium 305. Specifically, the window terminal 175 acquires predetermined image contents corresponding to the investment application (or agreement) through a predetermined image acquisition device, and the investment application corresponding to the investment application (or agreement) ( Or consent) inputs (or selects) information and transmits the information to the information registration server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to apply for the investment (or consent) from the terminal 175 to the information registration server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the teller terminal 175 acquires predetermined image contents corresponding to the investment application (or agreement) through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) investment application (or agreement) information corresponding to the investment application (or agreement) is illustrated as being provided from the information registration server 100, the counter terminal 175 is described. If a predetermined information registration program is provided, the user interface may not be provided from the information registration server 100, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIG. 7A and FIG. 7B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, the customer investment information and the option transaction application (or agreement) information transmitted from the counter terminal 175 to the information registration server 100 are referred to as "investment application (or agreement) information" for convenience.

Referring to FIGS. 7A and 7B, an investment application (or at least one of which includes at least one of customer information, customer investment information, and an option transaction application (or consent) information for a predetermined customer to invest in a small investment integrated investment for each customer) When the agreement is completed and submitted, the window terminal 175 shown in FIG. 1 responds to the investment application (or agreement) with a predetermined communication channel connected to the server through a predetermined financial network. When requesting a user interface for option investment through integrated micro-investment of small investments (700), the server responds to the investment application (or agreement) corresponding to the investment application (or agreement) written by the customer in the terminal. Input information (or select) information, and acquire predetermined image contents corresponding to the investment application (or agreement) through a predetermined image obtaining apparatus. Generated a user interface for transmitting to the server sex (or extract), and 705, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (710).

Thereafter, the terminal inputs (or selects) investment application (or agreement) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the user interface (715).

If the investment application (or agreement) information including at least one of the customer information, the customer investment information, and the option transaction application (or agreement) information is input (or selected) through the user interface (720), the terminal receives the An image content corresponding to the investment application (or agreement) is obtained through a predetermined image acquisition device based on a user interface in operation 725.

If image content corresponding to the investment application (or agreement) is obtained through the image acquisition device (730), the terminal transmits the investment application (or agreement) information and image content to the server through the financial network. Transmit (735).

Thereafter, the server receives and reads the investment application (or agreement) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the financial network, and the investment application (or agreement). Check the validity of the information (740).

According to the implementation method of the present invention, the validation of the investment application (or agreement) information is matched with the investment application (or agreement) information in the ledger D / B 300 on the financial system associated with the information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the investment application (or agreement) information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the information registration system. It is preferably made to include matching with the customer ledger stored in / B (300).

If the validity of the investment application (or agreement) information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), and the investment application (or agreement) information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the investment application (or agreement) information is authenticated (745), the server generates a predetermined investment application (or agreement) electronic document containing the image content (755).

According to an exemplary embodiment of the present invention, the server may use an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is through the integrated small investment investment for each customer. It is preferable to process the investment application (or consent) electronic document for the investment.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Application for investment in options through integrated micro-investment for each customer by using an image file corresponding to an image content including at least one of customer investment information and option transaction application (or consent) information by watermarking. It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an investment application (or agreement) electronic document for the investment.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one of customer investment information and option transaction application (or consent) information by a watermarking method, and include a predetermined document file (eg, a PDF file including the generated image content). Incorporating a small investment amount per customer by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to generate an investment application (or consent) electronic document for option investment through operation.

According to another exemplary embodiment of the present invention, the server receives the investment application (or the image content received from the information registration terminal 180 and the information receiving unit 115 through the image receiving unit 120 (or Agreement) A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) containing information, or an MHT. By generating a web document file, etc.), it is preferable to generate an investment application (or agreement) electronic document for option investment through the integrated micro-investment operation for each customer.

Alternatively, the server may include customer information included in the investment application (or agreement) information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generating image content including at least one of customer investment information and option transaction application (or agreement) information by a watermarking method, and including the generated image content and the investment application (or agreement) information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is desirable to generate an investment application (or agreement) electronic document for the option investment through the customer-specific micro-investment integrated operation .

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the investment application (or Consent) Since you will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic documents, detailed descriptions thereof will be omitted for convenience.

The server then stores 760 the generated investment application (or consent) electronic document in a predetermined former consultancy archive.

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated investment application (or agreement) electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server sends the generated investment application (or consent) electronic document to an electronic document storage on a DBMS provided in the information registration system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the investment application (or agreement) electronic document in the electronic document repository, by linking the generated investment application (or agreement) electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165) shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the investment application (or agreement) electronic document.

In addition, the electronic document management information may be financed to transmit predetermined electronic document-related information (eg, customer information for preparing an investment application (or agreement) corresponding to the image content, and / or the investment application (or agreement) electronic document. Institution information, and / or electronic document file format information, and / or the investment application (or consent) information).

If the investment application (or agreement) electronic document is stored in the electronic document repository (765), the server requests the customer information, customer investment information and option transaction application (or agreement) included in the investment application (or agreement) information. Information stored in a predetermined storage medium 305 in a predetermined storage medium 305, information stored in a predetermined information registration history (e.g., the details of storing the investment application (or agreement) electronic document in the electronic document storage, and /) Alternatively, the details of storing the investment application (or agreement) information in the storage medium 305) are generated (or extracted) and transmitted to the terminal (775).

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage The medium 305 may be a ledger D / B 300 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 300, whereby the present invention is not limited thereto. No.

According to another embodiment of the present invention, the storage medium 305 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face information registration system for option investment through integrated micro-investment investment for each customer according to another embodiment of the present invention.

In more detail, Figure 8 shows a predetermined customer's information and customer investment information and option transaction application (or consent) information for the option investment through the small investment investment integrated operation for each customer to the information registration system through a predetermined information registration interface. When providing investment application (or agreement) information including at least one of the above, the information registration system generates a predetermined investment application (or agreement) electronic document including the provided investment application (or agreement) information, and generates a predetermined electronic document. The system configuration is stored in a document storage, and the customer information included in the investment application (or consent) information, the customer investment amount information and the option transaction application (or consent) information is processed in association with the system configuration to store in a predetermined storage medium (870) Specifically, investing in at least one customer specific microinvestment in at least one or more options. To a non-face-to-face pre-approval method.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to infer various implementation methods for constructing an information registration system for option investment through integrated micro-investment for each customer. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, in FIG. 8, the electronic document repository may infer an implementation method provided in the DBMS located in the information registration system. However, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implementation method.

In addition, although FIG. 8 illustrates the investment application (or agreement) electronic document as being generated on the server side on the information registration system, the present invention is not limited thereto, and the investment application (or agreement) is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) information on the investment application (or consent) and transmits the information (eg, an electronic document generation function provided on the server side to the terminal side. (Or consent) to generate an electronic document, by which the present invention is not limited.

In addition, according to another embodiment of the present invention, the investment registration (or agreement) electronic document may not be generated in the information registration system shown in FIG. 13 according to the intention of the person skilled in the art, and the present invention is not limited thereto. .

Hereinafter, by receiving the investment application (or agreement) information from the customer through a predetermined information registration interface on the information registration system shown in FIG. 8, a predetermined investment application (or agreement) electronic document is generated to generate a predetermined electronic document. Components corresponding to at least one or more means and / or functional configurations for storing in the depository and storing the investment application (or consent) information in a predetermined storage medium 870 are referred to as "information registration server 800" for convenience. .

Referring to FIG. 8 according to an embodiment of the present invention, an information registration system for option investment through integrated micro-investment operation for each customer includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 880 including at least one or more thereof. The information registration terminal 880 is an information registration server 800 provided on the information registration system through a predetermined network means. And communication channel are connected.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the investment application (or agreement) information for option investment is input through the at least one user interface provided by the information registration server 800 and the option is integrated, the client terminal may select a predetermined amount. It is preferable to transmit to the information registration server 800 provided on the information registration system through the network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based WLAN, the personal communication system being connected to the CDMA based (and / or HSDPA based) mobile communication network; PCS and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) ) And / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the information registration server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 800 is a CDMA based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 800, and inputs and / or selects at least one or more information through the user interface to the information registration server 800. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 800, 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 information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the information registration server 800 and And / or the wireless communication network performs a function of an information registration interface for registering the investment application (or consent) information for the customer to invest in the option through the small investment integrated operation for each customer.

According to another exemplary embodiment of the present invention, the information registration terminal 880 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 880 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. A financial network connecting 800 performs the function of an information registration interface for registering the investment application (or consent) information for the customer to invest in the option through the small investment integrated operation for each customer, and / or the information. When the registration terminal 880 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 800 Perform a function of an information registration interface for the customer to register the investment application (or consent) information for the option investment through the small investment integrated operation for each customer, and / or In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 880, the terminal (and / or server) (not shown) and the terminal (and / or Or network) (not shown) and the information registration server 800 is an information registration interface for the customer to register the investment application (or consent) information for the option investment through the small investment integrated operation for each customer Perform the function of

The storage medium 870 provided on the information registration system according to the present invention includes the customer information, the customer investment information and the option transaction request included in the investment application (or agreement) information provided from the information registration terminal 880. (Or consent) the information is linked and stored in a predetermined storage medium 870.

Here, the customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the investment application (or consent), and the member information of the customer ( For example, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation of the customer's application (or agreement) to invest the customer investment in at least one or more option products. It is desirable to include information to secure nonrepudiation.

For example, the option transaction application (or agreement) information is preferably made including the member ID information and password of the customer provided in the financial institution.

Alternatively, the option transaction application (or consent) information may be authorized certificate information (for example, information encrypted with various encryption keys included in the certificate) issued to the customer by the financial institution (or certificate authority), and / or the It is preferable to include at least one or more OTP code generated through the One Time Password (OTP) generator issued by the financial institution to the customer, and / or security card information issued to the customer by the financial institution. .

According to one embodiment of the invention, the storage medium 870 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 870 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another method of the present invention, the storage medium 870 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 880 through 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 an embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 800 is characterized by comprising an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 880 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 805 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 communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is 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 805 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a financial automatic device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal based on. Do.

For example, when the client terminal is provided with a browser program corresponding to a WAP (12ireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (12ireless Markup Language) compliant webpage, or an HTML compliant webpage) and / or information using a WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 800, the interface unit 805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, when the predetermined information registration terminal 880 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the customer may register the information registration server 800. At least one or more to input (or select) predetermined investment application (or agreement) information from the information registration terminal 880 to transmit the information to the information registration server 800 for the option investment through integrated small-scale investment fund operation An interface providing unit 810 for generating (or extracting) a user interface and providing the generated (or extracted) user interface to the information registration terminal 880 in association with the interface unit 805, and the information registration; When the terminal 880 inputs (or selects) and transmits the investment application (or consent) information through the user interface, the terminal 880 is connected to the interface unit 805 to the information registration terminal 880. Characterized in that it comprises an information receiving unit 815 for receiving the investment application (or consent) information transmitted from.

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800 to the information registration server 800. When requesting a user interface for option investment through integrated micro-investment for each customer, the information registration terminal 880 inputs (or selects) predetermined investment application (or agreement) information and registers the information through the network means. Generate at least one user interface to be transmitted to the server 800, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 805. It is characterized in that provided to the information registration terminal 880 via a network means.

According to an embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 810 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 805 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

At least one of inputting (or selecting) predetermined investment application (or agreement) information to the information registration terminal 880 according to another embodiment of the present invention and transmitting the information to the information registration server 800 through the network means. When a predetermined information registration program having the above user interface is provided, a user interface for inputting (or selecting) predetermined investment application (or agreement) information as described above to be transmitted to the information registration server 800 is generated. The interface providing unit 810 may be omitted (or extracted) and provided to the information registration terminal 880, and the present invention is not limited thereto.

Thereafter, the information registration terminal 880 inputs (or selects) investment application (or consent) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the user interface. And transmits the input (or selected) investment application (or consent) information to the information registration server 800 through the network means, and correspondingly, the information receiving unit 815 is connected to the interface unit 805. It is characterized in that for receiving the investment application (or consent) information transmitted from the information registration terminal 880 in association.

According to the implementation method of the present invention, the information registration terminal 880 is the information registration server in the investment application (or agreement) information including at least one or more of the customer information, customer investment fund information and option transaction application (or consent) information; At least one predetermined password and / or credit card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the investment application (or consent) information at 800 It is preferable to further include the above transmission to the information registration server 800 through the network means.

According to an embodiment of the present invention, the information registration terminal 880 encrypts at least one or more investment application (or agreement) information including at least one of the customer information, customer investment amount information, and option transaction application (or agreement) information. Encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the application for investment (or Consent) attaches a predetermined electronic signature to the information and transmits the information to the information registration server 800 through the network means. For this purpose, the information registration terminal 880 includes at least one encryption corresponding to the encryption method. A predetermined public certificate having a key and / or comprising at least one encryption key, and / or To be provided with a certificate private seal the case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the information registration terminal 880 encrypts at least one or more investment application (or agreement) information including at least one of the customer information, customer investment information and option transaction application (or agreement) information. Method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to encrypt the information registration server through the network means. It is preferable to transmit to (800), for this purpose, the information registration terminal 880 is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined authorized person including at least one encryption key. The IC chip (or IC card) is provided if a certificate is provided and / or if the official certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the official certificate provided in the.

Those skilled in the art to which the present invention pertains can attach technical features to various encryption schemes for encrypting the investment application (or agreement) information, and attach a predetermined electronic signature to the investment application (or agreement) information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the information registration server 800 receives the investment application (or agreement) information transmitted from the information registration terminal 880 through the information receiving unit 815. Or agreement) the information is provided with a validity authentication unit for confirming whether the information satisfies the validity for the option investment through integrated investment of small investments.

According to an embodiment of the present invention, the investment application (or agreement) information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, etc., the validity authentication unit converts the encrypted investment application (or consent) information into at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received investment application (or consent) information. .

Alternatively, when a predetermined electronic signature is attached to the investment application (or consent) information, the validity certification unit confirms the electronic signature attached to the investment application (or consent) information, thereby receiving the received investment application (or consent). It is desirable to authenticate the validity of the information.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted investment application (or agreement) information, and an electronic signature attached to the investment application (or agreement) information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the investment application (or agreement) information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the investment application (or agreement) information, The validity authentication unit compares and authenticates a password included in the investment application (or agreement) information with a password provided corresponding to the customer on the DBMS, thereby validating the validity of the received investment application (or agreement) information. It is desirable to authenticate.

Alternatively, when the investment application (or agreement) information received through the information receiver 815 further includes predetermined security card information for confirming the validity of the investment application (or agreement) information, the validity authentication The department compares and authenticates the security card information included in the investment application (or agreement) information with the security card information provided corresponding to the customer on the DBMS, thereby validating the received investment application (or agreement) information. It is desirable to authenticate.

Alternatively, when the investment application (or agreement) information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the investment application (or agreement) information, the validity authentication unit By comparing and authenticating the received OTP code included in the investment application (or agreement) information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received investment application ( Or consent) to verify the validity of the information.

According to an embodiment of the present invention, the validity of the investment application (or agreement) information is at least one or more matching the investment application (or agreement) information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 825 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the investment application (or consent) information is linked to the information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 8, when the validity of the investment application (or agreement) information is authenticated through the validity verification unit 825, the information registration server 800 includes the received investment application (or agreement) information. An electronic document generation unit 830 for generating a predetermined investment application (or agreement) electronic document, and an electronic document for transmitting the generated investment application (or agreement) electronic document to an electronic document repository associated with the information registration system; It is characterized by comprising a transmission unit 835.

The electronic document generation unit 830 generates an investment application (or agreement) electronic document including the investment application (or agreement) information received from the information registration terminal 880 through the information receiving unit 815. It features.

According to an exemplary embodiment of the present invention, the electronic document generation unit 830 may include the customer information, the customer investment amount information, and the option transaction application (or information) included in the investment application (or agreement) information received through the information receiving unit 815. Consent) generates a document content including at least one information, and includes at least a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content. It is preferable to treat the word processing file including one or more, or the web document file including the MHT) as an investment application (or agreement) electronic document for option investment through the integrated micro-investment for each customer.

Alternatively, the electronic document generation unit 830 may include at least one of customer information, customer investment amount information, and option transaction application (or agreement) information included in the investment application (or agreement) information received through the information receiving unit 815. 12atermarking method of generating document content including at least one of customer information included in the investment application (or agreement) information, at least one of customer investment information and option transaction application (or agreement) information in the document content. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT) before the application (or consent) for investment for option investment through the small investment integrated operation for each customer. It is preferred to process the document.

Alternatively, the electronic document generation unit 830 may include at least one of customer information, customer investment amount information, and option transaction application (or agreement) information included in the investment application (or agreement) information received through the information receiving unit 815. Creating a document content including, and the image file including the image content (for example, the image content generated by capturing the document content on the memory) of the document content by capturing a small investment per customer integrated operation It is desirable to process the investment application (or consent) electronic document for the option investment.

Alternatively, the electronic document generation unit 830 may include at least one of customer information, customer investment amount information, and option transaction application (or agreement) information included in the investment application (or agreement) information received through the information receiving unit 815. Generating the document contents including the document contents and capturing the document contents (for example, image contents generated by capturing the document contents on a memory) and customer information included in the investment application (or agreement) information; After at least one of the customer investment information and the option transaction application (or consent) information is included in the watermarking method (12atermarking) method, and the image file containing the image content including the watermarking integrated operation of the small investment for each customer It is advisable to process the investment application (or consent) electronic document for the option investment through

According to another exemplary embodiment of the present invention, the electronic document generation unit 830 may include the customer information, the customer investment amount information, and the option transaction application included in the investment application (or agreement) information received through the information receiving unit 815. Or a predetermined document file including document content including at least one piece of information, and image content (eg, image content generated by capturing the document content on a memory). (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is advisable to process the investment application (or consent) electronic documents for option investment through integrated micro-investment for each customer.

Alternatively, the electronic document generation unit 830 may include at least one of customer information, customer investment amount information, and option transaction application (or agreement) information included in the investment application (or agreement) information received through the information receiving unit 815. Generating the document contents including the document contents and capturing the document contents (for example, image contents generated by capturing the document contents on a memory) and customer information included in the investment application (or agreement) information; A document file (eg, PDF) generating image content including at least one of customer investment information and option transaction application (or consent) information by a watermarking method, and including the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, including at least one or more By creating a document file, or web page files, etc.) that contain MHT, it is preferable to handle the investment application (or accept) the electronic document for the investment options through the customer-specific integrated microfinance investment management.

According to another exemplary embodiment of the present invention, the electronic document generating unit 830 may request customer information, customer investment information, and option transaction included in the investment application (or agreement) information received through the information receiving unit 815. (Or consent) generating document content including at least one information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the investment application (or Agreement) A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) containing information, or an MHT. Web document file, etc.), to process the investment application (or agreement) electronic document for option investment through the small investment integrated operation for each customer It is preferable.

Alternatively, the electronic document generation unit 830 may include at least one of customer information, customer investment amount information, and option transaction application (or agreement) information included in the investment application (or agreement) information received through the information receiving unit 815. Customer information included in the investment application (or agreement) information in the document content including the document content, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory); Generate image content including at least one of customer investment information and option transaction application (or agreement) information by a watermarking method; image content including the watermarking and the investment application (or agreement) information A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) By generating a word processor file containing at least one, or a web document file including the MHT, etc.), it is desirable to process the investment application (or agreement) electronic document for option investment through the integrated micro-investment for each customer. .

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 830 for generating an investment application (or consent) electronic document in an image file format and / or a predetermined document file format. Since the technical features of the file format for the image file and / or the document file corresponding to the investment application (or agreement) electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 835 transmits and stores the investment application (or agreement) electronic document generated by the electronic document generation unit 830 to a predetermined electronic document repository associated with the information registration system. It is done.

As shown in FIG. 8, the electronic document repository is connected to the information registration server 800 on the information registration system with a predetermined electronic document server 845 and an electronic document D / B 865 connected through predetermined communication means. When provided externally, the electronic document transmission unit 835 transmits the investment application (or agreement) electronic document generated by the electronic document generation unit 830 through the communication means. It is characterized in that the transmission to (845).

Herein, when the electronic document server 845 and the electronic document D / B 865 are provided outside the information registration system, the electronic document server 845 and the electronic document D / B 865 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the information registration system, the electronic document transmitting unit 835 is the investment generated by the electronic document generating unit 830. It is possible to store the application (or consent) electronic document in the electronic document D / B 865 corresponding to the electronic document storage on the DBMS provided in the information registration system, whereby the present invention is not limited.

According to the implementation method of the present invention, the electronic document transmission unit 835 is electronic document related information (for example, the investment application (or consent) information for generating predetermined electronic document management information in the electronic document server 845) Customer information transmitted by inputting (selecting) and / or financial institution information transmitting the investment application (or consent) electronic document, and / or electronic document file format information, and / or the investment application (or consent) information. It is possible to further transmit to the electronic document storage, etc., thereby the present invention is not limited.

Referring to FIG. 8, the information registration server 800 may include investment application (or agreement) information received through the information receiving unit 815 through integrated investment management for each customer through the validity checking unit 825. When the validity for the option investment is authenticated, a predetermined storage medium 870 is processed by linking the customer information included in the validated investment application (or agreement) information with the customer investment amount information and the option transaction application (or agreement) information. And an information storage unit 840 for storing the information.

When the validity of the investment application (or agreement) information is confirmed by the validity confirmation unit 825, the information storage unit 840 may include the customer information and the customer investment amount information included in the investment application (or agreement) information. The option transaction application (or agreement) information is stored in the storage medium 870 by linkage processing, wherein the storage medium 870 is provided in the information registration server 800, or the information registration server 800 If the information storage unit 840 is provided on the network associated with the (1), the information storage unit 840 processes the customer information included in the received investment application (or agreement) information, the customer investment amount information and the option transaction application (or agreement) information. Preferably, the storage medium 870 is stored in the storage medium 870. When the storage medium 870 is provided in a DBMS provided on a financial system, the information storage unit 840 receives the investment application (or consent). Information Including the customer information and customer information and investment options trading application (or accept) information through the FEP system on the financial information provided to step are preferably stored in a DBMS provided on the financial system.

Referring to FIG. 8, a predetermined investment application (or agreement) electronic document is received from the information registration server 800 provided on the information registration system, and stored and managed in a predetermined electronic document D / B 865. The electronic document server 845 includes an electronic document receiving unit 850 for receiving a predetermined investment application (or agreement) electronic document from the information registration server 800 through a predetermined communication means, and the received investment application (or Consent) an information generation unit 855 for generating predetermined electronic document management information for storing and managing an electronic document in the electronic document D / B 865; and the electronic document management information and the investment application (or agreement). And an electronic document storage unit 860 for linking and processing the electronic document and storing the electronic document in the predetermined electronic document D / B 865.

The electronic document receiving unit 850 may receive an investment application (or agreement) electronic document in the form of an image file and / or a document file from the information registration server 800 through the communication means.

According to an exemplary embodiment of the present invention, the investment application (or agreement) electronic document received by the electronic document receiving unit 850 through the communication means is received by the information registration server 800 from the information registration terminal 880. A document file (eg, a Portable Document Format (PDF) file) containing document information including at least one of customer information included in an investment application (or consent) information, customer investment information, and optional transaction application (or consent) information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the investment application (or agreement) that the electronic document receiving unit 850 receives through the communication means is the investment application (or agreement) that the information registration server 800 receives from the information registration terminal 880. In the document contents including at least one of the customer information, the customer investment information and the option transaction application (or consent) information included in the information, the customer information and the customer investment information and the option transaction application ( Or (consent) information including at least one or more information in a 12atermarking manner, and then a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) file containing document content including the watermarking. File), or a word processor file including at least one of HWP / DOC, or a web document file including MHT). This is preferred.

Alternatively, the investment application (or agreement) that the electronic document receiving unit 850 receives through the communication means may be an investment application (or agreement) that the information registration server 800 receives from the information registration terminal 880. Image content (e.g., an image generated by capturing the document content on a memory) that captures document content including at least one of customer information included in the information, customer investment fund information, and option transaction application (or consent) information It is preferably made to include an image file containing the content).

Alternatively, the investment application (or agreement) that the electronic document receiving unit 850 receives through the communication means is the investment application (or agreement) that the information registration server 800 receives from the information registration terminal 880. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of customer information included in the information, customer investment fund information, and option transaction application (or consent) information. ) At least one or more of the customer information included in the investment application (or agreement) information, the customer investment information and the option transaction application (or agreement) information in a watermarking (12atermarking) method, the watermarking is included It is preferable to include an image file containing the image content.

According to another embodiment of the present invention, the investment document (or agreement) electronic document received by the electronic document receiving unit 850 through the communication means is the information registration server 800 from the information registration terminal 880 Image content (e.g., the document content) which captures document content including at least one of customer information included in the received investment application (or consent) information, customer investment fund information, and optional transaction application (or consent) information. To a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including an image content generated by capturing the image on a memory. File, or a web document file including MHT).

Alternatively, the investment application (or agreement) that the electronic document receiving unit 850 receives through the communication means is the investment application (or agreement) that the information registration server 800 receives from the information registration terminal 880. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of customer information included in the information, customer investment fund information, and option transaction application (or consent) information. Generate image content including at least one of customer information included in the investment application (or agreement) information, at least one of customer investment information and option transaction application (or agreement) information in a watermarking manner, Document files containing image content including watermarking (eg, Portable Document Format (PDF) files, or Electronic Data Interchan) ge) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the investment registration (or agreement) electronic document received by the electronic document receiving unit 850 through the communication means is the information registration server 800 the information registration terminal 880 Image content (eg, the document content) which captures document content including at least one of customer information included in the investment application (or consent) information received from the client, customer investment information and the option transaction application (or consent) information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing the image content generated by capturing the image in memory and the investment application (or consent) information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the investment application (or agreement) that the electronic document receiving unit 850 receives through the communication means is the investment application (or agreement) that the information registration server 800 receives from the information registration terminal 880. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of customer information included in the information, customer investment fund information, and option transaction application (or consent) information. Generate image content including at least one of customer information included in the investment application (or agreement) information, at least one of customer investment information and option transaction application (or agreement) information in a watermarking manner, A document file (eg, Portable Document Forma) containing image content including watermarking and the investment application (or consent) information. t) a file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

The information generating unit 855 is a predetermined electronic document unique number (or unique information) to be assigned to the investment application (or agreement) electronic document received through the electronic document receiving unit 850, and the electronic document receiving unit 850 Electronic document management information, including electronic document storage date and time information, including a date and time that the investment application (or consent) electronic document was received (or a date and time the investment application (or consent) electronic document was stored). It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 855 refers to the information registration server 800 that transmits the investment application (or agreement) electronic document received through the electronic document receiving unit 850. It is preferable to identify the financial institution that has sent the investment application (or consent) electronic document and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 800 through the electronic document receiving unit 850, the information generating unit 855 receives the received information. Customer information transmitted by inputting (selecting) the electronic document related information (eg, the investment application (or consent) information, and / or financial institution information transmitting the investment application (or consent) electronic document, and / or electronic It is preferable to generate electronic document management information further including document file format information, and / or the investment application (or consent) information.

The electronic document storage unit 860 associates the investment application (or agreement) electronic document received through the electronic document receiving unit 850 with the electronic document management information generated through the information generating unit 855 to perform a predetermined process. Characterized in that stored in the electronic document D / B (865).

According to the exemplary embodiment of the present invention, the investment registration (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is registered by the information registration server 800. Document files (eg, PDFs) including document contents including at least one of customer information included in the investment application (or agreement) information received from the terminal 880 and customer investment information and option transaction application (or agreement) information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is received by the information registration server 800 from the information registration terminal 880. Customer information and customer investments included in the investment application (or consent) information in document content including at least one of the customer information included in the investment application (or consent) information and the customer investment information and the option transaction application (or consent) information. A document file (eg, a Portable Document Format (PDF) file) containing document content including the watermarking after including at least one of information and option trading application (or consent) information in a watermarking manner; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information included in the investment application (or agreement) information, customer investment information, and option transaction application (or agreement) information (eg, the document content is stored on the memory). It is preferable to include an image file including the image content generated by capture.

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information included in the investment application (or agreement) information, customer investment information, and option transaction application (or agreement) information (eg, the document content is stored on the memory). Image content generated by capturing and including at least one or more of customer information included in the investment application (or agreement) information, customer investment amount information, and option transaction application (or agreement) information by 12atermarking, Preferably, the image file includes an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the investment registration (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is the information registration server 800 the information. Image content capturing document content including at least one of customer information included in the investment application (or agreement) information received from the registration terminal 880, customer investment amount information, and optional transaction application (or agreement) information ( For example, at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the document content generated by capturing the document content on a memory. Or a web document file including the MHT).

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information included in the investment application (or agreement) information, customer investment information, and option transaction application (or agreement) information (eg, the document content is stored on the memory). An image including at least one or more of the customer information included in the investment application (or consent) information, the customer investment amount information, and the option transaction application (or consent) information in a captured and generated image content) by a watermarking method. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interch) file) that generates content and includes image content including the watermarking. ange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the investment registration (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is performed by the information registration server 800. Image content capturing document content including at least one of customer information included in the investment application (or consent) information received from the information registration terminal 880, customer investment amount information, and optional transaction application (or consent) information. (E.g., image content generated by capturing the document content on a memory) and a predetermined document file (e.g., a Portable Document Format (PDF) file, or Electronic Data Interchange (EDI) file) containing the investment application (or agreement) information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the investment application (or agreement) electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information included in the investment application (or agreement) information, customer investment information, and option transaction application (or agreement) information (eg, the document content is stored on the memory). An image including at least one or more of the customer information included in the investment application (or consent) information, the customer investment amount information, and the option transaction application (or consent) information in a captured and generated image content) by a watermarking method. A document file (eg, a Portable Document Form) that generates content and includes image content including the watermarking and the investment application (or agreement) information. at) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 865 by the electronic document storage unit 860 in association with the investment application (or agreement) electronic document, the It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the investment application (or consent) electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by the electronic document storage unit 860 in association with the investment application (or agreement) electronic document is stored in the electronic document storage unit 860. It is preferable to further include information on the financial institution that transmitted the investment application (or agreement) electronic document confirmed with reference to the information registration server 800 that sent the investment application (or consent) electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 800, the electronic document storage unit 860 is associated with the investment application (or agreement) electronic document. Electronic document management information that is processed and stored in the electronic document D / B 865 includes customer information transmitted by inputting (selecting) the received electronic document related information (eg, the investment application (or agreement) information), and And / or financial institution information for transmitting the investment application (or consent) electronic document, and / or electronic document file format information, and / or the investment application (or consent) information, etc.).

Figure 9 is the investment application (or consent) information stored in the ledger D / B (900) provided in the DBMS on the financial system in a non-face-to-face for the option investment through the customer-specific small investment integrated operation according to an embodiment of the present invention It is a figure which shows a structure.

In more detail, in FIG. 9, when the storage medium 870 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 An information structure for an implementation method of storing investment application (or agreement) information including the customer information, customer investment amount information, and option transaction application (or agreement) information is shown, and is commonly used in the art. Those skilled in the art will be able to infer various information construction methods for storing the investment application (or consent) information in the ledger D / B 900 by referring to and / or modifying the drawing 9. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 900 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 9, the investment application (or agreement) information provided through the information registration system shown in FIG. 8 is stored in the form of additional information added to the customer ledger, and the investment application (or agreement). The information may include at least one of customer information, customer investment money information, and option transaction application (or agreement) information.

Here, the customer information included in the investment application (or agreement) information stored in the form of additional information added to the customer ledger includes a CIF number for linking the customer ledger and the investment application (or agreement) information. It is preferable.

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation of the customer's application (or agreement) to invest the customer investment in at least one or more option products. It is desirable to include information to secure nonrepudiation.

According to the implementation method of the present invention, when the investment application (or agreement) information is received from the financial institution (or certification institution) to the customer, the electronic certificate of the customer is attached to the customer ledger, Preferably, the option transaction application (or agreement) information included in the investment application (or agreement) information stored in the form of additional information added includes electronic signature information of the customer.

Alternatively, when the investment application (or consent) electronic document is stored in a predetermined electronic document repository, the option transaction application (or consent) included in the investment application (or consent) information stored in the form of additional information added to the customer ledger (or (Consent) The information preferably includes the electronic document information.

According to another embodiment of the present invention, the investment application (or consent) information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Can be stored in the form of additional information added to the) and / or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

10 is an application for investment stored in a database linked to the ledger D / B (1000) provided in the DBMS on the financial system in a non-face-to-face for option investment through the integration of small investments per customer according to another embodiment of the present invention (Or agreement) It is a figure which shows information structure.

More specifically, FIG. 10 shows information on an exemplary method in which the storage medium 1005 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 1000 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 10 to transfer the investment application (or agreement) information to a predetermined database. 1000 may be inferred from various methods of configuring information stored in association with the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In particular, in FIG. 10, when it is not easy to store the investment application (or agreement) information in the ledger information of the ledger D / B 1000 on the DBMS provided on the financial system (for example, in accordance with the policy of a financial institution) If it is not easy to change the ledger D / B 1000 of the DBMS or if the system expansion is not easy due to the characteristics of the financial system, the investment application (or the predetermined database instead of the ledger D / B 1000) Agreement) to store the information, and the database and the ledger D / B (1000) in association with the stored method.

In addition, the database shown in FIG. 10 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database stores and stores the customer information included in the investment application (or agreement) information, the customer investment amount information, and the option transaction application (or agreement) information in association with each other. Or consent) information further comprises a CIF number corresponding to the ledger information in the investment application (or agreement) information in order to be processed in conjunction with the ledger D / B (1000).

Here, the customer information included in the investment application (or agreement) information that is processed in association with the ledger D / B 1000 is matched with the customer ledger provided in the ledger D / B 1000 through the CIF number It is omitted.

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation that the customer has applied for (or agreed to) investing the customer investment in at least one option product. It is preferable to include information for securing Nonrepudiation.

According to the implementation method of the present invention, when the investment application (or agreement) information is received from the financial institution (or certification authority) to the customer, the electronic certificate of the customer is attached, the ledger D / Preferably, the option transaction application (or agreement) information included in the investment application (or agreement) information linked to B 1000 includes the electronic signature information of the customer.

Alternatively, when the investment application (or agreement) electronic document is stored in a predetermined electronic document repository, the option transaction application (or agreement) included in the investment application (or agreement) information that is processed in association with the ledger D / B 1000. (Consent) The information preferably includes the electronic document information.

FIG. 11 is a diagram illustrating an investment application (or agreement) information structure stored in a DBMS provided in a banking server in a non-face-to-face manner for option investment through integrated small-scale investment management for each customer according to another embodiment of the present invention. .

In more detail, FIG. 11 illustrates a predetermined banking system in which the storage medium 1005 shown in FIG. 8 is provided on an Internet banking system, a tele banking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of constructing information on investment application (or consent) information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

Referring to FIG. 11, a predetermined DBMS provided in the banking server associates and stores customer information included in the investment application (or agreement) information, customer investment amount information, and option transaction application (or agreement) information. It features.

Here, the customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the investment application (or consent), and the member information of the customer ( For example, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation of the customer's application (or agreement) to invest the customer investment in at least one or more option products. It is desirable to include information to secure nonrepudiation.

According to the implementation method of the present invention, when the investment application (or agreement) information is received from the financial institution (or certification authority) to the customer, the electronic certificate of the customer is attached to the banking server, Preferably, the option transaction application (or agreement) information included in the investment application (or agreement) information included in a predetermined DBMS includes the electronic signature information of the customer.

Alternatively, when the investment application (or agreement) electronic document is stored in a predetermined electronic document repository, the option transaction application included in the investment application (or agreement) information included in a predetermined DBMS provided in the banking server ( Or consent) information preferably includes the electronic document information.

12A and 12B illustrate a process of registering investment application (or agreement) information in a non-face-to-face manner for option investment through integrated micro-investment management for each customer according to one embodiment of the present invention.

12A and 12B show that the information registration terminal on the information registration system shown in FIG. 8 is a client terminal, and the information registration server has a web server function to which the client terminal can be connected through a predetermined network means. In this case, an investment application including at least one of customer information, customer investment information, and option transaction application (or agreement) information through the client terminal for option investment by a predetermined customer through the small investment integrated operation for each customer ( Or consent) information, the information registration system generates a predetermined investment application (or consent) electronic document including the provided investment application (or consent) information and stores it in a predetermined electronic document storage, and the investment application (Or consent) the above-mentioned customer information, customer investment information, and optional transaction requests ( Is an implementation method of linking and storing information in a predetermined storage medium 1005. Those skilled in the art may refer to and / or refer to FIGS. 12A and 12B. It will be possible to infer various implementation methods for registering the investment application (or consent) information from the client terminal to the information registration server by modifying, but the present invention includes all the implementation methods inferred, this figure 12a and the figure It is not limited to the implementation method shown in 12b.

For example, in the implementation method shown in FIGS. 12A and 12B, the client terminal provides a user interface for inputting (or selecting) the investment application (or agreement) information through a predetermined web page provided by the information registration server. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server, and the present invention is not limited thereto.

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server shown in FIG. 8 is referred to as " server " for convenience, and the information is registered in the client terminal. The customer information, customer investment fund information, and option transaction application (or agreement) information transmitted to the server are referred to as "investment application (or agreement) information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, When requesting a web page including a user interface for option investment through integrated micro-investment for each customer (1200), the server correspondingly includes at least the customer information, the customer investment information and the option transaction application (or consent) information. Web page that includes a user interface for inputting (or selecting) investment application (or consent) information that includes one or more information and transmitting it to the server. And generate (or extract) 1205, and transmit and output a web page including the generated (or extracted) user interface to the terminal through the network means (1210).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the investment application (or agreement) information registration procedure. This is not limited.

Thereafter, the terminal inputs (or selects) investment application (or agreement) information including at least one or more customer information, customer investment amount information, and option transaction application (or agreement) information through a user interface included in the web page ( 1215).

If the terminal receives (or selects) investment application (or consent) information including the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the user interface (1220), the terminal receives the The input (or selected) customer information, the customer investment information and the option transaction application (or agreement) information are transmitted to the server through the communication channel (1225).

According to an embodiment of the present invention, the terminal requests the investment application (or consent) from the server to the investment application (or agreement) information including at least one of the customer information, customer investment information and the option transaction application (or agreement) information. ) At least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or an OTP code generated through a predetermined one time password (OTP) generator. It is desirable to send to the server.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric) of the investment application (or agreement) information including at least one of the customer information, the customer investment information, and the option transaction application (or agreement) information. Key-based encryption, and / or public key-based encryption, and / or electronic envelope-based encryption, and / or key-exchange-based encryption, etc.) and / or as specified in the investment application (or consent) information. It is preferable to transmit the digital signature to the server through the network means, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a predetermined certificate, and / or the certificate is placed on a predetermined IC chip (or IC card) If bidoen is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric) of the investment application (or agreement) information including at least one of the customer information, the customer investment information, and the option transaction application (or agreement) information. Key-based encryption method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC chip. (Or IC card), for checking the certificate of authentication provided in the IC chip (or IC card) Laundry is preferably provided with a further.

Those skilled in the art to which the present invention pertains can attach technical features to various encryption schemes for encrypting the investment application (or agreement) information, and attach a predetermined electronic signature to the investment application (or agreement) information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the customer investment fund information, and the option transaction application (or agreement) information through the communication channel to confirm the validity of the investment application (or agreement) information (1230).

According to an embodiment of the present invention, the investment application (or agreement) information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme), the server converts the encrypted investment application (or agreement) information into at least one decryption scheme (eg, symmetric key based decryption scheme, and / or the like) corresponding to the encryption scheme. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate the validity of the received investment application (or consent) information.

Alternatively, when a predetermined electronic signature is attached to the investment application (or consent) information, the server verifies the electronic signature attached to the investment application (or consent) information, thereby receiving the received investment application (or consent) information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted investment application (or agreement) information, and an electronic signature attached to the investment application (or agreement) information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the investment application (or agreement) information received through the information receiver according to the embodiment of the present invention further includes a predetermined password for checking the validity of the investment application (or agreement) information, the server is It is preferable to authenticate the validity of the received investment application (or agreement) information by comparing and authenticating the password received included in the investment application (or agreement) information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the investment application (or agreement) information received through the information receiving unit further includes predetermined security card information for confirming the validity of the investment application (or agreement) information, the server requests the investment application. (Or consent) comparing the received security card information with the security card information provided corresponding to the customer on the DBMS, and authenticating the validity of the received investment application (or consent) information. desirable.

Alternatively, when the investment application (or agreement) information received through the information receiving unit further includes a predetermined OTP code for checking the validity of the investment application (or agreement) information, the server requests the investment application ( Or the OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS and authenticated, thereby receiving the received investment application (or agreement) information. It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validation of the investment application (or agreement) information is matched with the investment application (or agreement) information in the ledger D / B (1000) on the financial system associated with the information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity verification unit of the information contained in the investment application (or consent) information, the customer information (customer personal information, member information, etc.) is ledger D / B (1000) on the financial system associated with the information registration system It is desirable to include a check that matches the customer ledger stored in).

If the validity of the investment application (or consent) information is not authenticated (1235), the server generates a web page including the predetermined information registration error information and transmits it to the terminal (1240), and the investment application ( Or consent) Do not perform information registration procedures corresponding to the information.

On the other hand, if the validity of the investment application (or agreement) information is authenticated (1235), the server at least one or more customer information, including the investment application (or agreement) information, customer investment information and option transaction application (or agreement) A predetermined document content including information is generated (1245), and a predetermined investment application (or consent) electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment amount information, and option transaction application (or agreement) information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably treated as an investment application (or agreement) electronic document for option investment through integrated micro-investment for each customer.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment amount information, and option transaction application (or agreement) information, and the document content is added to the document content. After at least one of the customer information included in the investment application (or consent) information, the customer investment information and the option transaction application (or consent) information is included in a watermarking (12atermarking) method, the document content including the watermarking is included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to process the investment application (or agreement) electronic document for option investment through integrated micro-investment for each customer.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. An image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) may be transferred to an investment application (or agreement) electronic document for option investment through integrated micro-investment for each customer. It is preferable to process.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. Among the customer information included in the investment application (or agreement) information, the customer investment information, and the option transaction application (or agreement) information in the captured image content (eg, the image content generated by capturing the document content on the memory) After applying at least one or more information in a 12atermarking manner, an application for investment (or consent) for an option investment through the integrated micro-investment for each customer by including an image file including the image content including the watermarking It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, customer investment amount information, and option transaction application (or agreement) information included in the received investment application (or agreement) information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and generating the captured document content. By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the investment application (or consent) electronically.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. Among the customer information included in the investment application (or agreement) information, the customer investment information, and the option transaction application (or agreement) information in the captured image content (eg, the image content generated by capturing the document content on the memory) Generate image content including at least one or more information by a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ), A word processor file including at least one or more HWP / DOC, etc., or a web document containing the MHT By creating work, etc.), it is preferable to handle the investment application (or accept) the electronic document for the investment options through the customer-specific integrated microfinance investment management.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, customer investment information, and option transaction application (or agreement) information included in the received investment application (or agreement) information. A predetermined document file including an image content (eg, image content generated by capturing the document content on a memory) and the investment application (or agreement) information; By generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to process the investment application (or consent) electronic documents for option investment through integrated investment management.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. Among the customer information included in the investment application (or agreement) information, the customer investment information, and the option transaction application (or agreement) information in the captured image content (eg, the image content generated by capturing the document content on the memory) Create image content including at least one or more information by 12atermarking, and include a document file (eg, PDF (Portable Document Format) containing the watermarking image content and the investment application (or agreement) information. Word processor including at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. By generating a file, or a web document file including the MHT, etc.), it is preferable to process the investment application (or agreement) electronic document for option investment through the small investment integrated operation for each customer.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the investment application (or Consent) Since you will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic documents, detailed descriptions thereof will be omitted for convenience.

Thereafter, the server stores the generated investment application (or agreement) electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the information registration system through predetermined communication means, the server Preferably, the generated investment application (or agreement) electronic document is transmitted to the electronic document server through the communication means and stored in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server sends the generated investment application (or consent) electronic document to an electronic document storage on a DBMS provided in the information registration system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the investment application (or agreement) electronic document in the electronic document repository, by linking the generated investment application (or agreement) electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the investment application (or agreement) electronic document.

In addition, the electronic document management information transmits a predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the investment application (or agreement) information, and / or the investment application (or agreement) electronic document). Financial institution information, and / or electronic document file format information, and / or the investment application (or agreement) information).

If the investment application (or agreement) electronic document is stored in the electronic document repository (1260), the server requests the customer information, the customer investment information and the option transaction application (or agreement) included in the investment application (or agreement) information. Information stored in a predetermined storage medium (1005) (1265), predetermined information registration history information (e.g., details of storing the investment application (or agreement) electronic document in the electronic document storage, and /) Alternatively, the storage medium 1005 generates (or extracts) the details of storing the investment application (or agreement) information and transmits the generated information to the terminal (1270).

According to one embodiment of the invention, the storage medium 1005 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1005 may be a ledger D / B 1000 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1000, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 1005 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a process of registering investment application (or agreement) information through a non-face-to-face financial transaction channel for option investment through integrated micro-investment for each customer according to one embodiment of the present invention. Drawing.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case where the information registration system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, on the information registration system shown in FIG. 8). In the case where the information registration server is an Internet banking server), the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and performs a predetermined customer authentication procedure. When the terminal transmits predetermined investment application (or agreement) information for option investment through the integrated micro investment of each customer to the Internet banking server, the Internet banking server includes the received investment application (or agreement) information. Generate a prescribed investment application (or consent) electronic document, store it in a predetermined electronic document storage, and apply for the investment application (or The method of the present invention relates to an implementation method of linking and processing the customer information, the customer investment information, and the option transaction application (or agreement) information included in the information in a predetermined storage medium 1005. Those skilled in the art can infer various implementation methods for registering the investment application (or consent) information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 13a, 13b and 13c. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering an investment application (or agreement) information between the client terminal and the internet banking server based on the browser program is illustrated, it is common knowledge in the technical field to which the present invention pertains. In the case of a person having the above, the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13A, 13B, and 13C is referred to and / or modified based on a predetermined Internet banking program mounted on the client terminal. The client terminal and the internet bang Although it may be possible to infer a method of linking an Internet banking-based financial transaction channel for registration of investment application (or consent) information between king servers, the present invention provides an internet banking-based financial service provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial trading channels for investment application (or consent) information registration. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking system. The configuration is by no means limited to the case of the Internet banking shown in FIGS. 13A, 13B, and 13C.

In the following FIGS. 13A, 13B and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the web browser.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and also from the terminal to the server for registration of investment application (or agreement) information. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registration of investment application (or agreement) information in the terminal. Attach certain electronic signatures and / or at least When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined investment application (or agreement) information for option investment through integrated micro-investment investment for each customer from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for option investment through the integrated micro-investment for each customer through the internet banking-based financial transaction channel (1300b), the server correspondingly Generate (or select) a web page including a user interface for inputting (or selecting) investment application (or consent) information including at least one of customer information, customer investment fund information, and optional transaction application (or consent) information; (Or extract) 1305b, and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page inputs (or selects) investment application (or agreement) information including at least one of customer information, customer investment information, and option transaction application (or agreement) information in the terminal. It may preferably comprise a user interface, and / or predetermined password and / or security card information (e.g., internet banking) to validate the Internet banking customer requesting to register the investment application (or consent) information. The security card information printed on the security card issued to the customer during the application process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application) Or a one-time password generated through an OTP authentication program). Is recommended.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the investment application (or agreement) information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) investment application (or agreement) information including at least one of the customer information, the customer investment amount information, and the option transaction application (or agreement) information through the information registration interface (1315b).

If the terminal receives (or selects) investment application (or agreement) information including the customer information, the customer investment information, and the option transaction application (or agreement) information through the user interface (1320b), the terminal receives the The input (or selected) investment application (or agreement) information is transmitted to the server through a financial transaction channel (1325b).

According to an embodiment of the present invention, the terminal requests the investment application (or consent) from the server to the investment application (or agreement) information including at least one of the customer information, customer investment information and the option transaction application (or agreement) information. ) At least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or an OTP code generated through a predetermined one time password (OTP) generator. It is desirable to send to the server.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric) of the investment application (or agreement) information including at least one of the customer information, the customer investment information, and the option transaction application (or agreement) information. Key-based encryption, and / or public key-based encryption, and / or electronic envelope-based encryption, and / or key-exchange-based encryption, etc.) and / or as specified in the investment application (or consent) information. It is preferable to transmit the digital signature to the server through the network means, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a predetermined certificate, and / or the certificate is placed on a predetermined IC chip (or IC card) If bidoen is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric) of the investment application (or agreement) information including at least one of the customer information, the customer investment information and the option transaction application (or agreement) information. Key-based encryption method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC chip. (Or IC card), for checking the certificate of authentication provided in the IC chip (or IC card) Laundry is preferably provided with a further.

Those skilled in the art to which the present invention pertains can attach technical features to various encryption schemes for encrypting the investment application (or agreement) information, and attach a predetermined electronic signature to the investment application (or agreement) information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the investment application (or agreement) information through the financial transaction channel to confirm the validity of the investment application (or agreement) information (1330b).

According to an embodiment of the present invention, the investment application (or agreement) information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme), the server converts the encrypted investment application (or agreement) information into at least one decryption scheme (eg, symmetric key based decryption scheme, and / or the like) corresponding to the encryption scheme. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate the validity of the received investment application (or consent) information.

Alternatively, when a predetermined electronic signature is attached to the investment application (or consent) information, the server verifies the electronic signature attached to the investment application (or consent) information, thereby receiving the received investment application (or consent) information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted investment application (or agreement) information, and an electronic signature attached to the investment application (or agreement) information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the investment application (or agreement) information received through the information receiver according to the embodiment of the present invention further includes a predetermined password for checking the validity of the investment application (or agreement) information, the server is It is preferable to authenticate the validity of the received investment application (or agreement) information by comparing and authenticating the password received included in the investment application (or agreement) information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the investment application (or agreement) information received through the information receiving unit further includes predetermined security card information for confirming the validity of the investment application (or agreement) information, the server requests the investment application. (Or consent) comparing the received security card information with the security card information provided corresponding to the customer on the DBMS, and authenticating the validity of the received investment application (or consent) information. desirable.

Alternatively, when the investment application (or agreement) information received through the information receiving unit further includes a predetermined OTP code for checking the validity of the investment application (or agreement) information, the server requests the investment application ( Or the OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS and authenticated, thereby receiving the received investment application (or agreement) information. It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validation of the investment application (or agreement) information is matched with the investment application (or agreement) information in the ledger D / B (1000) on the financial system associated with the information registration system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity verification unit of the information contained in the investment application (or consent) information, the customer information (customer personal information, member information, etc.) is ledger D / B (1000) on the financial system associated with the information registration system It is desirable to include a check that matches the customer ledger stored in).

If the validity of the investment application (or agreement) information is not authenticated (1335b), the server generates a web page including the predetermined information registration error information and transmits it to the terminal (1340b), and the investment application ( Or consent) Do not perform information registration procedures corresponding to the information.

On the other hand, if the validity of the investment application (or agreement) information is authenticated (1335b), the server includes at least one customer information including the investment application (or agreement) information, customer investment information and option transaction application (or agreement) Generate predetermined document content including information (1345b), and generate a predetermined investment application (or consent) electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment amount information, and option transaction application (or agreement) information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably treated as an investment application (or agreement) electronic document for option investment through integrated micro-investment for each customer.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment amount information, and option transaction application (or agreement) information, and the document content is added to the document content. After at least one of the customer information included in the investment application (or consent) information, the customer investment information and the option transaction application (or consent) information is included in a watermarking (12atermarking) method, the document content including the watermarking is included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the investment application (or agreement) electronic document for option investment through the integrated micro-investment for each customer.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. An image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) may be transferred to an investment application (or agreement) electronic document for option investment through integrated micro-investment for each customer. It is preferable to process.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. Among the customer information included in the investment application (or agreement) information, the customer investment information, and the option transaction application (or agreement) information in the captured image content (eg, the image content generated by capturing the document content on the memory) After applying at least one or more information in a 12atermarking manner, an application for investment (or consent) for an option investment through the integrated micro-investment for each customer by including an image file including the image content including the watermarking It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of customer information included in the received investment application (or agreement) information, customer investment amount information, and option transaction application (or agreement) information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc. It is preferable to process the application (or consent) electronic document.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. Among the customer information included in the investment application (or agreement) information, the customer investment information, and the option transaction application (or agreement) information in the captured image content (eg, the image content generated by capturing the document content on the memory) Generate image content including at least one or more information by a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ), A word processor file including at least one or more HWP / DOC, etc., or a web document containing the MHT By creating work, etc.), it is preferable to handle the investment application (or accept) the electronic document for the investment options through the customer-specific integrated microfinance investment management.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, customer investment information, and option transaction application (or agreement) information included in the received investment application (or agreement) information. A predetermined document file (e.g., image content captured by capturing the document content on the memory) and a predetermined document file (e.g., agreement information) including the investment application (or agreement) information. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to process the investment application (or consent) electronic documents for option investment through integrated micro-investment.

Alternatively, the server generates document content including at least one of customer information included in the received investment application (or agreement) information, customer investment fund information, and option transaction application (or agreement) information, and captures the document content. Among the customer information included in the investment application (or agreement) information, the customer investment information, and the option transaction application (or agreement) information in the captured image content (eg, the image content generated by capturing the document content on the memory) Create image content including at least one or more information by 12atermarking, and include a document file (eg, PDF (Portable Document Format) containing the watermarking image content and the investment application (or agreement) information. Word processor including at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. By creating one or a web document MHT file containing the like), to treat as an investment application (or accept) the electronic document for the investment options through the customer-specific integrated microfinance investment management and is preferred.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the investment application (or Consent) Since you will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic documents, detailed descriptions thereof will be omitted for convenience.

Thereafter, the server stores the generated investment application (or agreement) electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the information registration system through predetermined communication means, the server Preferably, the generated investment application (or agreement) electronic document is transmitted to the electronic document server through the communication means and stored in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server sends the generated investment application (or consent) electronic document to an electronic document storage on a DBMS provided in the information registration system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the investment application (or agreement) electronic document in the electronic document repository, by linking the generated investment application (or agreement) electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the investment application (or agreement) electronic document.

In addition, the electronic document management information transmits a predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the investment application (or agreement) information, and / or the investment application (or agreement) electronic document). Financial institution information, and / or electronic document file format information, and / or the investment application (or agreement) information).

If the investment application (or consent) electronic document is stored in the electronic document repository (1360c), the server requests the customer information, the customer investment information and the option transaction application (or agreement) included in the investment application (or agreement) information. Information stored in a predetermined storage medium (1005) (1365c), the information registration history information (e.g., the details of storing the investment application (or agreement) electronic document in the electronic document storage, and / Alternatively, the storage medium 1005 generates (or extracts) the details of storing the investment application (or agreement) information and transmits the generated information to the terminal (1370c).

According to one embodiment of the invention, the storage medium 1005 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1005 may be a ledger D / B 1000 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1000, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 1005 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Figure 14 shows the configuration of the investment deposit system for the option investment through the customer-specific small investment integrated operation according to an embodiment of the present invention.

In more detail, in FIG. 14, the option investment through the small investment integrated operation for each customer is pre-approved through the information registration system shown in FIGS. 1 and / or 8, and the customer information is stored in a predetermined storage medium 1420. If at least one customer investment information and option application (or consent) information are stored in association with each other, the option trading account of a predetermined option trading service provider (eg, a bank, etc.) based on the information stored in the storage medium 1420. The present invention relates to a method for establishing a predetermined virtual account having a parent account and depositing a small investment amount for each customer in the virtual account.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 14 to infer various implementation methods for the construction of an investment deposit system for option investment through the integrated micro-investment for each customer. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

In accordance with an embodiment of the present invention, the investment deposit system for option investment through the integrated micro-investment operation of the customer, the customer information and the customer investment amount registered through the information registration system shown in Figure 1 and / or Figure 8 A storage medium 1420 for storing at least one information and an application for option transaction (or consent) in association with each other, and an investment amount for depositing an amount corresponding to the customer investment information stored in the storage medium 1420 as an option transaction deposit amount; It comprises a deposit server 1400, and a financial system in which the option trading account of the option trading service provider is opened.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

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

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

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

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

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

The storage medium 1420 associates and stores at least one of the customer information, the customer investment information, and the option transaction application (or consent) information registered through the information registration system illustrated in FIGS. 1 and / or 8. It is characterized by.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation of the customer's application (or agreement) to invest the customer investment in at least one or more option products. It is desirable to include information to secure nonrepudiation.

Referring to FIG. 14, the investment deposit server 1400 may include an information confirming unit 1415 for confirming customer information and customer investment information associated with the option transaction application (or agreement) information, and in connection with the financial system. The virtual account establishment unit 1410 which opens a virtual account to which the customer investment information is to be deposited, and deposits (or transfers) into the virtual account by processing the customer investment as an option transaction deposit amount of the customer in connection with the financial system. An investment deposit unit 1405 is provided.

The information checking unit 1415 associates and processes at least one of the customer information, the customer investment information, and the option transaction application (or consent) information registered through the information registration system shown in FIGS. 1 and / or 8. Checking at least one or more customer information associated with the option transaction application (or consent) information from the storage medium 1420 to be stored, and checks the customer investment information stored in association with the confirmed customer information.

The virtual account opening unit 1410 opens a predetermined virtual account in which the customer investment is to be deposited (and / or paid for the option transaction) using the option trading account of the option trading service provider as a parent account in the name of the customer. It is done.

According to an embodiment of the present invention, the virtual account opening unit 1410 generates virtual account ledger information for depositing the customer investment (and / or paying the option transaction) based on the customer information, and the financial system. Generating the virtual account ledger associated with the option trading account of the option trading service provider provided in the ledger D / B, and storing the generated virtual account ledger information in the virtual account ledger, thereby It is preferable to open a predetermined virtual account in which the customer investment is to be deposited (and / or paid for the option transaction) under the name of the customer using the service provider's option trading account as the parent account.

Those skilled in the art of the present invention, by storing the virtual account ledger information and the virtual account ledger in association with the option trading service provider option trading account, option trading of the option trading service provider Since you will be familiar with the technical features of opening a virtual account using the account as the parent account, a detailed description thereof will be omitted for convenience.

The investment depositing unit 1405 withdraws the customer investment from a predetermined customer account in which the customer investment is to be withdrawn in connection with the financial system, and processes the withdrawn customer investment as the option transaction deposit amount of the customer to the virtual account. It is characterized in that the deposit (or transfer) to the virtual account opened by the establishment unit 1410.

According to an embodiment of the present invention, the investment deposit information, which is deposited in the virtual account by processing the customer investment as the option transaction deposit amount of the customer, in the investment deposit deposit unit 1405, is included in the transaction history included in the virtual account ledger. Preferably stored.

According to the implementation method of the present invention, after depositing (or transferring) the customer investment funds into a virtual account having the option trading account as the parent account, the investment depositing unit 1405 deposits (or transfers) details on the customer investment funds. It is desirable to provide the customer with investment deposit information including a.

15 illustrates a process of depositing funds for option investment through integrated micro-investment investment for each customer according to an embodiment of the present invention.

In more detail, in FIG. 15, the option investment through the small investment integrated operation for each customer is pre-approved through the information registration system shown in FIGS. 1 and / or 8, and the customer information is stored in a predetermined storage medium 1420. When at least one customer investment information and an option transaction application (or consent) information are stored in association with each other, the option may be selected based on the information stored in the storage medium 1420 in the investment deposit system shown in FIG. Regarding the process of depositing (or transferring) a virtual account using a trading account as a parent account, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 15 to make a small investment for each customer. Various implementation methods for the investment deposit system configuration for option investment through integrated operation may be inferred. It is made, including any exemplary method inferred group, is not limited that the technical features of only the exemplary method shown in the figure 15.

In the following Figure 15, the point exchange server on the investment deposit system shown in Figure 14 is referred to as "server" for convenience.

Referring to FIG. 15, the server shown on the investment deposit system shown in FIG. 14 uses the information registration system shown in FIG. 1 and / or FIG. Or consent) confirming at least one or more customer information associated with the option transaction application (or agreement) information from the storage medium 1420 which is stored in association with at least one information, and stored in association with the confirmed customer information. Check the customer investment information (1500).

If the customer information and the customer investment information is confirmed (1505), the server is linked to the financial system and the customer investment is deposited (and / or option transaction proceeds payment) using the option trading account of the option trading service provider as a mother account In step 1510, a virtual account of the customer name to be opened is opened.

According to an embodiment of the present invention, the server generates virtual account ledger information for depositing the customer investment (and / or paying the option transaction) based on the customer information, and in connection with the financial system, the ledger D After generating the virtual account ledger associated with the option trading account of the option trading service provider provided in / B, and storing the generated virtual account ledger information in the virtual account ledger, the option trading account of the option trading service provider It is preferable to open a predetermined virtual account in which the customer's investment is to be deposited (and / or pay for the option transaction) under the client's name.

In the technical field to which the present invention pertains, the virtual account ledger information configuration and the virtual account ledger are stored in association with the option trading service provider option trading account, thereby storing the option trading account of the option trading service provider. Since you will be familiar with the technical features of opening a virtual account having a parent account, a detailed description thereof will be omitted for convenience.

Thereafter, the server withdraws the calculated customer investment from at least one or more point operating accounts corresponding to at least one or more point servers in connection with the financial system, and processes the withdrawn customer investment as an optional transaction deposit amount of the customer. Deposit (or transfer) to the opened virtual account (1515), and process the customer investment into the virtual account by depositing (or transferring) the customer investment into the virtual account in connection with the financial system. The point exchange information including the information is stored in the virtual account ledger (1520).

FIG. 16 is a diagram illustrating a face-to-face information registration system for option trading using customer investment according to one embodiment of the present invention.

In more detail, FIG. 16 shows at least one of customer information, option product selection information, and option transaction request amount information for an option transaction using a customer investment amount according to the present invention by a predetermined customer through an information registration interface. If the option transaction request information including the above is provided, the information registration system links the customer information, the option product selection information, and the option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB ( 1630, a person having ordinary skill in the art to which the present invention pertains refers to the configuration of an information registration system for option trading using a customer investment by referring to and / or modifying the drawing 16. Various implementations may be inferred, but the present invention is directed to all implementations inferred above. Inclusion and shall not be limited to the exemplary method shown in the figure 16.

For example, the face-to-face information registration system shown in FIG. 16 is composed of the same system as the information registration system shown in FIG. 1, or a customer investment fund deposited through the investment deposit system shown in FIG. If the option trading service provider automatically selects at least one or more option products, the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 1630 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 1600 " for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, an information registration system for option trading using a customer investment according to the present invention includes an information registration terminal 1635 including a counter terminal provided at at least one financial institution branch. The information registration terminal 1635 is connected to the information registration server 1600 provided on the information registration system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch for an option transaction using the customer investment amount according to the present invention, and the customer (or through a teller) through a window provided at the financial institution branch. After completing a prescribed application for option trading using investment funds (e.g., a document with a form for filling in at least one item of information for option trading using customer investment funds), and submitting the completed application to the counter employee, The teller staff inputs (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information on the information registration system through the financial network. It is preferable to transmit to the information registration server 1600.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 1600 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the teller terminal and the information registration server 1600 preferably comprises a branch network connecting the communication channel between the teller terminal and the information registration server 1600. Do.

In the information registration system as described above, the application prepared by the customer, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 1600 are the customer according to the present invention. Performs the function of the information registration interface for registering the option transaction request information for the option transaction using the investment.

The option operation DB 1630 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 1635. And storing information in a predetermined option operation DB 1630 by interworking the information, and including at least one of the customer information, option product selection information, and option transaction request amount information stored in the option operation DB 1630. The option transaction request information is used for option transactions using customer investment according to the present invention.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who deposited the customer investment through the investment deposit system shown in FIG. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The option product selection information is information for selecting at least one option product for the customer corresponding to the customer information to invest the customer investment deposited through the investment deposit system shown in FIG. 14, and operated by the option trading service provider. And / or identification information of at least one or more options for trading options that can be traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the customer investment funds deposited through the investment deposit system shown in FIG.

According to another embodiment of the present invention, at least one option product (or an option product automatically selected by the option transaction service provider) in which the customer investment amount deposited through the investment deposit system shown in FIG. 14 corresponds to the option product selection information. If all are invested in the), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an embodiment of the present invention, the option operation DB 1630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 1630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 1630 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 1600 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 1635 through a predetermined financial network, 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 an embodiment of the present invention, when the information registration terminal 1635 is a window terminal connected to a predetermined financial network, the information registration server 1600 is connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an exemplary embodiment of the present invention, the information registration server 1600 includes an interface unit 1605 for connecting and managing a predetermined communication channel with the information registration terminal 1635 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 1635 is a window terminal connected to a predetermined financial network, the interface unit 1605 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable 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 financial transaction related program provided in the window terminal.

Referring to FIG. 16, the information registration server 1600 connects a communication channel with the information registration server 1600 through a predetermined information registration terminal 1635 through the interface unit 1605, and then the interface unit ( In operation 1605, the information registration terminal 1635 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined option transaction request information to the information registration terminal 1635. An information receiving unit for receiving a predetermined option transaction request information that is input (or selected) and transmitted from the information registration terminal 1635 through the user interface in cooperation with an interface providing unit 1610 and the interface unit 1605 ( 1615, a validity checking unit 1620 for validating the received option transaction request information, and the customer information and options included in the valid option transaction request information. And an information storage unit 1625 for linking the product selection information and the option transaction request amount information to store in the predetermined option operation DB 1630.

The interface providing unit 1610 is provided in the information registration terminal 1635 after a predetermined information registration terminal 1635 connects a communication channel with the information registration server 1600 through the interface unit 1605. In response to the functional configuration, the user may input (or select) the option transaction request information and generate a predetermined user interface capable of transmitting to the information registration server 1600 through the financial network, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 1605 to the information registration terminal 1635 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 1635 and transmitting the information to the information registration server 1600 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 1610 that provides the user interface to the information registration terminal 1635 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1635 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface. (Or selected) option transaction request information is transmitted to the information registration server 1600 through the financial network.

According to an exemplary embodiment of the present invention, when the information registration terminal 1635 is a window terminal connected to a predetermined financial network, the interface providing unit 1610 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 1605.

The information receiving unit 1615 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information from the information registration terminal 1635 through the user interface. When the data is transmitted through the financial network, the option transaction request information is received in association with the interface unit 1605, and the received option transaction request information is provided to the validity confirming unit 1620.

The validity confirming unit 1620 may verify whether the option transaction request information received from the information registration terminal 1635 satisfies the validity for the option transaction using the customer investment.

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

For example, the validity check unit 1620 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information is virtual, in which the customer investment corresponding to the customer information included in the option transaction request information uses the option transaction account as a mother account through the investment deposit system shown in FIG. It is preferable to include checking whether it is deposited in an account.

When the validity of the option transaction request information is confirmed, the information storage unit 1625 associates and processes the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to the option operation DB ( 1630, the information storage unit when the option operation DB 1630 is provided in the information registration server 1600 or on the network associated with the information registration server 1600. The 1625 is preferably linked to the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information and stored in the option operation DB 1630, wherein the option operation DB ( When the 1630 is provided in the DBMS provided on the financial system, the information storage unit 1625 includes the customer information, option product selection information, and option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

17 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates a case where the information registration server 1600 on the information registration system shown in FIG. 16 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 1600 to connect a communication channel for information registration according to the present invention, and then the customer information and the optional product to the information registration server 1600 through the communication channel. When the option transaction request information including selection information and option transaction request amount information is transmitted, the customer information, option product selection information, and option transaction request amount included in the received option transaction request information are transmitted from the information registration server 1600. The present invention relates to an implementation method of linking and storing information in a predetermined option operation DB 1630, and has a general knowledge in the technical field to which the present invention pertains. However, various implementation methods of registering the option transaction request information with the information registration server 1600 in the terminal may be inferred by referring to and / or modifying the drawing 17. However, the present invention provides all the inferred implementations. It includes a method, and is not limited to the embodiment shown in FIG.

Hereinafter, in Fig. 17, the window terminal shown in Fig. 16 is referred to as a "terminal" for convenience, and the information registration server 1600 shown in Fig. 16 is referred to as a "server" for convenience, and the information is registered in the window terminal. The customer information, the option product selection information, and the option transaction request amount information transmitted to the server 1600 are referred to as "option transaction request information" for convenience.

Referring to FIG. 17, a window terminal shown in FIG. 16 connects a predetermined communication channel for registering the option transaction request information by accessing the server through a predetermined financial network, and using the customer investment fund. When requesting to register the option transaction request information for (1700), the server generates (or extracts) a predetermined information registration interface for registering the option transaction request information (1705), and generates the information through the communication channel. The information registration interface (or extracted) is transmitted to the terminal and output (1710).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (1715).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (1720), the terminal establishes the financial network. In operation 1725, the option transaction request information including the inputted (or selected) customer information, option product selection information, and option transaction request amount information is transmitted to the server.

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the financial network to confirm the validity of the option transaction request information (1730).

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

For example, the validity check unit 1620 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information is virtual, in which the customer investment corresponding to the customer information included in the option transaction request information uses the option transaction account as a mother account through the investment deposit system shown in FIG. It is desirable to include checking that it is deposited in the account.

If the validity of the option transaction request information is not authenticated (1735), the server generates predetermined information registration error information and transmits it to the terminal (1740), and performs an information registration procedure corresponding to the option transaction request information. Do not perform.

On the other hand, if the validity of the option transaction request information is authenticated (1735), the server performs an information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information. The process is stored in the predetermined option operation DB 1630 (1745).

According to an embodiment of the present invention, the option operation DB 1630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 1630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 1630 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1750), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

18 is a diagram illustrating a non-face-to-face information registration system for option trading using customer investment according to another embodiment of the present invention.

In more detail, FIG. 18 shows at least one of customer information, option product selection information, and option transaction request amount information for an option transaction using a customer investment amount according to the present invention to an information registration system through a predetermined information registration interface. When providing the option transaction request information including the above, the predetermined information management DB (1830) by linking the customer information, the option product selection information and the option transaction request amount information included in the provided option transaction request information in the information registration system As a person having ordinary knowledge in the technical field to which the present invention pertains, various information regarding the configuration of an information registration system for option trading using a customer investment may be referred to and / or modified with reference to FIG. It would be possible to infer a method of implementation, but the present invention is directed to all implementations inferred above. Inclusion and shall not be limited to the exemplary method shown in the figure 18.

For example, the non-face-to-face information registration system shown in FIG. 18 is composed of the same system as the information registration system shown in FIG. 8, or a customer investment fund deposited through the investment deposit system shown in FIG. If the option trading service provider automatically selects at least one or more option products to be omitted, the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 1830 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 1800 " for convenience.

Referring to FIG. 18 according to an embodiment of the present invention, an information registration system for option trading using a customer investment according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 1835 including at least one of the information registration terminal 1835 and the information registration server 1800 provided on the information registration system through a predetermined network means. The communication channel is connected.

According to an embodiment of the present invention, the customer accesses the information registration server 1800 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the option transaction request information for the option transaction using the customer investment amount according to the present invention is input (or selected) through at least one user interface provided by the information registration server 1800, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 1800 provided on the information registration system through.

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 a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. 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, and a Personal Communication System (PCS) and / or 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 comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

In addition, the information registration server 1800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 1800 may be a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1800, and inputs and / or selects at least one or more information through the user interface to the information registration server 1800. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 1800) 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 information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 1800 and And / or the wireless network performs a function of an information registration interface for the customer to register the option transaction request information for the option transaction using the customer investment according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 1835 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 1835 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 1800 performs a function of an information registration interface for registering the option transaction request information for the option transaction using the customer investment according to the present invention, and / or the information registration terminal 1835 ) Is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1800 are viewed by the customer. Performs a function of an information registration interface for registering option transaction request information for an option transaction using a customer investment according to the present invention, and / or the information registration terminal 1835 In case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the information registration server 1800 performs a function of an information registration interface for the customer to register the option transaction request information for the option transaction using the customer investment according to the present invention.

The option operation DB 1830 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 1835. And storing the information in a predetermined option operation DB 1830 and linking the information with at least one of the customer information, the option product selection information, and the option transaction request value information stored in the option operation DB 1830. The option transaction request information is used for option transactions using customer investment according to the present invention.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who deposited the customer investment through the investment deposit system shown in FIG. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The option product selection information is information for selecting at least one option product for the customer corresponding to the customer information to invest the customer investment deposited through the investment deposit system shown in FIG. 14, and operated by the option trading service provider. And / or identification information of at least one or more options for trading options that can be traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the customer investment funds deposited through the investment deposit system shown in FIG.

According to another embodiment of the present invention, at least one option product (or an option product automatically selected by the option transaction service provider) in which the customer investment amount deposited through the investment deposit system shown in FIG. 14 corresponds to the option product selection information. If all are invested in the), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to one embodiment of the invention, the option operation DB 1830 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 1830 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 1830 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 1800 provided on the information registration system according to the present invention is a general term for the information registration system side components connected to the information registration terminal 1835 through 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 an embodiment of the present invention, when the information registration terminal 1835 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1800. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal 1835 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 1800 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1800 A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program included in the server (or device), and / or a server (or externally provided on the external system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 1800 is characterized by comprising an interface unit 1805 for connecting and managing a predetermined communication channel with the information registration terminal 1835 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1835 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 1805 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 1805 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 communication program (eg, an internet banking program) provided by the information registration server 1800, the interface unit 1805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a financial automation device connected to a predetermined financial network, the interface unit 1805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 1835 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1805 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 1805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the information registration server 1800, the interface unit 1805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1805 is connected to the wired telephone network and / or It is desirable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 18, the information registration server 1800 connects a communication channel with the information registration server 1800 through the interface unit 1805 through a predetermined information registration terminal 1835, and then the interface unit ( In connection with 1805, the information registration terminal 1835 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined option transaction request information and providing the information registration terminal 1835. An information receiving unit for receiving a predetermined option transaction request information that is input (or selected) and transmitted from the information registration terminal 1835 through the user interface in cooperation with an interface providing unit 1810 and the interface unit 1805 ( 1815, the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information are stored in a predetermined option operation DB 1830. An information storage unit 1825 is provided.

The interface providing unit 1810 is provided in the information registration terminal 1835 after a predetermined information registration terminal 1835 connects a communication channel with the information registration server 1800 through the interface unit 1805. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the option transaction request information and transmitting it to the information registration server 1800 via the network means, and / or a predetermined database (not shown) And the user interface generated (or extracted) in cooperation with the interface unit 1805 to the information registration terminal 1835 via the network means.

Thereafter, the information registration terminal 1835 inputs (or selects) option transaction request information including at least one of the customer information, the option product selection information, and the option transaction request amount information based on the user interface. The option transaction request information (or selection) is transmitted to the information registration server 1800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1835 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 1810. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1805 to the client terminal. It is preferable to provide.

According to another embodiment of the present invention, when the information registration terminal 1835 is a financial automation device connected to a predetermined financial network, the interface providing unit 1810 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a program and / or a communication program, and to provide the client terminal with the generated (or extracted) user interface through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1810 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as a user interface, and generate the user interface (eg, ARS-based user interface) generated by the interface unit 1805 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 1835 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1810 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1805. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 1835 and transmitting the information to the information registration server 1800 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 1810 for providing the user interface to the information registration terminal 1835 may be omitted, and the present invention is not limited thereto.

The information receiving unit 1815 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information through the user interface at the information registration terminal 1835. When transmitting through the network means, the option transaction request information is received in connection with the interface unit 1805, and the received option transaction request information is provided to the validity confirming unit 1820.

The validity confirming unit 1820 may verify whether the option transaction request information received from the information registration terminal 1835 satisfies the validity for the option transaction using the customer investment.

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

For example, the validity confirming unit 1820 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information is virtual, in which the customer investment corresponding to the customer information included in the option transaction request information uses the option transaction account as a mother account through the investment deposit system shown in FIG. It is preferable to include checking whether it is deposited in an account.

When the validity of the option transaction request information is confirmed, the information storage unit 1825 associates the customer information included in the option transaction request information with the option product selection information and the option transaction request amount information to process the option operation DB ( 1830, the information storage unit when the option operation DB 1830 is provided in the information registration server 1800 or on the network associated with the information registration server 1800. 1825 is preferably linked to the customer information included in the received option transaction request information, option product selection information and option transaction request amount information and stored in the option operation DB 1830, the option operation DB ( When the 1830 is provided in the DBMS provided on the financial system, the information storage unit 1825 includes the customer information, option product selection information, and option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

19 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to an embodiment of the present invention.

In more detail, in FIG. 19, when the information registration server 1800 on the information registration system shown in FIG. 18 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 1800 and connecting a communication channel for information registration according to the present invention, the customer information, option product selection information and option transaction request amount to the information registration server 1800 through the communication channel When the option transaction request information including the information is transmitted, the information registration server 1800 associates the customer information, the option product selection information, and the option transaction request amount information included in the received option transaction request information with a predetermined amount. As an implementation method for storing in the option operation DB 1830, those skilled in the art to which the present invention pertains. However, various implementation methods for registering the option transaction request information from the client terminal to the information registration server 1800 by referring to and / or modifying the present invention may be inferred. It includes, but is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 19, the client terminal shown in FIG. 18 is referred to as "terminal" for convenience, and the information registration server 1800 shown in FIG. 18 is called "server" for convenience, and the information is referred to by the client terminal. The customer information, the option product selection information, and the option transaction request amount information transmitted to the registration server 1800 are referred to as "option transaction request information" for convenience.

Referring to FIG. 19, the client terminal illustrated in FIG. 18 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through the communication network and / or IEEE 802.16x based portable Internet, etc. to register the option transaction request information, and requesting the option transaction for option transaction using the customer investment. When requesting information registration (1900), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the option transaction request information (1905), and generates (or retrieves) through the communication channel. The extracted web page is transmitted to the terminal for output (1910).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (1915).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (1920), the terminal receives the communication channel. The input (or selected) customer information, option product selection information, and option transaction request amount information are transmitted to the server (1925).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer information, the option product selection information, and the option transaction request amount information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the selected option transaction request information to the server through electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the communication channel to confirm the validity of the option transaction request information (1930).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

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

For example, the validity confirming unit 1820 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity of the option transaction request information, the customer investment corresponding to the customer information included in the option transaction request information is the mother account through the two-fund deposit system shown in Figure 14 as the parent account It is preferable to include checking whether it is deposited in a virtual account.

If the validity of the option transaction request information is not authenticated (1935), the server generates a web page including predetermined information registration error information and transmits the generated web page to the terminal (1940), corresponding to the option transaction request information. Do not perform the information registration procedure.

On the other hand, if the validity of the option transaction request information is authenticated (1935), the server performs an information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information. Processing is then stored in the predetermined option operation DB 1830 (1945).

According to one embodiment of the invention, the option operation DB 1830 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 1830 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 1830 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1950), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

20A and 20B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to another exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B illustrate that when the information registration system illustrated in FIG. 18 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends the predetermined option transaction request information for the option transaction using the customer investment to the Internet banking server. And the option transaction request information including option product selection information and option transaction request amount information, the customer information, option product selection information and options included in the received option transaction request information from the information registration server 1800. An implementation method of linking transaction request amount information and storing the transaction request amount information in a predetermined option operation DB 1830 As one having ordinary skill in the art to which the present invention pertains, the option transaction request information is registered from the client terminal to the information registration server 1800 by referring to and / or modifying the drawings 20a and 20b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 20A and 20B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 20A and 20B, the browser program Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the option transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 20a and 20b, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. Option trading Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 20a and 20b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering option transaction request information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. The system and / or the wireless banking system and / or TV banking system and / or non-face-to-face channel banking system of the future proposed, including all kinds of non-face-to-channel based financial transactions, the technical configuration of the present invention is shown in FIG. It is by no means limited to the case of Internet banking shown in Figure 20b.

20A and 20B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 1800 is referred to as a "server" for convenience.

20A and 20B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server communicates between the terminal and the server through the browser. (2005a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2010a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (2015a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2025a), or if the terminal does not need to install and / or update the Internet banking security module (2015a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2030a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering option transaction request information in the terminal. (Or data) attaches a predetermined digital signature, and / or encrypts and transmits at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering option transaction request information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2035a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (2060a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined option transaction request information for an option transaction using a customer investment from the terminal to the server.

Subsequently, when the terminal requests the Internet banking-based option transaction request information registration to the server through the inter-banking-based financial transaction channel to register the option transaction request information (2000b), the server registers the option transaction request information. Generate (or extract) a web page corresponding to a predetermined information registration interface (2005b), and transmit and output the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel (2010b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information in the terminal. And / or a predetermined password (e.g., an account password, etc.) and / or security to verify the validity of the internet banking customer requesting registration of the option transaction request information and / or the option transaction request information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution Interface to enter one OTP authenticator (or one-time password generated by OTP authenticator) The it may further include.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information through the information registration interface (2015b).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (2020b), the terminal establishes the financial transaction channel. The input (or selected) option transaction request information is transmitted to the server through 2025b.

According to an embodiment of the present invention, transmitting the input (or selection) option transaction request information through the financial transaction channel to the server, the option transaction request information input (or selection) through the information registration interface It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the option transaction request information through the financial transaction channel to confirm the validity of the option transaction request information (2030b).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

In addition, the validity check of the option transaction request information, it is preferable to further comprise authenticating a password and / or security code and / or OTP included in the option transaction request information.

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

For example, the validity confirming unit 1820 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information is virtual, in which the customer investment corresponding to the customer information included in the option transaction request information uses the option transaction account as a mother account through the investment deposit system shown in FIG. It is preferable to include checking whether it is deposited in an account.

If the validity of the option transaction request information is not authenticated (2035b), the server generates a web page including predetermined option transaction request information registration error information and transmits it to the terminal (2040b), and the option transaction request is requested. Do not perform information registration procedures corresponding to the information.

On the other hand, if the validity of the option transaction request information is authenticated (2035b), the server performs an information registration procedure corresponding to the option transaction request information, so that the customer information and option product selection information included in the option transaction request information and The option transaction request amount information is cooperatively processed and stored in the predetermined option operation DB 1830 (2045b).

According to one embodiment of the invention, the option operation DB 1830 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 1830 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 1830 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined option transaction request information registration history information and transmits it to the terminal (2050b), thereby completing the option transaction request information registration transmitted from the terminal.

21 is a diagram illustrating an option trading system configuration using a customer investment according to an embodiment of the present invention.

More specifically, FIG. 21 illustrates a system configuration for investing a customer investment fund deposited in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14, and is generally known in the art. Those skilled in the art may refer to and / or modify this drawing 21 to infer various implementation methods for the option trading system using the customer investment, but the present invention includes all the implementation methods inferred. However, the technical features are not limited only to the implementation method illustrated in FIG. 21.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 21 so that the information registration system shown in FIGS. 16 and / or 17 is omitted (eg, option trading). When the service provider automatically selects a trading option product, and all the customer investment money exchanged through the investment deposit system shown in FIG. 14 is invested in the trading option product), according to the policy of the option trading service provider. Although it is possible to infer an implementation method of investing a customer investment amount deposited in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14, the present invention includes all the execution methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

An option trading system using a customer investment according to an embodiment of the present invention includes an option operation DB 2145 for storing option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information. An option transaction server 2100 for investing a customer investment in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14 through the option transaction request information stored in the option operation DB 2145. And a financial system having a virtual account in which the customer investment is deposited.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 21, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. 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. Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system includes a virtual account in which the customer investment is deposited through the investment deposit system shown in FIG. 14 and an option trading account corresponding to the parent account of the virtual account. It features.

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

Referring to FIG. 21, an option trading server 2100 that provides an option trading service using the customer investment amount includes an option checking unit 2140 for identifying at least one or more trading option products, and the checked option trading product. An amount confirmation unit 2135 for confirming an option transaction amount for the transaction, and an option transaction amount corresponding to the target option product through the option transaction amount based on an option transaction account corresponding to the parent account of the virtual account in connection with the financial system; It is characterized by comprising an option transaction processing unit 2130 for trading at least one or more contracts.

When the option transaction is made for each customer according to an embodiment of the present invention, the option checking unit 2140 checks at least one option product selection information associated with predetermined customer information from the option operation DB 2145. The amount confirming unit 2135 checks the option transaction request amount associated with predetermined customer information from the option operation DB 2145, and then confirms the transaction target by the option confirming unit 2140. Based on the transaction amount per one contract of the option product, it is characterized in that the option transaction amount of the option transaction to trade the identified options of the transaction options of the option transaction request.

For example, if the amount of transaction per one contract of the confirmed option product to be traded is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the amount confirmation unit 2135 is confirmed to be 20,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

When the option transaction is made by integrating a plurality of customers according to another embodiment of the present invention, the option check unit 2140 is at least one option product associated with at least two or more customer information from the option operation DB (2145) And counting the selection information to confirm the option product selection information selected by more customers, and identifying at least one or more option products corresponding to the identified option product selection information as a transaction target option product, wherein the amount checking unit 2135 adds the option transaction request amount information associated with at least one option product selection information included in the option operation DB 2145 to identify the transaction target option product, and by the option confirmation unit 2140. The sum of the option transaction request sums based on the transaction amount per one contract of the identified option merchandise Of the features that determine the amount of options trading to the transaction confirmed the deal to option items.

For example, if the transaction amount per one contract of the checked option product to be traded is 10,000 won and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the amount confirmation unit 2135 is confirmed as 250,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the option confirmation unit 2140 confirms at least one or more transaction target option products according to the policy of the option transaction service provider. The amount checking unit 2135 may be configured by the option checking unit 2140 of one or more customer investments exchanged through the investment deposit system shown in FIG. 14 according to the policy of the option trading service provider. It is characterized by checking the option transaction amount to trade the identified transaction target option product based on the transaction amount per one contract of the identified transaction target option product.

The option transaction processing unit 2130 is connected to the financial system at least one of the identified option transaction amount based on the option transaction account corresponding to the parent account of the virtual account on the investment deposit system shown in FIG. It is characterized in that for trading at least one or more contracts corresponding to the transaction option product.

Those skilled in the art to which the present invention pertains, the option transaction processing unit 2130 is familiar with the technical characteristics of trading the contract corresponding to the identified at least one option product trading the option transaction amount Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the option transaction processing unit 2130 based on the identified option transaction amount on the basis of the transaction of the at least one or more of the transaction target option products, and generates a predetermined option transaction details corresponding to the option transaction It may be stored in the account ledger corresponding to the option trading account, or by generating the option transaction history for each customer corresponding to the option trading account and stored in the virtual account ledger corresponding to the virtual account using the option trading account as a parent account. .

Referring to FIG. 21, an option transaction server 2100 that provides an option transaction service using the customer investment amount may include an option of checking the expiration of at least one transaction target option product traded by the option transaction processing unit 2130. An expiration check unit 2125, an option profit check unit 2120 for checking a return corresponding to the option transaction on the option expiration date, and if the predetermined option return occurs as a result of the confirmation, the transaction corresponding to the trading option product And a settlement processing unit 2115 for calculating option revenue for each customer, and a settlement processing unit 2110 for setting the option revenue to the customer in response to the option transaction amount.

The option expiration confirming unit 2125 checks whether the expiration date for the option target trading instrument has arrived by comparing the expiration date of the at least one option trading instrument and the current date and time for trading by the option transaction processing unit 2130. It is characterized by.

When the expiration date for the option product to be traded arrives as a result of the confirmation by the option expiration check unit 2125, the option income confirmation unit 2120 checks whether a predetermined profit for the contract corresponding to the option product to be traded has occurred. Characterized in that.

When it is confirmed that the predetermined profit for the contract corresponding to the trading option product is generated, the profit calculation unit 2115 determines the profit for each customer based on the option transaction history for each customer. It is characterized by calculating the option proceeds.

When the option revenue for each customer is calculated by the revenue calculation unit 2115, the settlement processing unit 2110 settles the option revenue to a virtual account (or a financial account of the customer's name) shown in FIG. It is characterized by processing.

Referring to FIG. 21, an option transaction server 2100 that provides an option transaction service using the customer investment amount is made by the option transaction processing unit 2130, and deals with a contract corresponding to at least one option product, or The expiration date of the transaction target option product is confirmed by the option expiration check unit 2125, or the option income check unit 2120 generates option income to a predetermined customer, or the profit calculation unit 2115. When a predetermined option profit is calculated for the customer who has generated the option revenue, or the option proceeds are settled to the customer by the settlement processing unit 2110, each option transaction step is linked with a predetermined communication server. An option transaction information providing unit 2105 for providing the customer with at least one option transaction information corresponding to the Characterized in that eojineun.

According to an embodiment of the present invention, the communication server may send a mail server 2150 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 2155 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (2160) for providing information providing ARS service for providing one or more options trading information.

22 is a diagram illustrating an option transaction process using a customer investment according to an embodiment of the present invention.

More specifically, FIG. 22 illustrates a process of investing a customer investment fund deposited in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14, and is commonly known in the art. If the person having the present invention can refer to and / or modify this drawing 22, various implementation methods for the option trading process using the customer investment can be inferred, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art may refer to and / or modify this drawing 22 so that the information registration system shown in FIGS. 16 and / or 17 is omitted (e.g., option trading). When a service provider automatically selects a trading option product, and all the customer investments deposited through the investment deposit system shown in FIG. 14 are invested in the trading option product), according to the policy of the option trading service provider. Although it is possible to infer an implementation method of investing a customer investment amount deposited in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14, the present invention includes all the execution methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 22, the option trading server 2100 on the option trading system shown in FIG. 21 will be referred to as "server" for convenience.

Referring to FIG. 22, the server on the option trading system shown in FIG. 21 uses the investment deposit system shown in FIG. 14 to invest at least one or more customer investments deposited in a given virtual account in a given option product. The option product to be traded is identified (2200), and the option transaction amount for the identified at least one option product is checked (2205).

When the option transaction is made for each customer according to an exemplary embodiment of the present invention, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 2145. After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 2145, the confirmation of the option transaction request amount based on the transaction amount per one contract of the identified target option product It is advisable to identify the amount of option trading for which the option product will be traded.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another embodiment of the present invention, if the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 2145 It is preferable to confirm the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 2145. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option to trade the above-listed option product among the option transaction request amount. To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is Is identified as an option transaction amount (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day contract) of another option product to be traded, or preferably excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option trading service provider, the server may be configured based on the transaction amount per one contract of the checked option product among the one or more customer investments exchanged through the investment deposit system shown in FIG. 14. It is desirable to identify the amount of option trading for trading options products.

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction initiation and provides it to the customer through a predetermined communication server (2210).

According to an embodiment of the present invention, the communication server may send a mail server 2150 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 2155 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of the mobile terminal, or a wired / wireless communication terminal of the customer corresponding to each option transaction step. It is preferable to include at least one or more automatic response server (2160) for providing information providing ARS service for providing at least one option transaction information.

Thereafter, the server is connected to the financial system based on the option transaction amount corresponding to the parent account of the virtual account on the investment deposit system shown in FIG. Trade at least one contract corresponding to the option product (2215).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (2220), the server generates a predetermined option transaction history corresponding to the option transaction and stores it in the account ledger corresponding to the option transaction account, or for each customer corresponding to the option transaction. The option transaction details are generated and stored in the virtual account ledger corresponding to the virtual account having the option trading account as the mother account (2225).

23 is a view showing an option trading process using a customer investment according to another embodiment of the present invention.

More specifically, FIG. 23 illustrates a process of investing a customer investment fund deposited in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14, and is commonly known in the art. If the person having the present invention can refer to and / or modify this drawing 23 and can infer various implementation methods for the option trading process using the customer investment, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 23 so that the information registration system shown in FIGS. 16 and / or 17 is omitted (eg, option trading). When a service provider automatically selects a trading option product, and all the customer investments deposited through the investment deposit system shown in FIG. 14 are invested in the trading option product), according to the policy of the option trading service provider. Although it is possible to infer an implementation method of investing a customer investment amount deposited in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14, the present invention includes all the execution methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 23, the option trading server 2100 on the option trading system shown in FIG. 21 will be referred to as "server" for convenience.

Referring to FIG. 23, the server on the option trading system shown in FIG. 21 uses at least one or more customer investment funds deposited in a given virtual account to invest in a given option product through the investment deposit system shown in FIG. Check the option product to be traded (2300), and confirm the option transaction amount for the at least one or more options to be traded (2305).

When the option transaction is made for each customer according to an exemplary embodiment of the present invention, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 2145. After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 2145, the confirmation of the option transaction request amount based on the transaction amount per one contract of the identified target option product It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance is 5,000. Is identified as an option transaction amount (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day contract) of another option product to be traded, or preferably excluded from the option transaction amount.

According to another embodiment of the present invention, if the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 2145 It is preferable to confirm the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 2145. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option to trade the above-listed option product among the option transaction request amount. To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option trading service provider, the server may be configured based on the amount of transactions per one contract of the checked option product among the at least one customer investment deposited through the investment deposit system shown in FIG. 14. It is desirable to identify the amount of option trading for trading options products.

Thereafter, the server is connected to the financial system based on the option transaction amount corresponding to the parent account of the virtual account on the investment deposit system shown in FIG. At least one contract corresponding to the option product is traded (2310).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (2315), the server generates a predetermined option transaction history corresponding to the option transaction and store it in the account ledger corresponding to the option transaction account, or for each customer corresponding to the option transaction. The option transaction details are generated and stored in the virtual account ledger corresponding to the virtual account having the option transaction account as the parent account (2320).

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction processing and provides the predetermined transaction information to the customer through a predetermined communication server (2325).

According to an embodiment of the present invention, the communication server may send a mail server 2150 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 2155 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (2160) for providing information providing ARS service for providing one or more options trading information.

24 is a diagram illustrating a settlement process of option revenue using a customer investment according to an embodiment of the present invention.

More specifically, FIG. 24 illustrates a process of investing a customer investment fund deposited in a predetermined virtual account in a predetermined option product through the investment deposit system shown in FIG. 14, and is commonly known in the art. Persons having the present invention may infer various implementation methods for the settlement process of option revenue using the customer investment by referring to and / or modifying the drawing 24, 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. 24, the option transaction server 2100 on the option transaction system shown in FIG. 21 is referred to as a "server" for convenience.

Referring to FIG. 24, after the server on the option trading system shown in FIG. 21 performs the option trading process shown in FIG. 22 and / or FIG. 23, it is based on the option transaction details provided on the financial system. By comparing the expiration date and the current date and time for at least one or more of the options trading products traded through the option trading process shown in Figure 22 and / or 23, it is confirmed whether the expiration date for the trading options product has arrived ( 2400).

If it is confirmed that the expiration date for the option product to be traded is reached (2405), the server checks whether a predetermined revenue has been generated for the contract corresponding to the option product to be traded (2410).

If a predetermined profit does not occur for the contract corresponding to the option product to be traded, or if a loss date for the contract corresponding to the option product occurs (2415), the server does not generate the option profit (or In operation 2420, predetermined option transaction information corresponding to a loss is generated and provided to the customer through a predetermined communication server.

According to an embodiment of the present invention, the communication server may send a mail server 2150 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 2155 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (2160) for providing information providing ARS service for providing one or more options trading information.

On the other hand, if it is confirmed that a predetermined profit has been generated for the contract corresponding to the trading option product, the server based on at least one option transaction history of at least one customer provided on the financial system, at least one option transaction for each customer At least one customer-specific option revenue corresponding to the calculation is calculated (2425).

If the option revenue for each customer is calculated (2430), the server processes the option revenue into a virtual account (or a financial account of the customer's name) shown in Figure 14 (2435), and the option proceeds The predetermined option transaction information corresponding to the settlement process is generated and provided to the customer through the predetermined communication server (2440).

According to an embodiment of the present invention, the communication server may send a mail server 2150 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 2155 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (2160) for providing information providing ARS service for providing one or more options trading information.

25 is a diagram showing the configuration of an investment deposit system for option investment through integrated micro-investment investment for each customer according to another embodiment of the present invention.

In more detail, in FIG. 25, the option investment through the small investment integrated operation for each customer is pre-approved through the information registration system shown in FIGS. 1 and / or 8, and the customer information is stored in a predetermined storage medium 2520. When at least one customer investment amount information and an option transaction application (or consent) information are stored in association with each other, the predetermined amount of processing the at least one option transaction for at least one small investment amount per customer based on the information stored in the storage medium 2520. It is about the method of making a deposit in the option trading account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 25 to infer various implementation methods for the construction of an investment deposit system for option investment through the integrated micro-investment for each customer. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

In accordance with an embodiment of the present invention, the investment deposit system for option investment through the integrated micro-investment operation of the customer, the customer information and the customer investment amount registered through the information registration system shown in Figure 1 and / or Figure 8 A storage medium 2520 for storing at least one information and an application for option transaction (or consent) in association with each other, and an investment amount for depositing an amount corresponding to the customer investment information stored in the storage medium 2520 as an option transaction deposit amount; The deposit server 2500 and a financial system in which the option trading account of the option trading service provider is opened are provided.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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

In addition, the financial system is characterized in that 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 A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction via at least one wireless terminal (e.g., 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 call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 25, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

The storage medium 2520 is configured to store and store at least one of the customer information, the customer investment information, and the option transaction application (or consent) information registered through the information registration system shown in FIGS. 1 and / or 8. It is characterized by.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer investment information, it is preferable that a predetermined customer includes a small amount of investment (or deposit amount) information less than the minimum deposit amount of the amount that must be deposited in a predetermined option account for at least one option transaction. And, if the customer investment funds are deposited into the option account through account transfer, it is preferable that the customer investment further comprises the customer account information to be withdrawn.

In addition, the option transaction application (or consent) information may include authentication, integrity and non-repudiation of the customer's application (or agreement) to invest the customer investment in at least one or more option products. It is desirable to include information to secure nonrepudiation.

Referring to FIG. 25, the investment deposit server 2500, the investment deposit server 2500, an information confirming unit 2515 which confirms customer information and customer investment information associated with the option transaction application (or agreement) information. And an investment deposit unit 2510 which processes the customer investment amount as an option transaction deposit amount of the customer and deposits (or transfers) a predetermined option transaction account in connection with the financial system; And an information storage unit 2505 for storing investment deposit information including details of deposits (or transfers) into an account in a predetermined storage medium 2520 in association with the customer information.

The information checking unit 2515 may associate and process at least one of the customer information, the customer investment information, and the option transaction application (or consent) information registered through the information registration system shown in FIGS. 1 and / or 8. Identifying at least one or more customer information associated with the option transaction application (or consent) information from the storage medium 2520 to be stored, and confirming the stored customer investment information in connection with the confirmed customer information.

The investment depositing unit 2510 withdraws the customer investment from a predetermined customer account in which the customer investment is to be withdrawn in connection with the financial system, and processes the withdrawn customer investment as the option transaction deposit amount of the customer. It is characterized in that the deposit (or transfer) to the option transaction account of the transaction service provider.

According to the method of the present invention, after depositing (or transferring) the customer investment money to the option transaction account, the investment depositing unit 2510 includes investment deposit information including a deposit (or transfer) details of the customer investment money. It is desirable to provide each customer.

When the at least one customer investment amount calculated by the investment depositing unit 2510 is deposited (or transferred) into the option transaction account, the information storage unit 2505 transfers the calculated at least one customer investment amount of the customer. It is characterized by generating investment deposit information including the details of depositing (or transferring) to the option transaction account by processing as the option transaction deposit amount and storing it in a predetermined storage medium 2520.

According to an embodiment of the present invention, the information storage unit 2505 stores the generated investment deposit information in association with the customer information in the storage medium 2520 shown in FIGS. 1 and / or 8, Alternatively, the customer information and the investment deposit information may be stored in a separate storage medium 2520.

Figure 26 illustrates a process for depositing investments for option investment through integrated micro-investment investment for each customer according to another embodiment of the present invention.

In more detail, in FIG. 26, the option investment through the small investment integrated operation for each customer is pre-approved through the information registration system shown in FIGS. 1 and / or 8, and the customer information is stored in a predetermined storage medium 2520. When at least one customer investment information and an option transaction application (or consent) information are stored in association with each other, the customer investment amount based on the information stored in the storage medium 2520 in the investment deposit system shown in FIG. Regarding the process of depositing (or transferring) into a trading account, those of ordinary skill in the art may refer to and / or modify this drawing 26 to make an option investment through integrated operation of the micro investment for each customer. Various implementation methods may be inferred for the construction of an investment deposit system for the present invention. It is made, including the law, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 26, the point exchange server on the investment deposit system shown in FIG. 25 is referred to as " server " for convenience.

Referring to FIG. 26, the server shown on the investment deposit system shown in FIG. 25 requests the customer information, the customer investment information and the option transaction through the information registration system shown in FIGS. 1 and / or 8. Consent) confirms at least one or more customer information associated with the option transaction application (or consent) information from the storage medium 2520 stored in association with at least one information stored therein, and is stored and processed in association with the confirmed customer information Check the investment information (2600).

If the customer information and the customer investment information is confirmed (2605), the server withdraws the calculated customer investment from the customer account to be withdrawn the customer investment in connection with the financial system, and the customer with the withdrawal The deposit is processed (or transferred) into the option transaction account by processing the deposit amount of the option transaction (2610).

Thereafter, the server stores the point exchange information including the transaction history of depositing (or transferring) the customer investment into the virtual account by processing the customer investment as the deposit amount of the option transaction of the customer in connection with the financial system. (2615)

27 is a diagram illustrating a face-to-face information registration system for option trading using customer investment according to an embodiment of the present invention.

More specifically, FIG. 27 shows at least one of customer information, option product selection information, and option transaction request amount information for an option transaction using a customer investment amount according to the present invention to an information registration system through a predetermined information registration interface. If the option transaction request information including the above is provided, the predetermined information management DB 2730 may be processed by linking the customer information, the option product selection information, and the option transaction request amount information included in the provided option transaction request information in the information registration system. As a person having ordinary knowledge in the technical field to which the present invention pertains, various information regarding the configuration of information registration system for option trading using customer investment by referring to and / or modifying the drawing 27 is provided. It would be possible to infer a method of implementation, but the present invention is directed to all implementations inferred above. Inclusion and shall not be limited to the exemplary method shown in the figure 27.

For example, the face-to-face information registration system shown in FIG. 27 may be made of the same system as the information registration system shown in FIG. 1, or a customer investment fund deposited through the investment deposit system shown in FIG. 25 may be invested. If the option trading service provider automatically selects at least one or more option products, the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 2730 via a predetermined information registration interface on the information registration system shown in FIG. 27. The corresponding component is referred to as " information registration server 2700 " for convenience.

Referring to FIG. 27 according to an embodiment of the present invention, an information registration system for option trading using customer investment according to the present invention includes an information registration terminal 2735 including a counter terminal provided at at least one financial institution branch. The information registration terminal 2735 is connected to the information registration server 2700 provided on the information registration system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch for an option transaction using the customer investment amount according to the present invention, and the customer (or through a teller) through a window provided at the financial institution branch. After completing a prescribed application for option trading using investment funds (e.g., a document with a form for filling in at least one item of information for option trading using customer investment funds), and submitting the completed application to the counter employee, The teller staff inputs (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information on the information registration system through the financial network. It is preferable to transmit to the information registration server 2700.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 2700 connected to the teller terminal is a ledger provided on the predetermined financial system. It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 2700 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 2700. Do.

In the information registration system as described above, the application prepared by the customer, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 2700 are the customer according to the present invention. Performs the function of the information registration interface for registering the option transaction request information for the option transaction using the investment.

The option operation DB 2730 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 2735. And storing information in a predetermined option operation DB 2730 by interworking the information, and including at least one of the customer information, option product selection information, and option transaction request amount information stored in the option operation DB 2730. The option transaction request information is used for option transactions using customer investment according to the present invention.

The customer information includes the personal information of the exchanged customer who deposited the customer investment (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) through the investment deposit system shown in FIG. Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The option product selection information is information for selecting at least one option product for the customer corresponding to the customer information to invest the customer investment deposited through the investment deposit system shown in FIG. 25, and operated by the option trading service provider. And / or identification information of at least one or more options for trading options that can be traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount to be invested by the customer corresponding to the customer information in the option product selection information among the customer investment funds deposited through the investment deposit system shown in FIG.

According to another embodiment of the present invention, at least one option product (or an option product automatically selected by the option transaction service provider) in which the customer investment amount deposited through the investment deposit system shown in FIG. 25 corresponds to the option product selection information. If all are invested in the), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an embodiment of the present invention, the option operation DB 2730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operational DB 2730 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 2730 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 2700 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 2735 through a predetermined financial network, 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 an embodiment of the present invention, when the information registration terminal 2735 is a window terminal connected to a predetermined financial network, the information registration server 2700 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the embodiment of the present invention, the information registration server 2700 is characterized in that it comprises an interface unit 2705 for connecting and managing a predetermined communication channel with the information registration terminal 2735 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 2735 is a window terminal connected to a predetermined financial network, the interface unit 2705 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable 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 financial transaction related program provided in the window terminal.

Referring to FIG. 27, the information registration server 2700 connects a communication channel with the information registration server 2700 through a predetermined information registration terminal 2735 through the interface unit 2705, and then connects the interface unit ( In operation 2705, the information registration terminal 2735 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined option transaction request information, and provides the information registration terminal 2735 to the information registration terminal 2735. An information receiving unit for receiving predetermined option transaction request information inputted (or selected) and transmitted from the information registration terminal 2735 through the user interface in cooperation with an interface providing unit 2710 and the interface unit 2705 ( 2715), a validity checking unit 2720 for checking the validity of the received option transaction request information, and the customer information and options included in the option transaction request information whose validity is confirmed. And an information storage unit 2725 that stores product selection information and option transaction request amount information in a predetermined option operation DB 2730.

The interface providing unit 2710 is provided in the information registration terminal 2735 after a predetermined information registration terminal 2735 connects a communication channel with the information registration server 2700 through the interface unit 2705. In response to the functional configuration, the user may input (or select) the option transaction request information and generate a predetermined user interface capable of transmitting to the information registration server 2700 through the financial network, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 2705 to the information registration terminal 2735 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 2735 and transmitting the information to the information registration server 2700 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 2710 which provides the user interface to the information registration terminal 2735 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 2735 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface. (Or selected) option transaction request information is transmitted to the information registration server 2700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 2735 is a window terminal connected to a predetermined financial network, the interface providing unit 2710 may provide a financial transaction related program provided at the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 2705.

The information receiving unit 2715 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information through the user interface at the information registration terminal 2735. When transmitting through the financial network, the option transaction request information is received in connection with the interface unit 2705, and the received option transaction request information is provided to the validity confirming unit 2720.

The validity confirming unit 2720 is configured to check whether the option transaction request information received from the information registration terminal 2735 satisfies the validity for the option transaction using the customer investment.

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

For example, the validity confirming unit 2720 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer investment corresponding to the customer information included in the option transaction request information is confirmed whether the deposit in the option transaction account through the investment deposit system shown in FIG. It is preferable that it consists of including.

When the validity of the option transaction request information is confirmed, the information storage unit 2725 associates and processes the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to the option operation DB ( 2730, and when the option operation DB 2730 is provided in the information registration server 2700 or on the network associated with the information registration server 2700, the information storage unit 2730. The 2725 is preferably linked with the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information and stored in the option operation DB 2730, and the option operation DB ( When 2730 is provided in the DBMS provided on the financial system, the information storage unit 2725 may include the customer information, option product selection information, and option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

28 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 28 shows a case where the information registration server 2700 on the information registration system shown in FIG. 27 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 2700 and connects the communication channel for information registration according to the present invention, and then the customer information and the optional product to the information registration server 2700 through the communication channel. When the option transaction request information including selection information and option transaction request amount information is transmitted, the customer information, option product selection information, and option transaction request amount included in the received option transaction request information are transmitted from the information registration server 2700. The present invention relates to an implementation method of linking and storing information in a predetermined option operation DB 2730, and has a general knowledge in the technical field to which the present invention belongs. However, various practical methods of registering the option transaction request information with the information registration server 2700 at the counter terminal may be inferred by referring to and / or modifying the drawing 28. However, the present invention provides all the inferences. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 28, the window terminal shown in Fig. 27 is referred to as a "terminal" for convenience, and the information registration server 2700 shown in Fig. 27 is referred to as a "server" for convenience, and the information is registered in the window terminal. The customer information, the option product selection information, and the option transaction request amount information transmitted to the server 2700 are referred to as "option transaction request information" for convenience.

Referring to FIG. 28, the window terminal shown in FIG. 27 connects a predetermined communication channel for registering the option transaction request information by accessing the server through a predetermined financial network, and using the customer investment fund. When requesting registration of the option transaction request information for 2800, the server generates (or extracts) a predetermined information registration interface for registering the option transaction request information (2805), and generates the information through the communication channel. The information registration interface (or extracted) is transmitted to the terminal and output (2810).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to include.

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (2815).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (2820), the terminal transmits the information through the financial network. The option transaction request information including the input (or selected) customer information, option product selection information, and option transaction request amount information is transmitted to the server (2825).

Thereafter, the server checks and validates the validity of the option transaction request information by receiving and reading the customer information, the option product selection information, and the option transaction request amount information through the financial network.

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

For example, the validity confirming unit 2720 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer investment corresponding to the customer information included in the option transaction request information is confirmed whether the deposit in the option transaction account through the investment deposit system shown in FIG. It is preferable that it consists of including.

If the validity of the option transaction request information is not authenticated (2835), the server generates predetermined information registration error information and transmits it to the terminal (2840), and performs an information registration procedure corresponding to the option transaction request information. Do not perform.

On the other hand, if the validity of the option transaction request information is authenticated (2835), the server performs an information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information. The process is stored in the predetermined option operation DB (2730) (2845).

According to an embodiment of the present invention, the option operation DB 2730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The option operation DB 2730 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 2730 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2850), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

29 is a diagram illustrating a non-face-to-face information registration system for option trading in a pre-approval method using a customer investment according to another embodiment of the present invention.

In more detail, FIG. 29 shows at least one of customer information, option product selection information, and option transaction request amount information for an option transaction using a customer investment amount according to the present invention to an information registration system through a predetermined information registration interface. If the option transaction request information including the above is provided, the predetermined information option DB 2930 is obtained by linking the customer information, the option product selection information, and the option transaction request amount information included in the provided option transaction request information in the information registration system. As a person having ordinary knowledge in the technical field to which the present invention pertains, various information regarding the configuration of the information registration system for option trading using customer investment by referring to and / or modifying this drawing 29 It would be possible to infer a method of implementation, but the present invention is directed to all implementations inferred above. Inclusion and shall not be limited to the exemplary method shown in the figure 29.

For example, the non-face-to-face information registration system shown in FIG. 29 is composed of the same system as the information registration system shown in FIG. 8, or a customer investment fund deposited through the investment deposit system shown in FIG. If the option trading service provider automatically selects at least one or more option products to be omitted, the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer through the predetermined information registration interface on the information registration system shown in FIG. 29 in the option operation DB 2930. The corresponding component is called " information registration server 2900 " for convenience.

Referring to FIG. 29 according to an embodiment of the present invention, an information registration system for option trading using a customer investment according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 2935 including at least one of the information registration terminal 2935 and the information registration server 2900 provided on the information registration system through a predetermined network means. The communication channel is connected.

According to an embodiment of the present invention, the customer connects to the information registration server 2900 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the option transaction request information for the option transaction using the customer investment amount according to the present invention is input (or selected) through the at least one user interface provided by the information registration server 2900, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 2900 provided on the information registration system through.

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.

Also, the information registration server 2900 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 2900 may be a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the information registration server 2900, input and / or select at least one information through the user interface, and transmit the information to the information registration server 2900. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 2900) 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 above information registration system, the client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 2900 and And / or the wireless network performs a function of an information registration interface for the customer to register the option transaction request information for the option transaction using the customer investment according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 2935 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal 2935 is the financial automation device (not shown), the financial automation device (not shown) and the financial aid device (not shown) and the information registration The financial network connecting the server 2900 performs a function of an information registration interface for the customer to register the option transaction request information for the option transaction using the customer investment in accordance with the present invention, and / or the information registration terminal ( When 2935) is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2900 may be used by the customer. Performs a function of an information registration interface for registering option transaction request information for an option transaction using a customer investment according to the present invention, and / or the information registration terminal 2935 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the information registration server 2900 performs a function of an information registration interface for registering the option transaction request information for the option transaction using the customer investment amount according to the present invention.

The option operation DB 2930 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 2935. And storing information in a predetermined option operation DB 2930 by linking the information, and including at least one of the customer information, option product selection information, and option transaction request amount information stored in the option operation DB 2930. The option transaction request information is used for option transactions using customer investment according to the present invention.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who deposited the customer investment money through the investment deposit system shown in FIG. 25, and the customer. Member information (e.g., member ID information, or CIF, provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution). (Customer Information File) number and the like).

The option product selection information is information for selecting at least one option product for the customer corresponding to the customer information to invest the customer investment deposited through the investment deposit system shown in FIG. 25, and operated by the option trading service provider. And / or identification information of at least one or more options for trading options that can be traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the customer investment funds deposited through the investment deposit system shown in FIG.

According to another embodiment of the present invention, at least one option product (or an option product automatically selected by the option transaction service provider) in which the customer investment amount deposited through the investment deposit system shown in FIG. 25 corresponds to the option product selection information. If all are invested in the), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an embodiment of the present invention, the option operation DB 2930 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 2930 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 2930 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 2900 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 2935 through 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 an embodiment of the present invention, when the information registration terminal 2935 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, the information registration server 2900 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2900 is the wireless terminal. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2900 is used for the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the information registration server 2900 may be used. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 2900 is characterized in that it comprises an interface unit 2905 for connecting and managing a predetermined communication channel with the information registration terminal 2935 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 2935 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 2905 At least one or more pieces of information (or connections) are made by connecting a predetermined communication channel with 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2905 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 communication program (eg, an internet banking program) provided by the information registration server 2900, the interface unit 2905 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a financial automatic device connected to a predetermined financial network, the interface unit 2905 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with an automation device and using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 2905 may include a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 2905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the information registration server 2900, the interface unit 2905 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2905 may include the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2905 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 2905 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 29, the information registration server 2900 has a predetermined information registration terminal 2935 connecting a communication channel with the information registration server 2900 through the interface unit 2905, and then the interface unit ( 2905 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined option transaction request information from the information registration terminal 2935 and providing the information registration terminal 2937 to the information registration terminal 2935. An information receiving unit for receiving a predetermined option transaction request information that is input (or selected) and transmitted from the information registration terminal 2935 through the user interface in cooperation with the interface providing unit 2910 and the interface unit 2905 ( 2915) and the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information are stored in a predetermined option operation DB 2930. It is characterized by comprising an information storage unit (2925).

The interface providing unit 2910 is provided in the information registration terminal 2935 after a predetermined information registration terminal 2935 connects a communication channel with the information registration server 2900 through the interface unit 2905. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the option transaction request information and transmitting it to the information registration server 2900 via the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 2905 to the information registration terminal 2935 through the network means.

Thereafter, the information registration terminal 2935 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the information. The option transaction request information (or selection) is transmitted to the information registration server 2900 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 2935 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 2910 is provided. 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 2905. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a financial automation device connected to a predetermined financial network, the interface provider 2910 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 2905.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 2910 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and to provide the client terminal with the generated (or extracted) user interface through the interface unit 2905.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2910 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 2905 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 2935 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface study 2910 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2905. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 2935 and transmitting the information to the information registration server 2900 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 2910 which provides the user interface to the information registration terminal 2935 may be omitted, and the present invention is not limited thereto.

The information receiving unit 2915 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information from the information registration terminal 2935 through the user interface. When transmitting through the network means, the option transaction request information is received in connection with the interface unit 2905, and the received option transaction request information is provided to the validity confirming unit 2920.

The validity confirming unit 2920 is characterized in that the option transaction request information received from the information registration terminal (2935) to check whether the validity for the option transaction using the customer investment.

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

For example, the validity confirming unit 2920 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer investment corresponding to the customer information included in the option transaction request information is confirmed whether the deposit in the option transaction account through the investment deposit system shown in FIG. It is preferable that it consists of including.

When the validity of the option transaction request information is confirmed, the information storage unit 2925 may link the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to process the option operation DB ( 2930, the option operation DB 2930 is provided in the information registration server 2900, or when provided on the network associated with the information registration server 2900, the information storage The unit 2925 preferably processes the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information to be stored in the option operation DB 2930, and the option operation DB When the 2930 is provided in the DBMS provided on the financial system, the information storage unit 2525 may include the customer information, the option product selection information, and the option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

30 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to one embodiment of the present invention.

In more detail, in FIG. 30, when the information registration server 2900 on the information registration system shown in FIG. 29 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 2900 and connecting a communication channel for information registration according to the present invention, the customer information, option product selection information and option transaction request amount to the information registration server 2900 through the communication channel When the option transaction request information including the information is transmitted, the information registration server 2900 associates and processes the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information. As an implementation method for storing in the option operation DB 2930, those having ordinary skill in the art to which the present invention pertains. However, various implementation methods for registering the option transaction request information from the client terminal to the information registration server 2900 may be inferred by referring to and / or modifying the drawing 30, but the present invention provides all the implementation methods inferred. It includes, and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 30, the client terminal shown in FIG. 29 is referred to as "terminal" for convenience, and the information registration server 2900 shown in FIG. 29 is called "server" for convenience, and the information registration is performed in the client terminal. The customer information, the option product selection information, and the option transaction request amount information transmitted to the server 2900 are referred to as "option transaction request information" for convenience.

Referring to FIG. 30, the client terminal illustrated in FIG. 29 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through the communication network and / or IEEE 802.16x based portable Internet, etc. to register the option transaction request information, and requesting the option transaction for option transaction using the customer investment. When requesting information registration (3000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the option transaction request information (3005), and generates (or retrieves) through the communication channel. The extracted web page is transmitted to the terminal and output (3010).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (3015).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (3020), the terminal receives the communication channel. The input (or selected) customer information, option product selection information, and option transaction request amount information are transmitted to the server (3025).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer information, the option product selection information, and the option transaction request amount information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the selected option transaction request information to the server through electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server checks and validates the validity of the option transaction request information by receiving and reading the customer information, option product selection information, and option transaction request amount information through the communication channel (3030).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

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

For example, the validity confirming unit 2920 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer investment corresponding to the customer information included in the option transaction request information is confirmed whether the deposit in the option transaction account through the investment deposit system shown in FIG. It is preferable that it consists of including.

If the validity of the option transaction request information is not authenticated (3035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (3040), corresponding to the option transaction request information. Do not perform the information registration procedure.

On the other hand, if the validity of the option transaction request information is authenticated (3035), the server performs an information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information Processing is then stored in the predetermined option operation DB 2930 (3045).

According to an embodiment of the present invention, the option operation DB 2930 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 2930 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 2930 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (3050), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

31A and 31B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a customer investment according to another exemplary embodiment of the present invention.

In more detail, FIGS. 31A and 31B illustrate a case in which the information registration system illustrated in FIG. 29 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends the predetermined option transaction request information for the option transaction using the customer investment to the Internet banking server. And the option transaction request information including option product selection information and option transaction request amount information, the customer information, option product selection information and options included in the received option transaction request information from the information registration server 2900. An implementation method of linking transaction request amount information and storing the transaction request amount information in a predetermined option operation DB 2930 As one of ordinary skill in the art to which the present invention pertains, the option terminal may register the option transaction request information from the client terminal to the information registration server 2900 by referring to and / or modifying the drawings 31a and 31b. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 31A and 31B.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 31A and 31B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the option transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 31A and 31B and between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Option trading Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modified the Internet banking-based financial transaction channel connection method shown in Figures 31a and 31b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering option transaction request information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. It includes all types of non-face-to-face channel based financial transactions, including systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in Fig. 31B.

31A and 31B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 2900 is referred to as " server " for convenience.

31A and 31B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (3100a), the server communicates between the terminal and the server through the browser. (3105a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (3110a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (3115a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (3120a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (3125a), or if the terminal does not need to mount and / or update the security module for internet banking (3115a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (3130a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering option transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering option transaction request information in the terminal. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (3135a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (3140a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (3145a).

If the Internet banking customer authentication fails (3150a), the server blocks the Internet banking security channel for the terminal (3155a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (3150a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (3160a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined option transaction request information for an option transaction using a customer investment from the terminal to the server.

Subsequently, when the terminal requests the internet banking-based option transaction request information registration to the server through the inter-banking-based financial transaction channel to register the option transaction request information (3100b), the server registers the option transaction request information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (3105b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (3110b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information in the terminal. And / or a predetermined password (eg, an account password, etc.) and / or to confirm the validity of the Internet banking customer requesting registration of the option transaction request information and / or the option transaction request information. A security code (e.g., a security code printed on a security card issued to a customer during the internet banking application process) and / or a One Time Password (e.g., an internet banking application process (or after an internet banking application)) Interface to enter the one-time password generated by the provided OTP authenticator (or OTP authentication program) It is preferable to further include a switch.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information through the information registration interface (3115b).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information (3120b) through the information registration interface, the terminal establishes the financial transaction channel. The input (or selected) option transaction request information is transmitted to the server (3125b).

According to an embodiment of the present invention, transmitting the input (or selection) option transaction request information through the financial transaction channel to the server, the option transaction request information input (or selection) through the information registration interface It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the option transaction request information through the financial transaction channel to check the validity of the option transaction request information (3130b).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

In addition, the validity check of the option transaction request information, it is preferable to further comprise authenticating a password and / or security code and / or OTP included in the option transaction request information.

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

For example, the validity confirming unit 2920 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer investment corresponding to the customer information included in the option transaction request information is confirmed whether the deposit in the option transaction account through the investment deposit system shown in FIG. It is preferable that it consists of including.

If the validity of the option transaction request information is not authenticated (3135b), the server generates a web page including predetermined option transaction request information registration error information and transmits it to the terminal (3140b), and the option transaction request is requested. Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the option transaction request information is authenticated (3135b), the server performs an information registration procedure corresponding to the option transaction request information, so that the customer information and option product selection information included in the option transaction request information and The option transaction request amount information is cooperatively processed and stored in the predetermined option operation DB 2930 (3145b).

According to an embodiment of the present invention, the option operation DB 2930 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 2930 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 2930 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined option transaction request information registration history information and transmits it to the terminal (3150b), thereby completing the option transaction request information registration transmitted from the terminal.

32 is a diagram showing the configuration of an option trading system using a customer investment according to another embodiment of the present invention.

More specifically, FIG. 32 is a system configuration for investing a customer investment fund deposited in an option trading account of the option trading service provider in a predetermined option product through the investment deposit system shown in FIG. 25. Those skilled in the art will be able to infer various implementation methods for the option trading system using the customer investment by referring to and / or modifying the drawing 32, but the present invention is intended to implement all the inferred embodiments. It comprises a method, the technical features are not limited only to the embodiment shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 32 to omit the information registration system shown in FIGS. 27 and / or 29 (eg, option trading). When a service provider automatically selects a trading option product, and all the customer investments deposited through the investment deposit system shown in FIG. 25 are invested in the trading option product), according to the policy of the option trading service provider. Through the investment deposit system shown in FIG. 25, it is possible to infer an implementation method of investing in a predetermined option product a customer investment deposited in an option trading account of the option trading service provider. It includes a method, and its technical features are not limited only to the embodiment shown in FIG.

The option trading system using the customer investment according to the embodiment of the present invention, the option operation DB (3245) for storing the option transaction request information including at least one of the customer information, option product selection information and option transaction request amount information; Through the investment deposit system shown in FIG. 25 through the option transaction request information stored in the option operation DB 3245, the customer investment money deposited in the option transaction account of the option transaction service provider is invested in a predetermined option product. The option trading server 3200 and the financial system is provided with the option trading account in which the customer investment is deposited.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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 another financial institution branch), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 32, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is a component of the financial system. An interface module corresponding to a middleware platform that provides inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) 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 is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

In particular, the ledger D / B provided in the financial system is characterized by having an option trading account in which the customer investment is deposited through the investment deposit system shown in FIG.

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

Referring to FIG. 32, the option trading server 3200 that provides the option trading service using the customer investment funds includes an option checking unit 3240 for identifying at least one or more trading options, and the identified trading options. An amount confirmation unit 3235 for confirming an option transaction amount for the at least one contract and trading at least one contract corresponding to the target option product through the option transaction amount based on the option transaction account in connection with the financial system; An option transaction processing unit 3230 is provided.

When the option transaction is made for each customer according to an exemplary embodiment of the present invention, the option checking unit 3240 checks at least one option product selection information associated with predetermined customer information from the option operation DB 3245. The amount confirmation unit 3235 checks the option transaction request amount associated with predetermined customer information from the option operation DB 3245, and then confirms the transaction target by the option confirmation unit 3240. Based on the transaction amount per one contract of the option product, it is characterized in that the option transaction amount of the option transaction to trade the identified options of the transaction options of the option transaction request.

For example, if the transaction amount per one contract of the checked option product is 10,000 won and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the amount confirmation unit 3235 is confirmed as 20,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the option checking unit 3240 may include at least one or more option products associated with at least two or more customer information from the option operation DB 3245. And counting the selection information to confirm the option product selection information selected by more customers, and identifying at least one or more option products corresponding to the identified option product selection information as a transaction target option product, wherein the amount checking unit 3235 adds the option transaction request amount information associated with at least one option product selection information included in the option operation DB 3245 to confirm the option product for trading, and by the option confirming unit 3240 The sum of the option transaction request sums based on the transaction amount per one contract of the identified target option product It characterized in that for confirming the option transaction amount to trade the identified transaction target option product.

For example, if the transaction amount per one contract of the checked option product to be traded is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the amount confirmation unit 3235 is confirmed as 250,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the option verification unit 3240 may identify at least one or more options trading products according to the policy of the option transaction service provider. The amount confirmation unit 3235 may be configured by the option confirmation unit 3240 of at least one customer investment deposited through the investment deposit system shown in FIG. 25 according to the policy of the option transaction service provider. It is characterized by checking the option transaction amount to trade the identified transaction target option product based on the transaction amount per one contract of the identified transaction target option product.

The option transaction processing unit 3230 corresponds to the at least one or more transaction target option product through the identified option transaction amount based on the option transaction account on the investment deposit system shown in FIG. 25 in connection with the financial system. It is characterized by trading at least one contract.

Those skilled in the art to which the present invention pertains are familiar with the technical features of the option transaction processing unit 3230 trading the contract corresponding to the identified at least one option product for the option transaction amount. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the option transaction processing unit 3230 may trade the at least one or more options trading items identified through the identified option transaction amount, and then generate a predetermined option transaction history corresponding to the option transaction. And store in an account ledger corresponding to the option trading account.

Referring to FIG. 32, an option transaction server 3200 that provides an option transaction service using the customer investment amount may include an option for checking maturity of at least one transaction target option product traded by the option transaction processing unit 3230. An expiration confirmation unit 3225, an option revenue confirmation unit 3220 for confirming a revenue corresponding to the option transaction on the option expiration date, and if the predetermined option return occurs as a result of the confirmation, the transaction corresponding to the trading option product And a settlement processing unit 3215 for calculating an option revenue for each customer, and a settlement processing unit 3210 for setting the option revenue to the customer in response to the option transaction amount.

The option expiration confirming unit 3225 checks whether the expiration date for the option-targeted option product has arrived by comparing the expiration date of the at least one option-traded option product traded by the option transaction processing unit 3230 and the current date and time. It is characterized by.

When the expiration date for the option product to be traded arrives as a result of the check by the option expiration check unit 3225, the option income checking unit 3220 checks whether a predetermined profit for the contract corresponding to the option product to be traded has occurred. Characterized in that.

When it is confirmed that the predetermined profit for the contract corresponding to the trading option product is generated, the profit calculation unit 3215 is based on the option transaction history for each customer. It is characterized by calculating the option proceeds.

When the option revenue for each customer is calculated by the revenue calculation unit 3215, the settlement processing unit 3210 is configured to process the option revenue in a financial account of the customer's name shown in FIG.

Referring to FIG. 32, the option transaction server 3200 that provides the option transaction service using the customer investment amount is made by the option transaction processing unit 3230 to make a transaction corresponding to at least one option product, or The expiration date of the transaction target option product is confirmed by the option expiration check unit 3225, or the option income check unit 3220 generates option income to a predetermined customer, or the profit calculation unit 3215 When a predetermined option profit is calculated for the customer having generated the option revenue or by the settlement processing unit 3210, the option proceeds are settled to the customer. An option transaction information providing unit 3205 for providing the customer with at least one option transaction information corresponding to Characterized in that eojineun.

According to an embodiment of the present invention, the communication server may send a mail server 3250 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 3255 for sending an information providing message providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (3260) for providing information providing ARS service for providing one or more options trading information.

33 is a diagram showing an option transaction process using a customer investment according to an embodiment of the present invention.

More specifically, FIG. 33 illustrates a process of investing a customer investment fund deposited in an option trading account of the option trading service provider in a predetermined option product through the investment deposit system shown in FIG. 25. Those skilled in the art will be able to infer various implementation methods for the option trading process using the customer investment by referring to and / or modifying the drawing 33, but the present invention is directed to all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 33 to omit the information registration system shown in FIGS. 27 and / or 29 (eg, option trading). When a service provider automatically selects a trading option product, and all the customer investments deposited through the investment deposit system shown in FIG. 25 are invested in the trading option product), according to the policy of the option trading service provider. While the investment deposit system shown in FIG. 25 may infer an implementation method of investing a customer investment deposited in an option transaction account of the option transaction service provider in a predetermined option product, the present invention may infer all implementation methods inferred from the above. It includes, and the technical features are not limited only to the embodiment shown in FIG.

In the drawing 33, the option trading server 3200 on the option trading system shown in FIG. 32 is referred to as " server " for convenience.

Referring to FIG. 33, the server on the option trading system shown in FIG. 32 invests the customer investment in the option trading account of the option trading service provider in a predetermined option product through the investment deposit system shown in FIG. In order to identify at least one or more options trading products (3300), and to check the option transaction amount for the at least one or more options trading products (3305).

When the option transaction is made for each customer according to an exemplary embodiment of the present invention, the server may check at least one option product selection information associated with predetermined customer information from the option operation DB 3245. After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 3245, the confirmation of the option transaction request amount based on the confirmed transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another embodiment of the present invention, if the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 3245 It is preferable to confirm the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may include the option operation DB 3245. Summing option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. The option to trade the identified option product To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option transaction service provider, the server may be configured based on the amount of transactions per one contract of the checked option product among the at least one customer investment deposited through the investment deposit system shown in FIG. 25. It is desirable to identify the amount of option trading for trading options products.

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction initiation, and provides the option transaction information to the customer through a predetermined communication server (3310).

According to an embodiment of the present invention, the communication server may send a mail server 3250 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 3255 for sending an information providing message providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (3260) for providing information providing ARS service for providing one or more options trading information.

Thereafter, the server is connected to the financial system at least one corresponding to the at least one or more of the options trading products identified through the identified option trading amount based on the option trading account on the investment deposit system shown in FIG. The above contract is traded (3315).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (3320), the server generates a predetermined option transaction history corresponding to the option transaction and stores it in the account ledger corresponding to the option transaction account (3325).

34 is a diagram illustrating an option transaction process using a customer investment according to another embodiment of the present invention.

More specifically, FIG. 34 illustrates a process of investing a customer investment fund deposited in an option trading account of the option trading service provider in a predetermined option product through the investment deposit system shown in FIG. 25. Those skilled in the art will be able to infer various implementation methods for the option trading process using the customer investment by referring to and / or modifying the drawing 34, but the present invention is directed to all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art may refer to and / or modify this drawing 34 so that the information registration system shown in FIGS. 27 and / or 29 is omitted (eg, optional). When a trading service provider automatically selects a trading option product, and all the customer investments deposited through the investment deposit system shown in FIG. 25 are invested in the trading option product), according to the policy of the option trading service provider. Through the investment deposit system shown in FIG. 25, it is possible to infer an implementation method of investing a customer investment deposited in an option trading account of the option trading service provider in a predetermined option product, but the present invention provides all the inferred implementations. It includes a method, the technical features are not limited only to the embodiment shown in FIG.

In the drawing 34, the option trading server 3200 on the option trading system shown in FIG. 32 is referred to as " server " for convenience.

Referring to FIG. 34, the server on the option trading system shown in FIG. 32 invests the customer investment in the option trading account of the option trading service provider in a predetermined option product through the investment deposit system shown in FIG. In order to identify at least one or more options trading products (3400), and to check the option transaction amount for the at least one or more options trading products (3405).

When the option transaction is made for each customer according to an embodiment of the present invention, the server preferably checks at least one option product selection information associated with predetermined customer information from the option operation DB 3245, The server checks the option transaction request amount associated with predetermined customer information from the option operation DB 3245, and then, based on the confirmed transaction amount per one contract of the checked option product, the server of the option transaction request amount It is desirable to identify the amount of option trading to trade the identified option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another embodiment of the present invention, if the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 3245 It is preferable to confirm the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may include the option operation DB 3245. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option to trade the above-listed option product among the option transaction request amount. To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option transaction service provider, the server may be configured based on the amount of transactions per one contract of the checked option product among the at least one customer investment deposited through the investment deposit system shown in FIG. 25. It is desirable to identify the amount of option trading for trading options products.

Thereafter, the server is connected to the financial system at least one corresponding to the at least one or more of the options trading products identified through the identified option trading amount based on the option trading account on the investment deposit system shown in FIG. The above contract is traded (3410).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (3415), the server generates a predetermined option transaction history corresponding to the option transaction and stores it in the account ledger corresponding to the option transaction account (3420).

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction processing and provides the predetermined transaction information to the customer through a predetermined communication server (3425).

According to an embodiment of the present invention, the communication server may send a mail server 3250 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 3255 for sending an information providing message providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (3260) for providing information providing ARS service for providing one or more options trading information.

35 is a diagram illustrating a settlement process of option revenue using a customer investment according to one embodiment of the present invention.

More specifically, FIG. 35 illustrates a process of investing a customer investment fund deposited in an option trading account of the option trading service provider in a predetermined option product through the investment deposit system shown in FIG. 25. Those skilled in the art may refer to and / or modify this drawing 35 to infer various implementation methods for the settlement of option proceeds using the customer investment, but the present invention is directed to all implementations inferred above. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 35, the option trading server 3200 on the option trading system shown in FIG. 21 is referred to as " server " for convenience.

Referring to FIG. 35, after the server on the option trading system shown in FIG. 21 performs the option trading process shown in FIGS. 33 and / or 34, the option trading history provided on the financial system is By comparing the expiration date and the current date and time for at least one or more of the options trading products traded through the option trading process shown in Figure 33 and / or 34, it is confirmed whether the expiration date for the trading options product has arrived ( 3500).

If it is confirmed that the expiration date for the option-to-trade option item arrives (3505), the server checks whether a predetermined profit for the contract corresponding to the option-to-trade option product has occurred (3510).

If a predetermined profit for the contract corresponding to the option product to be traded does not occur or if a loss date for the contract corresponding to the option product occurs (3515), the server does not generate the option profit (or The option transaction information corresponding to the loss is generated and provided to the customer through the predetermined communication server (3520).

According to an embodiment of the present invention, the communication server may send a mail server 3250 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 3255 for sending an information providing message providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (3260) for providing information providing ARS service for providing one or more options trading information.

On the other hand, if it is confirmed that a predetermined profit has been generated for the contract corresponding to the transaction option product, the server is configured to at least one option transaction for each customer based on at least one option transaction history for each customer included in the financial system. A corresponding at least one customer-specific option proceed is calculated (3525).

If the option revenue for each customer is calculated (3530), the server processes the option revenue to a financial account in the name of the customer shown in the figure 25 (3535), and the predetermined option corresponding to the option proceeds settlement process The transaction information is generated and provided to the customer through a predetermined communication server (3540).

According to an embodiment of the present invention, the communication server may send a mail server 3250 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 3255 for sending an information providing message providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (3260) for providing information providing ARS service for providing one or more options trading information.

36 illustrates a face-to-face information registration system for option investment using customer points according to one embodiment of the present invention.

In more detail, FIG. 36 illustrates a point investment application (or agreement) that includes at least one of customer information, customer point information, and option transaction application (or agreement) information for a given customer to invest in options using customer points. Upon submission, a predetermined image content corresponding to the point investment application (or agreement) is obtained through a predetermined image acquisition device at a designated counter terminal 3655, and the information registration system is transmitted to the information registration system through a predetermined information registration interface. When the point investment application (or agreement) information corresponding to the point investment application (or agreement) and the image content obtained from the point investment application (or agreement) are provided, a predetermined point investment application including the image content is provided. (Or consent) to generate an electronic document and store it in a predetermined electronic document storage, and invest the point A system configuration for linking and processing the customer information, customer point information and option transaction application (or agreement) information included in the request information (or consent) and storing the data in a predetermined storage medium 3670. Specifically, the customer point A method of implementing a face-to-face pre-approval of investing in at least one or more options.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 36 to infer various implementation methods for constructing an information registration system for option investment using customer points. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention belongs, in addition to the implementation method shown in FIG. 36, points earned to the customer through agreement of the terms in the point accumulation process may be accumulated to a predetermined size or more. When the point is automatically invested in the option, and the profit for the option investment is generated, the post-approval method of settlement to the customer may be inferred after the approval of the customer. All implementations are included, and are not limited to the implementation method shown in FIG.

In addition, in FIG. 36, the electronic document repository may infer an implementation method provided in the DBMS located in the information registration system. However, the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited only to the implementation method.

In addition, in FIG. 36, a point investment application (or agreement) electronic document corresponding to the point investment application (or agreement) is shown and described as being generated on the server side on the information registration system. The point investment application (or agreement) electronic document may not be limited, and may be generated at a terminal that has obtained image content corresponding to the point investment application (or agreement) through a predetermined image acquisition device (eg, The electronic document generation function provided on the server side is provided on the terminal side to generate the point investment application (or agreement) electronic document), and the present invention is not limited thereto.

In addition, according to another embodiment of the present invention, the point investment application (or consent) electronic document may not be generated in the information registration system shown in FIG. 41 according to the intention of the skilled person, and the present invention is not limited thereto. No.

Hereinafter, the point investment application (or agreement) information and image contents corresponding to the point investment application (or agreement) written by the customer are provided through a predetermined information registration interface on the information registration system shown in FIG. At least one means and / or functional configuration for generating a point investment application (or agreement) electronic document and storing the point investment application (or agreement) information in a predetermined storage medium 3670. The component corresponding to the term " information registration server 3600 "

Referring to FIG. 36 according to an embodiment of the present invention, an information registration system for option investment using the customer points includes information including a counter terminal 3677 provided at at least one financial institution branch (or branch). Characterized in that it comprises a registration terminal 3680, the information registration terminal 3680 is connected to the communication channel and the information registration server 3600 provided on the information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for option investment using the customer point, and visits the counter (or the teller staff) provided at the financial institution branch branch (branch branch). Prepare a point investment application (or consent) for option investment using the customer point (e.g., a document with a form for filling in at least one information item for option investment using the customer point); In this case, it is preferable that the customer seal the seal of the customer for the legal basis for the point investment application (or consent).

Thereafter, when the customer submits the completed point investment application (or consent) to the counter staff, the counter staff acquires predetermined image contents by scanning the point investment application (or consent) through a predetermined image acquisition device. Image content acquired in response to the point investment application (or agreement) through the predetermined counter terminal 3655 and the customer information written in the point investment application (or agreement), the customer point information and the option transaction application ( Or inputting (or selecting) point investment application (or agreement) information including at least one of information), and correspondingly, the teller terminal 3677 may display the image content and the point investment application (or agreement) information. It is preferable to transmit to the information registration server 3600 provided on the information registration system through the financial network.

In this case, the teller terminal (3675) preferably comprises a financial terminal used by the employee of the branch (or branch) of the financial institution, the information registration server 3600 connected to the teller terminal (3675) is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the teller terminal 3675 and the information registration server 3600 is connected to the teller terminal 3677 and the information. It is preferable to include a current network connecting the communication channel between the registration server (3600).

In the information registration system as described above, an image acquisition device for acquiring image contents corresponding to a point investment application (or agreement) written by the customer, a teller terminal 3677 and the teller terminal 3677 used by the employee. ) And the financial network connecting the information registration server 3600 performs a function of an information registration interface for the customer to register point investment application (or agreement) information for option investment using the customer points.

The storage medium 3670 provided on the information registration system according to the present invention includes the customer information, the customer point information, and the optional transaction included in the point investment application (or agreement) information provided from the information registration terminal 3680. The application (or consent) information may be stored in a predetermined storage medium 3670 by linkage processing.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning institution (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company, It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

For example, the option transaction application (or consent) information may be comprised of a teller authentication information that authenticates the customer in a face-to-face manner and / or a customer signature (or seal) included in the point investment application (or consent). It is preferable to comprise).

Alternatively, the option transaction application (or consent) information may include predetermined financial account information and password opened in the financial institution in the name of the customer, or the card information and password issued to the customer by the financial institution. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 3670 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3670 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 3670 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 3600 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 3680 through a predetermined financial network, 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 an embodiment of the present invention, when the information registration terminal 3680 is a teller terminal 3677 connected to a predetermined financial network, the information registration server 3600 uses the teller terminal 3677 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 3600 is characterized in that it comprises an interface unit 3605 for connecting and managing a predetermined communication channel with the information registration terminal 3680 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 3680 is a teller terminal 3755 connected to a predetermined financial network, the interface unit 3605 is based on the protocol stack defined in the financial network. A communication interface is provided for connecting at least one communication channel with a terminal 3675 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 3675. It is preferable.

Referring to FIG. 36, when the predetermined information registration terminal 3680 connects a predetermined communication channel with the information registration server 3600 through the interface unit 3605, the customer registers the information registration server 3600. For the option investment using points, the image content corresponding to the point investment application (or consent) written by the customer is obtained through a predetermined image acquisition device provided in the information registration terminal 3680, and the point investment application ( Or generate (or extract) at least one user interface for inputting (or selecting) point investment application (or consent) information corresponding to the agreement) and transmitting the information to the information registration server 3600, and generating the interface unit ( An interface providing unit 3610 which provides the generated (or extracted) user interface to the information registration terminal 3680 in association with 3605; In operation 3680, when the point investment application (or agreement) information corresponding to the point investment application (or agreement) is input (or selected) and transmitted through the user interface, the information is linked to the interface unit 3605. The customer through the information receiving unit 3615 which receives the point investment application (or consent) information transmitted from the registration terminal 3680 and the image acquisition apparatus based on the user interface in the information registration terminal 3680. When the image content corresponding to the created point investment application (or agreement) is obtained and transmitted, the image receiver unit receives the image content corresponding to the point investment application (or agreement) in connection with the interface unit 3605 ( 3620) characterized by comprising.

The interface providing unit 3610 connects a predetermined communication channel with the information registration server 3600 through the interface 3605 by the information registration terminal 3605, and then sends the information registration server 3600 to the information registration server 3600. When requesting a user interface for option investment using a customer point, an image content corresponding to a point investment application (or agreement) written by the customer is obtained through a predetermined image acquisition device provided in the information registration terminal 3680. And input (or select) point investment application (or agreement) information corresponding to the point investment application (or agreement) and transmit the information to the information registration server 3600 through the financial network. And / or extracted from a predetermined database (not shown), and the generated (or extracted) in conjunction with the interface unit 3605 The user interface is characterized in that provided in the information registering terminal (3680) through the financial network.

According to another exemplary embodiment of the present invention, the information registration terminal 3680 acquires image contents corresponding to the point investment application (or agreement) written by the customer through a predetermined image acquisition device, and applies the point investment application (or A predetermined information registration program having at least one user interface for inputting (or selecting) information on point investment application (or consent) corresponding to the agreement) and transmitting the information to the information registration server 3600 through the financial network. Is provided, the image content corresponding to the point investment application (or agreement) written by the customer through the predetermined image acquisition device as described above, and the point corresponding to the point investment application (or agreement) User interface for inputting (or selecting) investment application (or agreement) information and transmitting it to the information registration server 3600 The interface providing unit 3610 which generates (or extracts) an e-mail and provides it to the information registration terminal 3680 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 3680 inputs (or selects) point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the user interface. And the input (or selected) point investment application (or agreement) information is transmitted to the information registration server 3600 through the financial network, and the information receiving unit 3615 corresponds to the interface unit 3605. ) And the point investment application (or agreement) information transmitted from the information registration terminal (3680).

In addition, the information registration terminal 3680 acquires image content corresponding to the point investment application (or agreement) written by the customer through a predetermined image acquisition device based on the user interface, and obtains the obtained image content. The image receiving unit 3620 transmits the image contents corresponding to the point investment application (or agreement) in connection with the interface unit 3605. It is characterized by receiving.

According to another exemplary embodiment of the present invention, the information registration terminal 3680 acquires image content corresponding to the point investment application (or agreement) written by the customer through a predetermined image acquisition device and the information registration terminal ( When the data is stored in a predetermined storage device provided in (or associated with) 3680, the information registration terminal 3680 may generate a point created by the customer among at least one or more image contents stored in the storage device through the user interface. An image content corresponding to an investment application (or agreement) is selected and transmitted to the information registration server 3600 through the financial network. In response thereto, the image receiving unit 3620 is connected to the interface unit 3605. It is preferable to receive image content corresponding to the point investment application (or agreement).

According to another embodiment of the present invention, in the information registration terminal 3680 to the image content corresponding to the point investment application (or agreement) written by the customer through the user interface and the point investment application (or agreement) When the corresponding point investment application (or agreement) information is transmitted together, the information receiving unit 3615 cooperates with the interface unit 3605 and the point content and the point investment corresponding to the point investment application (or agreement). It is possible to receive application (or consent) information together (eg, the image receiving unit 3620 is integrated into the information receiving unit 3615 and operated), whereby the present invention is not limited.

Referring to FIG. 36, when the point investment application (or agreement) information transmitted from the information registration terminal 3680 is received through the information receiving unit 3615, the information registration server 3600 receives the received point investment. Characterized in that the application (or consent) is provided with a validity verification unit for confirming whether the validity for the option investment using the customer point.

According to the method of the present invention, the validation of the point investment application (or agreement) information is at least matched to the point investment application (or agreement) information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity verification unit 3625 may include a ledger on a financial system in which the customer information (customer personal information or member information, etc.) is included in the point investment application (or consent) information. It is preferable to include a check that matches the customer ledger stored in the D / B.

Referring to FIG. 36, the information registration server 3600 receives the image content transmitted from the information registration terminal 3680 through the image receiving unit 3620, and receives the point through the validity checking unit 3625. When the validity of the investment application (or agreement) information is authenticated, an electronic document generation unit 3630 for generating a predetermined point investment application (or agreement) electronic document including the received image content, and the generated point. And an electronic document transmission unit 3635 for transmitting the investment application (or consent) electronic document to an electronic document repository associated with the information registration system.

The electronic document generating unit 3630 generates a point investment application (or agreement) electronic document including the image content received from the information registration terminal 3680 through the image receiving unit 3620.

According to an exemplary embodiment of the present invention, the electronic document generator 3630 may store the customer point intact as an image file including the image content received from the information registration terminal 3680 through the image receiver 3620. It is preferable to process the point investment application (or consent) electronic document for the option investment used.

Alternatively, the electronic document generator 3630 may apply (or agree) a point investment received through the information receiver 3615 to the image content received from the information registration terminal 3680 via the image receiver 3620. An optional investment using the customer point may include an image file corresponding to an image content including at least one of customer information included in the information, customer point information, and at least one of the option transaction application (or consent) information by watermarking. It is desirable to create an electronic document for the point investment application (or consent).

According to another embodiment of the present invention, the electronic document generating unit 3630 is a predetermined document file (eg, containing the image content received from the information registration terminal 3680 through the image receiving unit 3620) Generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a point investment application (or consent) electronic document for the option investment used.

Alternatively, the electronic document generator 3630 may apply (or agree) a point investment received through the information receiver 3615 to the image content received from the information registration terminal 3680 via the image receiver 3620. Generate image content including at least one or more of customer information, customer point information, and optional transaction application (or consent) information included in the information by a watermarking method, and the predetermined content including the generated image content. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to generate a point investment application (or agreement) electronic document for option investment using the customer points.

According to another embodiment of the present invention, the electronic document generating unit 3630 is the image content received from the information registration terminal 3680 through the image receiving unit 3620 and through the information receiving unit 3615 A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing the received point investment application (or consent) information. By generating a file, or a web document file including MHT), it is desirable to generate a point investment application (or consent) electronic document for option investment using the customer points.

Alternatively, the electronic document generator 3630 may apply (or agree) a point investment received through the information receiver 3615 to the image content received from the information registration terminal 3680 via the image receiver 3620. Generating image content including at least one of customer information included in the information, customer point information, and option transaction application (or consent) information by a watermarking method, and the generated image content and the point investment application (Or consent) a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) or MHT Generating a web document file, etc.) to generate a point investment application (or agreement) electronic document for option investment using the customer points. It is desirable to produce.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 3630 is a technical feature for generating a point investment application (or consent) electronic document of the image file format and / or a predetermined document file format And, it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the point investment application (or consent) electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 3635 transmits and stores the point investment application (or agreement) electronic document generated by the electronic document generating unit 3630 to a predetermined electronic document repository associated with the information registration system. It features.

As shown in FIG. 36, the electronic document repository is connected to the information registration server 3600 on the information registration system through a predetermined communication means, and the electronic document D / B 3665 and the predetermined electronic document server 3645. When provided externally, the electronic document transmission unit 3635 is the electronic document server via the communication means for the application for point investment application (or agreement) generated by the electronic document generation unit 3630 It is characterized in that the transmission to (3645).

Here, when the electronic document server 3645 and the electronic document D / B 3665 are provided outside of the information registration system, the electronic document server 3645 and the electronic document D / B 3665 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the information registration system, the electronic document transmitting unit 3635 is the point generated by the electronic document generating unit 3630. It is possible to store the investment application (or consent) electronic document in the electronic document D / B 3665 corresponding to the electronic document storage on the DBMS provided in the information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 3635 may include electronic document related information (eg, a point investment corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 3635. Customer information that created the application (or consent), and / or financial institution information that transmits the point investment application (or consent) electronic document, and / or electronic document file format information, and / or the point investment application (or consent) Information, etc.) can be further transmitted to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 36, the information registration server 3600 performs an option investment using the customer points through the validity checking unit 3625 for the point investment application (or agreement) information received through the information receiving unit 3615. If the validity is authenticated, the customer information included in the point investment application (or agreement) information of the validity is authenticated and the customer point information and the option transaction application (or agreement) information is linked to a predetermined storage medium 3670. And an information storage unit 3640 for storing.

When the validity of the point investment application (or agreement) information is confirmed by the validity verification unit 3625, the information storage unit 3640 may store the customer information and the customer point included in the point investment application (or agreement) information. And storing the information and the option transaction application (or agreement) information in the storage medium 3670, wherein the storage medium 3670 is provided in the information registration server 3600 or the information registration server. When provided on a network associated with 3600, the information storage unit 3640 may include customer information included in the received point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information. It is preferable to store the data in the storage medium 3670 in association with the storage medium 3670. When the storage medium 3670 is provided in a DBMS provided on a financial system, the information storage unit 3640 receives the received information. The customer information included in the point investment application (or agreement) information, the customer point information and the option transaction application (or agreement) information is provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system. desirable.

Referring to FIG. 36, a predetermined point investment application (or agreement) electronic document is received from the information registration server 3600 provided on the information registration system, and stored and managed in a predetermined electronic document D / B 3665. The electronic document server 3635 includes an electronic document receiving unit 3650 for receiving a predetermined point investment application (or agreement) electronic document from the information registration server 3600 through a predetermined communication means, and the received point investment. An information generation unit 3655 for generating predetermined electronic document management information for storing and managing an application (or agreement) electronic document in the electronic document D / B 3665, and the electronic document management information and the point investment application (Or consent) An electronic document storage unit 3660 for linking and processing electronic documents and storing them in a predetermined electronic document D / B 3665 is provided.

The electronic document receiving unit 3650 may receive a point investment application (or consent) electronic document in the form of an image file and / or a document file from the information registration server 3600 through the communication means.

According to one embodiment of the present invention, the point-investment application (or agreement) of the electronic document received by the electronic document receiving unit 3650 through the communication means, the information registration server 3600 from the information registration terminal 3680 It is preferable that the image file including the received image content is included as it is.

Alternatively, the point investment application (or agreement) electronic document received by the electronic document receiving unit 3650 through the communication means may be included in the image content received by the information registration server 3600 from the information registration terminal 3680. It includes an image file corresponding to the image content including the customer information included in the point investment application (or consent) information, and at least one or more of the customer point information and the option transaction application (or consent) information by watermarking (5atermarking) method It is preferable to make it.

According to another exemplary embodiment of the present invention, the point-investment application (or agreement) of the electronic document received by the electronic document receiver 3650 through the communication means is performed by the information registration server 3600 by the information registration terminal 3680. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing image content received from the Web document files, etc.) to be included.

Alternatively, the point investment application (or agreement) electronic document received by the electronic document receiving unit 3650 through the communication means may include the point on the image content received by the information registration server 3600 from the information registration terminal 3680. A predetermined document file including image contents including at least one of customer information included in the investment application (or consent) information, at least one of customer point information and option transaction application (or consent) information (5atermarking) ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to another exemplary embodiment of the present invention, the point-investment application (or agreement) of the electronic document received by the electronic document receiver 3650 through the communication means is performed by the information registration server 3600 by the information registration terminal 3680. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the information and the point investment application (or consent) information. And at least one word processor file or web document file including MHT).

Alternatively, the point investment application (or agreement) electronic document received by the electronic document receiving unit 3650 through the communication means may include the point on the image content received by the information registration server 3600 from the information registration terminal 3680. Image content including the customer information included in the investment application (or consent) information, at least one or more of the customer point information and the option transaction application (or consent) information by a watermarking method and the point investment application (or consent) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing information, or a web including an MHT. Document files).

The information generating unit 3555 is a predetermined electronic document unique number (or unique information) to be assigned to the point investment application (or agreement) electronic document received through the electronic document receiving unit 3650, and the electronic document receiving unit 3650 Electronic document containing electronic document archiving date and time information including the date and time the point investment application (or consent) electronic document was received (or the date and time the point investment application (or consent) electronic document was stored). And generating management information.

According to the exemplary embodiment of the present invention, the information generating unit 3555 refers to the information registration server 3600 which has transmitted the point investment application (or consent) electronic document received through the electronic document receiving unit 3650. It is preferable to identify a financial institution that has sent the point investment application (or consent) electronic document, and generate electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the information registration server 3600 through the electronic document receiving unit 3650, the information generating unit 3555 may receive the received information. Electronic document-related information (e.g., customer information that has created a point investment application (or agreement) corresponding to the image content, and / or financial institution information transmitting the point investment application (or agreement) electronic document, and / or electronic It is desirable to generate electronic document management information further including document file format information, and / or the point investment application (or consent) information.

The electronic document storage unit 3660 associates the point investment application (or agreement) electronic document received through the electronic document receiving unit 3650 with the electronic document management information generated through the information generation unit 3635 and performs a predetermined process. Characterized in that it is stored in the electronic document D / B (3665).

According to an exemplary embodiment of the present invention, the point-investment application (or agreement) that the electronic document storage unit 3660 stores in the electronic document D / B 3665 is performed by the information registration server 3600. It is preferable that the image file including the image content received from the registration terminal 3680 is included as it is.

Alternatively, a point investment application (or agreement) electronic document stored in the electronic document D / B 3665 by the electronic document storage unit 3660 is received by the information registration server 3600 from the information registration terminal 3680. Image content including at least one of customer information included in the point investment application (or consent) information and at least one of customer point information and option transaction application (or consent) information in the image content in a watermarking manner. It is preferable to include an image file corresponding to.

According to another embodiment of the present invention, the point-investment application (or agreement) that the electronic document storage unit 3660 stores in the electronic document D / B (3665) is the information registration server 3600 A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content received from the information registration terminal 3680 Processor file, or a web document file including MHT).

Alternatively, a point investment application (or agreement) electronic document stored in the electronic document D / B 3665 by the electronic document storage unit 3660 is received by the information registration server 3600 from the information registration terminal 3680. The image content includes an image content including at least one of customer information included in the point investment application (or consent) information and at least one of customer point information and option transaction application (or consent) information in a watermarking manner. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

According to another exemplary embodiment of the present invention, the point-investment application (or agreement) of the electronic document storage unit 3660 stored in the electronic document D / B 3665 may include the information registration server 3600. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) containing the image content received from the information registration terminal 3680 and the point investment application (or consent) information, or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, a point investment application (or agreement) electronic document stored in the electronic document D / B 3665 by the electronic document storage unit 3660 is received by the information registration server 3600 from the information registration terminal 3680. Image content including the customer information included in the point investment application (or agreement) information, at least one or more of the customer point information and the option transaction application (or agreement) information in a watermarking method (5atermarking) in the image content and the A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the point investment application (or consent) information; Or a web document file including the MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 3665 by the electronic document storage unit 3660 in association with the point investment application (or agreement) electronic document, The point investment application (or consent) preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 3665 by the electronic document storage unit 3660 in association with the point investment application (or agreement) electronic document, The point investment application (or consent) preferably further includes information on the financial institution that has transmitted the point investment application (or agreement) electronic document confirmed with reference to the information registration server (3600) that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 3600, the electronic document storage unit 3660 is connected with the point investment application (or agreement) electronic document. The electronic document management information stored in the electronic document D / B 3665 in association with each other may include the received electronic document related information (for example, customer information for creating a point investment application (or agreement) corresponding to the image content), and And / or financial institution information for transmitting the point investment application (or consent) electronic document, and / or electronic document file format information, and / or the point investment application (or consent) information, etc.). .

37 illustrates a point investment application (or agreement) information structure stored in a ledger D / B 3700 provided in a DBMS on a financial system in a face-to-face manner for option investment using customer points according to an embodiment of the present invention. Drawing.

In more detail, when the storage medium 3670 illustrated in FIG. 36 is the ledger D / B 3700 provided in the DBMS on the financial system, the ledger information included in the ledger D / B 3700 is shown in FIG. An information structure for an implementation method in which point investment application (or agreement) information including the customer information, customer point information, and option transaction application (or agreement) information is stored, is shown in the art. Those skilled in the art will be able to infer various information construction methods for storing the point investment application (or consent) information in the ledger D / B 3700 by referring to and / or modifying the drawing 37. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 37 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 3700 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 3700 includes at least one ledger (e.g., loan ledger, secured ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 37, the point investment application (or agreement) information provided through the information registration system shown in FIG. 36 is stored in the form of additional information added to the customer ledger, and the point investment application (or Consent) information is characterized in that it comprises at least one or more customer information, customer point information and option transaction application (or consent) information.

Here, the customer information included in the point investment application (or agreement) information stored in the form of additional information added to the customer ledger is a CIF number for linking the customer ledger and the point investment application (or agreement) information It is preferable to include.

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning institution (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company, It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

According to an embodiment of the present invention, the option transaction application (or agreement) information included in the point investment application (or agreement) information stored in the form of additional information added to the customer ledger may authenticate the customer in a face-to-face manner. It is preferable that the counter staff authentication information is included.

Alternatively, when the point investment application (or consent) electronic document is stored in a predetermined electronic document repository, the option transaction application (or consent) included in the point investment application (or consent) information stored in the form of additional information added to the customer ledger ( Or consent) information preferably includes the electronic document information.

According to another embodiment of the present invention, the point investment application (or consent) information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, customers). It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

38 is a point investment application (or agreement) stored in a database linked to the ledger D / B 3800 provided in a DBMS on a financial system in a face-to-face manner for option investment using customer points according to another embodiment of the present invention. It is a figure which shows an information structure.

In more detail, FIG. 38 shows an information structure of an embodiment in which the storage medium 3805 shown in FIG. 36 is stored in a predetermined database linked to the ledger D / B 3800 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 38 to transfer the point investment application (or agreement) information to a predetermined database. 3800 may be inferred from various methods of configuring information stored in association with the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Particularly, in FIG. 38, when it is not easy to store the point investment application (or agreement) information in the ledger information of the ledger D / B 3800 on the DBMS provided on the financial system (for example, the policy of the financial institution). If it is not easy to change the ledger D / B 3800 of the phase DBMS, or the system is not easy to expand due to the characteristics of the financial system), invest the point in a predetermined database instead of the ledger D / B 3800. An implementation method of storing application (or consent) information and cooperatively storing the database and the ledger D / B 3800 is shown.

In addition, the database shown in FIG. 38 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 38, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 38, the database stores and stores the customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) information in association with each other. The application (or agreement) information is preferably made by further including a CIF number corresponding to the ledger information in the point investment application (or agreement) information to be processed in conjunction with the ledger D / B (3800).

Here, the customer information included in the point investment application (or agreement) information associated with the ledger D / B 3800 matches the customer ledger provided in the ledger D / B 3800 through the CIF number. Is omitted.

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (eg, a point-establishment institution (or company) that pays the points in cash to the customer when the points accumulated to the customer are accumulated to a certain size or more). Preferably, the point earning institution (or company) of the point operating account comprises at least one or more point earning institution (or company) opened in the financial institution, the point earning institution (or company) is a carrier At least one airline, a travel agency, an internet shopping mall, an offline store (or a department store), and the like, are preferably included.

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

According to an embodiment of the present invention, the option transaction application (or agreement) information included in the point investment application (or agreement) information linked to the ledger D / B 3800 may authenticate the customer in a face-to-face manner. It is preferable that the counter staff authentication information is included.

Alternatively, when the point investment application (or consent) electronic document is stored in a predetermined electronic document repository, the option transaction application included in the point investment application (or consent) information linked to the ledger D / B 3800. (Or consent) The information preferably comprises electronic document information.

38 is a diagram showing the configuration of the point investment application (or agreement) information stored in the DBMS provided in the banking server in a face-to-face manner for the option investment using the customer point in accordance with another embodiment of the present invention.

In more detail, FIG. 38 illustrates a predetermined banking system in which the storage medium 3805 shown in FIG. 36 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modified in Figure 38 It is possible to infer the information construction method for the point investment application (or agreement) information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 38, a predetermined DBMS provided in the banking server associates and stores customer information included in the point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information. It is characterized by.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer point information, selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be invested option using the points) to the customer It is preferable to include investment target point selection information, and it may be omitted if all the points accumulated for the customer are invested in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning institution (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company, It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

According to an embodiment of the present invention, the option transaction application (or agreement) information included in the point investment application (or agreement) information included in a predetermined DBMS included in the banking server may authenticate the customer in a face-to-face manner. It is preferable to include the counter staff authentication information.

Alternatively, when the point investment application (or agreement) electronic document is stored in a predetermined electronic document repository, the option transaction included in the point investment application (or agreement) information included in the predetermined DBMS provided in the banking server. The application (or consent) information preferably comprises electronic document information.

39A and 39B illustrate a process of registering point investment application (or agreement) information in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 39A and 39B show an information registration terminal 3680 on the information registration system illustrated in FIG. 36 as a teller terminal 3677 provided at a branch (or branch) of a financial institution, and the information registration server 3600. ) Has a ledger server (not shown) function in the financial system associated with the teller terminal 3675 through a predetermined financial network, the predetermined customer can use the customer information and the customer point for the option investment using the customer point. When a point investment application (or agreement) including at least one information and an option transaction application (or agreement) is prepared and submitted, the point investment application (or Acquisition of predetermined image contents corresponding to the agreement form, and the application for point investment application (or consent) to the information registration system through a predetermined information registration interface. When the corresponding point investment application (or agreement) information and the image content obtained from the point investment application (or agreement) are provided, a predetermined point investment application (or agreement) electronic document including the image content is generated. It is stored in a predetermined electronic document store, and the customer information included in the point investment application (or agreement) information, the customer point information and the option transaction application (or agreement) information is processed in association with the stored in the predetermined storage medium (3805) In detail, the method for obtaining the predetermined image content corresponding to the point investment application (or agreement) through the predetermined image obtaining apparatus in the window terminal 3655 is performed to the information registration server 3600. After sending, enter (or select) the point investment application (or consent) information corresponding to the point investment application (or agreement). For example, the method of transmitting the information registration server 3600 is illustrated.

Those skilled in the art to which the present invention pertains can apply for (or agree to) the point investment with the information registration server 3600 at the counter terminal 3675 by referring to and / or modifying the drawings 39a and 39b. Various implementation methods for registering information may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 39A and 39B.

For example, in the implementation method shown in FIGS. 39A and 39B, the counter terminal 3757 acquires predetermined image contents corresponding to the point investment application (or agreement) through a predetermined image acquisition device, and / or Alternatively, the user interface for inputting (or selecting) point investment application (or agreement) information corresponding to the point investment application (or agreement) is described as being provided from the information registration server 3600, but the counter terminal When a predetermined information registration program is provided at 3767, the user interface may not be provided from the information registration server 3600, and the present invention is not limited thereto.

In the following Figures 39a and 39b, the window terminal 3677 shown in Figure 36 is referred to as "terminal" for convenience, and the information registration server 3600 shown in Figure 36 is referred to as "server" for convenience. The customer information, the customer point information, and the option transaction application (or agreement) information transmitted from the counter terminal 3675 to the information registration server 3600 are referred to as "point investment application (or agreement) information" for convenience.

Referring to FIGS. 39A and 39B, a point investment application (or agreement) for which a given customer includes at least one of customer information, customer point information, and option transaction application (or agreement) information for option investment using customer points. After completing and submitting, the counter terminal 3675 shown in FIG. 36 connects to the server via a predetermined financial network and connects to the server through a predetermined communication channel. When requesting a user interface for option investment using points (4000), the server corresponding to the predetermined image corresponding to the point investment application (or consent) written by the customer through a predetermined image acquisition device in the terminal Generate (or extract) a user interface for acquiring content and transmitting it to the server (4005) and through the financial network The generated (or extracted) user interface is transmitted to the terminal and output (4010).

Thereafter, the terminal acquires image content corresponding to the point investment application (or agreement) through a predetermined image acquisition device based on the user interface (4015).

If image content corresponding to the point investment application (or agreement) is obtained through the image acquisition device (4020), the terminal transmits the obtained image content to the server through the financial network (4025). .

Thereafter, the server may include (or agree) a point investment application including at least one of customer information corresponding to the point investment application (or agreement) matching the image content, and customer point information and option transaction application (or agreement) information. A user interface for inputting (or selecting) information to be transmitted to the server is generated (or extracted) (4030), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and outputted ( 4035).

Thereafter, the terminal inputs (or selects) point investment application (or agreement) information including at least one of the customer information, customer point information, and option transaction application (or agreement) information through the user interface (4040). .

If the point investment application (or agreement) information including at least one of the customer information, the customer point information and the option transaction application (or agreement) information is input (or selected) through the user interface (4045), the terminal The inputted (or selected) point investment application (or agreement) information is transmitted to the server through the financial network (4050).

Thereafter, the server receives and reads the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the financial network. Or consent) checks the validity of the information (4055).

According to the method of the present invention, the validity of the point investment application (or agreement) information is verified with the point investment application (or agreement) information to the ledger D / B (3800) on the financial system associated with the information registration system. It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity verification unit 3625 may include a ledger on a financial system in which the customer information (customer personal information or member information, etc.) is included in the point investment application (or consent) information. It is preferable to include a check that matches the customer ledger stored in the D / B (3800).

If the validity of the point investment application (or consent) information is not authenticated (4060), the server generates a predetermined information registration error information and transmits it to the terminal (4065), the point investment application (or consent) Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the point investment application (or agreement) information is authenticated (4060), the server generates a predetermined point investment application (or agreement) electronic document containing the image content (4070).

According to an exemplary embodiment of the present invention, the server points the option for the option investment using the customer point as it is an image file including the image content received from the information registration terminal 3680 through the image receiving unit 3620 It is desirable to process the investment application (or consent) electronically.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 in the image content received from the information registration terminal 3680 through the image receiving unit 3620. And an image file corresponding to the image content including at least one or more of customer point information and option transaction application (or agreement) information by watermarking (5atermarking) a point investment application for option investment using the customer point (or Consent) It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the information registration terminal 3680 through the image receiving unit 3620. A file, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate a point for option investment using the customer point. It is desirable to create an investment application (or consent) electronic document.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 on the image content received from the information registration terminal 3680 through the image receiving unit 3620. And generating at least one image content including at least one of customer point information and option transaction application (or consent) information by a watermarking method, and a predetermined document file including the generated image content (eg, PDF). (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is desirable to create a point investment application (or consent) electronic document for option investment.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 3680 through the image receiving unit 3620 and the point investment application received through the information receiving unit 3615 ( Or a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing information, or MHT. It is preferable to generate a point investment application (or agreement) electronic document for option investment using the customer points.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 on the image content received from the information registration terminal 3680 through the image receiving unit 3620. And generating image content including at least one of customer point information and option transaction application (or agreement) information by watermarking, and generating the generated image content and the point investment application (or agreement) information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Generating a point investment application (or consent) electronic document for option investment using the customer points. desirable.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the point investment application. (Or agreement) You will be familiar with the technical features of the image file and / or the file format of the document file corresponding to the electronic document, and the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point investment application (or agreement) electronic document in a predetermined electronic document storage (4075).

As shown in FIG. 36, the electronic document repository includes a predetermined electronic document server 3645 and an electronic document D / B 3665 linked to the server on the information registration system through predetermined communication means. When provided with, the server is to transmit the generated point investment application (or agreement) electronic document to the electronic document server (3645) through the communication means to store in the electronic document D / B (3665) desirable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server stores the generated point investment application (or consent) electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 3665 corresponding to the present invention, thereby not limiting the present invention.

According to the implementation method of this invention, storing the said point investment application (or agreement) electronic document in the said electronic document storage | storage process of the said point investment application (or agreement) electronic document and predetermined | prescribed electronic document management information linkage process. Preferably stored in the electronic document D / B 3665 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point investment application (or agreement) electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (eg, customer information for preparing a point investment application (or agreement) corresponding to the image content, and / or the point investment application (or agreement) electronic document. Financial institution information, and / or electronic document file format information, and / or the point investment application (or consent) information).

If the point investment application (or agreement) electronic document is stored in the electronic document repository (4080), the server requests the customer information, customer point information and option transaction application (included in the point investment application (or agreement) information). Or (agree) the information stored in a predetermined storage medium (3805) by linking the information (4085) and storing the predetermined information registration history information (for example, the point investment application (or consent) in the electronic document repository. , And / or record the details of storing the point investment application (or agreement) information in the storage medium 3805 and transmit the generated (or extracted) information to the terminal (4090).

According to one embodiment of the invention, the storage medium 3805 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3805 may be a ledger D / B 3800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 3800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 3805 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

41A and 41B illustrate a process of registering point investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figs. 41A and 41B are window terminals 3675 in which an information registration terminal 3680 on the information registration system shown in Fig. 36 is provided at a branch (or branch) of a financial institution, and the information registration server 3600. ) Has a ledger server (not shown) function in the financial system associated with the teller terminal 3675 through a predetermined financial network, the predetermined customer can use the customer information and the customer point for the option investment using the customer point. When a point investment application (or agreement) including at least one information and an option transaction application (or agreement) is prepared and submitted, the point investment application (or Acquisition of predetermined image contents corresponding to the agreement form, and the application for point investment application (or consent) to the information registration system through a predetermined information registration interface. When the corresponding point investment application (or agreement) information and the image content obtained from the point investment application (or agreement) are provided, a predetermined point investment application (or agreement) electronic document including the image content is generated. It is stored in a predetermined electronic document store, and the customer information included in the point investment application (or agreement) information, the customer point information and the option transaction application (or agreement) information is processed in association with the stored in the predetermined storage medium (3805) As an implementation method, in detail, the point registration application (or agreement) corresponding to the point investment application (or agreement) is input (or selected) in the counter terminal 3675 to the information registration server 3600. After transmitting to the mobile terminal, a predetermined image content corresponding to the point investment application (or agreement) is obtained through a predetermined image obtaining apparatus. For example, the method of transmitting the information registration server 3600 is illustrated.

Those skilled in the art to which the present invention pertains may apply for (or agree to) the point investment from the terminal 3675 to the information registration server 3600 by referring to and / or modifying the drawings 41a and 41b. Various implementation methods for registering information may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 41A and 41B.

For example, in the implementation method shown in FIGS. 41A and 41B, the counter terminal 3757 acquires predetermined image contents corresponding to the point investment application (or consent) through a predetermined image acquisition device, and Although the user interface for inputting (or selecting) point investment application (or agreement) information corresponding to the point investment application (or agreement) is illustrated and provided from the information registration server 3600, the window When a predetermined information registration program is provided in the terminal 3677, the user interface may not be provided from the information registration server 3600, and the present invention is not limited thereto.

In the following Figures 41a and 41b, the window terminal 3677 shown in Figure 36 is referred to as "terminal" for convenience, and the information registration server 3600 shown in Figure 36 is referred to as "server" for convenience. The customer information, the customer point information, and the option transaction application (or agreement) information transmitted from the counter terminal 3675 to the information registration server 3600 are referred to as "point investment application (or agreement) information" for convenience.

Referring to FIGS. 41A and 41B, a point investment application (or agreement) for which a given customer includes at least one of customer information, customer point information, and option transaction application (or agreement) information for option investment using customer points. After completing and submitting, the counter terminal 3675 shown in FIG. 36 connects to the server through a predetermined financial network and connects a predetermined communication channel to the customer corresponding to the point investment application (or agreement). When requesting a user interface for option investment using points (4100), the server responds to the customer information corresponding to the point investment application (or agreement) written by the customer and the customer point information and option transaction application (or Consent) input (or select) the point investment application (or consent) information containing at least one information and transmit it to the server. A user interface is generated (or extracted) (4105), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (4110).

Thereafter, the terminal inputs (or selects) point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the user interface (4115). .

If the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information is input (or selected) through the user interface (620), the terminal is The input (or selected) point investment application (or agreement) information is transmitted to the server through the financial network (4125).

Thereafter, the server receives and reads the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the financial network. Or consent) checks the validity of the information (4130).

According to the method of the present invention, the validity of the point investment application (or agreement) information is verified with the point investment application (or agreement) information to the ledger D / B (3800) on the financial system associated with the information registration system. It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity verification unit 3625 may include a ledger on a financial system in which the customer information (customer personal information or member information, etc.) is included in the point investment application (or consent) information. It is preferable to include a check that matches the customer ledger stored in the D / B (3800).

If the validity of the point investment application (or consent) information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and the point investment application (or consent). Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the point investment application (or agreement) information is authenticated (635), the server is a predetermined corresponding to the point investment application (or agreement) written by the customer through a predetermined image acquisition device in the terminal A user interface for obtaining and transmitting image content to the server is generated (or extracted) (4145), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (4150).

Thereafter, the terminal acquires image content corresponding to the point investment application (or agreement) through a predetermined image acquisition device based on the user interface (4155).

If image content corresponding to the point investment application (or agreement) is obtained through the image acquisition device (4160), the terminal transmits the obtained image content to the server through the financial network (4165). .

The server receiving the point investment application (or agreement) information and image content from the terminal generates a predetermined point investment application (or agreement) electronic document including the image content (4170).

According to an exemplary embodiment of the present invention, the server points the option for the option investment using the customer point as it is an image file including the image content received from the information registration terminal 3680 through the image receiving unit 3620 It is desirable to process the investment application (or consent) electronically.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 in the image content received from the information registration terminal 3680 through the image receiving unit 3620. And an image file corresponding to the image content including at least one or more of customer point information and option transaction application (or agreement) information by watermarking (5atermarking) a point investment application for option investment using the customer point (or Consent) It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the information registration terminal 3680 through the image receiving unit 3620. A file, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate a point for option investment using the customer point. It is desirable to create an investment application (or consent) electronic document.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 on the image content received from the information registration terminal 3680 through the image receiving unit 3620. And generating at least one image content including at least one of customer point information and option transaction application (or consent) information by a watermarking method, and a predetermined document file including the generated image content (eg, PDF). (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is desirable to create a point investment application (or consent) electronic document for option investment.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 3680 through the image receiving unit 3620 and the point investment application received through the information receiving unit 3615 ( Or a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing information, or MHT. It is preferable to generate a point investment application (or agreement) electronic document for option investment using the customer points.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 on the image content received from the information registration terminal 3680 through the image receiving unit 3620. And generating image content including at least one of customer point information and option transaction application (or agreement) information by watermarking, and generating the generated image content and the point investment application (or agreement) information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Generating a point investment application (or consent) electronic document for option investment using the customer points. desirable.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the point investment application. (Or agreement) You will be familiar with the technical features of the image file and / or the file format of the document file corresponding to the electronic document, and the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point investment application (or agreement) electronic document in a predetermined electronic document storage (4175).

As shown in FIG. 36, the electronic document repository includes a predetermined electronic document server 3645 and an electronic document D / B 3665 linked to the server on the information registration system through predetermined communication means. When provided with, the server is to transmit the generated point investment application (or agreement) electronic document to the electronic document server (3645) through the communication means to store in the electronic document D / B (3665) desirable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server stores the generated point investment application (or consent) electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 3665 corresponding to the present invention, thereby not limiting the present invention.

According to the implementation method of this invention, storing the said point investment application (or agreement) electronic document in the said electronic document storage | storage process of the said point investment application (or agreement) electronic document and predetermined | prescribed electronic document management information linkage process. Preferably stored in the electronic document D / B 3665 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point investment application (or agreement) electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (eg, customer information for preparing a point investment application (or agreement) corresponding to the image content, and / or the point investment application (or agreement) electronic document. Financial institution information, and / or electronic document file format information, and / or the point investment application (or consent) information).

If the point investment application (or consent) electronic document is stored in the electronic document repository (4180), the server requests the customer information, the customer point information, and the option transaction application (included in the point investment application (or agreement) information). Or (agree) the information by linking and storing the information in a predetermined storage medium (3805) (4185) and storing the predetermined information registration history information (e.g., the point investment application (or consent) in the electronic document repository). , And / or record details of storing the point investment application (or agreement) information in the storage medium 3805 and transmit the generated (or extracted) information to the terminal (4190).

According to one embodiment of the invention, the storage medium 3805 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3805 may be a ledger D / B 3800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 3800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 3805 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

42A and 42B illustrate a process of registering point investment application (or agreement) information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 42A and 42B show an information registration terminal 3680 on the information registration system shown in FIG. 36 as a teller terminal 3677 provided at a branch (or branch) of a financial institution, and the information registration server 3600. ) Has a ledger server (not shown) function in the financial system associated with the teller terminal 3675 through a predetermined financial network, the predetermined customer can use the customer information and the customer point for the option investment using the customer point. When a point investment application (or agreement) including at least one information and an option transaction application (or agreement) is prepared and submitted, the point investment application (or Acquisition of predetermined image contents corresponding to the agreement form, and the application for point investment application (or consent) to the information registration system through a predetermined information registration interface. When the corresponding point investment application (or agreement) information and the image content obtained from the point investment application (or agreement) are provided, a predetermined point investment application (or agreement) electronic document including the image content is generated. It is stored in a predetermined electronic document store, and the customer information included in the point investment application (or agreement) information, the customer point information and the option transaction application (or agreement) information is processed in association with the stored in the predetermined storage medium (3805) Specifically, the method for obtaining the predetermined image content corresponding to the point investment application (or agreement) through the predetermined image acquisition device in the teller terminal 3675, and the application for point investment (or agreement). Input (or select) the point investment application (or consent) information corresponding to the document and transmit it to the information registration server 3600. Exemplary method illustrates a.

Those skilled in the art to which the present invention pertains may apply for (or agree to) the point investment from the counter terminal 3675 to the information registration server 3600 by referring to and / or modifying the drawings 42a and 42b. Various implementation methods for registering information may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 42A and 42B.

For example, in the implementation method shown in FIGS. 42A and 42B, the counter terminal 3757 acquires predetermined image contents corresponding to the point investment application (or agreement) through a predetermined image acquisition device, and Although the user interface for inputting (or selecting) point investment application (or agreement) information corresponding to the point investment application (or agreement) is illustrated and provided from the information registration server 3600, the window When a predetermined information registration program is provided in the terminal 3677, the user interface may not be provided from the information registration server 3600, and the present invention is not limited thereto.

In the following Figures 42a and 42b, the window terminal 3677 shown in Figure 36 is referred to as "terminal" for convenience, and the information registration server 3600 shown in Figure 36 is referred to as "server" for convenience. The customer information, the customer point information, and the option transaction application (or agreement) information transmitted from the counter terminal 3675 to the information registration server 3600 are referred to as "point investment application (or agreement) information" for convenience.

Referring to FIGS. 42A and 42B, a point investment application (or agreement) for which a given customer includes at least one of customer information, customer point information, and option transaction application (or agreement) information for option investment using customer points. After completing and submitting, the counter terminal 3675 shown in FIG. 36 connects to the server through a predetermined financial network and connects a predetermined communication channel to the customer corresponding to the point investment application (or agreement). When requesting a user interface for option investment using points (4200), the server corresponding to the point investment application (or agreement) information corresponding to the point investment application (or agreement) written by the customer in the terminal A predetermined image content corresponding to the point investment application (or agreement) through input (or selection) and a predetermined image acquisition device; Obtained generates (or extracts) a user interface for transmitting to the server 4205, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (4210).

Thereafter, the terminal inputs (or selects) point investment application (or consent) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the user interface (4215). .

If the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or consent) information is input (or selected) through the user interface (4220), the terminal is An image content corresponding to the point investment application (or agreement) is obtained through a predetermined image obtaining apparatus based on the user interface (4225).

If image content corresponding to the point investment application (or agreement) is obtained through the image acquisition device (4230), the terminal receives the point investment application (or agreement) information and image content through the financial network. Send to server (735).

Thereafter, the server receives and reads the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the financial network. Or consent) checks the validity of the information (4240).

According to the method of the present invention, the validity of the point investment application (or agreement) information is verified with the point investment application (or agreement) information to the ledger D / B (3800) on the financial system associated with the information registration system. It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity verification unit 3625 may include a ledger on a financial system in which the customer information (customer personal information or member information, etc.) is included in the point investment application (or consent) information. It is preferable to include a check that matches the customer ledger stored in the D / B (3800).

If the validity of the point investment application (or agreement) information is not authenticated (4245), the server generates predetermined information registration error information and transmits it to the terminal (4250), and the point investment application (or agreement). Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the point investment application (or agreement) information is authenticated (4245), the server generates a predetermined point investment application (or agreement) electronic document containing the image content (4255).

According to an exemplary embodiment of the present invention, the server points the option for the option investment using the customer point as it is an image file including the image content received from the information registration terminal 3680 through the image receiving unit 3620 It is desirable to process the investment application (or consent) electronically.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 in the image content received from the information registration terminal 3680 through the image receiving unit 3620. And an image file corresponding to the image content including at least one or more of customer point information and option transaction application (or agreement) information by watermarking (5atermarking) a point investment application for option investment using the customer point (or Consent) It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 3680 through the image receiving unit 3620. ), A word processor file including at least one of an EDI (Electronic Data Interchange) file, or a HWP / DOC, or a web document file including an MHT). It is desirable to generate a point investment application (or consent) electronic document.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 in the image content received from the information registration terminal 3680 through the image receiving unit 3620. And generating at least one image content including at least one of customer point information and option transaction application (or consent) information by a watermarking method, and a predetermined document file including the generated image content (eg, PDF). (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is desirable to create a point investment application (or consent) electronic document for option investment.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 3680 and the point investment application received through the information receiving unit 3615 through the image receiving unit 3620. (Or consent) a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) or MHT It is preferable to generate a point investment application (or agreement) electronic document for option investment using the customer points.

Alternatively, the server may include customer information included in the point investment application (or consent) information received through the information receiving unit 3615 in the image content received from the information registration terminal 3680 through the image receiving unit 3620. And generating image content including at least one of customer point information and option transaction application (or agreement) information by watermarking, and generating the generated image content and the point investment application (or agreement) information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Generating a point investment application (or consent) electronic document for option investment using the customer points. Is recommended.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point investment application (or consent) electronic document in an image file format and / or a predetermined document file format, and the point investment Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the application (or consent) electronic document, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point investment application (or agreement) electronic document in a predetermined electronic document storage (4260).

As shown in FIG. 36, the electronic document repository includes a predetermined electronic document server 3645 and an electronic document D / B 3665 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point investment application (or agreement) electronic document to the electronic document server (3645) via the communication means to store in the electronic document D / B (3665). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server stores the generated point investment application (or consent) electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 3665 corresponding to the present invention, thereby not limiting the present invention.

According to the implementation method of this invention, storing the said point investment application (or agreement) electronic document in the said electronic document storage | storage process of the said point investment application (or agreement) electronic document and predetermined | prescribed electronic document management information linkage process. Preferably stored in the electronic document D / B 3665 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point investment application (or agreement) electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (eg, customer information for preparing a point investment application (or agreement) corresponding to the image content, and / or the point investment application (or agreement) electronic document. Financial institution information, and / or electronic document file format information, and / or the point investment application (or consent) information).

If the point investment application (or consent) electronic document is stored in the electronic document repository (4265), the server requests the customer information, the customer point information and the option transaction included in the point investment application (or consent) information. (Or agreement) the information is linked and stored in a predetermined storage medium 3805 (4270), and predetermined information registration history information (e.g., the point investment application (or consent) is stored in the electronic document storage. Details, and / or details of storing the point investment application (or agreement) information in the storage medium 3805, and generating (or extracting) the information, and transmitting the generated information (or extracting) to the terminal (4275).

According to one embodiment of the invention, the storage medium 3805 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 3805 may be a ledger D / B 3800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 3800, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 3805 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

43 is a diagram illustrating a non-face-to-face information registration system for option investment using customer points according to another embodiment of the present invention.

In more detail, FIG. 43 shows at least one of customer information, customer point information, and option transaction application (or consent) information for a given customer to invest in options using the customer points to the information registration system through a predetermined information registration interface. When providing the point investment application (or consent) information that includes, the information registration system generates a predetermined point investment application (or consent) electronic document including the provided point investment application (or consent) information to generate a predetermined electronic document. In the system configuration to store in the storage, and stored in a predetermined storage medium (4370) by linking the customer information and the customer point information and the option transaction application (or agreement) information included in the point investment application (or consent) information Specifically, investing the customer points in at least one or more options. It is about an implementation method which approves in a face-to-face manner.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 43 to infer various implementation methods for configuring an information registration system for option investment using customer points. The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, if a person having ordinary knowledge in the technical field to which the present invention belongs, in addition to the implementation method shown in FIG. 43, points earned to the customer through agreement of the terms in the point accumulation process is accumulated to a predetermined size or more. When the point is automatically invested in the option, and if the profit for the option investment is generated, it is possible to infer a post-approval method of settlement to the customer with the approval of the customer, but the present invention It includes all the implementation methods inferred and is not limited only to the implementation method shown in FIG.

In addition, in FIG. 43, the electronic document repository may be inferred from the implementation method provided in the DBMS located in the information registration system. However, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implementation method.

In addition, in FIG. 43, the point investment application (or agreement) is described as being generated by the server side on the information registration system. However, the present invention is not limited thereto, and the point investment application (or Consent) The electronic document may be generated on the terminal side which inputs (or selects) the point investment application (or consent) information and transmits it (for example, the terminal has an electronic document generation function provided on the server side. Generate a point investment application (or consent) electronic document, by which the present invention is not limited.

According to another embodiment of the present invention, the point investment application (or consent) electronic document may not be generated in the information registration system shown in FIG. 13 according to the intention of the skilled person, and the present invention is not limited thereto. No.

Hereinafter, the point investment application (or consent) information is received from the customer through a predetermined information registration interface on the information registration system shown in FIG. 43, and a predetermined point investment application (or consent) electronic document is generated to generate a predetermined document. A component corresponding to at least one or more means and / or functional configurations for storing in the electronic document storage and storing the point investment application (or consent) information in a predetermined storage medium 4370 is referred to as "information registration server 4300" for convenience. "

Referring to FIG. 43 in accordance with an embodiment of the present invention, an information registration system for option investment using the customer points includes at least one client terminal including at least one wired terminal and / or wireless terminal used by the customer. And an information registration terminal 4380 including the above information, wherein the information registration terminal 4380 has a communication channel with the information registration server 4300 provided on the information registration system through a predetermined network means. Connected.

According to an exemplary embodiment of the present invention, the customer accesses the information registration server 4300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When inputting (or selecting) point investment application (or agreement) information for option investment using the customer point through at least one or more user interfaces provided by the information registration server 4300, a predetermined network is provided at the client terminal. It is preferable to transmit to the information registration server 4300 provided on the information registration system by means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) ) And / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

Also, the information registration server 4300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

The network means for connecting the client terminal and the information registration server 4300 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based according to the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 4300, and inputs and / or selects at least one or more information through the user interface to the information registration server 4300. It is preferable that a function configuration (for example, a browser program and communication function, or a predetermined communication program and communication function to communicate with the information registration server 4300, 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 information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the information registration server 4300 and And / or the wireless communication network functions as an information registration interface for the customer to register point investment application (or consent) information for option investment using the customer points.

According to another exemplary embodiment of the present invention, the information registration terminal 4380 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. And a fixed line telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 4380 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 4300 performs a function of an information registration interface for registering the point investment application (or agreement) information for the customer to make an option investment using the customer points, and / or the information registration terminal ( If 4380 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 4300 may be used by the customer. Perform a function of an information registration interface for registering point investment application (or consent) information for option investment using the customer points, and / or registering the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the word 4380, the terminal (and / or server) (not shown) and the terminal (and / or server) The network connecting the information registration server 4300 (not shown) performs a function of an information registration interface for registering the point investment application (or agreement) information for the customer to make an option investment using the customer points.

The storage medium 4370 provided on the information registration system according to the present invention includes the customer information, the customer point information, and the optional transaction included in the point investment application (or agreement) information provided from the information registration terminal 4380. The application (or consent) information may be stored in a predetermined storage medium 4370 by linking and processing the information.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning institution (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company, It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

For example, the option transaction application (or agreement) information is preferably made including the member ID information and password of the customer provided in the financial institution.

Alternatively, the option transaction application (or consent) information may be authorized certificate information (eg, information encrypted with various encryption keys included in the certificate) issued to the customer by the financial institution (or certificate authority), and / or Preferably, the financial institution includes at least one OTP code generated through an One Time Password (OTP) generator issued to the customer, and / or security card information issued to the customer by the financial institution.

According to one embodiment of the invention, the storage medium 4370 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 4370 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 4370 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 4300 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 4380 via 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 an embodiment of the present invention, when the information registration terminal 4380 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 4300. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal 4380 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 4300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 4300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the information registration terminal 4380 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the information registration server 4300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the information registration server 4300 is provided with an interface unit 4305 for connecting and managing a predetermined communication channel with the information registration terminal 4380 via the network means. do.

According to an embodiment of the present invention, when the information registration terminal 4380 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 4305 may At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is 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 4305 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 communication program (eg, an internet banking program) provided by the information registration server 4300, the interface unit 4305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a financial automation device connected to a predetermined financial network, the interface unit 4305 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 4305 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is equipped with a browser program corresponding to a WAP (12ireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 4305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (12ireless Markup Language) compliant webpage, or an HTML compliant webpage) and / or information using a WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 4300, the interface unit 4305 may communicate with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 4305 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 4305 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 4305 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 43, when the predetermined information registration terminal 4380 connects a predetermined communication channel with the information registration server 4300 through the interface unit 4305, the customer is requested. Generate at least one user interface for inputting (or selecting) predetermined point investment application (or agreement) information to the information registration server 4300 in the information registration terminal 4380 for option investment using points. An interface providing unit 4310 to provide the generated (or extracted) user interface to the information registration terminal 4380 in association with the interface unit 4305, and the information registration terminal 4380. In the case of inputting (or selecting) the point investment application (or agreement) information through the user interface and transmitting the information, the information registration stage is linked with the interface unit 4305. By having a the point investment application (or motion) information receiver (4315) for receiving information transmitted from the (4380) characterized by comprising.

The interface providing unit 4310 connects a predetermined communication channel with the information registration server 4300 through the interface unit 4305, and then the information registration server 4300. When requesting a user interface for option investment using a customer point, the information registration server 4300 inputs (or selects) predetermined point investment application (or consent) information from the information registration terminal 4300 through the network means. Generate at least one user interface to transmit to the network means, and / or extract from a predetermined database (not shown), and link the generated means (or extracted) with the interface unit 4305 to the network means. It is characterized in that provided through the information registration terminal (4380).

According to an embodiment of the present invention, when the information registration terminal 4380 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 4310. 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 4305 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a financial automation device connected to a predetermined financial network, the interface providing unit 4310 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 4305.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 4310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 4305.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 4310 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 4305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 4380 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface provider 4310 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 4305. .

According to another embodiment of the present invention, at least a predetermined point investment application (or agreement) information is input (or selected) to the information registration terminal 4330 and transmitted to the information registration server 4300 through the network means. When a predetermined information registration program having one or more user interfaces is provided, a user interface for inputting (or selecting) predetermined point investment application (or agreement) information and transmitting the predetermined point investment application information (or agreement) to the information registration server 4300 as described above. The interface providing unit 4310 to generate (or extract) to provide to the information registration terminal 4380 may be omitted, thereby not limited to the present invention.

Thereafter, the information registration terminal 4380 inputs (or selects) point investment application (or consent) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the user interface. And the input (or selected) point investment application (or consent) information is transmitted to the information registration server 4300 through the network means, and correspondingly, the information receiving unit 4315 is connected to the interface unit 4305. ) And the point investment application (or agreement) information transmitted from the information registration terminal (4380).

According to an embodiment of the present invention, the information registration terminal 4380 may register the information in the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information. An OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the point investment application (or agreement) information on the server 4300. It is preferable to further include at least one or more to transmit to the information registration server 4300 through the network means.

According to an embodiment of the present invention, the information registration terminal 4380 may include at least one or more point investment application (or agreement) information including at least one of the customer information, customer point information, and option transaction application (or agreement) information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or apply for the point investment (Or consent) a predetermined electronic signature is attached to the information and transmitted to the information registration server 4300 through the network means, and for this purpose, the information registration terminal 4380 may include at least one corresponding to the encryption scheme. Have a cryptographic key of at least one, and / or have a predetermined public certificate comprising at least one cryptographic key, or And / or If the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the information registration terminal 4380 may include at least one or more point investment application (or agreement) information including at least one of the customer information, customer point information, and option transaction application (or agreement) information. The information through the network means by encrypting with an encryption method (eg, a symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method). It is preferable to transmit to the registration server 4300. For this purpose, the information registration terminal 4380 has a predetermined at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. When the official certificate is provided and / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC chip (and The IC card is preferably provided with a card reader for checking the official certificate provided.

If one of ordinary skill in the art of the present invention belongs to the technical characteristics of the various encryption schemes for encrypting the point investment application (or agreement) information, and the predetermined electronic signature to the point investment application (or agreement) information Since it will be familiar with the technical features to be attached, the detailed description thereof will be omitted for convenience.

Referring to FIG. 43, when the point investment application (or consent) information transmitted from the information registration terminal 4380 is received through the information receiving unit 4315, the information registration server 4300 receives the received point investment. Characterized in that the application (or consent) is provided with a validity verification unit for confirming whether the validity for the option investment using the customer point.

According to an embodiment of the present invention, the point investment application (or agreement) information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, And / or a key exchange-based encryption scheme, etc.), the validity authentication unit converts the encrypted point investment application (or agreement) information into at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc. to authenticate validity of the received point investment application (or consent) information. It is preferable.

Alternatively, when a predetermined electronic signature is attached to the point investment application (or consent) information, the validity verification unit checks the electronic signature attached to the point investment application (or consent) information, thereby receiving the received point investment application ( Or consent) to verify the validity of the information.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted point investment application (or agreement) information, and attached to the point investment application (or agreement) information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the point investment application (or agreement) information received through the information receiving unit 4315 further includes a predetermined password for confirming the validity of the point investment application (or agreement) information. In this case, the validity authentication unit compares and authenticates the received password included in the point investment application (or agreement) information with a password provided corresponding to the customer on the DBMS, thereby receiving the received point investment application (or agreement) information. It is desirable to authenticate the validity of the.

Alternatively, when the point investment application (or agreement) information received through the information receiving unit 4315 further includes predetermined security card information for confirming the validity of the point investment application (or agreement) information, The validity authentication unit compares and authenticates the received security card information included in the point investment application (or agreement) information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received point investment application (or agreement). It is desirable to authenticate the validity of the information.

Alternatively, when the point investment application (or agreement) information received through the information receiver 4315 further includes a predetermined OTP code for confirming the validity of the point investment application (or agreement) information, the validity The authentication unit compares and authenticates the received OTP code included in the point investment application (or agreement) information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to certify the validity of the point investment application (or consent) information.

According to the method of the present invention, the validation of the point investment application (or agreement) information is at least matched to the point investment application (or agreement) information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 4325 may include a ledger on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point investment application (or consent) information is associated with the information registration system. It is preferable to include a check that matches the customer ledger stored in the D / B.

Referring to FIG. 43, when the validity of the point investment application (or agreement) information is authenticated through the validity verification unit 4325, the information registration server 4300 receives the received point investment application (or agreement) information. An electronic document generation unit 4330 for generating a predetermined point investment application (or agreement) electronic document including a; and the generated point investment application (or agreement) electronic document to an electronic document repository associated with the information registration system. And an electronic document transmission unit 4335 to be transmitted.

The electronic document generating unit 4330 generates a point investment application (or agreement) electronic document including the point investment application (or agreement) information received from the information registration terminal 4380 through the information receiving unit 4315. Characterized in that.

According to an exemplary embodiment of the present invention, the electronic document generating unit 4330 may include customer information, customer point information, and option transaction application (included in the point investment application (or agreement) information received through the information receiving unit 4315. Or a document content including at least one information, and generates a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. It is preferable to process a word processing file including at least one or a web document file including an MHT, etc.) into a point investment application (or agreement) electronic document for option investment using the customer point.

Alternatively, the electronic document generation unit 4330 may include at least one of customer information, customer point information, and option transaction application (or agreement) information included in the point investment application (or agreement) information received through the information receiving unit 4315. Generating document contents including the above, and watermarking at least one or more of customer information included in the point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information in the document content. The document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the document content including the watermarking. A word processing file, or a web document file including an MHT, etc. A) it is preferred to handle electronically.

Alternatively, the electronic document generation unit 4330 may include at least one of customer information, customer point information, and option transaction application (or agreement) information included in the point investment application (or agreement) information received through the information receiving unit 4315. Create an optional document content including the above, and the option investment using the customer point to an image file including the image content (for example, the image content generated by capturing the document content on the memory) captured the document content It is advisable to process the point investment application (or consent) electronically.

Alternatively, the electronic document generation unit 4330 may include at least one of customer information, customer point information, and option transaction application (or agreement) information included in the point investment application (or agreement) information received through the information receiving unit 4315. A customer that generates document content including the above, and is included in the point investment application (or consent) information in the image content (eg, the image content generated by capturing the document content on a memory) captured by the document content. After at least one of information, customer point information and option transaction application (or consent) information is included in a watermarking method, an image file including the image content including the watermarking is used. It is advisable to process the point investment application (or consent) electronic document for option investment.

According to another exemplary embodiment of the present invention, the electronic document generating unit 4330 may apply customer information, customer point information, and option transaction included in the point investment application (or agreement) information received through the information receiving unit 4315. (Or consent) a predetermined document that generates document content including at least one piece of information and includes image content (eg, image content generated by capturing the document content on a memory) that captures the document content. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the point investment application (or agreement) electronic document for the option investment using the customer points.

Alternatively, the electronic document generation unit 4330 may include at least one of customer information, customer point information, and option transaction application (or agreement) information included in the point investment application (or agreement) information received through the information receiving unit 4315. A customer that generates document content including the above, and is included in the point investment application (or consent) information in the image content (eg, the image content generated by capturing the document content on a memory) captured by the document content. A document file including image information including at least one of information, customer point information, and option transaction application (or agreement) information in a watermarking manner, and including the image content including the watermarking (eg, , At least one Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC. By generating a word processor file, or a web document file including MHT), and processing it as a point investment application (or consent) electronic document for option investment using the customer points.

According to another exemplary embodiment of the present invention, the electronic document generating unit 4330 may include customer information, customer point information, and option transactions included in the point investment application (or agreement) information received through the information receiving unit 4315. Generating document content including at least one application (or agreement) information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the point investment application (Or consent) a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) or MHT By generating a web document file, etc.), to the point investment application (or agreement) electronic document for the option investment using the customer points Lee it is preferable to.

Alternatively, the electronic document generation unit 4330 may include at least one of customer information, customer point information, and option transaction application (or agreement) information included in the point investment application (or agreement) information received through the information receiving unit 4315. A customer that generates document content including the above, and is included in the point investment application (or consent) information in the image content (eg, the image content generated by capturing the document content on a memory) captured by the document content. Generate image content including at least one of information, customer point information, and option transaction application (or consent) information in a watermarking manner, and the image content including the watermarking and the point investment application (or Document file (e.g., Portable Document Format (PDF) file, or EDI (Electronic Data Interchange)) containing information One, or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), to generate a point investment application (or agreement) electronic document for option investment using the customer points. It is preferable to process.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 4330 is a technical feature of generating a point investment application (or consent) electronic document of the image file format and / or a predetermined document file format And, it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the point investment application (or consent) electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 4335 transmits and stores the point investment application (or agreement) electronic document generated by the electronic document generating unit 4330 to a predetermined electronic document repository associated with the information registration system. It features.

As shown in FIG. 43, the electronic document repository is connected to the information registration server 4300 on the information registration system with a predetermined electronic document server 4345 and an electronic document D / B 4365 linked through predetermined communication means. When provided externally, the electronic document transmission unit 4335 is the electronic document server via the communication means for the point investment application (or consent) generated by the electronic document generation unit 4330 It is characterized in that the transmission to (4345).

Here, when the electronic document server 4345 and the electronic document D / B 4355 are provided outside the information registration system, the electronic document server 4435 and the electronic document D / B 4355 are authorized. It is advisable to manage it in an established institution

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the information registration system, the electronic document transmitting unit 4335 is the point generated by the electronic document generating unit 4330. It is possible to store the investment application (or consent) electronic document in the electronic document D / B 4355 corresponding to the electronic document storage on the DBMS provided in the information registration system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 4335 may use the electronic document related information (eg, the point investment application (or consent) for generating predetermined electronic document management information in the electronic document server 4435. Customer information transmitted by inputting (selecting) information, and / or financial institution information transmitting the point investment application (or consent) electronic document, and / or electronic document file format information, and / or the point investment application (or Consent) information, etc.) may be further transmitted to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 43, the information registration server 4300 performs the option investment using the customer points through the validity checking unit 4325 for the point investment application (or agreement) information received through the information receiving unit 4315. When the validity is authenticated, the customer information included in the validity-certified point investment application (or agreement) information and the customer point information and the option transaction application (or agreement) information are linked to a predetermined storage medium 4370. An information storage unit 4340 is provided.

When the validity of the point investment application (or agreement) information is confirmed by the validity confirmation unit 4325, the information storage unit 4340 may store the customer information and the customer point included in the point investment application (or agreement) information. And storing information in the storage medium 4370 by linking the information and the option transaction application (or consent) information, wherein the storage medium 4370 is provided in the information registration server 4300 or the information registration server. When provided on a network associated with 4300, the information storage unit 4340 may include customer information included in the received point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information. It is preferable to store the data in the storage medium 4370 in association with the storage medium. When the storage medium 4370 is provided in a DBMS provided on a financial system, the information storage unit 4340 receives the received information. The customer information included in the point investment application (or agreement) information, the customer point information and the option transaction application (or agreement) information is provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system. desirable.

Referring to FIG. 43, a predetermined point investment application (or agreement) electronic document is received from the information registration server 4300 provided on the information registration system, and stored and managed in a predetermined electronic document D / B 4355. The electronic document server 4345 includes an electronic document receiving unit 4350 for receiving a predetermined point investment application (or agreement) electronic document from the information registration server 4300 through a predetermined communication means, and the received point investment. An information generation unit 4355 for generating predetermined electronic document management information for storing and managing an application (or consent) electronic document in the electronic document D / B 4365, and the electronic document management information and the point investment application (Or agreement) an electronic document storage unit 4360 for linking and processing the electronic document and storing the electronic document in the predetermined electronic document D / B 4365.

The electronic document receiving unit 4350 may receive a point investment application (or consent) electronic document in the form of an image file and / or a document file from the information registration server 4300 through the communication means.

According to the exemplary embodiment of the present invention, the point investment application (or agreement) of the electronic document received by the electronic document receiving unit 4350 through the communication means is performed by the information registration server 4300 from the information registration terminal 4380. A document file (eg, Portable Document Format (PDF)) containing document information including at least one of customer information included in the received point investment application (or consent) information, and customer point information and option transaction application (or consent) information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

Alternatively, the point investment application (or agreement) that the electronic document receiving unit 4350 receives through the communication means may include the point investment application received by the information registration server 4300 from the information registration terminal 4380. Or consent) information included in the point investment application (or agreement) information in document content including at least one of customer information included in the information, customer point information, and option transaction application (or agreement) information; After including at least one or more of the option transaction application (or consent) information by watermarking (12atermarking) method, a document file (eg, a Portable Document Format (PDF) file or EDI file containing document content including the watermarking) (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT) It comprises are preferred.

Alternatively, the point investment application (or agreement) that the electronic document receiving unit 4350 receives through the communication means is the point investment application (or received) received by the information registration server 4300 from the information registration terminal 4380. Consent) image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, customer point information, and option transaction application (or consent) information included in the information. It is preferable to include an image file (including image content).

Alternatively, the point investment application (or agreement) that the electronic document receiving unit 4350 receives through the communication means may include the point investment application received by the information registration server 4300 from the information registration terminal 4380. Or image data (eg, capturing the document content on a memory) that captures document content including at least one of customer information included in the information, customer point information, and option transaction application (or consent) information. The water content after including at least one of customer information included in the point investment application (or agreement) information and at least one of customer point information and option transaction application (or agreement) information in a single image content; It is preferable to include an image file including the image content including the marking.

According to another exemplary embodiment of the present invention, the point-investment application (or agreement) of the electronic document received by the electronic document receiving unit 4350 through the communication means is performed by the information registration server 4300 by the information registration terminal 4330. Image content (eg, the document) which captures document content including at least one of customer information included in the point investment application (or consent) information received from the customer information, and customer point information and the option transaction application (or consent) information. Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the point investment application (or agreement) that the electronic document receiving unit 4350 receives through the communication means is the point investment application (or received) received by the information registration server 4300 from the information registration terminal 4380. Consent) image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, customer point information, and option transaction application (or consent) information included in the information. Image content) to generate image content including at least one of customer information included in the point investment application (or consent) information and at least one or more of customer point information and option transaction application (or consent) information in a 12atermarking manner. And a document file (eg, a Portable Document Format (PDF) file) containing the image content including the watermarking, and Preferably includes an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the point-investment application (or agreement) of the electronic document received by the electronic document receiving unit 4350 through the communication means is performed by the information registration server 4300 by the information registration terminal 4330. Image content (e.g., the above) captured document content including at least one of customer information included in the point investment application (or consent) information received from A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) containing the content of the image captured by capturing document content on a memory and the point investment application (or consent) information A word processor file including at least one HWP / DOC, or a web document file including MHT). It is right.

Alternatively, the point investment application (or agreement) that the electronic document receiving unit 4350 receives through the communication means is the point investment application (or received) received by the information registration server 4300 from the information registration terminal 4380. Consent) image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, customer point information, and option transaction application (or consent) information included in the information. Image content) to generate image content including at least one of customer information included in the point investment application (or consent) information and at least one or more of customer point information and option transaction application (or consent) information in a 12atermarking manner. And a document wave including the image content including the watermarking and the point investment application (or agreement) information. One (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT). It is preferable.

The information generating unit 4355 is a predetermined electronic document unique number (or unique information) to be assigned to the point investment application (or agreement) electronic document received through the electronic document receiving unit 4350, and the electronic document receiving unit 4350 Electronic document containing electronic document archiving date and time information including the date and time the point investment application (or consent) electronic document was received (or the date and time the point investment application (or consent) electronic document was stored). And generating management information.

According to an exemplary embodiment of the present invention, the information generating unit 4355 may refer to the information registration server 4300 that transmits the point investment application (or agreement) electronic document received through the electronic document receiving unit 4350. It is preferable to identify a financial institution that has sent the point investment application (or consent) electronic document, and generate electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present disclosure, when the electronic document receiving unit 4350 receives a predetermined electronic document related information from the information registration server 4300, the information generating unit 4355 may receive the received electronic document. Customer information transmitted by inputting (selecting) information related to an electronic document (eg, the point investment application (or consent), and / or financial institution information transmitting the point investment application (or consent) electronic document, and / or And electronic document file format information, and / or the point investment application (or consent) information).

The electronic document storage unit 4360 associates the point investment application (or agreement) electronic document received through the electronic document receiving unit 4350 with the electronic document management information generated through the information generating unit 4355. Characterized in that it is stored in the electronic document D / B (4365).

According to the exemplary embodiment of the present invention, the point-investment application (or agreement) that the electronic document storage unit 4360 stores in the electronic document D / B 4355 is performed by the information registration server 4300. A document file including document information including at least one of customer information included in the point investment application (or agreement) information received from the registration terminal 4380 and customer point information and option transaction application (or agreement) information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the point-investment request (or agreement) of the electronic document stored in the electronic document D / B 4365 by the electronic document storage unit 4360 is received by the information registration server 4300 from the information registration terminal 4380. Customer information included in the point investment application (or consent) information in the document content including the customer information included in the one-point investment application (or consent) information and at least one of the customer point information and the option transaction application (or consent) information. And a document file (eg, PDF) including document content including the watermarking after including at least one of customer point information and option transaction application (or consent) information in a watermarking manner. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., web document file including MHT, etc. It is preferable to comprise).

Alternatively, the point-investment request (or agreement) of the electronic document stored in the electronic document D / B 4365 by the electronic document storage unit 4360 is received by the information registration server 4300 from the information registration terminal 4380. Image content (eg, the document content) which captures document content including at least one of customer information included in the one-point investment application (or agreement) information, and customer point information and the option transaction application (or agreement) information. It is preferably made to include an image file (including image content generated by capturing on the memory).

Alternatively, the point-investment request (or agreement) of the electronic document stored in the electronic document D / B 4365 by the electronic document storage unit 4360 is received by the information registration server 4300 from the information registration terminal 4380. Image content (eg, the document content) which captures document content including at least one of customer information included in the one-point investment application (or agreement) information, and customer point information and the option transaction application (or agreement) information. 12atermarking a method of watermarking at least one of customer information included in the point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information in the image content captured and generated in memory. After the inclusion, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the point-investment application (or agreement) that the electronic document storage unit 4360 stores in the electronic document D / B 4355 is performed by the information registration server 4300. An image capturing document contents including at least one of customer information included in the point investment application (or agreement) information received from the information registration terminal 4380 and customer point information and the option transaction application (or agreement) information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) And at least one word processor file or at least one web document file including the MHT.

Alternatively, the point-investment request (or agreement) of the electronic document stored in the electronic document D / B 4365 by the electronic document storage unit 4360 is received by the information registration server 4300 from the information registration terminal 4380. Image content (eg, the document content) which captures document content including at least one of customer information included in the one-point investment application (or agreement) information, and customer point information and the option transaction application (or agreement) information. Image content captured on the memory) and at least one or more of customer information included in the point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information by watermarking (12atermarking). A document file (for example, a PDF (Portable Document Format) file) including an image content including the watermark, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the point-investment application (or agreement) of the electronic document storage unit 4360 stored in the electronic document D / B 4355 is performed by the information registration server 4300. Capturing document contents including at least one of customer information included in the point investment application (or agreement) information received from the information registration terminal 4380 and customer point information and the option transaction application (or agreement) information. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (Electronic) containing image content (e.g., image content generated by capturing the document content on a memory) and the point investment application (or agreement) information. Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). Preferable.

Alternatively, the point-investment request (or agreement) of the electronic document stored in the electronic document D / B 4365 by the electronic document storage unit 4360 is received by the information registration server 4300 from the information registration terminal 4380. Image content (eg, the document content) which captures document content including at least one of customer information included in the one-point investment application (or agreement) information, and customer point information and the option transaction application (or agreement) information. Image content captured on the memory) and at least one or more of customer information included in the point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information by watermarking (12atermarking). A document including image content including the watermarking and the point investment application (or agreement) information; A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

According to the implementation method of the present invention, the electronic document management information stored in the electronic document D / B (4365) by the electronic document storage unit 4360 in conjunction with the point investment application (or consent) electronic document, the The point investment application (or consent) preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 4355 by the electronic document storage unit 4360 in connection with the point investment application (or agreement) electronic document, The point investment application (or agreement) electronic document that has transmitted the point investment application (or agreement) preferably sent to the electronic institution, the information is preferably further included.

According to another exemplary embodiment of the present invention, when the predetermined electronic document-related information is further received from the information registration server 4300, the electronic document storage unit 4360 may correspond to the point investment application (or agreement) electronic document. The electronic document management information stored in the electronic document D / B 4365 by linking processing is inputted (selected) to the received electronic document related information (for example, the point investment application (or consent) information, and transmitted). And / or financial institution information for transmitting the point investment application (or consent) electronic document, and / or electronic document file format information, and / or the point investment application (or consent) information, etc.). desirable.

44 illustrates a point investment application (or agreement) information structure stored in a ledger D / B 4400 provided in a DBMS on a financial system in a non-face-to-face manner for option investment using customer points according to an embodiment of the present invention. One drawing.

More specifically, FIG. 44 shows the ledger information provided in the ledger D / B 4400 when the storage medium 4370 shown in FIG. 43 is the ledger D / B 4400 provided in the DBMS on the financial system. In the technical field to which the present invention pertains to an embodiment of a method for storing point investment application (or agreement) information including the customer information, customer point information, and option transaction application (or agreement) information. Those skilled in the art may refer to and / or modify the drawing 44 to infer various information construction methods for storing the point investment application (or agreement) information in the ledger D / B 4400. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 44 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 4400 included in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 4400 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 44, the point investment application (or agreement) information provided through the information registration system shown in FIG. 43 is stored in the form of additional information added to the customer ledger. Consent) information is characterized in that it comprises at least one or more customer information, customer point information and option transaction application (or consent) information.

Here, the customer information included in the point investment application (or agreement) information stored in the form of additional information added to the customer ledger has a CIF number for linking the customer ledger and the point investment application (or agreement) information. It is preferred to be included.

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning account (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution. It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

According to the implementation method of the present invention, when the point investment application (or agreement) information is received from the financial institution (or certification authority) to the customer, the electronic certificate of the customer is attached, the customer ledger Preferably, the option transaction application (or agreement) information included in the point investment application (or agreement) information stored in the form of additional information added to the information includes electronic signature information of the customer.

Alternatively, when the point investment application (or consent) electronic document is stored in a predetermined electronic document repository, the option transaction application included in the point investment application (or consent) information stored in the form of additional information added to the customer ledger. (Or consent) The information preferably includes the electronic document information.

According to another embodiment of the present invention, the point investment application (or consent) information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, customers). It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

45 is a point investment application (or agreement) stored in a database linked to the ledger D / B 4500 provided in a DBMS on a financial system in a non-face to face option investment using customer points according to another embodiment of the present invention. Fig. 1 shows the information structure.

More specifically, FIG. 45 shows an information structure for an embodiment in which the storage medium 4505 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 4500 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 45 to transfer the point investment application (or consent) information to a predetermined database. It will be able to infer a variety of information configuration method to be stored in association with the 4500, but the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

Particularly, in FIG. 45, it is not easy to store the point investment application (or agreement) information in the ledger information of the ledger D / B 4500 on the DBMS provided on the financial system (for example, the policy of the financial institution). If it is not easy to change the ledger D / B 4500 of the DBMS, or the system is not easy to expand due to the characteristics of the financial system), apply for the point investment in a predetermined database instead of the ledger D / B 4500. (Or agreement) shows an implementation method of storing information and storing the database in association with the ledger D / B 4500.

In addition, the database shown in FIG. 45 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 45, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 45, the database stores and stores the customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) information in association with each other. Application (or consent) information is preferably made to further include a CIF number corresponding to the ledger information in the point investment application (or consent) information to be processed in conjunction with the ledger D / B (4500).

Here, the customer information included in the point investment application (or agreement) information associated with the ledger D / B 4500 matches the customer ledger provided in the ledger D / B 4500 through the CIF number. Is omitted.

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning account of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company. At least one airline, a travel agency, an internet shopping mall, an offline store (or a department store), and the like, are preferably included.

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

According to the implementation method of the present invention, when the point investment application (or agreement) information is received from the financial institution (or certification authority) to the customer, the electronic certificate of the customer is attached, the ledger D Preferably, the option transaction application (or agreement) information included in the point investment application (or agreement) information associated with / B 4500 includes the electronic signature information of the customer.

Alternatively, when the point investment application (or agreement) electronic document is stored in a predetermined electronic document repository, the option transaction application included in the point investment application (or agreement) information linked to the ledger D / B 4500. (Or consent) The information preferably includes the electronic document information.

46 is a view showing the configuration of the point investment application (or agreement) information stored in the DBMS provided in the banking server in a non-face-to-face for option investment using the customer point in accordance with another embodiment of the present invention.

More specifically, Figure 46 illustrates a predetermined banking system in which the storage medium 4505 shown in Figure 8 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, provided with at least one banking server by referring to and / or modified in the present drawing 46 It is possible to infer a method of constructing information on point investment application (or agreement) information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

46, a predetermined DBMS provided in the banking server associates and stores customer information included in the point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information. It is characterized by.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning institution (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company, It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

According to an embodiment of the present invention, when the point investment application (or agreement) information is received from the financial institution (or certification authority) to the customer, the electronic certificate of the customer is attached to the banking server. Preferably, the option transaction application (or agreement) information included in the point investment application (or agreement) information included in a predetermined DBMS is included in the electronic signature information of the customer.

Alternatively, when the point investment application (or agreement) electronic document is stored in a predetermined electronic document repository, the option transaction included in the point investment application (or agreement) information included in the predetermined DBMS provided in the banking server. Application (or consent) information preferably comprises the electronic document information.

47A and 47B illustrate a process of registering point investment application (or agreement) information in a non-face-to-face manner for option investment using customer points according to one embodiment of the present invention.

In more detail, FIGS. 47A and 47B show that the information registration terminal 880 on the information registration system shown in FIG. 8 is a client terminal, and the information registration server 800 can connect to the client terminal through a predetermined network means. In the case of having a web server function, a point where a predetermined customer includes at least one of customer information, customer point information and option transaction application (or agreement) information through the client terminal for option investment using the customer point. If the investment application (or consent) information is provided, the information registration system generates a predetermined point investment application (or consent) electronic document containing the provided point investment application (or consent) information and stores it in a predetermined electronic document archive. And the customer information and customer points included in the point investment application (or consent) information. Information processing application (or agreement) information is stored in a predetermined storage medium (4505), and those of ordinary skill in the art to which the present invention belongs, Figure 47a and While referring to and / or modifying 47b, various implementation methods for registering the point investment application (or consent) information from the client terminal to the information registration server 800 may be inferred. A method is included and is not limited to the embodiment shown in FIGS. 47A and 47B.

For example, in the implementation method shown in FIGS. 47A and 47B, a predetermined web provided by the information registration server 800 provides a user interface for the client terminal to input (or select) the point investment application (or agreement) information. Although illustrated as being provided through a page, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 800, and the present invention is not limited thereto. No.

In the following Figures 47a and 47b, the client terminal shown in Figure 8 is referred to as a "clothing" terminal, and the information registration server 800 shown in Figure 8 is referred to as a "server" for convenience. The customer information, the customer point information and the option transaction application (or agreement) information transmitted to the information registration server 800 is referred to as "point investment application (or agreement) information" for convenience.

47A and 47B, when the client terminal shown in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal) Connect to the server through a CDMA based (and / or HSDPA based) mobile communication network, and / or IEEE 802.16x based portable Internet, and / or IEEE 802.11x based wireless LAN, etc. When a web page including a user interface for option investment using points is requested (4700), the server correspondingly points to at least one of the customer information, the customer point information, and the option transaction application (or consent) information. Generate a web page including a user interface for inputting (or selecting) investment application (or consent) information and sending it to the server ( Extracts), and 4705, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station (4710).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the point investment application (or agreement) information registration procedure. The present invention is not limited.

Thereafter, the terminal inputs (or selects) point investment application (or agreement) information including at least one or more customer information, customer point information, and option transaction application (or agreement) information through a user interface included in the web page. (4715).

If the terminal inputs (or selects) point investment application (or consent) information including the customer information, the customer point information, and the option transaction application (or agreement) information through the user interface (4720), the terminal The input (or selected) customer information, customer point information, and option transaction application (or agreement) information are transmitted to the server through the communication channel (4725).

According to an embodiment of the present invention, the terminal may apply the point investment application (or agreement) to the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information. Or consent) at least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or an OTP code generated through a predetermined one time password (OTP) generator. It is preferable to transmit to the server via.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption information (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the point investment application (or consent) information. It is preferable to transmit a predetermined electronic signature to the server through the network means, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. It is provided with a predetermined official certificate, and / or the official certificate is a predetermined IC chip ( Preferably, if provided in the IC card), which is provided with the IC chip (or a card reader for identifying the certificate provided in the IC card).

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption information (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate If it is equipped with an IC chip (or IC card), check the official certificate provided with the IC chip (or IC card). It is for a card reader which is provided is preferable.

If one of ordinary skill in the art of the present invention belongs to the technical characteristics of the various encryption schemes for encrypting the point investment application (or agreement) information, and the predetermined electronic signature to the point investment application (or agreement) information Since it will be familiar with the technical features to be attached, the detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the customer point information, and the option transaction application (or agreement) information through the communication channel to confirm the validity of the point investment application (or agreement) information (4730).

According to an embodiment of the present invention, the point investment application (or agreement) information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, And / or a key exchange-based encryption scheme, etc.), the server converts the encrypted point investment application (or agreement) information into at least one decryption scheme (eg, symmetric key-based decryption scheme, corresponding to the encryption scheme). And / or decryption using a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme, etc., thereby authenticating the validity of the received point investment application (or consent) information. It is preferable.

Alternatively, when a predetermined electronic signature is attached to the point investment application (or consent) information, the server verifies the electronic signature attached to the point investment application (or consent) information, thereby receiving the received point investment application (or Consent) It is desirable to authenticate the validity of the information.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted point investment application (or agreement) information, and attached to the point investment application (or agreement) information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the point investment application (or agreement) information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the point investment application (or agreement) information. In this case, the server compares and authenticates the received password included in the point investment application (or agreement) information with the password provided corresponding to the customer on the DBMS, and thereby the information on the received point investment application (or agreement) information. It is desirable to authenticate validity.

Alternatively, when the point investment application (or agreement) information received through the information receiver 815 further includes predetermined security card information for confirming the validity of the point investment application (or agreement) information. The server compares and authenticates the received security card information included in the point investment application (or agreement) information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received point investment application (or agreement) information. It is desirable to authenticate the validity of the.

Alternatively, when the point investment application (or agreement) information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the point investment application (or agreement) information, the server The received point by comparing and authenticating the received OTP code included in the point investment application (or consent) information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, It is desirable to certify the validity of the investment application (or consent) information.

According to the method of the present invention, the validity of the point investment application (or agreement) information is verified with the point investment application (or agreement) information to the ledger D / B (4500) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 825 may be a ledger on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point investment application (or consent) information is associated with the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B 4500.

If the validity of the point investment application (or consent) information is not authenticated (4735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (4740), and the point investment Do not perform information registration procedures that correspond to application (or consent) information.

On the other hand, if the validity of the point investment application (or agreement) information is authenticated (4735), the server at least one or more customer information including the point investment application (or agreement) information, customer point information and option transaction application (or Consent) generates predetermined document content including information (4745), and generates a predetermined point investment application (or consent) electronic document including the document content (4750).

According to an exemplary embodiment of the present invention, the server may include document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the document content, and an MHT. Web document file, etc.) is preferably processed as a point investment application (or agreement) electronic document for option investment using the customer point.

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. After the watermarking method includes the customer information included in the point investment application (or agreement) information and at least one or more of the customer point information and the option transaction application (or agreement) information, the document including the watermarking Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is a point investment application (or consent) electronic document for option investment using the customer points. .

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information, and option transaction application (or agreement) information, and the document content. Processing an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) into an electronic document for point investment application (or consent) for option investment using the customer points. It is desirable to.

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. The customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) included in the captured image content (eg, the image content generated by capturing the document content on the memory). After including at least one of the information in a watermarking (Watermarking) method, an image file containing the image content including the watermarking to the point investment application (or consent) electronic document for option investment using the customer points It is preferable to process.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, customer point information, and option transaction application (or agreement) information included in the received point investment application (or agreement) information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and generating the captured document content. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), a point investment application for option investment using the customer points ( Or consent).

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. The customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) included in the captured image content (eg, the image content generated by capturing the document content on the memory). Generating image content including at least one or more information of the information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the image content including the watermarking). Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By generating a web document file, etc.), it is desirable to process the point investment application (or agreement) electronic document for option investment using the customer points.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, customer point information, and option transaction request (or agreement) information included in the received point investment application (or agreement) information. A predetermined document file that generates document content and includes image content (eg, image content generated by capturing the document content on a memory) and the point investment application (or consent) information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the point investment application (or consent) electronic document for option investment using customer points.

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. The customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) included in the captured image content (eg, the image content generated by capturing the document content on the memory). Create image content including at least one or more information of the information by a watermarking method, and a document file (for example, a PDF file containing the watermarking image content and the point investment application (or agreement) information). Include at least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. By creating a web document files, etc.) that includes a word processor file, or to MHT, it is desirable to handle point to the investment application (or consent) electronic documents for investment options with the customer points.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the point investment application. (Or agreement) You will be familiar with the technical features of the image file and / or the file format of the document file corresponding to the electronic document, and the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point investment application (or agreement) electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 845 and an electronic document D / B 865 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point investment application (or agreement) electronic document to the electronic document server 845 via the communication means to store in the electronic document D / B (865). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server stores the generated point investment application (or agreement) electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 865 corresponding to the present invention, thereby not limited.

According to the implementation method of this invention, storing the said point investment application (or agreement) electronic document in the said electronic document storage | storage process of the said point investment application (or agreement) electronic document and predetermined | prescribed electronic document management information linkage process. And storing the data in the electronic document D / B 865 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point investment application (or agreement) electronic document.

In addition, the electronic document management information includes customer information transmitted by inputting (selecting) information related to a predetermined electronic document (eg, the point investment application (or agreement), and / or the point investment application (or agreement) electronic document. Financial institution information, and / or electronic document file format information, and / or the point investment application (or consent) information).

If the point investment application (or agreement) electronic document is stored in the electronic document repository (1260), the server requests the customer information, the customer point information and the option transaction application (included in the point investment application (or agreement) information). Or (3) consent and store information linked to the predetermined storage medium (4505) (1265), and store information on the predetermined information registration history information (for example, the point investment application (or consent) in the electronic document repository. , And / or (or details of storing the point investment application (or agreement) information in the storage medium 4505) is generated (or extracted) and transmitted to the terminal (1270).

According to one embodiment of the invention, the storage medium 4505 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 4505 may be a ledger D / B 4500 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 4500, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 4505 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

48A, 48B, and 48C illustrate a process of registering point investment application (or agreement) information through a non-face-to-face financial transaction channel for option investment using customer points according to one embodiment of the present invention.

In more detail, FIGS. 48A, 48B, and 48C show the case where the information registration system shown in FIG. 8 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, on the information registration system shown in FIG. 8). In the case where the information registration server 800 is an Internet banking server), after the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure, When the client terminal transmits predetermined point investment application (or agreement) information for option investment using the customer point to the internet banking server, the received point investment application (or agreement) information is included in the internet banking server. Generate a predetermined point investment application (or consent) electronic document and store it in a predetermined electronic document storage; The present invention relates to an implementation method of linking the customer information included in the investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) information to be stored in a predetermined storage medium 4505. Those skilled in the art can refer to and / or modify the drawings 48a, 48b, and 48c to register the point investment application (or consent) information through other types of non-face-to-face financial transaction channels. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 48A, 48B, and 48C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 48A, 48B, and 48C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering point investment application (or agreement) information between the client terminal and the internet banking server based on the browser program is illustrated, it is common in the art to which the present invention pertains. Those skilled in the art may refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 48A, 48B, and 48C, based on a predetermined Internet banking program mounted on the client terminal. With the client terminal Although it may be possible to infer a method of connecting an Internet banking-based financial transaction channel for registration of point investment application (or agreement) information between the Internet banking servers, the present invention provides an Internet banking-based service provided based on the Internet banking program. Including financial transactions, the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 48a, 48b and 48c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer a method of linking a non-face-to-face channel-based financial transaction channel for registration of point investment application (or consent) information. The present invention includes all kinds of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future, The technical configuration is not limited to the case of the Internet banking shown in FIGS. 48A, 48B, and 48C.

In the following Figures 48a, 48b and 48c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 800 is referred to as "server" for convenience.

Referring to FIGS. 48A, 48B, and 48C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (4800a), the server connects the terminal and the server through the browser. Communication channel (4805a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server (or extracted) and transmitted to the terminal, and to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (4810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (4815a), the server installs the latest version of the Internet banking security module into the terminal according to a remote program installation procedure defined in the browser program. Transmit to mount and / or update (4820a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (4825a), or if the terminal does not need to install and / or update the Internet banking security module (4815a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (4830a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the server for registering the point investment application (or agreement) information in the terminal. Attaching a predetermined digital signature to information (or data) to be provided by the network and / or encrypting and transmitting the data using at least one or more encryption methods (and / or encryption algorithms), the server may verify the digital signature and / or the A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also for registering the point investment application (or consent) information in the terminal. Attach a certain electronic signature to information (or data) to be provided to the server and / or When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (4835a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (4840a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face channel-based financial transactions based on the customer authentication data received from the terminal (4845a).

If the Internet banking customer authentication fails (4850a), the server blocks the Internet banking security channel for the terminal (4855a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (4850a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (4860a), where the Internet banking-based The financial transaction channel refers to a communication channel through which predetermined point investment application (or agreement) information for option investment using customer points can be transmitted from the terminal to the server and registered.

Subsequently, when the terminal requests a web page including a user interface for option investment using the customer point to the server through an internet banking-based financial transaction channel (4800b), the server responds to the customer information and the customer. Generate (or extract) a web page including a user interface for inputting (or selecting) point investment application (or consent) information including at least one of point information and option transaction application (or consent) information and transmitting it to the server. 4805b), the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (4810b).

According to an embodiment of the present invention, the web page inputs (or selects) point investment application (or agreement) information including at least one of customer information, customer point information, and option transaction application (or agreement) information in the terminal. And / or predetermined password and / or security card information (eg, to verify validity for an Internet banking customer requesting to register the point investment application (or consent) information. Security card information printed on the security card issued to the customer during the internet banking application process and / or OTP (One Time Password) (eg, after the internet banking application process (or after internet banking application). User interface to enter a password (or one-time password generated through an OTP authentication program) It is preferred to also.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the point investment application (or agreement) information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information through the information registration interface (4815b). .

If the terminal inputs (or selects) point investment application (or consent) information including the customer information, the customer point information, and the option transaction application (or agreement) information through the user interface (4820b), the terminal receives The input (or selected) point investment application (or agreement) information is transmitted to the server through the financial transaction channel (4825b).

According to an embodiment of the present invention, the terminal may apply the point investment application (or agreement) to the point investment application (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information. Or consent) at least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or an OTP code generated through a predetermined one time password (OTP) generator. It is preferable to transmit to the server via.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption information (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the point investment application (or consent) information. It is preferable to transmit a predetermined electronic signature to the server through the network means, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. It is provided with a predetermined official certificate, and / or the official certificate is a predetermined IC chip ( Preferably, if provided in the IC card), which is provided with the IC chip (or a card reader for identifying the certificate provided in the IC card).

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption information (or agreement) information including at least one of the customer information, the customer point information, and the option transaction application (or agreement) information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC If the chip (or IC card) is provided, check the official certificate provided on the IC chip (or IC card). It is for a card reader which is provided is preferable.

If one of ordinary skill in the art of the present invention belongs to the technical characteristics of the various encryption schemes for encrypting the point investment application (or agreement) information, and the predetermined electronic signature to the point investment application (or agreement) information Since it will be familiar with the technical features to be attached, the detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the point investment application (or agreement) information through the financial transaction channel to confirm the validity of the point investment application (or agreement) information (4830b).

According to an embodiment of the present invention, the point investment application (or agreement) information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, And / or a key exchange-based encryption scheme, etc.), the server converts the encrypted point investment application (or agreement) information into at least one decryption scheme (eg, symmetric key-based decryption scheme, corresponding to the encryption scheme). And / or decrypting the public key based decryption scheme, and / or the electronic envelope based decryption scheme, and / or the key exchange based decryption scheme, etc., to authenticate the validity of the received point investment application (or consent) information. desirable.

Alternatively, when a predetermined electronic signature is attached to the point investment application (or consent) information, the server verifies the electronic signature attached to the point investment application (or consent) information, thereby receiving the received point investment application (or Consent) It is desirable to authenticate the validity of the information.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted point investment application (or agreement) information, and attached to the point investment application (or agreement) information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the point investment application (or agreement) information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the point investment application (or agreement) information. In this case, the server compares and authenticates the received password included in the point investment application (or agreement) information with the password provided corresponding to the customer on the DBMS, and thereby the information on the received point investment application (or agreement) information. It is desirable to authenticate validity.

Alternatively, when the point investment application (or agreement) information received through the information receiver 815 further includes predetermined security card information for confirming the validity of the point investment application (or agreement) information. The server compares and authenticates the received security card information included in the point investment application (or agreement) information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received point investment application (or agreement) information. It is desirable to authenticate the validity of the.

Alternatively, when the point investment application (or agreement) information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the point investment application (or agreement) information, the server The received point by comparing and authenticating the received OTP code included in the point investment application (or consent) information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, It is desirable to certify the validity of the investment application (or consent) information.

According to the method of the present invention, the validity of the point investment application (or agreement) information is verified with the point investment application (or agreement) information to the ledger D / B (4500) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 825 may be a ledger on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point investment application (or consent) information is associated with the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B 4500.

If the validity of the point investment application (or consent) information is not authenticated (4835b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (4840b), and the point investment Do not perform information registration procedures that correspond to application (or consent) information.

On the other hand, if the validity of the point investment application (or agreement) information is authenticated (4835b), the server at least one or more customer information including the point investment application (or agreement) information, customer point information and option transaction application (or Consent) generates predetermined document content including information (4845b), and generates a predetermined point investment application (or consent) electronic document including the document content (4850c).

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, customer point information, and option transaction application (or agreement) information included in the received point investment application (or agreement) information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a point investment application (or agreement) electronic document for option investment using the customer point.

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. After the watermarking method includes the customer information included in the point investment application (or agreement) information and at least one or more of the customer point information and the option transaction application (or agreement) information, the document including the watermarking Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is a point investment application (or consent) electronic document for option investment using the customer points. .

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. Processing an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) into a point investment application (or consent) electronic document for option investment using the customer points. It is preferable.

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. The customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) included in the captured image content (eg, the image content generated by capturing the document content on the memory). After including at least one of the information in a watermarking (Watermarking) method, an image file containing the image content including the watermarking to the point investment application (or consent) electronic document for option investment using the customer points It is preferable to process.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, customer point information, and option transaction application (or agreement) information included in the received point investment application (or agreement) information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and generating the captured document content. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), a point investment application for option investment using the customer points ( Or consent).

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. The customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) included in the captured image content (eg, the image content generated by capturing the document content on the memory). Generating image content including at least one or more information of the information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the image content including the watermarking). Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By generating a web document file, etc.), it is desirable to process the point investment application (or agreement) electronic document for option investment using the customer points.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, customer point information, and option transaction application (or agreement) information included in the received point investment application (or agreement) information. A predetermined document file including content, image content (eg, image content generated by capturing the document content on a memory) and the point investment application (or agreement) information that captures the document content ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the point investment application (or consent) electronic document for option investment using points.

Alternatively, the server generates document content including at least one of customer information included in the received point investment application (or agreement) information, customer point information and option transaction application (or agreement) information, and the document content. The customer information included in the point investment application (or agreement) information, the customer point information, and the option transaction application (or agreement) included in the captured image content (eg, the image content generated by capturing the document content on the memory). Create image content including at least one or more information of the information by a watermarking method, and a document file (for example, a PDF file containing the watermarking image content and the point investment application (or agreement) information). Include at least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. By creating a web document files, etc.) that includes a word processor file, or to MHT, it is desirable to handle point to the investment application (or consent) electronic documents for investment options with the customer points.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point investment application (or agreement) electronic document in an image file format and / or a predetermined document file format, and the point investment application. (Or agreement) You will be familiar with the technical features of the image file and / or the file format of the document file corresponding to the electronic document, and the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point investment application (or agreement) electronic document in a predetermined electronic document repository (4855c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 845 and an electronic document D / B 865 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point investment application (or agreement) electronic document to the electronic document server 845 via the communication means to store in the electronic document D / B (865). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the information registration system, the server stores the generated point investment application (or consent) electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 865 corresponding to the present invention, thereby not limited.

According to the implementation method of this invention, storing the said point investment application (or agreement) electronic document in the said electronic document storage | storage process of the said point investment application (or agreement) electronic document and predetermined | prescribed electronic document management information linkage process. And storing the data in the electronic document D / B 865 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point investment application (or consent) electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point investment application (or agreement) electronic document.

In addition, the electronic document management information includes customer information transmitted by inputting (selecting) information related to a predetermined electronic document (eg, the point investment application (or agreement), and / or the point investment application (or agreement) electronic document. Financial institution information, and / or electronic document file format information, and / or the point investment application (or consent) information).

If the point investment application (or consent) electronic document is stored in the electronic document archive (4860c), the server includes the customer information, the customer point information and the option transaction application (included in the point investment application (or consent) information. Or (agree) the information by linking and storing the information in a predetermined storage medium 4505 (4865c), and storing the point investment application (or agreement) electronic document in the electronic document archive. , And / or record the details of storing the point investment application (or agreement) information in the storage medium 4505 and transmit the generated (or extracted) information to the terminal (4870c).

According to one embodiment of the invention, the storage medium 4505 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 4505 may be a ledger D / B 4500 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 4500, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 4505 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

49 illustrates a point exchange system configuration for option investment in a pre-approval method using customer points according to an embodiment of the present invention.

In more detail, FIG. 49 shows that the option investment using the customer points is pre-approved through the information registration system shown in FIGS. 1 and / or 8, and the customer information and the customer point information are stored in a predetermined storage medium 1430. When at least one option transaction application (or agreement) information is stored in association with one or more, the amount (or real currency or cash) to invest the customer points in at least one or more options based on the information stored in the storage medium 1430. A system configuration for exchanging money with a customer, specifically, at least one or more points earned by the customer are converted into an option transaction deposit amount, and the amount exchanged from the customer point is an option transaction of an option transaction service provider (eg, a bank, etc.). The present invention relates to a method of depositing a predetermined virtual account having a parent account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 49 to infer various implementation methods for constructing a point exchange system for option investment using the customer points. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

According to an embodiment of the present invention, a point exchange system for option investment using the customer point may include the customer information, the customer point information, and the option transaction registered through the information registration system shown in FIGS. 1 and / or 8. At least one storage medium (1430) for storing at least one application (or consent) information in association with the processing information and at least a predetermined point for the option investment to the customer corresponding to the customer point information stored in the storage medium (1430) One or more point servers, a point exchange server 4900 for converting points accumulated to the customer in connection with at least one point server to an option transaction deposit amount, and a point management account corresponding to at least one or more point servers; Have a financial system with an option trading account of an option trading service provider Characterized in that made.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that 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 transaction customers through a laptop and / or mobile 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 (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global 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 transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 49, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system is a point operating account and the option transaction of the point server (or point provider) that provides a predetermined point to the customer in order to exchange the customer point to the option transaction deposit amount Characterized in that the option trading account of the service provider is provided.

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

The point server is a predetermined point (e.g., a point capable of converting to real currency or cash) at which at least one bank, card company, insurance company, or securities company is affiliated with (or associated with, a holding relationship) to make the option investment. A server that operates a point DB (not shown) that accumulates to the customer, or at least one or more point earning institutions (or companies) affiliated with the financial institution (eg, a telecommunication company, an airline company, a travel agency, an internet shopping mall, an offline store) Or a department store), etc.), and a server for operating a point DB (not shown) for acquiring the predetermined points (for example, points convertible into real money or cash) to the customer. do.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the point server earning a predetermined point that can be invested in the option to the customer, detailed description thereof will be omitted for convenience.

The storage medium 4930 is configured to associate and store at least one of the customer information, the customer point information, and the option transaction application (or consent) information registered through the information registration system illustrated in FIGS. 1 and / or 8. It is characterized by.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points earned to the customer by at least one or more banks affiliated with (or associated with) the financial institution, and / or affiliated with (or with) the financial institution Points earned to the customer by at least one card company (associated with a holding relationship) and / or points earned to the customer by at least one insurance company (or affiliated with) a financial institution, and / or At least one or more securities companies affiliated with the financial institution (or associated with the holding relationship) preferably comprises at least one or more points that are credited to the customer.

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning institution (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company, It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

Referring to FIG. 49, the point exchange server 4900 for converting the customer points into a predetermined option transaction deposit amount is processed in association with the customer information associated with the option transaction application (or agreement) information and the storage medium ( 4930, an information checking unit 4825 for checking point server information for accumulating / operating predetermined points (for example, points that can be exchanged for real money or cash) that can be invested in by the customer by reading the customer point information stored in 4930). And a point confirming unit 4920 for identifying at least one or more customer points accumulated to the customer in association with the confirmed point server, and a currency exchange amount for calculating at least one or more point exchange amounts to be exchanged from the identified customer points. A calculator 4515 and at least one exchanged from at least one customer point in association with the financial system The point exchange amount calculated from the virtual account opening unit 4910 that opens a virtual account to which the point exchange amount is to be deposited, and at least one or more point operating accounts in connection with the financial system, as the option transaction deposit amount of the customer. It is characterized in that it comprises a point exchange unit (4905) for processing (receiving) or depositing into the virtual account.

The information checking unit 4525 stores the customer information, the customer point information, and the option transaction application (or consent) information registered through the information registration system illustrated in FIGS. 1 and / or 8 in association with at least one. By identifying at least one or more customer information associated with the option transaction application (or consent) information from the storage medium 4930, and reading the customer point information stored in association with the confirmed customer information, the option investment to the customer It is characterized in that the point server information for earning / operating a predetermined point (for example, points that can be exchanged for real money or cash) possible.

According to an embodiment of the present invention, when the customer point information includes at least one investment target point selection information, the information checking unit 4825 may include at least one bank, card company, or insurance company corresponding to the investment target point selection information. In addition, server information for operating a point DB (not shown) for acquiring a predetermined point (for example, a point that can be exchanged for real money or cash) in the securities company to the customer, or the investment target point selection information. In the corresponding at least one or more points earning institutions (or businesses) (e.g., carriers, airlines, travel agencies, Internet shopping malls, offline stores (or department stores), etc.), any point (e.g., in real money or cash) for which the option can be invested Operate a point DB (not shown) that accumulates points that can be exchanged to the customer. It is preferable to determine the server information to the point information server.

Alternatively, when the customer point information includes at least one or more points of financial product subscription (or application) information (or points of financial product information), the information checking unit 4825 may subscribe to the points of financial products eligible for points. (Or application) It is preferable to check the financial product management server information (or the point server information associated with the financial product management server) corresponding to the information (or financial product information to accumulate points) as the point server information.

Alternatively, when at least one point accumulation target card issuance information (or point accumulation target card information) is included in the customer point information, the information checking unit 4825 may provide the point accumulation target card issuing information (or point accumulation target card). The card management server information (or the point server information associated with the card management server) corresponding to the information may be confirmed as the point server information.

The information checking unit 4825 checks the point when at least one or more point server information for earning / operating a predetermined point (for example, a point that can be exchanged for real money or cash) for option investment to the customer is confirmed. The unit 4920 may be provided with at least one customer point accumulated to the customer at each pointer server by providing the customer information to the identified at least one point server through a predetermined communication means.

According to another exemplary embodiment of the present invention, when the predetermined point DB that is operated / managed by at least one point server is shared with the point exchange server 4900, the point checking unit 4920 operates / manages the point server. At least one customer point corresponding to the customer information is extracted from at least one or more point DB.

When at least one or more customer points accumulated in the at least one point server by the point checking unit 4920 are confirmed by the point checking unit 4920, the currency exchange amount calculation unit 4915 is provided between the customer point and the real currency (or cash). At least one point exchange amount corresponding to at least one customer point is calculated according to the defined exchange rate.

For example, if the exchange rate defined between the customer point and the real currency (or cash) is 100: 1, the customer point 100,000 is calculated as the point exchange amount of 1,000 won (or cash).

When the point exchange amount for at least one or more customer points is calculated by the exchange rate calculator 4515, the virtual account opening unit 4910 uses the option transaction account of the option transaction service provider as a parent account to convert the point exchange amount. And a predetermined virtual account to be deposited (and / or paid for option transaction) under the name of the customer.

According to an embodiment of the present invention, the virtual account opening unit 4910 generates virtual account ledger information for depositing the point exchange amount based on the customer information (and / or payment of option transaction proceeds), and the financial By generating a virtual account ledger associated with the option trading account of the option trading service provider provided in the ledger D / B in conjunction with the system, and storing the generated virtual account ledger information in the virtual account ledger, It is preferable to open a predetermined virtual account in which the point exchange amount is to be deposited (and / or paid as an option transaction) using the option trading account of the trading service provider as the parent account in the name of the customer.

In the technical field to which the present invention pertains, the virtual account ledger information structure and the virtual account ledger are stored in association with the option trading service provider option trading account, thereby storing the option trading account of the option trading service provider. Since you will be familiar with the technical features of opening a virtual account having a parent account, a detailed description thereof will be omitted for convenience.

The point exchange unit 4905 withdraws the point exchange amount calculated by the exchange amount calculator 4515 from at least one or more point operating accounts corresponding to at least one point server in connection with the financial system, and withdraws the withdrawal amount. It is characterized in that the point of money exchange amount is processed as the deposit amount of the option transaction of the customer to deposit (or transfer) to the virtual account opened by the virtual account opening unit 4910.

According to the method of the present invention, the point exchange information processed by the point exchange unit 4905 as the option transaction deposit amount of the customer and deposited in the virtual account is the transaction details included in the virtual account ledger. Is preferably stored in.

According to the method of the present invention, after depositing (or transferring) the calculated at least one or more point exchange amount into a virtual account having the option trading account as a parent account, the point exchange unit 4905 is connected to the point exchange amount. It is preferable to provide the point exchange information including the deposit (or transfer) details for each point server to process the points accumulated in the point server as exhausted.

50 illustrates a point exchange process for option investment in a pre-approval method using customer points according to an embodiment of the present invention.

In more detail, in FIG. 50, the option investment using the customer points is pre-approved through the information registration system shown in FIGS. 1 and / or 8 so that the customer information and the customer point information and the predetermined information are stored in a predetermined storage medium 4930. When at least one option transaction application (or consent) information is stored in association with at least one, the point exchange system illustrated in FIG. 49 invests the customer points in at least one or more options based on the information stored in the storage medium 4930. It is about the process of depositing (or transferring) the option trading account into a virtual account which is the parent account by converting it into an amount to be (or real currency or cash), and the person having ordinary knowledge in the technical field to which the present invention belongs, Various point exchange system configurations for option investment using the customer points by referring to and / or modifying the drawing 50 Exemplary method would be able to infer, the present 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 50.

In the following Figure 50, the point exchange server 4900 on the point exchange system shown in Figure 49 will be referred to as "server" for convenience.

Referring to FIG. 50, the server shown on the point exchange system shown in FIG. 49 may request the customer information, the customer point information, and the option transaction through the information registration system shown in FIGS. 1 and / or 8. Consent) confirms at least one or more customer information associated with the option transaction application (or consent) information from the storage medium 4930 stored in association with at least one information stored therein, and is stored and processed in connection with the confirmed customer information By reading the point information, the point server information for acquiring / operating predetermined points (for example, points that can be exchanged for real money or cash) that can be invested in the customer is confirmed (5000).

According to an embodiment of the present invention, when the customer point information includes at least one investment target point selection information, the server may include the option in at least one bank, card company, insurance company, or securities company corresponding to the investment point selection information. Server information for operating a point DB (not shown) for accumulating predetermined points (for example, points convertible into real money or cash) that can be invested to the customer, or at least one or more corresponding to the investment target point selection information Points for which the option can be invested in points earning institutions (or companies) (e.g., carriers, airlines, travel agencies, Internet shopping malls, offline stores (or department stores), etc.) (e.g. points that can be exchanged for real money or cash) Server information to operate the point DB (not shown) to accumulate the customer To make the server to the point information is preferred.

Alternatively, when the customer point information includes at least one point accumulation target financial product subscription (or application) information (or point accumulation target financial product information), the server may include the point accumulation target financial product subscription (or application) information. It is preferable to check the financial product management server information (or point server information associated with the financial product management server) corresponding to the financial product management server information (or point product information).

Alternatively, when the customer point information includes at least one point accumulation target card issuance information (or point accumulation target card information), the server corresponds to the point accumulation target card issue information (or point accumulation target card information). It is preferable to check card operation server information (or point server information associated with the card operation server) as the point server information.

Thereafter, the server provides the customer information to each point server corresponding to the identified at least one point server information through a predetermined communication means, thereby at least one or more customer points accumulated from each pointer server to the customer. Check (5005).

According to another exemplary embodiment of the present invention, when a predetermined point DB operated / managed by at least one point server is shared with the point exchange server 4900, the server may include at least one point operated / managed by the point server. It is possible to extract at least one or more customer points corresponding to the customer information from the point DB, whereby the present invention is not limited.

If at least one or more customer points earned to the customer are identified from at least one or more point servers (5010), the server determines a predetermined exchange rate defined between the at least one or more customer points and the real currency (or cash). In operation 5015, at least one or more point exchange amounts corresponding to at least one or more customer points are calculated.

For example, if the exchange rate defined between the customer point and the real money (or cash) is 100: 1, the server calculates 100,000 customer points as the point exchange amount of 1,000 won (or cash).

If the point exchange amount for each of the at least one customer point is calculated (5020), the server exchanges the point exchange amount with the option trading account of the option trading service provider in connection with the financial system. And / or open a virtual account under the name of the customer to be paid for the option transaction (5025).

According to an embodiment of the present invention, the server generates virtual account ledger information for depositing (and / or paying the option transaction) the point exchange amount based on the customer information, and the ledger in connection with the financial system. After generating the virtual account ledger associated with the option trading account of the option trading service provider provided in the D / B, and storing the generated virtual account ledger information in the virtual account ledger, option trading of the option trading service provider It is preferable to open a predetermined virtual account in the name of the customer to which the point exchange amount is to be deposited (and / or paid for option transaction) using the account as the parent account.

In the technical field to which the present invention pertains, the virtual account ledger information structure and the virtual account ledger are stored in association with the option trading service provider option trading account, thereby storing the option trading account of the option trading service provider. Since you will be familiar with the technical features of opening a virtual account having a parent account, a detailed description thereof will be omitted for convenience.

Thereafter, the server withdraws the calculated point exchange amount from at least one or more point operating accounts corresponding to at least one or more point servers in connection with the financial system, and converts the withdrawn point exchange amount into the option transaction deposit amount of the customer. And deposit (or transfer) the opened virtual account (5030), and process the point exchange amount as an option transaction deposit amount of the customer in connection with the financial system to deposit (or transfer) the virtual account. Point exchange information including a transaction history is stored in the virtual account ledger (5035).

In addition, the server provides the point exchange information to each point server through the communication means (5040), it is preferable to process the points accumulated by the point server to the customer as exhausted.

51 is a diagram illustrating a face-to-face information registration system for option trading in a pre-approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, Fig. 51 shows at least one of customer information, option product selection information, and option transaction request amount information for an option transaction using a point exchange amount according to the present invention to an information registration system through a predetermined information registration interface. When providing the option transaction request information including one or more, the information registration system associates and processes the customer information, option product selection information, and option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB ( 1630, a person having ordinary skill in the art to which the present invention pertains refers to the configuration of an information registration system for option trading using a point exchange amount by referring to and / or modifying the drawing 51. It will be possible to infer various implementation methods for the present invention, but the present invention It includes an implementation method, and is not limited to the implementation method shown in FIG.

For example, the face-to-face information registration system shown in FIG. 51 is composed of the same system as the information registration system shown in FIG. 1, or the point exchange amount exchanged through the point exchange system shown in FIG. If the option trading service provider automatically selects at least one or more option products to be omitted, the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 1630 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 5100 " for convenience.

Referring to FIG. 51 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes an information registration terminal including a teller terminal provided in at least one financial institution branch. 5135, wherein the information registration terminal 5135 is connected to the information registration server 5100 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for an option transaction using the point exchange amount according to the present invention, and through a window (or through a teller) provided at the financial institution branch. Complete a prescribed application for option trading using the point exchange amount (e.g., a document with a form for filling in at least one item of information for option trading using the point exchange amount), and send the completed application to the counter staff. Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal transmits the input (or selected) information to the information registration system via the financial network. It is preferable to transmit to the information registration server 5100 provided in.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided at the branch of the financial institution, and the information registration server 5100 connected to the teller terminal is a ledger provided on the predetermined financial system. It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 5100 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 5100. Do.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 5100 are the points according to the present invention. Performs the function of the information registration interface for registering the option transaction request information for the option transaction using the exchange amount.

The option operation DB 5130 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 5135. And storing information in a predetermined option operation DB 5130 by linking the information, and including at least one of the customer information, the option product selection information, and the option transaction request value information stored in the option operation DB 5130. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information is the personal information (eg, name, resident registration number, address, telephone number, mobile phone number, mail of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. 49). Address, etc.) and member information of the customer (e.g., in a customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The option product selection information is information in which a customer corresponding to the customer information selects at least one option product to invest the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amounts exchanged through the point exchange system shown in FIG.

According to another embodiment of the present invention, at least one or more option products (or an option automatically selected by the option trading service provider) whose point exchange amount exchanged through the point exchange system shown in FIG. 49 corresponds to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to one embodiment of the invention, the option operation DB (5130) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 5130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 5130 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 5100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 5135 through a predetermined financial network, 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 an embodiment of the present invention, when the information registration terminal 5135 is a teller terminal connected to a predetermined financial network, the information registration server 5100 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided in and / or a server (or device) provided in the external world on the financial system, and / or a program provided in the external world on the financial system, whereby the present invention is limited Not.

According to the embodiment of the present invention, the information registration server 5100 is characterized in that it comprises an interface unit 5105 for connecting and managing a predetermined communication channel with the information registration terminal 5135 through the financial network. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 5135 is a window terminal connected to a predetermined financial network, the interface unit 5105 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable 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 financial transaction related program provided in the window terminal.

Referring to FIG. 51, the information registration server 5100 connects a communication channel with the information registration server 5100 through the interface unit 5105 by a predetermined information registration terminal 5135, and then connects the interface unit ( 5105, which generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined option transaction request information from the information registration terminal 5135 and providing the information registration terminal 5135 to the information registration terminal 5135. An information receiving unit for receiving predetermined option transaction request information input (or selected) and transmitted from the information registration terminal 5135 through the user interface in cooperation with an interface providing unit 5110 and the interface unit 5105. 5115, a validity confirming unit 5120 for validating the received option transaction request information, and the customer information and an option included in the validated option transaction request information. Associated handle product selection information and options transaction request amount information, characterized in that formed in an information storage section 5125 to store the predetermined operational option DB (5130).

The interface providing unit 5110 is provided in the information registration terminal 5135 after a predetermined information registration terminal 5135 connects the communication channel with the information registration server 5100 through the interface unit 5105. In response to the functional configuration, the user may input (or select) the option transaction request information and generate a predetermined user interface capable of transmitting to the information registration server 5100 through the financial network, and / or a predetermined database (not shown). And extracts the generated (or extracted) user interface to the information registration terminal 5135 through the financial network in association with the interface unit 5105.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 5135 and transmitting the information to the information registration server 5100 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 5110 that provides the user interface to the information registration terminal 5135 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 5135 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the information. (Or selected) option transaction request information is transmitted to the information registration server 5100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 5135 is a window terminal connected to a predetermined financial network, the interface providing unit 5110 may be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 5105.

The information receiving unit 5115 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information through the user interface at the information registration terminal 5135. When the data is transmitted through the financial network, the option transaction request information is received in association with the interface unit 5105, and the received option transaction request information is provided to the validity confirming unit 5120.

The validity confirming unit 5120 is configured to check whether the option transaction request information received from the information registration terminal 5135 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity confirming unit 5120 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

When the validity of the option transaction request information is confirmed, the information storage unit 5125 associates and processes the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to the option operation DB ( And the option management DB 5130 in the information registration server 5100 or on the network associated with the information registration server 5100. 5125, the customer information included in the received option transaction request information, option product selection information, and option transaction request amount information may be processed and stored in the option operation DB 5130, and the option operation DB ( When the 5130 is provided in the DBMS provided on the financial system, the information storage unit 5125 may include the customer information, the option product selection information, and the option transaction included in the received option transaction request information. The blue value information through an FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

52 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 52 shows a case where the information registration server 5100 on the information registration system shown in FIG. 51 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 5100 and connects a communication channel for information registration according to the present invention, and then the customer information and the optional product to the information registration server 5100 through the communication channel. When the option transaction request information including selection information and option transaction request amount information is transmitted, the customer information, option product selection information, and option transaction request amount included in the received option transaction request information are transmitted from the information registration server 5100. The present invention relates to an implementation method of linking and storing information in a predetermined option operation DB 5130, and has a general knowledge in the technical field to which the present invention pertains. However, various implementation methods of registering the option transaction request information with the information registration server 5100 at the counter terminal by referring to and / or modifying the drawing 52 may be inferred. It includes a method, and is not limited to the embodiment shown in FIG.

Hereinafter, in Fig. 52, the window terminal shown in Fig. 51 is called " terminal " for convenience, and the information registration server 5100 shown in Fig. 51 is called " server " for convenience, and the information is registered in the window terminal. The customer information, the option product selection information, and the option transaction request amount information transmitted to the server 5100 are referred to as "option transaction request information" for convenience.

Referring to FIG. 52, the window terminal shown in FIG. 51 accesses the server through a predetermined financial network, connects a predetermined communication channel for registering the option transaction request information, and uses the point exchange amount. When requesting to register the option transaction request information for a transaction (5200), the server generates (or extracts) a predetermined information registration interface for registering the option transaction request information (5205) and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (5210).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (5215).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (5220), the terminal transmits through the financial network. The option transaction request information including the input (or selected) customer information, option product selection information, and option transaction request amount information is transmitted to the server (5225).

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the financial network (5230) to confirm the validity of the option transaction request information.

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

For example, the validity confirming unit 5120 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

If the validity of the option transaction request information is not authenticated (5235), the server generates predetermined information registration error information and transmits it to the terminal (5240), and performs an information registration procedure corresponding to the option transaction request information. Do not perform.

On the other hand, if the validity of the option transaction request information is authenticated (5235), the server performs the information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information Processing is stored in a predetermined option operation DB (5130) (5245).

According to one embodiment of the invention, the option operation DB (5130) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 5130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 5130 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (5250), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

FIG. 53 is a diagram illustrating a non-face-to-face information registration system for option transaction of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

In more detail, in FIG. 53, at least a predetermined number of customer information, option product selection information, and option transaction request amount information for a option transaction using a point exchange amount according to the present invention is provided to a information registration system through a predetermined information registration interface. When providing the option transaction request information including one or more, the information registration system links the customer information, option product selection information and option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB ( 1830), a person having ordinary skill in the art to which the present invention pertains refers to the configuration of an information registration system for option trading using a point exchange amount by referring to and / or modifying the drawing 53. It will be possible to infer various implementation methods for the present invention, but the present invention Including exemplary method, and shall not be limited to the exemplary method shown in the figure 53.

For example, the non-face-to-face information registration system shown in FIG. 53 is composed of the same system as the information registration system shown in FIG. 8, or the point exchange amount exchanged through the point exchange system shown in FIG. It may be omitted when the option trading service provider automatically selects at least one option product to be invested, and thus the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 1830 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as "information registration server 5300" for convenience.

Referring to FIG. 53 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 5335 including at least one or more thereof, wherein the information registration terminal 5335 is provided on the information registration system through a predetermined network means. And communication channel are connected.

According to one embodiment of the present invention, the customer accesses the information registration server 5300 through at least one or more client terminals of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When inputting (or selecting) option transaction request information for an option transaction using a point exchange amount according to the present invention through at least one or more user interfaces provided by the information registration server 5300, predetermined network means is provided by the client terminal. It is preferable to transmit to the information registration server 5300 provided on the information registration system through.

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 a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. 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 comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

Also, the information registration server 5300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 5300 may be a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 5300, and inputs and / or selects at least one or more information through the user interface to the information registration server 5300. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 5300) for transmission is provided.

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

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 5300 and And / or the wireless network functions as an information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 5335 is, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network). A telephone automation network (Cash Dispenser; CD) further comprises, and / or a wired telephone network such as a predetermined public switched telephone network (PSTN), VoIP (Voice over IP) network Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 5335 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 5300 performs a function of an information registration interface for registering the option transaction request information for the option transaction by the customer using the point exchange amount according to the present invention, and / or the information registration terminal ( If 5335 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 5300 may be used by the customer. Perform a function of an information registration interface for registering option transaction request information for an option transaction using a point exchange amount according to the present invention, and / or registering the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a terminal 5335, the terminal (and / or server) (not shown) and the terminal (and / or server) (Not shown) and the network connecting the information registration server 5300 performs a function of the information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

The option operation DB 5330 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 5335. And storing the information in a predetermined option operation DB 5330, and at least one of the customer information, the option product selection information, and the option transaction request value information stored in the option operation DB 5330. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information is the personal information (eg, name, resident registration number, address, telephone number, mobile phone number, mail of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. 49). Address, etc.) and member information of the customer (e.g., in a customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The option product selection information is information in which a customer corresponding to the customer information selects at least one option product to invest the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amounts exchanged through the point exchange system shown in FIG.

According to another embodiment of the present invention, at least one or more option products (or an option automatically selected by the option trading service provider) whose point exchange amount exchanged through the point exchange system shown in FIG. 49 corresponds to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the option operation DB 5330 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The option operation DB 5330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 5330 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 5300 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 5335 through 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 an embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 5300. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 5300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 5300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 5300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 5300 comprises an interface unit 5305 for connecting and managing a predetermined communication channel with the information registration terminal 5335 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 5335 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 5305 may 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 5305 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 communication program (eg, an internet banking program) provided by the information registration server 5300, the interface unit 5305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a financial automatic device connected to a predetermined financial network, the interface unit 5305 may be configured to perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 5535 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 5305 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 5305 may communicate with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 5300, the interface unit 5305 may communicate with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 5305 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 5305 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or providing a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 5305 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 53, the information registration server 5300 connects a communication channel with the information registration server 5300 through the interface unit 5305 through the interface unit 5305, and then connects the interface unit ( 5305 to generate (or extract) a predetermined user interface for inputting (or selecting) and transmitting predetermined option transaction request information from the information registration terminal 5335 to provide the information registration terminal 5535. An information receiving unit for receiving predetermined option transaction request information input (or selected) and transmitted from the information registration terminal 5335 through the user interface in cooperation with an interface provider 5310 and the interface unit 5305. 5315 and the customer information included in the received option transaction request information, option product selection information, and option transaction request amount information are stored in a predetermined option operation DB 5330. An information storage unit 5325 is provided.

The interface providing unit 5310 is provided in the information registration terminal 5535 after a predetermined information registration terminal 5335 connects a communication channel with the information registration server 5300 through the interface unit 5305. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the option transaction request information and transmitting it to the information registration server 5300 via the network means, and / or a predetermined database (not shown) And the user interface generated (or extracted) in association with the interface unit 5305 to the information registration terminal 5335 through the network means.

Thereafter, the information registration terminal 5335 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the information. (Or selected) option transaction request information is transmitted to the information registration server 5300 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 5335 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 provider 5310 is provided. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 5305 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a financial automation device connected to a predetermined financial network, the interface providing unit 5310 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 5305.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface provider 5310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 5305.

According to another exemplary embodiment of the present invention, when the information registration terminal 5535 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 5310 may be configured as the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 5305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 5310 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 5305. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 5335 and transmitting the information to the information registration server 5300 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 5310 which provides the user interface to the information registration terminal 5335 may be omitted, and the present invention is not limited thereto.

The information receiver 5315 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information from the information registration terminal 5335 through the user interface. When transmitting through the network means, the option transaction request information is received in connection with the interface unit 5305, and the received option transaction request information is provided to the validity confirming unit 5320.

The validity checking unit 5320 is configured to check whether the option transaction request information received from the information registration terminal 5335 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity check unit 5320 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

When the validity of the option transaction request information is confirmed, the information storage unit 5325 associates the customer information included in the option transaction request information with the option product selection information and the option transaction request amount information to process the option operation DB ( And the option operation DB 5330 in the information registration server 5300 or on the network associated with the information registration server 5300. The 5325 may be configured to store and process the customer information included in the received option transaction request information, option product selection information, and option transaction request amount information in the option operation DB 5330, and the option operation DB ( When the 5330 is provided in the DBMS provided on the financial system, the information storage unit 5325 may include the customer information, the option product selection information, and the option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

54 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 54 shows a case in which the information registration server 5300 on the information registration system shown in FIG. 53 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 5300 and connecting the communication channel for information registration according to the present invention, the customer information, option product selection information and option transaction request amount to the information registration server 5300 through the communication channel When the option transaction request information including the information is transmitted, the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information are cooperatively processed by the information registration server 5300. As an implementation method for storing in the option operation DB (5330), those having ordinary skill in the art to which the present invention belongs. However, various implementation methods for registering the option transaction request information from the client terminal to the information registration server 5300 may be inferred by referring to and / or modifying the present invention. It includes, and is not limited to the embodiment shown in FIG.

In FIG. 54, the client terminal shown in FIG. 53 is referred to as " terminal " for convenience, and the information registration server 5300 shown in FIG. 53 is called " server " for convenience. The customer information, the option product selection information, and the option transaction request amount information transmitted to the registration server 5300 are referred to as "option transaction request information" for convenience.

Referring to FIG. 54, the client terminal illustrated in FIG. 53 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Communication via a communication network and / or an IEEE 802.16x-based portable Internet, etc.) to connect a predetermined communication channel for registering the option transaction request information and to connect the predetermined communication channel for the option transaction using the point exchange amount. When requesting request information registration (5400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the option transaction request information (5405), and generates the generated information through the communication channel ( Alternatively, the extracted web page is transmitted to the terminal and output (5410).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (5415).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information (5420) through the information registration interface, the terminal receives the communication channel through the communication channel. The input (or selected) customer information, option product selection information, and option transaction request amount information are transmitted to the server (5425).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer information, the option product selection information, and the option transaction request amount information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the selected option transaction request information to the server through electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the communication channel to confirm the validity of the option transaction request information (5430).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

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

For example, the validity check unit 5320 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is exchanged for a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option trading account is deposited in a virtual account having a parent account.

If the validity of the option transaction request information is not authenticated (5435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (5440), corresponding to the option transaction request information. Do not perform the information registration procedure.

On the other hand, if the validity of the option transaction request information is authenticated (5435), the server performs the information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information The data is stored in a predetermined option operation DB 5330 (5445).

According to an embodiment of the present invention, the option operation DB 5330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 5330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 5330 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (5450), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

55A and 55B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another exemplary embodiment of the present invention.

In more detail, FIGS. 55A and 55B show that when the information registration system shown in FIG. 53 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends predetermined option transaction request information for the option transaction using the point exchange amount to the Internet banking server. When the option transaction request information including information, option product selection information, and option transaction request amount information is transmitted, the customer information and option product selection information included in the received option transaction request information are received from the information registration server 5300. Implementation method of linking option transaction request amount information and storing it in a predetermined option operation DB 5330 For those of ordinary skill in the art to which the present invention pertains, the option transaction request information is transmitted from the client terminal to the information registration server 5300 by referring to and / or modifying the drawings 55a and 55b. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 55A and 55B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 55A and 55B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the option transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 55a and 55b and between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Option trading Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method illustrated in FIGS. 55A and 55B, in addition to the Internet banking system, and a telebanking system. And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering option transaction request information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. It includes all types of non-face-to-face channel based financial transactions, including systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in Fig. 55B.

In the following Figures 55a and 55b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 5300 is referred to as " server " for convenience.

55A and 55B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (5500a), the server communicates between the terminal and the server through the browser. (5505a), wherein the communication channel is a server that generates (or extracts) a predetermined web page at the request of a browser program provided to the terminal and transmits it to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (5510a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests version information and / or last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (5515a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (5520a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (5525a), or if the terminal does not need to install and / or update the Internet banking security module (5515a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (5530a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering option transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering option transaction request information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (5535a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (5540a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (5545a).

If the Internet banking customer authentication fails (5550a), the server blocks the Internet banking security channel for the terminal (5555a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (5550a), the server is connected to the security module provided in the terminal to convert the security channel for internet banking to the Internet banking-based financial transaction channel (5560a), where the Internet banking based The financial transaction channel refers to a communication channel that can register and transmit predetermined option transaction request information for an option transaction using the point exchange amount from the terminal to the server.

Subsequently, when the terminal requests the Internet banking-based option transaction request information registration to the server through the inter-banking-based financial transaction channel to register the option transaction request information (5500b), the server registers the option transaction request information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (5505b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (5510b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information in the terminal. And / or a predetermined password (e.g., an account password, etc.) and / or security to verify the validity of the internet banking customer requesting registration of the option transaction request information and / or the option transaction request information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution Interface to enter one OTP authenticator (or one-time password generated by OTP authenticator) The it may further include.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information through the information registration interface (5515b).

If the terminal receives (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information (5520b) through the information registration interface, the terminal establishes the financial transaction channel. The input (or selected) option transaction request information is transmitted to the server (5525b).

According to an embodiment of the present invention, transmitting the input (or selection) option transaction request information through the financial transaction channel to the server, the option transaction request information input (or selection) through the information registration interface It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the option transaction request information through the financial transaction channel to check the validity of the option transaction request information (5530b).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

In addition, the validity check of the option transaction request information, it is preferable to further comprise authenticating a password and / or security code and / or OTP included in the option transaction request information.

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

For example, the validity check unit 5320 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

If the validity of the option transaction request information is not authenticated (5535b), the server generates a web page including the predetermined option transaction request information registration error information and transmits it to the terminal (5540b), and the option transaction request Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the option transaction request information is authenticated (5535b), the server performs an information registration procedure corresponding to the option transaction request information, so that the customer information and option product selection information included in the option transaction request information and The option transaction request amount information is cooperatively processed and stored in the predetermined option operation DB 5330 (5545b).

According to an embodiment of the present invention, the option operation DB 5330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operational DB 5330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 5330 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined option transaction request information registration history information and transmits the generated web page to the terminal (5550b), thereby completing the option transaction request information registration transmitted from the terminal.

56 is a diagram showing the configuration of an option transaction system of a pre-approval method using the point exchange amount according to an embodiment of the present invention.

More specifically, FIG. 56 illustrates a system configuration for investing in a predetermined option product a point exchange amount exchanged from at least one or more customer points through a point exchange system shown in FIG. 49 and deposited in a predetermined virtual account. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 56 to infer various implementation methods for the option trading system using the point exchange amount. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs to the present invention, the information registration system shown in FIGS. 51 and / or 52 may be omitted by referring to and / or modifying the drawing 56 (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 49 is invested in the trading option product), according to the policy of the option trading service provider. The point exchange system shown in FIG. 49 may infer an implementation method of investing a point exchange amount exchanged from at least one or more customer points and deposited in a predetermined virtual account in a predetermined option product. Including all implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. Should you.

The option trading system using the point exchange amount according to the embodiment of the present invention, the option operation DB (5645) for storing the option transaction request information including at least one of the customer information, option product selection information and option transaction request amount information. And, through the option transaction request information stored in the option operation DB (5645) through the point exchange system shown in Figure 49 through the point exchange system at least one or more customer points are exchanged from a predetermined point of money exchange amount deposited in a predetermined virtual account predetermined Option trading server 5600 for investing in the option product of the, characterized in that it comprises a financial system is provided with a virtual account in which the point exchange amount is deposited.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 56, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system corresponds to a virtual account in which a predetermined point exchange amount exchanged from the customer point is deposited through the point exchange system shown in FIG. 49, and corresponds to a mother account of the virtual account. An option trading account is provided.

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

Referring to FIG. 56, the option trading server 5600 that provides an option trading service using the point exchange amount may include an option checking unit 5640 that identifies at least one or more trading options, and the identified trading options. An amount confirmation unit 5635 for confirming an option transaction amount for a product and an option transaction amount corresponding to the parent account of the virtual account in connection with the financial system, to correspond to the target option product through the option transaction amount It is characterized in that it comprises an option transaction processing unit 5630 for trading at least one or more contracts.

When the option transaction is made for each customer according to an exemplary embodiment of the present invention, the option checking unit 5640 checks at least one option product selection information associated with predetermined customer information from the option operation DB 5645. The amount confirmation unit 5535 checks the option transaction request amount associated with predetermined customer information from the option operation DB 5645, and the transaction target confirmed by the option confirmation unit 5640. Based on the transaction amount per one contract of the option product, it is characterized in that the option transaction amount of the option transaction to trade the identified options of the transaction options of the option transaction request.

For example, if the transaction amount per one contract of the checked option product to be traded is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the amount confirmation unit 5535 is confirmed to be 20,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

When the option transaction is made by integrating a plurality of customers according to another embodiment of the present invention, the option check unit 5640 is at least one option product associated with at least two or more customer information from the option management DB (5645) And counting the selection information to identify the option product selection information selected by more customers, and identifying at least one option product corresponding to the identified option product selection information as the transaction target option product, and confirming the amount of money. The unit 5535 may add the option transaction request amount information associated with at least one option product selection information included in the option operation DB 5645 to identify the transaction target option product, and to the option confirmation unit 5640. The sum of the option transaction request sums based on the transaction amount per one contract of the target option product identified by Of the features that determine the amount of options trading to the transaction confirmed the deal to option items.

For example, if the amount of transaction per one contract of the checked option product to be traded is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the amount confirmation unit 5535 is confirmed as 250,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the option confirming unit 5640 may identify at least one or more transaction target option products according to the policy of the option transaction service provider. The amount confirming unit 5535 may be configured to the option confirming unit 5640 of at least one or more point exchange amounts exchanged through the point exchange system shown in FIG. 49 according to the policy of the option transaction service provider. It is characterized in that for checking the option transaction amount to trade the identified transaction target option product on the basis of the transaction amount per one contract of the transaction target option product.

The option transaction processing unit 5630 is the at least one identified through the identified option transaction amount based on the option transaction account corresponding to the parent account of the virtual account on the point exchange system shown in FIG. 49 in connection with the financial system. It is characterized in that for trading at least one or more contracts corresponding to the transaction option product.

Those skilled in the art to which the present invention pertains are familiar with the technical features of the option transaction processing unit 5630 for trading the contract corresponding to the at least one option product for which the option transaction amount is identified. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the option transaction processing unit 5630, based on the identified option transaction amount based on the transaction of the at least one or more options trading options, and generates a predetermined option transaction details corresponding to the option transaction It may be stored in the account ledger corresponding to the option trading account, or by generating the option transaction history for each customer corresponding to the option trading account and stored in the virtual account ledger corresponding to the virtual account using the option trading account as a parent account. .

Referring to FIG. 56, the option trading server 5600 that provides an option trading service using the point exchange amount may check expiration of at least one or more target trading options product traded by the option trading processor 5630. An option expiration confirmation unit 5625, an option revenue confirmation unit 5620 for confirming a return corresponding to the option transaction on the option expiration date, and a predetermined option return is generated when the predetermined result is generated. And a settlement processing unit 5615 for calculating the corresponding option revenue for each customer, and a settlement processing unit 5610 for setting the option revenue to the customer in response to the option transaction amount.

The option expiration check unit 5625 checks whether an expiration date for the option product to be traded is reached by comparing the expiration date of the at least one option product traded by the option transaction processing unit 5630 with the current date and time. It is characterized by.

When the expiration date for the option product to be traded arrives as a result of the check by the option expiration check unit 5625, the option income confirmation unit 5620 checks whether a predetermined profit for the contract corresponding to the option product to be traded has occurred. Characterized in that.

When it is confirmed that the predetermined profit for the contract corresponding to the trading option product is generated, the profit calculation unit 5615 may determine the customer based on the option transaction history for each customer. It is characterized by calculating the option proceeds.

When the option revenue for each customer is calculated by the revenue calculation unit 5615, the settlement processing unit 5610 may settle the option revenue into a virtual account (or a financial account of the customer's name) shown in FIG. 49. It is characterized by processing.

Referring to FIG. 56, the option trading server 5600 that provides an option transaction service using the point exchange amount is made by the option transaction processing unit 5630 for a contract corresponding to at least one option product, or Alternatively, the expiration date of the transaction target option product is confirmed by the option expiration check unit 5625, or the option income check unit 5620 generates option income to a predetermined customer, or the profit calculation unit ( When a predetermined option profit is calculated for the customer having the option revenue generated by 5615 or the option proceeds are settled to the customer by the settlement processing unit 5610, each option transaction is linked with a predetermined communication server. And an option transaction information providing unit 5405 for providing the customer with at least one option transaction information corresponding to the step. It characterized by comprising.

According to an embodiment of the present invention, the communication server may send a mail server 5650 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 5655 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (5660) for providing information providing ARS service for providing one or more options trading information.

57 is a diagram illustrating a pre-approval option trading process using a point exchange amount according to an embodiment of the present invention.

More specifically, FIG. 57 illustrates a process of investing a point exchange amount, which is exchanged from at least one or more customer points and deposited in a predetermined virtual account through a point exchange system shown in FIG. 49, in a predetermined option product. Those skilled in the art to which the invention pertains may refer to and / or modify this drawing 57 to infer various implementation methods for the option trading process using the point exchange amount, but the present invention infers the above. It is made to include all the implementation method that is, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 57 so that the information registration system shown in FIGS. 51 and / or 52 is omitted (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 49 is invested in the trading option product), according to the policy of the option trading service provider. The point exchange system shown in FIG. 49 may infer an implementation method of investing a point exchange amount exchanged from at least one or more customer points and deposited in a predetermined virtual account in a predetermined option product. It includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. Should you.

Hereinafter, in FIG. 57, the option trading server 5600 on the option trading system shown in FIG. 56 is referred to as " server " for convenience.

Referring to FIG. 57, the server on the option trading system shown in FIG. 56 converts from at least one or more customer points through the point exchange system shown in FIG. 49 to deposit a point exchange amount deposited in a predetermined virtual account. In order to invest in the option product, at least one or more trading options are identified (5700), and the option transaction amount for the at least one or more trading options is identified (5705).

According to an embodiment of the present invention, when the option transaction is performed for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 5645. After checking the option transaction request amount associated with predetermined customer information from the option operation DB (5645), the server checks the amount of the option transaction request amount based on the transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another embodiment of the present invention, if the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB (5645). It is preferable to check the option product selection information selected by more customers, and to identify at least one option product corresponding to the identified option product selection information as a transaction target option product, and the server may include the option operation DB (5645). Summing option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. The option to trade the identified option product To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option trading service provider, the server confirms the transaction based on the transaction amount per one contract of the checked option product among the at least one point exchange amount exchanged through the point exchange system shown in FIG. 49. It is desirable to check the amount of option trading to trade the option product.

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction initiation and provides it to the customer through a predetermined communication server (5710).

According to an embodiment of the present invention, the communication server may send a mail server 5650 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 5655 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (5660) for providing information providing ARS service for providing one or more options trading information.

Thereafter, the server is connected to the financial system based on the option transaction amount corresponding to the parent account of the virtual account on the point exchange system shown in FIG. At least one contract corresponding to the option product is traded (5715).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (5720), the server generates a predetermined option transaction history corresponding to the option transaction and store in the account ledger corresponding to the option transaction account, or for each customer corresponding to the option transaction The option transaction details are generated and stored in the virtual account ledger corresponding to the virtual account having the option transaction account as the mother account (5725).

58 is a diagram illustrating an option transaction process of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

In more detail, FIG. 58 illustrates a process of investing in an option product a point exchange amount exchanged from at least one or more customer points through a point exchange system shown in FIG. 49 and deposited in a predetermined virtual account. Those skilled in the art to which the invention pertains may refer to and / or modify this drawing 58 to infer various implementation methods for the option trading process using the point exchange amount, but the present invention infers the above. It is made including all the implementation method that is, the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 58 to omit the information registration system shown in FIGS. 51 and / or 52 (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 49 is invested in the trading option product), according to the policy of the option trading service provider. The point exchange system shown in FIG. 49 may infer an implementation method of investing a point exchange amount exchanged from at least one or more customer points and deposited in a predetermined virtual account in a predetermined option product. It includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. Should you.

Hereinafter, in FIG. 58, the option trading server 5600 on the option trading system shown in FIG. 56 is referred to as " server " for convenience.

Referring to FIG. 58, the server on the option trading system shown in FIG. 56 converts from at least one or more customer points through the point exchange system shown in FIG. 49 to deposit a point exchange amount deposited in a predetermined virtual account. In order to invest in the option product, at least one or more trading options are identified (5800), and the option transaction amount for the at least one or more trading options is identified (5805).

According to an embodiment of the present invention, when the option transaction is performed for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 5645. After checking the option transaction request amount associated with predetermined customer information from the option operation DB (5645), the server checks the amount of the option transaction request amount based on the transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another embodiment of the present invention, if the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB (5645). It is preferable to confirm the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may include the option operation DB 5645. Summing option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. The option to trade the identified option product To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option trading service provider, the server confirms the transaction based on the transaction amount per one contract of the checked option product among the at least one point exchange amount exchanged through the point exchange system shown in FIG. 49. It is desirable to check the amount of option trading to trade the option product.

Thereafter, the server is connected to the financial system based on the option transaction amount corresponding to the parent account of the virtual account on the point exchange system shown in FIG. At least one contract corresponding to the option product is traded (5810).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (5815), the server generates a predetermined option transaction history corresponding to the option transaction and store it in the account ledger corresponding to the option transaction account, or for each customer corresponding to the option transaction. The option transaction details are generated and stored in the virtual account ledger corresponding to the virtual account having the option transaction account as the parent account (5820).

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction processing, and provides the predetermined transaction information to the customer through a predetermined communication server (5825).

According to an embodiment of the present invention, the communication server may send a mail server 5650 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 5655 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (5660) for providing information providing ARS service for providing one or more options trading information.

FIG. 59 is a diagram illustrating a settlement process of option revenue of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

More specifically, FIG. 59 illustrates a process of investing a point exchange amount exchanged from at least one or more customer points and deposited in a predetermined virtual account in a predetermined option product through the point exchange system shown in FIG. 49. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 59 to infer various implementation methods for the settlement process of option proceeds using the point exchange amount. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 59, the option trading server 5600 on the option trading system shown in FIG. 56 is referred to as " server " for convenience.

Referring to FIG. 59, after the server on the option trading system shown in FIG. 56 performs the option trading process shown in FIGS. 57 and / or 58, it is based on the option transaction details provided on the financial system. By comparing the expiration date and the current date and time for at least one or more of the options trading options traded through the option trading process shown in Figure 57 and / or 58, it is confirmed whether the expiration date for the trading options option has arrived ( 5900).

If it is confirmed that the expiration date for the option-to-trade option item arrives (5905), the server checks whether a predetermined profit for the contract corresponding to the option-to-trade option product has occurred (5910).

If a predetermined profit does not occur for the contract corresponding to the option product to be traded, or if a loss date for the contract corresponding to the option product occurs (5915), the server does not generate the option profit (or In operation 5920, predetermined option transaction information corresponding to the loss is generated and provided to the customer through a predetermined communication server.

According to an embodiment of the present invention, the communication server may send a mail server 5650 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 5655 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (5660) for providing information providing ARS service for providing one or more options trading information.

On the other hand, if it is confirmed that a predetermined profit has been generated for the contract corresponding to the transaction option product, the server is configured to at least one option transaction for each customer based on at least one option transaction history for each customer included in the financial system. A corresponding at least one customer-specific option proceed is calculated (5925).

If the option revenue for each customer is calculated (5930), the server processes the option proceeds to a virtual account (or a financial account of the customer's name) shown in Figure 49 (5935), the option proceeds The predetermined option transaction information corresponding to the settlement process is generated and provided to the customer through a predetermined communication server (5940).

According to an embodiment of the present invention, the communication server may send a mail server 5650 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 5655 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step with a wired or wireless communication terminal of the customer; It is preferable to include at least one or more automatic response server (5660) for providing information providing ARS service for providing one or more options trading information.

60 is a diagram illustrating a point exchange system configuration for option investment in a pre-approval method using customer points according to another embodiment of the present invention.

In more detail, in FIG. 60, the option investment using the customer point is pre-approved through the information registration system shown in FIGS. 1 and / or 8, and the customer information and the customer point information and the predetermined information are stored in a predetermined storage medium 6030. When at least one option transaction application (or consent) information is stored in association with at least one, the amount (or real currency or cash) to invest the customer points in at least one or more options based on the information stored in the storage medium 6030. A system configuration for exchanging money, wherein a predetermined option trading account converts at least one or more points accumulated to the customer into an option transaction deposit amount, and an amount exchanged from the customer point processes at least one option transaction. It is about the implementation method to be deposited in.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 60 to infer various implementation methods for constructing a point exchange system for option investment using the customer point. The present invention includes all implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

According to an embodiment of the present invention, a point exchange system for option investment using the customer point may include the customer information, the customer point information, and the option transaction registered through the information registration system shown in FIGS. 1 and / or 8. At least one storage medium (6030) for storing at least one application (or consent) information in association with the processing information and at least a predetermined point for the option investment to the customer corresponding to the customer point information stored in the storage medium (6030) One or more point servers, a point exchange server 6000 for converting points accumulated to the customer in connection with at least one point server to an option transaction deposit amount, and a point operation account corresponding to the at least one point server; Have a financial system with an option trading account of an option trading service provider Characterized in that made.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least through the teller terminal Provide face-to-face financial transaction services to one or more financial transactions customers.

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

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

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

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless call terminal (e.g., PCS and / or GSM) connected to the above-mentioned wired call 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). Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal and / or a smartphone).

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 60, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. In addition, the accounting system for processing counter services such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), the information system for processing the headquarters business, the branch information support and customer information management, and 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 access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system is a point operating account and the option transaction of the point server (or point provider) that provides a predetermined point to the customer in order to exchange the customer point to the option transaction deposit amount Characterized in that the option trading account of the service provider is provided.

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

The point server is a predetermined point (e.g., a point capable of converting to real currency or cash) at which at least one bank, card company, insurance company, or securities company is affiliated with (or associated with, a holding relationship) to make the option investment. A server that operates a point DB (not shown) that accumulates to the customer, or at least one or more point earning institutions (or companies) affiliated with the financial institution (eg, a telecommunication company, an airline company, a travel agency, an internet shopping mall, an offline store) Or a department store), etc.), and a server for operating a point DB (not shown) for acquiring the predetermined points (for example, points convertible into real money or cash) to the customer. do.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the point server earning a predetermined point that can be invested in the option to the customer, detailed description thereof will be omitted for convenience.

The storage medium 6030 stores and stores at least one of the customer information, the customer point information, and the option transaction application (or agreement) information registered through the information registration system shown in FIGS. 1 and / or 8. It is characterized by.

Here, the customer information is the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the point investment application (or consent), and the member information of the customer. (E.g., member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by the customer signing up as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the customer point information is an investment for selecting at least one or more investment target points to invest in at least one or more option products from among at least one or more points (for example, points that can be option investment using the points). It is preferable to include the target point selection information, and it is possible to omit all the points accumulated for the customer when investing in the option product.

According to the method of the present invention, the investment target points are points accumulated by the at least one bank affiliated with the financial institution (or associated with the holding company) to the customer, and / or affiliated with the financial institution ( Or points earned to the customer by at least one or more credit card companies associated with a holding relationship, and / or points earned to the customer by one or more insurance companies affiliated with (or by a holding relationship), and / Or at least one or more points that are credited to the customer by at least one or more securities companies affiliated with the financial institution (or associated with a holding relationship).

Alternatively, the investment target point is affiliated with the financial institution (for example, among point earning institutions (or companies) that pay the points in cash to the customer when the points accumulated to the customer are accumulated to a predetermined size or more. Preferably, the point earning institution (or company) of the point earning institution (or company) includes at least one or more point earning institutions (or companies) opened in the financial institution, and the point earning institution (or company) is a telecommunication company, It is preferable to include at least one or more airlines, travel agencies, Internet shopping malls, offline stores (or department stores).

In addition, the customer point information, it is preferable that the customer is made up of the points (points) financial product subscription (or application) information to be subscribed to at least one or more financial products that earn points that can be invested by the option using the points, If the customer does not subscribe to a separate financial product can be omitted.

In addition, the customer point information, the point accumulation target card for issuing at least one or more cards (for example, credit card, check card, debit card, point card, etc.) that accumulate points for option investment using the points to the customer It is preferable to include the issuance information, it is possible to omit if the customer is not issued a separate card.

In addition, the option transaction application (or consent) information, the authentication (Authentication), integrity (Integrity) that the customer applied (or agreed) to invest in at least one option product points corresponding to the point information And information for securing nonrepudiation.

Referring to FIG. 60, the point exchange server 6000 for converting the customer points into a predetermined option transaction deposit amount is processed in association with the customer information associated with the option transaction application (or agreement) information and the storage medium ( Information check unit 6025 to check the point server information to read / store the customer point information stored in the (3030) to accumulate / operate a predetermined point (for example, points that can be exchanged in real money or cash) that can be investment options to the customer And a point checking unit 6020 that checks at least one or more customer points accumulated to the customer in association with the confirmed point server, and a currency exchange rate for calculating at least one or more point exchange rates to be exchanged from the confirmed customer points. An amount calculated by 6015 and calculated from at least one or more point operating accounts in connection with the financial system; Point exchange part 6010 which processes the exchange amount of money as the deposit amount of the option transaction of the customer and deposits (or transfers) the predetermined option transaction account, and deposits the calculated at least one point exchange amount to the option transaction account. And an information storage unit 6005 for storing the point exchange information including the details of transfer (or transfer) in a predetermined storage medium 6030 in association with the customer information.

The information confirmation unit 6025 stores and stores at least one of the customer information, the customer point information, and the option transaction application (or consent) information registered through the information registration system shown in FIGS. 1 and / or 8. Checking at least one or more customer information associated with the option transaction application (or consent) information from the storage medium (6030), and read the customer point information stored in connection with the confirmed customer information, the option investment in the customer It is characterized in that the point server information for earning / operating a predetermined point (for example, points that can be exchanged for real money or cash) possible.

According to the method of the present invention, when the customer point information includes at least one investment target point selection information, the information checking unit 6025 may include at least one bank, card company, corresponding to the investment target point selection information. Server information for operating a point DB (not shown) in which an insurance company or a securities company accumulates a predetermined point (for example, a point that can be exchanged for real money or cash) in which the option can be invested, or the investment target point selection information. At any one or more points earning institutions (or companies) corresponding to (e.g., carriers, airlines, travel agencies, Internet shopping malls, offline stores (or department stores, etc.)) Operate a point DB (not shown) to earn points that can be exchanged to customers. It is preferable to determine the server information to the point information server.

Alternatively, when the customer point information includes at least one or more points of financial product subscription (or application) information (or points of financial product information), the information checking unit 6025 may subscribe to the points of financial products. (Or application) It is preferable to check the financial product management server information (or the point server information associated with the financial product management server) corresponding to the information (or financial product information to accumulate points) as the point server information.

Alternatively, when the customer point information includes at least one point accumulation target card issuance information (or point accumulation target card information), the information checking unit 6025 may include the point accumulation target card issuing information (or point accumulation target card). The card management server information (or the point server information associated with the card management server) corresponding to the information may be confirmed as the point server information.

The information check unit 6025 checks the point when at least one or more point server information for earning / operating a predetermined point (for example, a point that can be exchanged for real money or cash) that is available for option investment to the customer is confirmed. The unit 6020 may be provided with at least one customer point accumulated to the customer at each pointer server by providing the customer information to the at least one or more point servers identified through a predetermined communication means.

According to another exemplary embodiment of the present invention, when the predetermined point DB that is operated / managed by at least one point server is shared with the point exchange server 6000, the point checking unit 6020 operates / manages the point server. At least one customer point corresponding to the customer information is extracted from at least one or more point DB.

When at least one or more customer points accumulated in the at least one point server by the point checking unit 6020 are confirmed to the customer, the currency exchange amount calculating unit 6015 may convert between the customer point and the real currency (or cash). At least one point exchange amount corresponding to at least one customer point is calculated according to the defined exchange rate.

For example, if the exchange rate defined between the customer point and the real currency (or cash) is 100: 1, the customer point 100,000 is calculated as the point exchange amount of 1,000 won (or cash).

When a point exchange amount for at least one customer point is calculated by the exchange amount calculator 6015, the point exchange unit 6010 may connect at least one point server corresponding to at least one point server in connection with the financial system. Withdraw the point exchange amount calculated by the currency exchange amount calculation unit 6015 from the operating account, and process the withdrawn point exchange amount as the option transaction deposit amount of the customer and deposit it into the option transaction account of the option transaction service provider. (Or transfer).

According to an embodiment of the present invention, after depositing (or transferring) the calculated at least one point exchange amount into the option transaction account, the point exchange unit 6010 deposits (or transfers) the point exchange amount. It is preferable to provide the point exchange information including the details to each point server, so that the points server has accumulated the points accumulated to the customer.

When the at least one point exchange amount calculated by the point exchange unit 6010 is deposited (or transferred) to the option transaction account, the information storage unit 6005 may calculate the at least one point exchange amount calculated. It is characterized in that the point-exchange information including the details of the deposit (or transfer) to the option transaction account by processing as the customer's option transaction deposit amount is stored in a predetermined storage medium (6030).

According to an embodiment of the present invention, the information storage unit 6005 stores the generated point exchange information in association with the customer information in the storage medium 6030 shown in FIGS. 1 and / or 8, or Alternatively, the customer information and the point exchange information may be stored in a separate storage medium 6030.

61 illustrates a point exchange process for option investment using customer points according to another embodiment of the present invention.

In more detail, in FIG. 61, the option investment using the customer points is pre-approved through the information registration system shown in FIGS. 1 and / or 8, and the customer information and the customer point information are stored in a predetermined storage medium 6030. When at least one option transaction application (or consent) information is stored in association with at least one, the point exchange system shown in FIG. 60 invests the customer point in at least one or more options based on the information stored in the storage medium 6030. This is a process of depositing (or transferring) the option transaction account by converting it into an amount (or real currency or cash) to be paid. If a person of ordinary skill in the art belongs to the present invention, refer to FIG. And / or modified to infer various implementation methods for the point exchange system configuration for option investments using the customer points. The would, 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 61.

Hereinafter, in this figure 61, the point exchange server 6000 on the point exchange system shown in FIG. 60 is referred to as "server" for convenience.

Referring to FIG. 61, the server shown on the point exchange system shown in FIG. 60 requests the customer information, the customer point information, and the option transaction through the information registration system shown in FIG. 1 and / or FIG. Consent) confirms at least one or more customer information associated with the option transaction application (or consent) information from the storage medium (6030) stored in association with at least one information stored, and stored and processed in connection with the confirmed customer information By reading the point information, the point server information for acquiring / operating predetermined points (for example, points that can be exchanged for real money or cash) that can be invested in the customer is confirmed (6100).

According to an embodiment of the present invention, when the customer point information includes at least one investment target point selection information, the server may include the option in at least one bank, card company, insurance company, or securities company corresponding to the investment point selection information. Server information for operating a point DB (not shown) for accumulating predetermined points (for example, points convertible into real money or cash) that can be invested to the customer, or at least one or more corresponding to the investment target point selection information Points for which the option can be invested in points earning institutions (or companies) (e.g., carriers, airlines, travel agencies, Internet shopping malls, offline stores (or department stores), etc.) (e.g. points that can be exchanged for real money or cash) Server information to operate the point DB (not shown) to accumulate the customer To make the server to the point information is preferred.

Alternatively, when the customer point information includes at least one point accumulation target financial product subscription (or application) information (or point accumulation target financial product information), the server may include the point accumulation target financial product subscription (or application) information. It is preferable to check the financial product management server information (or point server information associated with the financial product management server) corresponding to the financial product management server information (or point product information).

Alternatively, when the customer point information includes at least one point accumulation target card issuance information (or point accumulation target card information), the server corresponds to the point accumulation target card issue information (or point accumulation target card information). Preferably, the card operation server information (or point server information associated with the card operation server) is confirmed as the point server information.

Thereafter, the server provides the customer information to each point server corresponding to the identified at least one point server information through a predetermined communication means, thereby at least one or more customer points accumulated from each pointer server to the customer. Check (6105).

According to another embodiment of the present invention, when the predetermined point DB that is operated / managed by at least one point server is shared with the point exchange server 6000, the server operates at least one point that is operated / managed by the point server. It is possible to extract at least one or more customer points corresponding to the customer information from the DB, whereby the present invention is not limited.

If at least one or more customer points earned to the customer are identified from at least one or more point servers (6110), the server determines a predetermined exchange rate defined between the at least one or more customer points and the real currency (or cash). In operation 6151, at least one or more point exchange amounts corresponding to at least one or more customer points are calculated.

For example, if the exchange rate defined between the customer point and the real money (or cash) is 100: 1, the server calculates 100,000 customer points as the point exchange amount of 1,000 won (or cash).

If each point exchange amount for at least one customer point is calculated (6120), the server converts the calculated point exchange amount from at least one point operating account corresponding to at least one point server in connection with the financial system. And withdraw the point exchange amount of money withdrawn as the option transaction deposit amount of the customer to deposit (or transfer) to the option transaction account (6125).

Thereafter, the server processes the point exchange amount in connection with the financial system as the deposit amount of the option transaction of the customer and transfers the point exchange information including the transaction details to the virtual account to the virtual account ledger. Store (6130).

In addition, the server provides the point exchange information to each point server through the communication means (6135), it is preferable to process the points accumulated by the point server to the customer as exhausted.

62 is a diagram illustrating a face-to-face information registration system for option transaction in a pre-approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, Fig. 62 shows at least one of customer information, option product selection information, and option transaction request amount information for an option transaction using a point exchange amount according to the present invention to an information registration system through a predetermined information registration interface. When providing the option transaction request information including one or more, the information registration system links the customer information, option product selection information and option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB ( 6230, a person having ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 62 to configure an information registration system for option trading using a point exchange amount. It will be possible to infer various implementation methods for the present invention, but the present invention Including exemplary method, and shall not be limited to the exemplary method shown in the figure 62.

For example, the face-to-face information registration system shown in FIG. 62 is composed of the same system as the information registration system shown in FIG. 1, or the point exchange amount exchanged through the point exchange system shown in FIG. If the option trading service provider automatically selects at least one or more option products to be omitted, the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 6230 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as "information registration server 6200" for convenience.

Referring to FIG. 62 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes an information registration terminal including a teller terminal provided in at least one financial institution branch. And 6235, wherein the information registration terminal 6235 is connected to a communication channel with an information registration server 6200 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for an option transaction using the point exchange amount according to the present invention, and through a window (or through a teller) provided at the financial institution branch. Complete a prescribed application for option trading using the point exchange amount (e.g., a document with a form for filling in at least one item of information for option trading using the point exchange amount), and send the completed application to the counter staff. Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal transmits the input (or selected) information to the information registration system via the financial network. It is preferable to transmit to the information registration server 6200 provided in.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 6200 connected to the teller terminal is ledger provided on the predetermined financial system It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 6200 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 6200. Do.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 6200 are the points according to the present invention. Performs the function of the information registration interface for registering the option transaction request information for the option transaction using the exchange amount.

The option operation DB 6230 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 6235. And storing the information in a predetermined option operation DB 6230 by cooperatively processing the information, and including at least one of the customer information, the option product selection information, and the option transaction request value information stored in the option operation DB 6230. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information is the personal information of the customer (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail) of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. Address, etc.) and member information of the customer (e.g., in a customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The option product selection information is information in which a customer corresponding to the customer information selects at least one option product for investing the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amounts exchanged through the point exchange system shown in FIG.

According to another exemplary embodiment of the present invention, at least one or more option products (or options automatically selected by the option trading service provider) whose point exchange amount of money exchanged through the point exchange system shown in FIG. 60 correspond to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an embodiment of the present invention, the option operation DB 6230 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 6230 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 6230 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 6200 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 6235 through a predetermined financial network, 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 an embodiment of the present invention, when the information registration terminal 6235 is a teller terminal connected to a predetermined financial network, the information registration server 6200 is connected to the teller terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the information registration server 6200 is provided with an interface unit 6205 connecting and managing a predetermined communication channel with the information registration terminal 6235 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 6235 is a window terminal connected to a predetermined financial network, the interface unit 6205 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable 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 financial transaction related program provided in the window terminal.

Referring to FIG. 62, the information registration server 6200 connects a communication channel with the information registration server 6200 through a predetermined information registration terminal 6235 through the interface unit 6205, and then the interface unit ( 6205, which generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined option transaction request information from the information registration terminal 6235 and providing the information registration terminal 6235 to the information registration terminal 6235. An information receiving unit for receiving a predetermined option transaction request information that is input (or selected) and transmitted from the information registration terminal 6235 through the user interface in cooperation with the interface providing unit 6210 and the interface unit 6205. 6215), a validity confirming unit 6220 confirming validity of the received option transaction request information, and the customer information and options included in the validated option transaction request information. And an information storage unit 6225 for linking the product selection information and the option transaction request amount information to store in the predetermined option operation DB 6230.

The interface providing unit 6210 is provided in the information registration terminal 6235 after a predetermined information registration terminal 6235 connects a communication channel with the information registration server 6200 through the interface unit 6205. In response to the functional configuration, the user may input (or select) the option transaction request information and generate a predetermined user interface capable of transmitting to the information registration server 6200 through the financial network, and / or a predetermined database (not shown). And the user interface generated (or extracted) in cooperation with the interface unit 6205 to the information registration terminal 6235 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 6235 and transmitting it to the information registration server 6200 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 6210 that provides the user interface to the information registration terminal 6235 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 6235 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the input information. (Or selected) the option transaction request information is transmitted to the information registration server 6200 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 6235 is a window terminal connected to a predetermined financial network, the interface providing unit 6210 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 6205.

The information receiving unit 6215 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information from the information registration terminal 6235 through the user interface. When transmitting through the financial network, the option transaction request information is received in connection with the interface unit 6205, and the received option transaction request information is provided to the validity confirming unit 6220.

The validity confirming unit 6220 may verify whether the option transaction request information received from the information registration terminal 6235 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity confirming unit 6220 may include checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

When the validity of the option transaction request information is confirmed, the information storage unit 6225 may link and process the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to the option operation DB ( And the option operation DB 6230 is provided in the information registration server 6200 or on the network associated with the information registration server 6200. 6225 is preferably linked to the customer information included in the received option transaction request information, option product selection information and option transaction request amount information and stored in the option operation DB 6230, the option operation DB ( When 6230 is provided in the DBMS provided on the financial system, the information storage unit 6225 may include the customer information, the option product selection information, and the option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

63 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 63 shows a case where the information registration server 6200 on the information registration system shown in FIG. 62 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network. In this case, the counter terminal connects to the information registration server 6200 and connects a communication channel for information registration according to the present invention, and then the customer information and the optional product to the information registration server 6200 through the communication channel. When the option transaction request information including selection information and option transaction request amount information is transmitted, the customer information, option product selection information, and option transaction request amount included in the received option transaction request information are transmitted from the information registration server 6200. The present invention relates to an implementation method of linking and storing information in a predetermined option operation DB 6230, and has a general knowledge in the technical field to which the present invention pertains. However, various exemplary methods of registering the option transaction request information with the information registration server 6200 at the counter terminal may be inferred by referring to and / or modifying the drawing 63. However, the present invention provides all the inferences. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 63, the window terminal shown in Fig. 62 is referred to as " terminal " for convenience, and the information registration server 6200 shown in Fig. 62 is referred to as " server " for convenience, and the information is registered in the window terminal. The customer information, the option product selection information, and the option transaction request amount information transmitted to the server 6200 are referred to as "option transaction request information" for convenience.

Referring to FIG. 63, the window terminal shown in FIG. 62 connects a predetermined communication channel for registering the option transaction request information by accessing the server through a predetermined financial network, and using the point exchange amount. When requesting to register the option transaction request information for a transaction (6300), the server generates (or extracts) a predetermined information registration interface for registering the option transaction request information (6305), and through the communication channel, The generated (or extracted) information registration interface is transmitted to the terminal and output (6310).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to include.

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (6315).

If the terminal inputs (or selects) option transaction request information including the customer information, the option product selection information, and the option transaction request amount information through the information registration interface (6320), the terminal through the financial network The option transaction request information including the input (or selected) customer information, option product selection information, and option transaction request amount information is transmitted to the server (6325).

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the financial network to confirm the validity of the option transaction request information (6330).

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

For example, the validity confirming unit 6220 may include checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

If the validity of the option transaction request information is not authenticated (6335), the server generates predetermined information registration error information and transmits it to the terminal (6340), and performs an information registration procedure corresponding to the option transaction request information. Do not perform.

On the other hand, if the validity of the option transaction request information is authenticated (6335), the server performs an information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information. The data is stored in a predetermined option operation DB 6230 (6345).

According to an embodiment of the present invention, the option operation DB 6230 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The option operation DB 6230 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 6230 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (6350), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

64 is a diagram illustrating a non-face-to-face information registration system for an option transaction of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

In more detail, Figure 64 shows a predetermined customer through the predetermined information registration interface to the customer information, option product selection information and option transaction request amount information for option trading using the point exchange amount according to the present invention to the information registration system When providing option transaction request information including at least one or more, the information registration system links the customer information, option product selection information, and option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB. As a system configuration for storing in (6430), those of ordinary skill in the art to which the present invention pertains, the information registration system configuration for option trading using the point-exchange amount by referring to and / or modifying this figure 64 It will be possible to infer various implementation methods for the present invention, but the present invention Including exemplary method, and shall not be limited to the exemplary method shown in the figure 64.

For example, the non-face-to-face information registration system shown in FIG. 64 is composed of the same system as the information registration system shown in FIG. 8, or the point exchange amount exchanged through the point exchange system shown in FIG. It may be omitted when the option trading service provider automatically selects at least one option product to be invested, and thus the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 6230 on the information registration system shown in FIG. 64 through a predetermined information registration interface. The corresponding component is called "information registration server 6400" for convenience.

Referring to FIG. 64 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 6435 including at least one or more thereof, wherein the information registration terminal 6435 is provided on the information registration system via a predetermined network means. And communication channel are connected.

According to one embodiment of the present invention, the customer accesses the information registration server 6400 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the option transaction request information for the option transaction using the point exchange amount according to the present invention is input (or selected) through at least one user interface provided by the information registration server 6400, predetermined network means is provided by the client terminal. It is preferable to transmit to the information registration server 6400 provided on the information registration system through.

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 a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. 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 information registration server 6400 connected to the client terminal may be any one of an Internet banking server and / or a wireless banking server and / or a tele banking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

The network means for connecting the client terminal and the information registration server 6400 may be a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet and / or DataTAC / according to a wireless network type to which the client terminal is connected. Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the information registration server 6400, input and / or select at least one information through the user interface, and transmit the information to the information registration server 6400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 6400) 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 information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 6400 and And / or the wireless network functions as an information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

According to another exemplary embodiment of the present invention, in addition to the client terminal, the information registration terminal 6535 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network). A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 6535 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 6400 performs a function of an information registration interface for registering the option transaction request information for the option transaction by the customer using the point exchange amount according to the present invention, and / or the information registration terminal ( If 6435 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 6400 may be used by the customer. Performing a function of an information registration interface for registering option transaction request information for an option transaction using the point exchange amount according to the present invention, and / or the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a terminal 6435, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the network connecting the information registration server 6400 performs a function of the information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

The option operation DB 6230 provided on the information registration system according to the present invention includes the customer information, the option product selection information, and the option transaction request amount included in the option transaction request information provided from the information registration terminal 6435. And storing information in a predetermined option operation DB 6230 by linking the information, and including at least one of the customer information, option product selection information, and option transaction request amount information stored in the option operation DB 6630. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information is the personal information of the customer (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail) of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. Address, etc.) and member information of the customer (e.g., in a customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The option product selection information is information in which a customer corresponding to the customer information selects at least one option product for investing the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amounts exchanged through the point exchange system shown in FIG.

According to another exemplary embodiment of the present invention, at least one or more option products (or options automatically selected by the option trading service provider) whose point exchange amount of money exchanged through the point exchange system shown in FIG. 60 correspond to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to one embodiment of the invention, the option operation DB (6430) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 6630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 6230 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in a DBMS on at least one or more banking systems of the TV banking system, whereby the present invention is not limited.

The information registration server 6400 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal 6535 via 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 an embodiment of the present invention, when the information registration terminal 6435 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 6400. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal 6435 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 6400 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 6400 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the information registration terminal 6435 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 6400 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 6400 comprises an interface unit 6405 for connecting and managing a predetermined communication channel with the information registration terminal 6535 via the network means. do.

According to an embodiment of the present invention, when the information registration terminal 6435 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 6405 may be used. At least one piece of information is connected to a predetermined communication channel with 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. Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 6405 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 communication program (eg, an internet banking program) provided by the information registration server 6400, the interface unit 6405 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a financial automation device connected to a predetermined financial network, the interface unit 6405 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 6405 may include a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 6405 may communicate with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 6400, the interface unit 6405 may communicate with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 6405 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 6405 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the call path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 6405 may define a protocol defined in the TV banking system. Based on a stack, at least one or more pieces of information are connected using a communication protocol defined in a communication program provided in the wired terminal (or interactive digital TV) and a predetermined communication channel. Or data) communication interface for transmitting and receiving.

Referring to FIG. 64, the information registration server 6400 connects a communication channel with the information registration server 6400 through a predetermined information registration terminal 6535 through the interface unit 6405, and then the interface unit ( 6405 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined option transaction request information from the information registration terminal 6435 and providing the information registration terminal 6435 to the information registration terminal 6435. An information receiving unit for receiving a predetermined option transaction request information that is input (or selected) and transmitted from the information registration terminal 6435 through the user interface in cooperation with an interface provider 6410 and the interface unit 6405 ( 6415) and the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information are stored in a predetermined option operation DB 6230. It is characterized by comprising an information storage unit (6425).

The interface providing unit 6410 is provided in the information registration terminal 6435 after a predetermined information registration terminal 6435 connects a communication channel with the information registration server 6400 through the interface unit 6405. Create a predetermined user interface capable of inputting (or selecting) the option transaction request information corresponding to the functional configuration and transmitting it to the information registration server 6400 via the network means, and / or a predetermined database (shown in FIG. Omit) and provide the generated (or extracted) user interface to the information registration terminal 6535 via the network means in association with the interface unit 6405.

Thereafter, the information registration terminal 6535 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the information. (Or selected) option transaction request information is transmitted to the information registration server 6400 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 6435 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 6410. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 6405 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a financial automation device connected to a predetermined financial network, the interface providing unit 6410 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 6405.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 6410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 6405.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 6410 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 6405 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 6435 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 6410 is configured to provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 6405. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 6535 and transmitting it to the information registration server 6400 via the network means is provided. When a predetermined information registration program is provided, the interface providing unit 6410 which provides the user interface to the information registration terminal 6435 may be omitted, and the present invention is not limited thereto.

The information receiving unit 6415 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information through the user interface at the information registration terminal 6435. When transmitting through the network means, the option transaction request information is received in cooperation with the interface unit 6405, and the received option transaction request information is provided to the validity confirming unit 6620.

The validity confirming unit 6620 may check whether the option transaction request information received from the information registration terminal 6535 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity confirming unit 6420 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

When the validity of the option transaction request information is confirmed, the information storage unit 6525 may link and process the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to the option operation DB ( 6430), and when the option operation DB 6630 is provided in the information registration server 6400 or on the network associated with the information registration server 6400, the information storage unit 6425 is preferably linked to the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information and stored in the option operation DB 6230, and the option operation DB ( When 6430 is provided in the DBMS provided on the financial system, the information storage unit 6525 may include the customer information, the option product selection information, and the option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

65 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to one embodiment of the present invention.

In more detail, in Fig. 65, in the case where the information registration server 6400 on the information registration system shown in Fig. 64 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 6400 and connecting the communication channel for information registration according to the present invention, the customer information, option product selection information and option transaction request amount to the information registration server 6400 through the communication channel When the option transaction request information including the information is transmitted, the information registration server 6400 processes the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information in a predetermined manner. As an implementation method for storing in the option operation DB (6430), those skilled in the art to which the present invention pertains. However, various implementation methods of registering the option transaction request information from the client terminal to the information registration server 6400 by referring to and / or modifying the drawing 65 may be inferred. It includes, and is not limited to the embodiment shown in Figure 65.

Hereinafter, in FIG. 65, the client terminal shown in FIG. 64 is referred to as "terminal" for convenience, and the information registration server 6400 shown in FIG. 64 is called "server" for convenience, and the information registration is performed in the client terminal. The customer information, option product selection information, and option transaction request amount information transmitted to the server 6400 are referred to as "option transaction request information" for convenience.

Referring to Fig. 65, the client terminal shown in Fig. 64 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Communication via a communication network and / or an IEEE 802.16x-based portable Internet, etc.) to connect a predetermined communication channel for registering the option transaction request information and to connect the predetermined communication channel for the option transaction using the point exchange amount. When requesting registration of request information (6500), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the option transaction request information (6505), and generates the information through the communication channel ( Alternatively, the extracted web page is transmitted to the terminal and output (6510).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (6515).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (6520), the terminal establishes the communication channel. In operation 6525, the inputted (or selected) customer information, option product selection information, and option transaction request amount information are transmitted to the server.

According to an embodiment of the present invention, transmitting the input (or selection) of the customer information, the option product selection information, and the option transaction request amount information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the selected option transaction request information to the server through electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the communication channel to confirm the validity of the option transaction request information (6530).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

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

For example, the validity confirming unit 6420 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

If the validity of the option transaction request information is not authenticated (6535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (6540), corresponding to the option transaction request information. Do not perform the information registration procedure.

On the other hand, if the validity of the option transaction request information is authenticated (6535), the server performs the information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information The data is stored in a predetermined option operation DB6430 (6545).

According to one embodiment of the invention, the option operation DB (6430) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 6630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 6230 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (6550), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

66A and 66B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another exemplary embodiment of the present invention.

In more detail, FIGS. 66A and 66B illustrate a case in which the information registration system illustrated in FIG. 64 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends predetermined option transaction request information for the option transaction using the point exchange amount to the Internet banking server. When the option transaction request information including information, option product selection information and option transaction request amount information is transmitted, the customer information and option product selection information included in the option transaction request information received from the information registration server 6400 and Implementation method of linking option transaction request amount information and storing it in a predetermined option operation DB 6630 For example, those skilled in the art to which the present invention pertains may register the option transaction request information from the client terminal to the information registration server 6400 by referring to and / or modifying the drawings 66a and 66b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 66A and 66B.

That is, when the user accesses the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 66A and 66B, the browser Although an implementation method of connecting an Internet banking-based financial transaction channel for registering option transaction request information between the client terminal and the Internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs, Based on the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 66A and 66B, and / or modified, the client terminal and the internet banking server are based on a predetermined internet banking program mounted on the client terminal. Option trading on Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 66A and 66B, and in addition to the Internet banking system, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering option transaction request information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. The present invention includes all types of non-face-to-face channel based financial transactions, including systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. And is not limited to the case of Internet banking shown in FIG. 66B.

In the following Figures 66a and 66b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 6400 is referred to as " server " for convenience.

66A and 66B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (6600a), the server communicates between the terminal and the server through the browser. In this case, the communication channel refers to a web page generated (or extracted) by a request of a browser program provided to the terminal and transmitted to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (6610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (6615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 6620a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (6625a), or if the terminal does not need to install and / or update the Internet banking security module (6615a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (6630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering option transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Attaching a predetermined digital signature to the data) and / or encrypting and providing at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering option transaction request information in the terminal. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (6635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. The request (6640a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face channel-based financial transactions based on the customer authentication data received from the terminal (6645a).

If the Internet banking customer authentication fails (6650a), the server blocks the Internet banking security channel for the terminal (6655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (6650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (6660a), where the Internet banking based The financial transaction channel refers to a communication channel that can register and transmit predetermined option transaction request information for option transactions using the point exchange amount from the terminal to the server.

Subsequently, when the terminal requests internet banking-based option transaction request information registration to the server through the inter-banking-based financial transaction channel to register option transaction request information (6600b), the server registers the option transaction request information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (6605b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (6610b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information in the terminal. And / or a predetermined password (e.g., an account password, etc.) and / or security to verify the validity of the internet banking customer requesting registration of the option transaction request information and / or the option transaction request information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution Interface to enter one OTP authenticator (or one-time password generated by OTP authenticator) It is preferable to further include a switch.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information through the information registration interface (6615b).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information via the information registration interface (6620b), the terminal transmits the financial transaction channel. The input (or selected) option transaction request information is transmitted to the server through 6662b.

According to an embodiment of the present invention, transmitting the input (or selection) option transaction request information through the financial transaction channel to the server, the option transaction request information input (or selection) through the information registration interface It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the option transaction request information through the financial transaction channel to confirm the validity of the option transaction request information (6630b).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

In addition, the validity check of the option transaction request information, it is preferable to further comprise authenticating a password and / or security code and / or OTP included in the option transaction request information.

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

For example, the validity confirming unit 6420 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

If the validity of the option transaction request information is not authenticated (6635b), the server generates a web page including predetermined option transaction request information registration error information and transmits it to the terminal (6640b), and the option transaction request is requested. Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the option transaction request information is authenticated (6635b), the server performs an information registration procedure corresponding to the option transaction request information, so that the customer information and option product selection information included in the option transaction request information and The option transaction request amount information is cooperatively processed and stored in the predetermined option operation DB 6630 (6645b).

According to one embodiment of the invention, the option operation DB (6430) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 6630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 6230 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined option transaction request information registration history information and transmits it to the terminal (6650b), thereby completing the option transaction request information registration transmitted from the terminal.

67 is a diagram showing the configuration of an option transaction system of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

More specifically, FIG. 67 is a method of investing a point exchange amount, which is exchanged from at least one or more customer points through the point exchange system shown in FIG. 60, deposited in an option trading account of the option trading service provider in a predetermined option product. As a system configuration, a person of ordinary skill in the art to which the present invention pertains can refer to this drawing 67 and / or modify it to infer various implementation methods for the option trading system using the point exchange amount. However, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs to the present invention, the information registration system illustrated in FIGS. 62 and / or 64 is omitted by referring to and / or modified in FIG. 67 (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 60 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 60, it may be possible to infer a method of investing a point exchange amount of money exchanged from at least one customer point and deposited in an option trading account of the option trading service provider in a predetermined option product. The present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited to.

The option trading system using the point exchange amount according to the embodiment of the present invention, the option operation DB (6745) for storing the option transaction request information including at least one of the customer information, option product selection information and option transaction request amount information And exchanged from at least one customer point through the point exchange system shown in FIG. 60 through the option transaction request information stored in the option operation DB 6545 and deposited in the option transaction account of the option transaction service provider. And an option transaction server 6700 for investing the point exchange amount in a predetermined option product, and a financial system having an option transaction account in which the point exchange amount is deposited.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that 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 transaction customers through a laptop and / or mobile 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 (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global 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 transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 67, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system is characterized in that the option transaction account in which a predetermined point exchange amount exchanged from the customer point is deposited through the point exchange system shown in FIG.

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

Referring to FIG. 67, the option trading server 6700 that provides an option trading service using the point exchange amount may include an option checking unit 6740 that identifies at least one or more trading options, and the identified trading options. An amount confirmation unit 6735 for confirming an option transaction amount for a product, and at least one contract corresponding to the target option product through the option transaction amount based on the option transaction account in connection with the financial system; It is characterized by comprising an option transaction processing unit 6730 to.

When the option transaction is made for each customer according to an exemplary embodiment of the present invention, the option checking unit 6740 checks at least one option product selection information associated with predetermined customer information from the option operation DB 6755. The amount confirmation unit 6735 checks the option transaction request amount associated with predetermined customer information from the option operation DB 6755, and then confirms the transaction target by the option confirmation unit 6740. Based on the transaction amount per one contract of the option product, it is characterized in that the option transaction amount of the option transaction to trade the identified options of the transaction options of the option transaction request.

For example, if the amount of transaction per one contract of the confirmed option product to be traded is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the amount confirmation unit 6735 is confirmed to be 20,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the option checking unit 6740 is at least one or more option products associated with at least two or more customer information from the option operation DB 6545 And counting the selection information to confirm the option product selection information selected by more customers, and identifying at least one or more option products corresponding to the identified option product selection information as a transaction target option product, wherein the amount checking unit 6735 sums option transaction request amount information associated with at least one option product selection information included in the option operation DB 6755 to identify the target option product, and is performed by the option confirmation unit 6740. The sum of the option transaction request sums based on the transaction amount per one contract of the identified target option product Characterized in that to determine the amount of options trading to trade confirmed the deal to option items.

For example, if the transaction amount per one contract of the confirmed option product for trading is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the amount confirmation unit 6735 is confirmed as 250,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the option verification unit 6740 checks at least one option product for trading according to the policy of the option transaction service provider. According to the policy of the option transaction service provider, the amount confirming unit 6735 may be provided to the option confirming unit 6740 among at least one or more point exchange amounts exchanged through the point exchange system shown in FIG. It is characterized in that for checking the option transaction amount to trade the identified transaction target option product on the basis of the transaction amount per one contract of the transaction target option product.

The option transaction processing unit 6730 corresponds to the at least one or more transaction target option product through the identified option transaction amount based on the option transaction account on the point exchange system shown in FIG. 60 in connection with the financial system. It is characterized by trading at least one contract.

Those skilled in the art to which the present invention pertains, the option transaction processing unit 6730 is a technical feature to trade the contract corresponding to the at least one or more trading options product identified in the option transaction amount. Since it will be understood, detailed description thereof will be omitted for convenience.

In addition, the option transaction processing unit 6730, based on the identified option transaction amount on the basis of the transaction of the at least one or more options trading options, and generates a predetermined option transaction history corresponding to the option transaction And store in an account ledger corresponding to the option trading account.

Referring to FIG. 67, the option trading server 6700 providing an option transaction service using the point exchange amount may check expiration of at least one or more option target products traded by the option transaction processing unit 6730. An option expiration confirmation unit 6725, an option revenue confirmation unit 6720 for confirming a return corresponding to the option transaction on the option expiration date, and a predetermined option return when the result of the confirmation indicates that And a settlement processing unit 6715 for calculating a corresponding option revenue for each customer, and a settlement processing unit 6710 for setting the option revenue to the customer in response to the option transaction amount.

The option expiration check unit 6725 checks whether an expiration date for the option target product has been reached by comparing the expiration date of the at least one option product traded by the option transaction processing unit 6730 with the current date and time. It is characterized by.

When the expiration date for the option product to be traded arrives as a result of the check by the option expiration check unit 6725, the option income checking unit 6720 checks whether a predetermined profit for the contract corresponding to the option product to be traded has occurred. Characterized in that.

When it is confirmed that the predetermined profit for the contract corresponding to the trading option product is generated, the profit calculation unit 6715 determines whether the option revenue check unit 6720 is based on the option transaction history for each customer. It is characterized by calculating the option proceeds.

When the option revenue for each customer is calculated by the revenue calculation unit 6715, the settlement processing unit 6710 may settle the option revenue to a financial account under the customer's name shown in FIG.

Referring to FIG. 67, the option transaction server 6700 providing an option transaction service using the point exchange amount is made by the option transaction processing unit 6730 for a transaction corresponding to at least one option product, or Alternatively, the expiration date of the transaction target option product is confirmed by the option expiration check unit 6725, or the option income check unit 6720 generates a option return to a predetermined customer, or the profit calculation unit ( 6715), if a predetermined option profit is calculated for the customer having generated the option revenue, or if the option proceeds are settled to the customer by the settlement processing unit 6710, each option transaction in connection with a predetermined communication server An option transaction information providing unit 6705 providing at least one option transaction information corresponding to the step to the customer; It characterized by comprising.

According to an embodiment of the present invention, the communication server may send a mail server 6750 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 6755 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer It is preferable to include at least one or more automatic response server (6760) for providing information providing ARS service for providing one or more options trading information.

FIG. 68 is a diagram illustrating an option transaction process of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 68 illustrates a process of investing a point exchange amount in a predetermined option product, which is exchanged from at least one customer point through the point exchange system shown in FIG. 60 and deposited in an option trading account of the option trading service provider. In the related art, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 68 to infer various implementation methods for the option trading process using the point exchange amount. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 68 so that the information registration system shown in FIGS. 62 and / or 64 is omitted (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 60 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 60, it is possible to infer a method of investing a point exchange amount of money exchanged from at least one customer point and deposited in an option trading account of the option trading service provider in a predetermined option product. The present invention includes all the implementation methods inferred above, and only with the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 68, the option trading server 6700 on the option trading system shown in FIG. 67 is referred to as " server " for convenience.

Referring to FIG. 68, the server on the option trading system shown in FIG. 67 is exchanged from at least one or more customer points through the point exchange system shown in FIG. 60 and deposited into the option trading account of the option trading service provider. In order to invest the exchange amount in a predetermined option product, at least one or more trading options are identified (6800), and the option transaction amount for the at least one or more trading options is identified (6805).

According to an embodiment of the present invention, when the option transaction is made for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 6545, After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 6545, the confirmation of the option transaction request amount based on the transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 6755 It is preferable to confirm the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 6755. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option transaction of option transaction item It is desirable to determine the amount.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably checks at least one or more option items for trading according to the policy of the option transaction service provider. The server may be configured based on a transaction amount per one contract of the checked option product among the at least one point exchange amount exchanged through the point exchange system shown in FIG. 60 according to the policy of the option transaction service provider. It is desirable to identify the amount of option trading to trade the identified option product.

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction initiation and provides it to the customer through a predetermined communication server (6810).

According to an embodiment of the present invention, the communication server may send a mail server 6750 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 6755 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer It is preferable to include at least one or more automatic response server (6760) for providing information providing ARS service for providing one or more options trading information.

Subsequently, the server corresponds to the at least one or more trading option product identified through the identified option transaction amount based on the option transaction account on the point exchange system shown in FIG. 60 in association with the financial system. Trade one or more contracts (6815).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (6820), the server generates a predetermined option transaction history corresponding to the option transaction and stores in the account ledger corresponding to the option transaction account (6825).

FIG. 69 is a diagram illustrating an option transaction process of a pre-approval method using a point exchange amount according to another embodiment of the present invention.

In more detail, FIG. 69 is a process of investing a point exchange amount of money exchanged from at least one customer point through the point exchange system shown in FIG. 60 and deposited in an option trading account of the option trading service provider in a predetermined option product. In the related art, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 69 to infer various implementation methods for the option trading process using the point exchange amount. The present invention includes all implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs to the present invention, the information registration system shown in FIGS. 62 and / or 64 is omitted by referring to and / or modifying the drawing 69 (for example, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 60 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 60, it is possible to infer a method of investing a point exchange amount of money exchanged from at least one customer point and deposited in an option trading account of the option trading service provider in a predetermined option product. The present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 69, the option trading server 6700 on the option trading system shown in FIG. 67 is referred to as " server " for convenience.

Referring to FIG. 69, the server on the option trading system shown in FIG. 67 is exchanged from at least one or more customer points through the point exchange system shown in FIG. 60 and deposited in the option trading account of the option trading service provider. In order to invest the point-exchange amount in a predetermined option product, at least one or more trading options are identified (6900), and the option transaction amount for the at least one or more trading options is identified (6905).

According to an embodiment of the present invention, when the option transaction is made for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 6545, After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 6545, the confirmation of the option transaction request amount based on the transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 6755 It is preferable to confirm the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 6755. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option transaction of option transaction item It is desirable to determine the amount.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option transaction service provider, the server confirms the transaction based on the transaction amount per one contract of the checked option product among the at least one point exchange amount exchanged through the point exchange system shown in FIG. 60. It is desirable to check the amount of option trading to trade the option product.

Thereafter, the server is connected to the financial system based on the option transaction account on the point exchange system shown in FIG. The above contract is traded (6910).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (6915), the server generates a predetermined option transaction history corresponding to the option transaction and stores in the account ledger corresponding to the option transaction account (6920).

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction processing and provides the predetermined transaction information to the customer through a predetermined communication server (6925).

According to an embodiment of the present invention, the communication server may send a mail server 6750 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 6755 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer It is preferable to include at least one or more automatic response server (6760) for providing information providing ARS service for providing one or more options trading information.

70 is a diagram illustrating a settlement process of option revenue of a pre-approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 70 is a process of investing a point exchange amount of money exchanged from at least one customer point through the point exchange system shown in FIG. 60 and deposited in an option trading account of the option trading service provider in a predetermined option product. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the settlement process of option profits using the point exchange amount may be inferred by referring to and / or modifying the drawing 70. However, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 70, the option trading server 6700 on the option trading system shown in FIG. 56 is referred to as " server " for convenience.

Referring to FIG. 70, after the server on the option trading system illustrated in FIG. 56 performs the option trading process illustrated in FIGS. 68 and / or 69, the server based on the option transaction history provided on the financial system is provided. By comparing the expiration date and the current date and time for at least one or more of the options trading products traded through the option trading process shown in Figure 68 and / or 69, it is confirmed whether the expiration date for the trading options product has arrived ( 7000).

If the expiration date for the target option product has arrived (7005), the server checks whether a predetermined revenue has been generated for the contract corresponding to the target option product (7010).

If a predetermined profit does not occur for the contract corresponding to the trading option product, or if a loss date for the contract corresponding to the option product occurs (7015), the server does not generate the option profit (or The option transaction information corresponding to the loss is generated and provided to the customer through a predetermined communication server (7020).

According to an embodiment of the present invention, the communication server may send a mail server 6750 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 6755 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer It is preferable to include at least one or more automatic response server (6760) for providing information providing ARS service for providing one or more options trading information.

On the other hand, if it is confirmed that a predetermined profit has been generated for the contract corresponding to the transaction option product, the server is configured to at least one option transaction for each customer based on at least one option transaction history for each customer on the financial system. A corresponding at least one customer-specific option proceed is calculated (7025).

If the option revenue for each customer is calculated (7030), the server processes the option revenue to a financial account in the name of the customer shown in the figure 60 (7035), the predetermined option corresponding to the option proceeds settlement process The transaction information is generated and provided to the customer through a predetermined communication server (7040).

According to an embodiment of the present invention, the communication server may send a mail server 6750 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 6755 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer It is preferable to include at least one or more automatic response server (6760) for providing information providing ARS service for providing one or more options trading information.

71 is a diagram illustrating a point exchange system configuration of a post-approval method for option investment using customer points according to an embodiment of the present invention.

In more detail, Figure 71 shows that when points earned to the customer by agreeing to a predetermined condition are automatically invested in the corresponding customer points in the option when the points accumulated to the customer are over a certain size, the customer's post-approval option is obtained by obtaining the customer's post-approval. A system configuration for converting the points into an amount (or physical currency or cash) to invest in at least one option for investment, specifically an option investment amount through post-approval of at least one or more points accumulated to the customer And the amount of money exchanged from the customer point is deposited in a predetermined virtual account using an option trading account of an option trading service provider (eg, a bank, etc.) as a parent account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 71 to infer various implementation methods for constructing a point exchange system for option investment using the customer point. The present invention includes all implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

According to an embodiment of the present invention, a point exchange system for option investment using the customer points may include at least one point server for accumulating a predetermined point for option investment to a predetermined customer, at least one point server and A point exchange server 7100 that exchanges points accumulated in the customer with an option investment amount and obtains customer approval for the customer point exchange, and a point operating account corresponding to at least one or more point servers and the option transaction service. And a financial system in which the option trading account of the provider is opened.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least through the teller terminal Provide face-to-face financial transaction services to one or more financial transactions customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless call terminal (e.g., PCS and / or GSM) connected to the above-mentioned wired call 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). Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal and / or a smartphone).

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 71, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. In addition, the accounting system for processing counter services such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), the information system for processing the headquarters business, the branch information support and customer information management, and 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 access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system is the point operating account and the option transaction service of the point server (or point provider) that provides a predetermined point to the customer in order to exchange the customer point to the option investment amount Characterized in that the option trading account of the provider is provided.

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

The point server is a predetermined point (e.g., a point capable of converting to real currency or cash) at which at least one bank, card company, insurance company, or securities company is affiliated with (or associated with, a holding relationship) to make the option investment. A server that operates a point DB (not shown) that accumulates to the customer, or at least one or more point earning institutions (or companies) affiliated with the financial institution (eg, a telecommunication company, an airline company, a travel agency, an internet shopping mall, an offline store) Or a department store), etc.), and a server for operating a point DB (not shown) for acquiring the predetermined points (for example, points convertible into real money or cash) to the customer. do.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the point server earning a predetermined point that can be invested in the option to the customer, detailed description thereof will be omitted for convenience.

Referring to FIG. 71, the point exchange server 7100 for converting the customer points into a predetermined option investment amount may identify a point for confirming at least one customer point accumulated in the customer in connection with at least one point server. A portion 7125, a currency exchange amount calculator 7120 for calculating a currency exchange amount of at least one point to be exchanged from the identified customer points, and at least one or more points exchanged from at least one customer point in connection with the financial system. The virtual account opening unit 7110, which establishes a virtual account to which a currency exchange amount is to be deposited, and the point exchange amount calculated from at least one or more point operating accounts in connection with the financial system, as the option investment amount of the customer, thereby processing the virtual account. A point exchange unit 7105 for depositing (or transferring) money into an account is provided. Characterized in that eojineun and further characterized in that obtained by having the customer approval processing unit 7115 to benefit the customer for approval of the customer investment options exchange point and / or the exchange amount.

The point checking unit 7125 extracts (or confirms) at least one or more customer information for converting a predetermined customer point into a predetermined investment amount from a predetermined customer information DB or a customer ledger provided in the financial system. Also, a point server provided in at least one bank, card company, insurance company, or securities company affiliated with the financial institution, or at least one point earning institution (or company) affiliated with the financial institution (eg, a telecommunication company, an airline company). , A travel agency, an internet shopping mall, an offline store (or a department store), and the like, characterized in that the point server is provided.

Thereafter, the point checking unit 7125 provides the customer information to the identified at least one point server through a predetermined communication means, so that each pointer server receives at least one or more customer points accumulated to the customer. It is characterized by.

According to another exemplary embodiment of the present invention, when the predetermined point DB that is operated / managed by at least one point server is shared with the point exchange server 7100, the point checking unit 7125 may operate / manage the point server. At least one customer point corresponding to the customer information is extracted from at least one or more point DB.

When at least one or more customer points accumulated in the at least one point server by the point checking unit 7125 are confirmed to the customer, the currency exchange amount calculating unit 7120 may convert between the customer point and the real currency (or cash). At least one point exchange amount corresponding to at least one customer point is calculated according to the defined exchange rate.

For example, if the exchange rate defined between the customer point and the real currency (or cash) is 100: 1, the customer point 100,000 is calculated as the point exchange amount of 1,000 won (or cash).

When the point exchange amount for at least one or more customer points is calculated by the exchange amount calculating unit 7120, the virtual account opening unit 7110 may convert the point exchange amount using the option trading account of the option trading service provider as a parent account. And a predetermined virtual account to be deposited (and / or paid for option transaction) under the name of the customer.

According to the method of the present invention, the virtual account opening unit 7110 generates virtual account ledger information for depositing the point exchange amount (and / or payment of option transaction proceeds) based on the customer information, and the financial By generating a virtual account ledger associated with the option trading account of the option trading service provider provided in the ledger D / B in conjunction with the system, and storing the generated virtual account ledger information in the virtual account ledger, It is preferable to open a predetermined virtual account in which the point exchange amount is to be deposited (and / or paid as an option transaction) using the option trading account of the trading service provider as the parent account in the name of the customer.

In the technical field to which the present invention pertains, the virtual account ledger information structure and the virtual account ledger are stored in association with the option trading service provider option trading account, thereby storing the option trading account of the option trading service provider. Since you will be familiar with the technical features of opening a virtual account to the mother left, a detailed description thereof will be omitted for convenience.

The point exchange unit 7105 withdraws the point exchange amount calculated by the currency exchange value calculation unit 7120 from at least one or more point operating accounts corresponding to at least one or more point servers in connection with the financial system, and withdraws the withdrawal. It is characterized in that the point money exchange amount is processed as the option investment amount of the customer to deposit (or transfer) to the virtual account opened by the virtual account opening unit 7110.

According to the method of the present invention, the point exchange information processed by the point exchange unit 7105 as the option investment amount of the customer and deposited in the virtual account is transferred to the transaction history included in the virtual account ledger. Preferably stored.

According to the method of the present invention, after depositing (or transferring) the calculated at least one point exchange amount into a virtual account having the option trading account as the parent account, the point exchange unit 7105 is connected to the point exchange amount. It is preferable to provide the point exchange information including the deposit (or transfer) details for each point server, so that the points server has accumulated the points accumulated to the customer as exhausted.

The customer approval processing unit 7115 may calculate the point exchange amount for the customer point before or after the point confirming unit 7125 checks (or confirms) a predetermined customer point, or the currency exchange value calculation unit 7120 calculates the point exchange amount for the customer point. Before (or after calculating), or before the point exchange unit 7105 converts the customer points into the point exchange amount and deposits (or transfers) the virtual account (or after depositing (or transferring)). Or exchange the customer point in connection with at least one communication server at least one or more time points before or after investing (or investing) the exchanged amount in at least one or more option products in a predetermined option transaction server 6700. And / or obtaining customer approval for the option investment of the exchanged amount.

According to the method of the present invention, the communication server mail server 7130 to send a customer approval request mail requesting the customer approval for the exchange of the customer points and / or option investment of the exchanged amount to the customer's mail account Or a wireless server 7135 for sending a customer approval request message for requesting customer approval for the customer's point exchange and / or the option investment of the exchanged amount to the customer's wireless terminal, or the wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (7140) for providing a customer approval request ARS service requesting customer approval for exchange of customer points and / or option investment of the exchanged amount, the customer is said customer If you approve the exchange of points and / or the option investment of the exchanged amount, you will be required to submit With a predetermined client authorization information corresponding to the mail / message / responder it is preferably received by the client approval processing unit (7115).

72 is a diagram illustrating a point exchange process for option investment of a post approval method using customer points according to an embodiment of the present invention.

In more detail, in the drawing 72, when points earned to the customer by agreeing to a predetermined condition are automatically invested in the corresponding customer points in the option when the points accumulated to the customer are larger than a certain size, the customer's post-approval option is obtained by obtaining the post-approval of the customer. The present invention relates to a process of converting the points into an amount (or real currency or cash) to be invested in at least one or more options, and depositing (or transferring) the virtual account with the option trading account as a parent account. Those skilled in the art may refer to and / or modify this drawing 72 to infer various implementation methods for constructing a point exchange system for option investment using the customer points. It includes all the implementation methods inferred, and only the implementation method shown in FIG. Technological features are not limited.

For example, referring to the implementation method shown in FIG. 72, the step of obtaining a customer approval for the exchange of the customer points and / or the option investment of the exchanged amount is based on the option transaction account of the option transaction service provider. After opening the virtual account in the customer's name, it will be described as being included before the deposit (or transfer) of a predetermined point exchange amount to the virtual account, the present invention is not limited by this, the customer point Obtaining customer approval for the exchange of money and / or the option investment of the exchanged amount may include before the server confirms (or verifies) a given customer point, or the server exchanges the point exchange amount for the customer point. Before calculating (or after calculating), or the server converts the customer points into the point exchange amount and the virtual system Before depositing (or transferring) to the left (or after depositing (or transferring)), or before investing (or investing) the exchanged amount in at least one or more option products at a given option trading server 6700. It may be included in any of the above, whereby the present invention is not limited.

In the drawing 72, the point exchange server 7100 on the point exchange system shown in FIG. 71 is referred to as " server " for convenience.

Referring to FIG. 72, the server shown on the point exchange system shown in FIG. 71 may convert at least a predetermined customer point into a predetermined option investment amount from a predetermined customer information DB or a customer ledger provided in the financial system. Identify one or more customer information and also have a point server in at least one bank, card company, insurance company, securities company affiliated with the financial institution, or at least one point earning institution (or company) affiliated with the financial institution ( For example, a point server provided in a communication company, an airline company, a travel agency, an internet shopping mall, an offline store (or a department store), etc. is checked (7200).

Thereafter, the server provides the customer information to each point server corresponding to the identified at least one point server information through a predetermined communication means, thereby at least one or more customer points accumulated from each pointer server to the customer. Check (7205).

According to another exemplary embodiment of the present invention, when the predetermined point DB managed / managed by at least one or more point servers is shared with the point exchange server 7100, the server may operate or manage at least one or more points by the point server. It is possible to extract at least one or more customer points corresponding to the customer information from the DB, whereby the present invention is not limited.

If at least one or more customer points earned to the customer are identified from at least one or more point servers (7210), the server determines the predetermined exchange rate defined between the at least one or more customer points and the real currency (or cash). In operation 7215, at least one or more point exchange amounts corresponding to at least one or more customer points are calculated.

For example, if the exchange rate defined between the customer point and the real money (or cash) is 100: 1, the server calculates 100,000 customer points as the point exchange amount of 1,000 won (or cash).

If each point exchange amount for at least one customer point is calculated (7220), the server transfers the point exchange amount to the option trading account of the option trading service provider in connection with the financial system, and deposits the point exchange amount (and And / or open a virtual account in the name of the customer to be paid for the option transaction (7225).

According to an embodiment of the present invention, the server generates virtual account ledger information for depositing (and / or paying the option transaction) the point exchange amount based on the customer information, and the ledger in connection with the financial system. After generating the virtual account ledger associated with the option trading account of the option trading service provider provided in the D / B, and storing the generated virtual account ledger information in the virtual account ledger, option trading of the option trading service provider It is preferable to open a predetermined virtual account in the name of the customer to which the point exchange amount is to be deposited (and / or paid for option transaction) using the account as the parent account.

In the technical field to which the present invention pertains, the virtual account ledger information configuration and the virtual account ledger are stored in association with the option trading service provider option trading account, thereby storing the option trading account of the option trading service provider. Since you will be familiar with the technical features of opening a virtual account having a parent account, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined customer approval request information for obtaining customer approval for the exchange of customer points and / or the option investment of the exchanged amount (7230), and the generated customer approval request information for the predetermined communication server. Through the request to the customer through the predetermined customer approval information corresponding to the request, and confirms whether the requested customer approval information is received from the customer (7235).

According to the method of the present invention, the communication server mail server 7130 to send a customer approval request mail requesting the customer approval for the exchange of the customer points and / or option investment of the exchanged amount to the customer's mail account Or a wireless server 7135 for sending a customer approval request message for requesting customer approval for the customer's point exchange and / or the option investment of the exchanged amount to the customer's wireless terminal, or the wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (7140) for providing a customer approval request ARS service requesting customer approval for exchange of customer points and / or option investment of the exchanged amount, the customer is said customer If the exchange of points and / or the option investment of the exchanged amount is approved, it is provided to the customer through the communication server. It is preferable that predetermined customer approval information corresponding to the mail / message / automatic response be received is received by the server.

If the customer approval information is received (7240), the server withdraws the calculated point exchange amount from at least one or more point operating accounts corresponding to at least one or more point servers in connection with the financial system, and the withdrawn points Treat the exchange amount as the deposit amount of the option transaction of the customer and deposit (or transfer) it into the opened virtual account (7245), and process the point exchange amount as the deposit amount of the option transaction of the customer in connection with the financial system. In operation 7250, the point exchange information including the transaction details deposited (or transferred) to the virtual account is stored in the virtual account ledger.

In addition, the server may provide the point exchange information to each point server through the communication means (7255), so that the point server has accumulated the points accumulated to the customer as exhausted.

73 is a diagram illustrating a face-to-face information registration system for an option transaction of a post-approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 73 illustrates that at least a predetermined customer receives at least one piece of customer information, option product selection information, and option transaction request amount information for an option transaction using a point exchange amount according to the present invention through an information registration interface. When providing the option transaction request information including one or more, the information registration system links the customer information, option product selection information and option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB ( 7330, the system configuration, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 73 to configure the information registration system for option trading using the point exchange amount It will be possible to infer various implementation methods for the present invention, but the present invention Including exemplary method, and shall not be limited to the exemplary method shown in the figure 73.

For example, when the option transaction service provider automatically selects at least one or more option products for which the point exchange amount exchanged through the point exchange system shown in FIG. 71 is to be invested. It may be omitted, thereby the invention is not limited.

Hereinafter, at least one or more means and / or functional configurations for storing the option transaction request information provided from the customer in the option operation DB 7330 via a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is called " information registration server 7300 " for convenience.

Referring to FIG. 73 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes an information registration terminal including a teller terminal provided in at least one financial institution branch. 7335), and the information registration terminal 7335 is connected to a communication channel with an information registration server 7300 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for an option transaction using the point exchange amount according to the present invention, and through a window (or through a teller) provided at the financial institution branch. Complete a prescribed application for option trading using the point exchange amount (e.g., a document with a form for filling in at least one item of information for option trading using the point exchange amount), and send the completed application to the counter staff. Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal transmits the input (or selected) information to the information registration system via the financial network. It is preferable to transmit to the information registration server 7300 provided in.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 7300 connected to the teller terminal is a ledger provided on the predetermined financial system. It is preferable to include a server, wherein the financial network connecting the teller terminal and the information registration server 7300 preferably comprises a branch network connecting the communication channel between the teller terminal and the information registration server 7300. Do.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 7300 are the points according to the present invention. Performs the function of the information registration interface for registering the option transaction request information for the option transaction using the exchange amount.

The option operation DB 7330 provided on the information registration system according to the present invention includes the customer information, option product selection information and option transaction request amount included in the option transaction request information provided from the information registration terminal 7335. And linking the information and storing the information in a predetermined option operation DB 7330, and including at least one of the customer information, option product selection information, and option transaction request amount information stored in the option operation DB 7330. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information is the personal information of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. 71 (eg, the name of the customer, social security number, address, telephone number, mobile phone number, E-mail address, etc.), and member information of the customer (e.g., the customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one or more member ID information, or CIF (Customer Information File (CIF) number, etc.) provided.

The option product selection information is information in which a customer corresponding to the customer information selects at least one option product to invest the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amounts exchanged through the point exchange system shown in FIG.

According to another exemplary embodiment of the present invention, at least one or more option products (or an option automatically selected by the option transaction service provider) whose point exchange amount exchanged through the point exchange system shown in FIG. 71 corresponds to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an embodiment of the present invention, the option operation DB 7330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operational DB 7330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 7330 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 7300 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal 7335 through a predetermined financial network, and includes at least one or more components. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 7335 is a window terminal connected to a predetermined financial network, the information registration server 7300 may be located on a financial system connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the information registration server 7300 is provided with an interface unit 7305 for connecting and managing a predetermined communication channel with the information registration terminal 7335 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 7335 is a window terminal connected to a predetermined financial network, the interface unit 7305 may be connected to the window 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 information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 73, the information registration server 7300 connects a communication channel with the information registration server 7300 through the interface unit 7305 through the interface registration unit 7305, and then the interface unit ( 7305 to generate (or extract) a predetermined user interface for inputting (or selecting) and transmitting predetermined option transaction request information from the information registration terminal 7335 to provide the information registration terminal 7335. An information receiving unit for receiving a predetermined option transaction request information that is input (or selected) and transmitted from the information registration terminal 7335 through the user interface in cooperation with an interface providing unit 7310 and the interface unit 7305 ( 7315), a validity checking unit 7320 for checking the validity of the received option transaction request information, and the customer information and options included in the valid option transaction request information. And an information storage unit 7325 that stores the product selection information and the option transaction request amount information in a predetermined option operation DB 7330.

The interface providing unit 7310 is provided in the information registration terminal 7335 after a predetermined information registration terminal 7335 connects a communication channel with the information registration server 7300 through the interface unit 7305. In response to the functional configuration, the user may input (or select) the option transaction request information and generate a predetermined user interface for transmitting to the information registration server 7300 through the financial network, and / or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the information registration terminal 7335 via the financial network in association with the interface unit 7305.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 7335 and transmitting it to the information registration server 7300 via the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 7310 which provides the user interface to the information registration terminal 7335 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 7335 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the input information. (Or selected) option transaction request information is transmitted to the information registration server 7300 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 7335 is a window terminal connected to a predetermined financial network, the interface providing unit 7310 may be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 7305.

The information receiving unit 7315 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information from the information registration terminal 7335 through the user interface. When transmitting through the financial network, the option transaction request information is received in connection with the interface unit 7305, and the received option transaction request information is provided to the validity confirming unit 7320.

The validity confirming unit 7320 may verify whether the option transaction request information received from the information registration terminal 7335 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity check unit 7320 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable.

In addition, the validity of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

When the validity of the option transaction request information is confirmed, the information storage unit 7325 associates and processes the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to the option operation DB ( And the option operation DB 7330 in the information registration server 7300 or on the network associated with the information registration server 7300. In operation 7325, the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information may be processed in association with the option information and stored in the option operation DB 7330. When the 7330 is provided in the DBMS provided on the financial system, the information storage unit 7325 may include the customer information, the option product selection information, and the option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

74 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 74 shows a case where the information registration server 7300 on the information registration system shown in FIG. 73 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 7300 to connect a communication channel for information registration according to the present invention, and then the customer information and the optional product to the information registration server 7300 through the communication channel. When the option transaction request information including selection information and option transaction request amount information is transmitted, the customer information, option product selection information, and option transaction request amount included in the received option transaction request information are transmitted from the information registration server 7300. The present invention relates to an implementation method of linking and storing information in a predetermined option operation DB 7330, and has a general knowledge in the technical field to which the present invention pertains. However, various implementation methods of registering the option transaction request information with the information registration server 7300 at the counter terminal may be inferred by referring to and / or modifying the drawing 74. It includes a method, and is not limited to the embodiment shown in FIG.

Hereinafter, in Fig. 74, the window terminal shown in Fig. 73 is referred to as " terminal " for convenience, and the information registration server 7300 shown in Fig. 73 is referred to as " server " for convenience. The customer information, the option product selection information, and the option transaction request amount information transmitted to the server 7300 are referred to as "option transaction request information" for convenience.

Referring to FIG. 74, the window terminal shown in FIG. 73 accesses the server through a predetermined financial network, connects a predetermined communication channel for registering the option transaction request information, and uses the point exchange amount. When requesting to register the option transaction request information for a transaction (7400), the server generates (or extracts) a predetermined information registration interface for registering the option transaction request information (7405), and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (7410).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (7415).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (7420), the terminal transmits the information through the financial network. The option transaction request information including the input (or selected) customer information, option product selection information, and option transaction request amount information is transmitted to the server (7425).

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the financial network to confirm the validity of the option transaction request information (7430).

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

For example, the validity checking unit 7320 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

If the validity of the option transaction request information is not authenticated (7435), the server generates predetermined information registration error information and transmits it to the terminal (7440), and performs an information registration procedure corresponding to the option transaction request information. Do not perform.

On the other hand, if the validity of the option transaction request information is authenticated (7435), the server performs the information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information The data is stored in a predetermined option operation DB 7330 (7445).

According to an embodiment of the present invention, the option operation DB 7330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB 7330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 7330 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (7450), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

75 is a diagram illustrating a non-face-to-face information registration system for an option transaction of a post-approval method using a point exchange amount according to another embodiment of the present invention.

In more detail, FIG. 75 illustrates that at least a customer selects customer information, option product selection information, and option transaction request amount information for an option transaction using a point exchange amount according to the present invention to an information registration system through a predetermined information registration interface. If the option transaction request information including one or more is provided, a predetermined option operation DB is processed by linking the customer information, option product selection information, and option transaction request amount information included in the option transaction request information provided by the information registration system. Regarding a system configuration to be stored at 7530, a person having ordinary knowledge in the technical field to which the present invention belongs will refer to and / or modify this drawing 75 to configure an information registration system for option trading using a point exchange amount. It will be possible to infer various implementation methods for the present invention, but the present invention Including exemplary method, and shall not be limited to the exemplary method shown in the figure 75.

For example, in the non-face-to-face information registration system shown in FIG. 75, the option transaction service provider automatically selects at least one or more option products to which the point exchange amount exchanged through the point exchange system shown in FIG. In this case, the present invention is not limited thereto.

Hereinafter, at least one or more means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 7530 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is called " information registration server 7500 " for convenience.

Referring to FIG. 75 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes a client including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 7535 including at least one terminal or the like, wherein the information registration terminal 7535 is provided on the information registration system via a predetermined network means. ) And the communication channel are connected.

According to one embodiment of the present invention, the customer accesses the information registration server 7500 through at least one or more client terminals of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When inputting (or selecting) option transaction request information for an option transaction using a point exchange amount according to the present invention through at least one or more user interfaces provided by the information registration server 7500, predetermined network means is provided by the client terminal. It is preferable to transmit to the information registration server 7500 provided on the information registration system through.

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 a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. 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.

Also, the information registration server 7500 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

The network means for connecting the client terminal and the information registration server 7500 may be a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet and / or DataTAC according to a wireless network type to which the client terminal is connected. / Mobitex-based wireless data communication network, or / and preferably includes any type of wireless communication network proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 7500, and inputs and / or selects at least one or more information through the user interface to the information registration server 7500. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 7500) 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 information registration 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 information registration server 7500. And / or the wireless network performs a function of an information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 7535 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 7535 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. A financial network connecting 7500 performs a function of an information registration interface for registering the option transaction request information for the option transaction by the customer using the point exchange amount according to the present invention, and / or the information registration terminal. When the 7535 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 7500 are the customer. Performing a function of an information registration interface for registering option transaction request information for an option transaction using the point exchange amount according to the present invention, and / or the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a terminal 7535, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the network connecting the information registration server 7500 performs a function of an information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

The option operation DB 7530 provided on the information registration system according to the present invention includes the customer information, option product selection information, and option transaction request amount included in the option transaction request information provided from the information registration terminal 7535. And storing the information in a predetermined option operation DB 7530 by linking the information, and including at least one of the customer information, the option product selection information, and the option transaction request amount information stored in the option operation DB 7730. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information is the personal information of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. 71 (eg, the name of the customer, social security number, address, telephone number, mobile phone number, E-mail address, etc.), and member information of the customer (e.g., the customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one or more member ID information, or CIF (Customer Information File (CIF) number, etc.) provided.

The option product selection information is information in which a customer corresponding to the customer information selects at least one option product to invest the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

Preferably, the option transaction request amount information includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amounts exchanged through the point exchange system shown in FIG.

According to another exemplary embodiment of the present invention, at least one or more option products (or an option automatically selected by the option transaction service provider) whose point exchange amount exchanged through the point exchange system shown in FIG. 71 corresponds to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an embodiment of the present invention, the option operation DB 7730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 7730 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 7730 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 7500 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 7535 through 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 an embodiment of the present invention, when the information registration terminal 7535 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 7500 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 7500 is the wireless banking. A predetermined server (or device) that is a predetermined wireless banking server provided on the system, and / or a program provided in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 7500 may include the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 7500 may be configured as described above. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 7500 comprises an interface unit 7505 for connecting and managing a predetermined communication channel with the information registration terminal 7535 via the network means. do.

According to an embodiment of the present invention, when the information registration terminal 7535 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 7505 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 7505 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 communication program (eg, an internet banking program) provided by the information registration server 7500, the interface unit 7505 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a financial automation device connected to a predetermined financial network, the interface unit 7505 may be configured to perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 7505 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 7505 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 7500, the interface unit 7505 may communicate with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 7505 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 7505 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 7505 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 75, the information registration server 7500 has a predetermined information registration terminal 7535 connecting a communication channel with the information registration server 7500 through the interface unit 7505, and then the interface unit ( 7505 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined option transaction request information from the information registration terminal 7535 and providing the information registration terminal 7535 to the information registration terminal 7535. An information receiving unit for receiving a predetermined option transaction request information input (or selected) transmitted from the information registration terminal 7535 through the user interface in cooperation with an interface providing unit 7510 and the interface unit 7505 ( 7515) and the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information are stored in a predetermined option operation DB 7530. It is characterized by comprising an information storage unit (7525).

The interface providing unit 7510 is provided in the information registration terminal 7535 after a predetermined information registration terminal 7535 connects the communication channel with the information registration server 7500 through the interface unit 7505. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the option transaction request information and transmitting it to the information registration server 7500 via the network means, and / or a predetermined database (not shown) And extracts the generated (or extracted) user interface to the information registration terminal 7535 through the network means.

Thereafter, the information registration terminal 7535 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the information. (Or selected) option transaction request information is transmitted to the information registration server 7500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 7535 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 7510 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 7505. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a financial automation device connected to a predetermined financial network, the interface providing unit 7510 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface which can be provided, and to provide the generated (or extracted) user interface to the ATM using the interface unit 7505.

According to another embodiment of the present invention, when the information registration terminal 7535 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 7510 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 7505.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 7510 may be configured as the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 7505 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 7535 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 7510 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV), and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 7505. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 7535 and transmitting the information to the information registration server 7500 via the network means is provided. When a predetermined information registration program is provided, the interface providing unit 7510 for providing the user interface to the information registration terminal 7535 may be omitted, and the present invention is not limited thereto.

The information receiving unit 7515 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information through the user interface at the information registration terminal 7535. When transmitting through the network means, the option transaction request information is received in association with the interface unit 7505, and the received option transaction request information is provided to the validity confirming unit 7520.

The validity confirming unit 7520 may check whether the option transaction request information received from the information registration terminal 7535 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity check unit 7520 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

When the validity of the option transaction request information is confirmed, the information storage unit 7525 associates the customer information included in the option transaction request information with the option product selection information and the option transaction request amount information to process the option operation DB ( And the option management DB 7530 in the information registration server 7500 or on the network associated with the information registration server 7500. The unit 7525 preferably processes the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information and stores them in the option operation DB 7530, and the option operation DB When the 7530 is provided in the DBMS provided on the financial system, the information storage unit 7525 may include the customer information, the option product selection information, and the option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

76 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to one embodiment of the present invention.

In more detail, in FIG. 76, when the information registration server 7500 on the information registration system shown in FIG. 75 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 7500 and connecting the communication channel for information registration according to the present invention, the customer information, option product selection information and option transaction request amount to the information registration server 7500 through the communication channel When the option transaction request information including the information is transmitted, the information registration server 7500 processes the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information in a predetermined manner. As an implementation method for storing in the option operation DB 7530, those skilled in the art to which the present invention pertains. However, various implementation methods for registering the option transaction request information from the client terminal to the information registration server 7500 may be inferred by referring to and / or modifying the drawing 76, but the present invention provides all the implementation methods inferred from the present invention. It includes, and is not limited to the embodiment shown in Figure 76.

Hereinafter, in FIG. 76, the client terminal shown in FIG. 75 is referred to as "terminal" for convenience, and the information registration server 7500 shown in FIG. 75 is called "server" for convenience, and the information is registered in the client terminal. The customer information, option product selection information, and option transaction request amount information transmitted to the server 7500 are referred to as "option transaction request information" for convenience.

Referring to FIG. 76, when the client terminal illustrated in FIG. 75 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile) Communication via a communication network and / or an IEEE 802.16x-based portable Internet, etc.) to connect a predetermined communication channel for registering the option transaction request information and to connect the predetermined communication channel for the option transaction using the point exchange amount. When requesting registration of request information (7600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the option transaction request information (7605), and generates the information through the communication channel ( Alternatively, the extracted web page is transmitted to the terminal and output (7610).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (7615).

If the terminal inputs (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (7620), the terminal receives the communication channel through the communication channel. The input (or selected) customer information, option product selection information, and option transaction request amount information are transmitted to the server (7625).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer information, the option product selection information, and the option transaction request amount information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the selected option transaction request information to the server through electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the communication channel to confirm the validity of the option transaction request information (7630).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

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

For example, the validity check unit 7520 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

If the validity of the option transaction request information is not authenticated (7635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (7640), corresponding to the option transaction request information. Do not perform the information registration procedure.

On the other hand, if the validity of the option transaction request information is authenticated (7635), the server performs the information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information The data is stored in a predetermined option operation DB 7530 (7645).

According to an embodiment of the present invention, the option operation DB 7730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 7730 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 7730 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (7650), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

77A and 77B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another embodiment of the present invention.

In more detail, FIGS. 77A and 77B illustrate that when the information registration system shown in FIG. 75 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends predetermined option transaction request information for the option transaction using the point exchange amount to the Internet banking server. When the option transaction request information including information, option product selection information and option transaction request amount information is transmitted, the information registration server 7500 and the customer information and option product selection information included in the received option transaction request information and Implementation method of linking option transaction request amount information and storing it in a predetermined option operation DB 7530 For those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawings 77a and 77b to register the option transaction request information from the client terminal to the information registration server 7500. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 77A and 77B.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 77A and 77B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the option transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 77a and 77b and between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Option trading Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 77a and 77b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering option transaction request information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. It includes all types of non-face-to-face channel based financial transactions, including systems and / or wireless banking systems and / or TV banking systems and / or future non-face-to-face banking systems. It is by no means limited to the case of Internet banking shown in Figure 77b.

In the following Figures 77a and 77b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 7500 is referred to as " server " for convenience.

Referring to FIGS. 77a and 77b, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (7700a), the server communicates between the terminal and the server through the browser. (7705a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (7710a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (7715a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (7720a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (7725a), or if the terminal does not need to install and / or update the Internet banking security module (7715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (7730a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering option transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering option transaction request information in the terminal. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (7735a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (7740a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transactions based on the customer authentication data received from the terminal (7745a).

If the Internet banking customer authentication fails (7750a), the server blocks the Internet banking security channel for the terminal (7755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (7750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (7760a), where the Internet banking base The financial transaction channel refers to a communication channel that can register and transmit predetermined option transaction request information for option transactions using the point exchange amount from the terminal to the server.

Subsequently, when the terminal requests the internet banking-based option transaction request information registration to the server through the inter-banking-based financial transaction channel to register the option transaction request information (7700b), the server registers the option transaction request information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (7705b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (7710b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information in the terminal. And / or a predetermined password (eg, an account password, etc.) and / or to confirm the validity of the Internet banking customer requesting registration of the option transaction request information and / or the option transaction request information. A security code (e.g., a security code printed on a security card issued to a customer during the internet banking application process) and / or a One Time Password (e.g., an internet banking application process (or after an internet banking application)) Interface to enter the one-time password generated by the provided OTP authenticator (or OTP authentication program) It is preferable to further include a switch.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information through the information registration interface (7715b).

If the terminal receives (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (7720b), the terminal establishes the financial transaction channel. The input (or selected) option transaction request information is transmitted to the server (7725b).

According to an embodiment of the present invention, transmitting the input (or selection) option transaction request information through the financial transaction channel to the server, the option transaction request information input (or selection) through the information registration interface It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the option transaction request information through the financial transaction channel to confirm the validity of the option transaction request information (7730b).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

In addition, the validity check of the option transaction request information, it is preferable to further comprise authenticating a password and / or security code and / or OTP included in the option transaction request information.

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

For example, the validity check unit 7520 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether the option transaction account is deposited in a virtual account having a parent account.

If the validity of the option transaction request information is not authenticated (7735b), the server generates and transmits a web page including predetermined option transaction request information registration error information to the terminal (7740b), and the option transaction request Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the option transaction request information is authenticated (7735b), the server performs an information registration procedure corresponding to the option transaction request information, and the customer information and option product selection information included in the option transaction request information and The option transaction request amount information is cooperatively processed and stored in the predetermined option operation DB 7530 (7745b).

According to an embodiment of the present invention, the option operation DB 7730 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 7730 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 7730 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined option transaction request information registration history information and transmits the generated web page to the terminal (7750b), thereby completing the registration of the option transaction request information transmitted from the terminal.

78 is a diagram showing the option transaction system configuration of the post-approval method using the point exchange amount according to an embodiment of the present invention.

More specifically, FIG. 78 illustrates a system configuration for investing a point exchange amount, which is exchanged from at least one or more customer points and deposited in a predetermined virtual account through a point exchange system shown in FIG. 71, in a predetermined option product. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 78 to infer various implementation methods for the option trading system using the point exchange amount. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 78 so that the information registration system shown in FIGS. 73 and / or 75 is omitted (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 71 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 71, it is possible to infer an implementation method of investing a point exchange amount exchanged from at least one customer point and deposited in a predetermined virtual account in a predetermined option product. It includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. Should you.

The option trading system using the point exchange amount according to the embodiment of the present invention, an option operation DB (7845) for storing the option transaction request information including at least one of the customer information, option product selection information and option transaction request amount information. And, through the option transaction request information stored in the option operation DB (7845) through the point exchange system shown in Figure 71 is exchanged from at least one or more customer points and a predetermined point exchange amount deposited in a predetermined virtual account Option trading server 7800 for investing in options products, and the financial system is provided with a virtual account in which the point exchange amount is deposited.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 78, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system corresponds to a virtual account in which a predetermined point exchange amount is exchanged from the customer point through the point exchange system shown in FIG. 71, and corresponds to a mother account of the virtual account. An option trading account is provided.

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

Referring to FIG. 78, an option trading server 7800 that provides an option trading service using the point exchange amount may include an option checking unit 7840 that identifies at least one or more trading options, and the identified trading options. An amount confirmation unit 7835 for checking an option transaction amount for a product and an option transaction amount corresponding to the parent account of the virtual account in association with the financial system to correspond to the target option product through the option transaction amount It is characterized by comprising an option transaction processing unit 7830 for trading at least one contract.

When the option transaction is made for each customer according to an embodiment of the present invention, the option checking unit 7840 checks at least one option product selection information associated with predetermined customer information from the option operation DB 7845. The amount confirmation unit 7835 checks the option transaction request amount associated with predetermined customer information from the option operation DB 7845, and then confirms the transaction target by the option confirmation unit 7840. Based on the transaction amount per one contract of the option product, it is characterized in that the option transaction amount of the option transaction to trade the identified options of the transaction options of the option transaction.

For example, if the transaction amount per one contract of the checked option product to be traded is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the amount confirmation unit 7835 is confirmed to be 20,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

When the option transaction is made by integrating a plurality of customers according to another embodiment of the present invention, the option check unit 7840 is at least one or more option products associated with at least two or more customer information from the option operation DB (7845) And counting the selection information to confirm the option product selection information selected by more customers, and identifying at least one or more option products corresponding to the identified option product selection information as a transaction target option product, wherein the amount checking unit The 7835 may add the option transaction request amount information associated with at least one option product selection information included in the option operation DB 7845 to identify the transaction target option product, and by the option confirmation unit 7840. The sum of the option transaction request sums based on the transaction amount per one contract of the identified target option product It characterized in that for confirming the option transaction amount to trade the identified transaction target option product.

For example, if the transaction amount per one contract of the checked option product to be traded is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the amount confirmation unit 7835 is confirmed as 250,000. For example, the remaining balance of 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the option confirmation unit 7840 checks at least one or more options for trading options according to the policy of the option transaction service provider. According to the policy of the option transaction service provider, the amount confirming unit 7835 may be provided to the option confirming unit 7840 of at least one or more point exchange amounts exchanged through the point exchange system shown in FIG. It is characterized in that for checking the option transaction amount to trade the identified transaction target option product on the basis of the transaction amount per one contract of the transaction target option product.

The option transaction processing unit 7830 may check the at least one through the identified option transaction amount based on the option transaction account corresponding to the mother account of the virtual account on the point exchange system shown in FIG. 71 in connection with the financial system. It is characterized in that for trading at least one or more contracts corresponding to the transaction option product.

Those skilled in the art to which the present invention pertains, the option transaction processing unit 7830 is based on the technical features of trading the contract corresponding to the at least one or more options trading products identified as the option transaction amount Since it will be understood, detailed description thereof will be omitted for convenience.

In addition, the option transaction processing unit 7830 trades the at least one identified transaction target option product based on the identified option transaction amount, and then generates a predetermined option transaction history corresponding to the option transaction. It may be stored in the account ledger corresponding to the option trading account, or by generating the option transaction history for each customer corresponding to the option trading account and stored in the virtual account ledger corresponding to the virtual account using the option trading account as a parent account. .

Referring to FIG. 78, the option transaction server 7800 that provides an option transaction service using the point exchange amount may check expiration of at least one transaction target option product traded by the option transaction processing unit 7830. An option expiration confirmation unit 7825, an option revenue confirmation unit 7820 that confirms a return corresponding to the option transaction on the option expiration date, and a predetermined option return is generated when the predetermined option return occurs. And a settlement processing unit 7815 for calculating the corresponding option revenue for each customer, and a settlement processing unit 7810 for calculating the option revenue in response to the option transaction amount.

The option expiration confirming unit 7825 checks whether the expiration date for the option-targeted option product has arrived by comparing the expiration date of the at least one option product traded by the option transaction processing unit 7830 with the current date and time. It is characterized by.

When the expiration date for the option product to be traded arrives as a result of the confirmation by the option expiration check unit 7825, the option income checking unit 7820 checks whether a predetermined profit for the contract corresponding to the option product to be traded has occurred. Characterized in that.

When it is confirmed that the predetermined profit for the contract corresponding to the trading option product is generated, the profit calculation unit 7815 may determine the profit for each customer based on the option transaction history for each customer. It is characterized by calculating the option proceeds.

When the option revenue for each customer is calculated by the revenue calculation unit 7815, the settlement processing unit 7810 setstles the option revenue to a virtual account (or a financial account of the customer's name) shown in FIG. 71. It is characterized by processing.

Referring to FIG. 78, the option trading server 7800 that provides an option transaction service using the point exchange amount is made by the option transaction processing unit 7830 for a transaction corresponding to at least one option product, or Alternatively, the expiration date of the option product to be traded is confirmed by the option expiration check unit 7825, or the option revenue check unit 7820 generates an option return to a predetermined customer, or the profit calculation unit When a predetermined option profit is calculated for the customer having generated the option revenue by the 7815 or the option proceeds are settled to the customer by the settlement processing unit 7810, each option is linked with a predetermined communication server. An option transaction information providing unit 7805 for providing the customer with at least one option transaction information corresponding to a transaction step; It characterized by comprising.

According to an embodiment of the present invention, the communication server may send a mail server 7850 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 7855 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (7860) for providing information providing ARS service for providing one or more options trading information.

79 is a diagram illustrating an option transaction process of a post approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 79 illustrates a process of investing in an option product a point exchange amount exchanged from at least one or more customer points and deposited in a predetermined virtual account through the point exchange system shown in FIG. Those skilled in the art will be able to infer various implementation methods for the option trading process using the point exchange amount by referring to and / or modifying the drawing 79, but the present invention infers the above. It is made including all the implementation method that is, the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 79 to omit the information registration system shown in FIGS. 73 and / or 75 (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 71 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 71, it is possible to infer an implementation method of investing a point exchange amount exchanged from at least one customer point and deposited in a predetermined virtual account in a predetermined option product. Including all implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. Should you.

In FIG. 79, the option trading server 7800 on the option trading system shown in FIG. 78 is referred to as " server " for convenience.

Referring to FIG. 79, the server on the option transaction system shown in FIG. 78 converts from at least one or more customer points through the point exchange system shown in FIG. 71 to deposit a point exchange amount deposited in a predetermined virtual account. In order to invest in the option product, at least one or more trading options are identified (7900), and the option transaction amount for the at least one or more trading options is identified (7905).

According to an embodiment of the present invention, when the option transaction is performed for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 7845, and After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 7845, the confirmation of the option transaction request amount based on the confirmed transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, an option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 7845. It is preferable to check the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 7845. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option to trade the above-listed option product among the option transaction request amount. To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option transaction service provider, the server confirms the transaction based on the transaction amount per one contract of the checked option product among the at least one point exchange amount exchanged through the point exchange system shown in FIG. 71. It is desirable to check the amount of option trading to trade the option product.

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction initiation, and provides the option transaction information to the customer through a predetermined communication server (7910).

According to an embodiment of the present invention, the communication server may send a mail server 7850 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 7855 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (7860) for providing information providing ARS service for providing one or more options trading information.

Thereafter, the server is connected to the financial system based on the option transaction amount corresponding to the parent account of the virtual account on the point exchange system shown in FIG. At least one contract corresponding to the option product is traded (7915).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (7920), the server generates a predetermined option transaction history corresponding to the option transaction and store it in the account ledger corresponding to the option transaction account, or for each customer corresponding to the option transaction The option transaction details are generated and stored in the virtual account ledger corresponding to the virtual account having the option transaction account as the parent account (7925).

80 is a diagram illustrating an option transaction process of a post-approval method using a point exchange amount according to another embodiment of the present invention.

More specifically, FIG. 80 illustrates a process of investing a point exchange amount in a predetermined option product, which is exchanged from at least one or more customer points through a point exchange system shown in FIG. 71 and deposited in a predetermined virtual account. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 80 to infer various implementation methods for the option trading process using the point exchange amount. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 80 to omit the information registration system shown in FIGS. 73 and / or 75 (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 71 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 71, it is possible to infer an implementation method of investing a point exchange amount exchanged from at least one customer point and deposited in a predetermined virtual account in a predetermined option product. Including all implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. Should you.

In the following figure 80, the option transaction server 7800 on the option transaction system shown in FIG. 78 is referred to as " server " for convenience.

Referring to FIG. 80, the server on the option trading system shown in FIG. 78 converts from at least one or more customer points through the point exchange system shown in FIG. 71 to deposit a point exchange amount deposited in a predetermined virtual account. In order to invest in the option product, at least one or more trading options are identified (8000), and the option transaction amount for the at least one or more trading options is identified (8005).

According to an embodiment of the present invention, when the option transaction is performed for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 7845, and After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 7845, the confirmation of the option transaction request amount based on the confirmed transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 7845. It is preferable to check the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 7845. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option to trade the above-listed option product among the option transaction request amount. To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably checks at least one or more option items for trading according to the policy of the option transaction service provider. The server may be configured based on a transaction amount per one contract of the checked option product of the at least one point exchange value exchanged through the point exchange system shown in FIG. 71 according to the policy of the option transaction service provider. It is desirable to identify the amount of option trading to trade the identified option product.

Thereafter, the server is connected to the financial system based on the option transaction amount corresponding to the parent account of the virtual account on the point exchange system shown in FIG. At least one contract corresponding to the option product is traded (8010).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (8015), the server generates a predetermined option transaction history corresponding to the option transaction and stores it in the account ledger corresponding to the option transaction account, or for each customer corresponding to the option transaction. The option transaction details are generated and stored in the virtual account ledger corresponding to the virtual account having the option transaction account as the parent account (8020).

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction processing, and provides the predetermined transaction information to the customer through a predetermined communication server (8025).

According to an embodiment of the present invention, the communication server may send a mail server 7850 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 7855 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (7860) for providing information providing ARS service for providing one or more options trading information.

81 is a diagram illustrating a settlement process of an option revenue of a post-approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 81 illustrates a process of investing in an option product a point exchange amount exchanged from at least one customer point and deposited in a predetermined virtual account through the point exchange system shown in FIG. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 81 to infer various implementation methods for the settlement of option proceeds using the point exchange amount, but the present invention. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the drawing 81, the option trading server 7800 on the option trading system shown in Fig. 56 is referred to as " server " for convenience.

Referring to Fig. 81, after the server on the option trading system shown in Fig. 56 performs the option trading process shown in Figs. 79 and / or 80, it is based on the option transaction details provided on the financial system. By comparing the expiration date and at least the current date and time for the at least one trading option product traded through the option trading process shown in Figure 79 and / or 80, it is confirmed whether the expiration date for the trading option product has arrived ( 8100).

If the expiration date for the target option product has arrived (8105), the server checks whether a predetermined profit has been generated for the contract corresponding to the target option product (8110).

If a predetermined profit does not occur for the contract corresponding to the trading option product, or if a loss date for the contract corresponding to the option product occurs (8115), the server does not generate the option profit (or The option transaction information corresponding to the loss is generated and provided to the customer through the predetermined communication server (8120).

According to an embodiment of the present invention, the communication server may send a mail server 7850 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 7855 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (7860) for providing information providing ARS service for providing one or more options trading information.

On the other hand, if it is confirmed that a predetermined profit has been generated for the contract corresponding to the transaction option product, the server is configured to at least one option transaction for each customer based on at least one option transaction history for each customer included in the financial system. The corresponding at least one customer-specific option proceed is calculated (8125).

If the option revenue for each customer is calculated (8130), the server processes the option proceeds to a virtual account (or a financial account of the customer's name) shown in Figure 71 (8135), the option proceeds The predetermined option transaction information corresponding to the settlement process is generated and provided to the customer through the predetermined communication server (8140).

According to an embodiment of the present invention, the communication server may send a mail server 7850 for providing at least one option transaction information corresponding to each option transaction step to the mail account of the customer, or the customer. A wireless server 7855 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired or wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (7860) for providing information providing ARS service for providing one or more options trading information.

82 is a diagram illustrating a point exchange system configuration of a post-approval method for option investment using customer points according to another embodiment of the present invention.

In more detail, in the drawing 82, when points earned to the customer by agreeing to a predetermined condition are automatically invested in the corresponding customer points in an option when the points earned to the customer are larger than a certain size, the customer's post-approval option is obtained by acquiring post-approval of the customer A system configuration for converting the points into an amount (or physical currency or cash) to invest in at least one option for investment, specifically an option investment amount through post-approval of at least one or more points accumulated to the customer And the amount of money exchanged from the customer point is deposited in a predetermined option trading account for processing at least one or more option trading.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 82 to infer various implementation methods for constructing a point exchange system for option investment using the customer point. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

For example, the post approval process for option investment using the customer point,

According to an embodiment of the present invention, a point exchange system for option investment using the customer points may include at least one point server for accumulating a predetermined point for option investment to a predetermined customer, at least one point server and A point exchange server 4700 that exchanges points accumulated in the customer with an option investment amount and obtains customer approval for the customer point exchange, and a point operating account corresponding to at least one or more point servers and the option transaction service. And a financial system in which the option trading account of the provider is opened.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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

In addition, the financial system is characterized in that 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 A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 82, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system is the point trading account and the option transaction of the point server (or point provider) that provides a predetermined point to the customer in order to convert the customer point to the option investment amount Characterized in that the option trading account of the service provider is provided.

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

The point server is a predetermined point (e.g., a point capable of converting to real currency or cash) at which at least one bank, card company, insurance company, or securities company is affiliated with (or associated with, a holding relationship) to make the option investment. A server that operates a point DB (not shown) that accumulates to the customer, or at least one or more point earning institutions (or companies) affiliated with the financial institution (eg, a telecommunication company, an airline company, a travel agency, an internet shopping mall, an offline store) Or a department store, etc.) and a server for operating a point DB (not shown) for accumulating the customer to a predetermined point (for example, a point that can be exchanged for real money or cash). It is done.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the point server earning a predetermined point that can be invested in the option to the customer, detailed description thereof will be omitted for convenience.

Referring to FIG. 82, the point exchange server 4700 for converting the customer points into a predetermined option investment amount may identify a point for confirming at least one customer point accumulated in the customer in connection with at least one point server. A portion 4725, a currency exchange amount calculator 4720 that calculates at least one point exchange amount to be exchanged from the confirmed customer points, and the point exchange calculated from at least one point operating account in connection with the financial system Point exchange part 4710 which treats an amount as an option investment amount of the customer and deposits (or transfers) a predetermined option transaction account, and deposits (or transfers) the calculated at least one point exchange amount to the option transaction account. Point exchange information including the details of a predetermined storage medium in connection with the customer information ( And a customer approval processing unit 4715 for acquiring customer approval for the option investment of the exchanged customer points and / or the exchanged amount. It is characterized by.

The point checking unit 4725 extracts (or confirms) at least one or more pieces of customer information for converting a predetermined customer point into a predetermined investment amount from a predetermined customer information DB or a customer ledger provided in the financial system. Also, a point server provided in at least one bank, card company, insurance company, or securities company affiliated with the financial institution, or at least one point earning institution (or company) affiliated with the financial institution (eg, a telecommunication company, an airline company). , A travel agency, an internet shopping mall, an offline store (or a department store), and the like, characterized in that the point server is provided.

Thereafter, the point verification unit 4725 receives the at least one or more customer points accumulated to the customer at each pointer server by providing the customer information to the at least one or more point servers identified through a predetermined communication means. It is characterized by.

According to another exemplary embodiment of the present invention, when the predetermined point DB that is operated / managed by at least one point server is shared with the point exchange server 4700, the point checking unit 4725 operates / manages the point server. At least one customer point corresponding to the customer information is extracted from at least one or more point DB.

When at least one or more customer points accumulated in the at least one point server to the customer are confirmed by the point checking unit 4725, the currency exchange amount calculator 4720 is provided between the customer point and the real currency (or cash). At least one point exchange amount corresponding to at least one customer point is calculated according to the defined exchange rate.

For example, if the exchange rate defined between the customer point and the real currency (or cash) is 100: 1, the customer point 100,000 is calculated as the point exchange amount of 1,000 won (or cash).

When the point exchange amount for at least one customer point is calculated by the exchange amount calculator 4720, the point exchange unit 4710 may be connected to the financial system for at least one or more points corresponding to at least one point server. Withdraw the point exchange amount calculated by the exchange amount calculator 4720 from the operating account, and process the withdrawn point exchange amount as the option investment amount of the customer and deposit it into the option transaction account of the option transaction service provider ( Or transfer).

According to an embodiment of the present invention, after depositing (or transferring) the calculated at least one point exchange amount into the option transaction account, the point exchange part 4710 deposits (or transfers) the point exchange amount. It is preferable to provide the point exchange information including the details to each point server, so that the points server has accumulated the points accumulated to the customer.

When the at least one point exchange amount calculated by the point exchange unit 4710 is deposited (or transferred) into the option transaction account, the information storage unit 4705 may calculate the at least one point exchange amount calculated. It is characterized in that to generate the point exchange information including the details of the deposit (or transfer) to the option transaction account by processing as the option investment amount of the customer and stores in a predetermined storage medium (4730).

The customer approval processing unit 4715 is before (or after confirming) the point confirmation unit 4725 confirms a predetermined customer point, or the currency exchange amount calculator 4720 calculates a point exchange amount for the customer point. Before (or after calculating), or before the point exchange unit 4710 converts the customer points into the point exchange amount and deposits (or transfers) the virtual account (or after depositing (or transferring)). Or exchange the customer point in connection with at least one communication server at least one or more time points before or after investing (or investing) the exchanged amount in at least one or more option products in a predetermined option transaction server 7800. And / or obtaining customer approval for the option investment of the exchanged amount.

According to an embodiment of the present invention, the communication server mail server (4735) for sending a customer approval request mail requesting the customer approval for the exchange of the customer points and / or option investment of the exchanged amount to the customer's mail account Or a wireless server 4740 for sending a customer approval request message for requesting customer approval for the exchange of the customer points and / or the option investment of the exchanged amount to the customer's wireless terminal, or the wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server for providing customer approval request ARS service requesting customer approval for exchange of customer points and / or option investment of the exchanged amount. If you approve the exchange of points and / or the option investment of the exchanged amount, you will be provided to the customer through the communication server. With a predetermined client authorization information corresponding to the mail / message / responder it is preferably received by the client approval processing unit (4715).

83 is a diagram illustrating a point exchange process for option investment of a post approval method using customer points according to another embodiment of the present invention.

In more detail, Figure 83 shows the option of the customer point by obtaining the customer's post-approval when the customer points are automatically invested in the option when the points earned to the customer are over a certain size by agreeing to a predetermined condition. A method of converting the points into an amount (or real currency or cash) to be invested in at least one or more options for investment and depositing (or transferring) the options into a trading account, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 83 to infer various implementation methods for constructing a point exchange system for option investment using the customer points, but the present invention provides all the implementation methods inferred. It is made, including, and the technical features are not limited only to the embodiment shown in FIG. You are good.

For example, referring to the implementation method shown in FIG. 83, the step of obtaining a customer approval for the exchange of the customer points and / or the option investment of the exchanged amount is the exchange of predetermined points into the option trading account of the option trading service provider. While illustrated and described as being included before an amount is deposited (or transferred), the invention is in no way limited thereto, and the step of obtaining customer approval for the exchange of customer points and / or option investments of the exchanged amount is Before the server confirms (or after confirming) a predetermined customer point, or before the server calculates (or calculates) a point exchange amount for the customer point, or the server recalls the customer point. Before converting (or depositing) or depositing (or transferring) the option transaction account by converting it into a point exchange amount, or a predetermined amount Option on the transaction server 7800, and may be included where mubang of the former to invest the money exchange in one or more optional items (after or IR), to which the present invention is not limited.

In the following FIG. 83, the point exchange server 4700 on the point exchange system shown in FIG. 82 is referred to as " server " for convenience.

Referring to FIG. 83, the server shown on the point exchange system shown in FIG. 82 converts a predetermined customer point into a predetermined option investment amount from a predetermined customer information DB or a customer ledger provided in the financial system. Identify one or more customer information and also have a point server in at least one bank, card company, insurance company, securities company affiliated with the financial institution, or at least one point earning institution (or company) affiliated with the financial institution (e.g., Check the point server provided in the telecommunication company, the airline company, the travel agency, the Internet shopping mall, the offline store (or the department store, etc.) (8300).

Thereafter, the server provides the customer information to each point server corresponding to the identified at least one point server information through a predetermined communication means, thereby at least one or more customer points accumulated from each pointer server to the customer. Check (8305).

According to another exemplary embodiment of the present invention, when a predetermined point DB managed / managed by at least one point server is shared with the point exchange server 4700, the server operates at least one point operated / managed by the point server. It is possible to extract at least one or more customer points corresponding to the customer information from the DB, whereby the present invention is not limited.

If at least one or more customer points earned to the customer are identified from at least one or more point servers (8310), the server determines a predetermined exchange rate defined between the at least one or more customer points identified and the real currency (or cash). In operation 8315, at least one or more point exchange amounts corresponding to at least one or more customer points are calculated.

For example, if the exchange rate defined between the customer point and the real money (or cash) is 100: 1, the server calculates 100,000 customer points as the point exchange amount of 1,000 won (or cash).

If each point exchange amount for at least one customer point is calculated (8320), the server may convert the customer point request information to obtain customer approval for the customer point exchange and / or the option investment of the exchanged amount. Generate (8325), transmit the generated customer approval request information to the customer through a predetermined communication server, request predetermined customer approval information corresponding thereto, and confirm whether the requested customer approval information is received from the customer (8330).

According to an embodiment of the present invention, the communication server mail server (4735) for sending a customer approval request mail requesting the customer approval for the exchange of the customer points and / or option investment of the exchanged amount to the customer's mail account Or a wireless server 4740 for sending a customer approval request message for requesting customer approval for the exchange of the customer points and / or the option investment of the exchanged amount to the customer's wireless terminal, or the wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server for providing customer approval request ARS service requesting customer approval for exchange of customer points and / or option investment of the exchanged amount. If you approve the exchange of points and / or the option investment of the exchanged amount, you will be provided to the customer through the communication server. A it is preferred that the predetermined client authorization information corresponding to the mail / message / responder is received by the server.

If the customer approval information is received (8335), the server withdraws the calculated point exchange amount from at least one or more point operating accounts corresponding to at least one or more point servers in connection with the financial system, the withdrawn points The exchange amount is treated as the deposit amount of the option transaction of the customer and deposited (or transferred) into the opened option transaction account (8340), and the point exchange amount is converted into the option transaction deposit amount of the customer in connection with the financial system. The point exchange information including the transaction history which is processed and deposited (or transferred) to the option transaction account is stored in the option transaction ledger (8345).

In addition, by providing the point exchange information to each point server through the communication means (8350), it is preferable to process the points accumulated by the point server to the customer as exhausted.

84 is a diagram illustrating a face-to-face information registration system for an option transaction of a post-approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 84 shows that at least a predetermined number of customer information, option product selection information, and option transaction request amount information are provided by a predetermined customer for an option transaction using a point exchange amount according to the present invention through an information registration interface. When providing the option transaction request information including one or more, the information registration system associates and processes the customer information, option product selection information, and option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB ( 8430), a person having ordinary skill in the art to which the present invention pertains refers to the configuration of an information registration system for option trading using a point exchange amount by referring to and / or modifying the drawing 84. It will be possible to infer various implementation methods for the present invention, but the present invention It includes an implementation method and is not limited to the implementation method shown in FIG.

For example, when the option transaction service provider automatically selects at least one or more option products for which the point exchange amount exchanged through the point exchange system shown in FIG. 82 is to be invested. It may be omitted, thereby the invention is not limited.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer in the option operation DB 8230 on the information registration system shown in FIG. 84 is provided. The corresponding component is called " information registration server 8400 " for convenience.

Referring to FIG. 84 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes an information registration terminal including a teller terminal provided in at least one financial institution branch. 8435), and the information registration terminal 8235 is connected to the information registration server 8400 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for an option transaction using the point exchange amount according to the present invention, and through a window (or through a teller) provided at the financial institution branch. Complete a prescribed application for option trading using the point exchange amount (e.g., a document with a form for filling in at least one item of information for option trading using the point exchange amount), and send the completed application to the counter staff. Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal transmits the input (or selected) information to the information registration system via the financial network. It is preferable to transmit to the information registration server 8400 provided in.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 8400 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 8400 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 8400. Do.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 8400 are the points according to the present invention. Performs the function of the information registration interface for registering the option transaction request information for the option transaction using the exchange amount.

The option operation DB 8230 provided on the information registration system according to the present invention includes the customer information, the option product selection information, and the option transaction request amount included in the option transaction request information provided from the information registration terminal 8235. And storing the information in a predetermined option operation DB 8230, and including at least one of the customer information, the option product selection information, and the option transaction request value information stored in the option operation DB 8230. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address) of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. 82. Address, etc.) and member information of the customer (e.g., in a customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The option product selection information is information for selecting at least one option product for which a customer corresponding to the customer information to invest the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

The option transaction request amount information preferably includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amount exchanged through the point exchange system shown in FIG.

According to another exemplary embodiment of the present invention, at least one or more option products (or an option automatically selected by the option transaction service provider) whose point exchange amount exchanged through the point exchange system shown in FIG. 82 corresponds to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to an embodiment of the present invention, the option operation DB 8230 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 8230 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 8230 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 8400 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 8235 through a predetermined financial network, 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 an embodiment of the present invention, when the information registration terminal 8535 is a window terminal connected to a predetermined financial network, the information registration server 8400 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the information registration server 8400 is provided with an interface unit 8405 for connecting and managing a predetermined communication channel with the information registration terminal 8235 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 8835 is a window terminal connected to a predetermined financial network, the interface unit 8405 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable 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 financial transaction related program provided in the window terminal.

Referring to FIG. 84, the information registration server 8400 has a predetermined information registration terminal 8235 and connects the communication channel with the information registration server 8400 through the interface unit 8405, and then the interface unit ( 8405, which generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined option transaction request information from the information registration terminal 8435 and providing the information registration terminal 8435 to the information registration terminal 8435. An information receiving unit for receiving a predetermined option transaction request information that is input (or selected) and transmitted from the information registration terminal 8435 through the user interface in association with an interface providing unit 8810 and the interface unit 8405 ( 8415), a validity confirming unit 8820 for validating the received option transaction request information, and the customer information and options included in the validated option transaction request information. And an information storage unit 8825 which stores the product selection information and the option transaction request amount information in a predetermined option operation DB 8230 and stores the information.

The interface providing unit 8410 has a predetermined information registration terminal 8235 connected to the information registration server 8400 through the interface unit 8405 and then provided to the information registration terminal 8235. Corresponding to the functional configuration, create a predetermined user interface that can input (or select) the option transaction request information and transmit it to the information registration server 8400 through the financial network, and / or a predetermined database (not shown). And the user interface generated (or extracted) in cooperation with the interface unit 8405 to the information registration terminal 8235 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal 8835 and transmitting the information to the information registration server 8400 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 8810 which provides the user interface to the information registration terminal 8835 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 8835 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the information. (Or selected) option transaction request information is transmitted to the information registration server 8400 through the financial network.

According to an exemplary embodiment of the present invention, when the information registration terminal 8635 is a window terminal connected to a predetermined financial network, the interface providing unit 8810 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 8405.

The information receiving unit 8815 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information through the user interface at the information registration terminal 8835. When the data is transmitted through the financial network, the option transaction request information is received in connection with the interface unit 8405, and the received option transaction request information is provided to the validity confirming unit 8420.

The validity confirming unit 8220 may check whether the option transaction request information received from the information registration terminal 8835 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity checking unit 8820 may include checking whether the customer information included in the option transaction request information matches a customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

When the validity of the option transaction request information is confirmed, the information storage unit 8825 associates the customer information, the option product selection information, and the option transaction request amount information included in the option transaction request information with the option operation DB ( 8430, and the information storage unit when the option operation DB 8230 is provided in the information registration server 8400 or on the network associated with the information registration server 8400. 8425 is preferably linked to the customer information included in the received option transaction request information, option product selection information, and option transaction request amount information to be stored in the option operation DB 8230, and the option operation DB ( When 8430 is provided in the DBMS provided on the financial system, the information storage unit 8825 may include the customer information, the option product selection information, and the option transaction included in the received option transaction request information. The blue value information through an FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

85 is a diagram illustrating a process of registering option transaction request information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 85 shows a case where the information registration server 8400 on the information registration system shown in FIG. 84 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network. And the counter terminal connects to the information registration server 8400 to connect a communication channel for information registration according to the present invention, and then the customer information and the optional product to the information registration server 8400 through the communication channel. When the option transaction request information including selection information and option transaction request amount information is transmitted, the customer information, option product selection information, and option transaction request amount included in the received option transaction request information are transmitted from the information registration server 8400. The present invention relates to an implementation method of linking and storing information in a predetermined option operation DB 8230, and has a general knowledge in the technical field to which the present invention pertains. However, various implementation methods for registering the option transaction request information with the information registration server 8400 at the counter terminal can be inferred by referring to and / or modifying the drawing 85. However, the present invention provides all the inferred implementations. Method, and is not limited to the embodiment shown in FIG.

Hereinafter, in Fig. 85, the window terminal shown in Fig. 84 is called " terminal " for convenience, and the information registration server 8400 shown in Fig. 84 is referred to as " server " for convenience, and the information registration in the window terminal is made. The customer information, the option product selection information, and the option transaction request value information transmitted to the server 8400 are referred to as "option transaction request information" for convenience.

Referring to FIG. 85, the window terminal shown in FIG. 84 accesses the server through a predetermined financial network, connects a predetermined communication channel for registering the option transaction request information, and uses the point exchange amount. When requesting registration of the option transaction request information for a transaction (8500), the server generates (or extracts) a predetermined information registration interface for registering the option transaction request information (8505), and transmits the information through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (8510).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (8515).

If the terminal receives (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (8520), the terminal transmits through the financial network. The option transaction request information including the input (or selected) customer information, option product selection information, and option transaction request amount information is transmitted to the server (8525).

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the financial network to confirm the validity of the option transaction request information (8530).

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

For example, the validity checking unit 8820 may include checking whether the customer information included in the option transaction request information matches a customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

If the validity of the option transaction request information is not authenticated (8535), the server generates predetermined information registration error information and transmits it to the terminal (8540), and performs an information registration procedure corresponding to the option transaction request information. Do not perform.

On the other hand, if the validity of the option transaction request information is authenticated (8535), the server performs an information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information The process then stores the data in a predetermined option operation DB 8230 (8545).

According to an embodiment of the present invention, the option operation DB 8230 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option The operation DB 8230 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the option operation DB 8230 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (8550), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

86 is a diagram illustrating a non-face-to-face information registration system for an option transaction of a post-approval method using a point exchange amount according to another embodiment of the present invention.

In more detail, Figure 86 shows at least a portion of customer information, option product selection information, and option transaction request amount information for an option transaction using a point exchange amount according to the present invention to an information registration system through a predetermined information registration interface. When providing the option transaction request information including one or more, the information registration system links the customer information, option product selection information and option transaction request amount information included in the provided option transaction request information to a predetermined option operation DB ( 8630), a person having ordinary skill in the art to which the present invention pertains refers to the configuration of an information registration system for option trading using a point exchange amount by referring to and / or modifying the drawing of FIG. It will be possible to infer various implementation methods for the present invention, but the present invention Including exemplary method, and shall not be limited to the exemplary method shown in the figure 86.

For example, in the non-face-to-face information registration system shown in FIG. 86, the option trading service provider automatically selects at least one or more option products to which the point exchange amount exchanged through the point exchange system shown in FIG. In this case, the present invention is not limited thereto.

Hereinafter, at least one means and / or functional configuration for storing the option transaction request information provided from the customer through the predetermined information registration interface on the information registration system shown in FIG. 86 in the option operation DB 8630. The corresponding component is called " information registration server 8600 " for convenience.

Referring to FIG. 86 according to an embodiment of the present invention, an information registration system for option trading using a point exchange amount according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal (8635) including at least one or more. The information registration terminal (8635) is provided with an information registration server (8600) provided on the information registration system through a predetermined network means. And communication channel are connected.

According to one embodiment of the present invention, the customer accesses the information registration server 8600 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When inputting (or selecting) option transaction request information for an option transaction using a point exchange amount according to the present invention through at least one or more user interfaces provided by the information registration server 8600, a predetermined network means is provided by the client terminal. It is preferable to transmit to the information registration server (8600) provided on the information registration system through.

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

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 information registration server (8600) connected to the client terminal is any one of an Internet banking server and / or a wireless banking server and / or a tele banking server and / or TV banking server according to the characteristics of the client terminal and the network means. Or, and / or comprises a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the information registration server (8600) is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 8600, inputs and / or selects at least one or more information through the user interface, and transmits the information to the information registration server 8600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 8600) is provided.

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

In the above information registration system, the client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server (8600) and And / or the wireless network functions as an information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal (8635), in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above information registration system, if the information registration terminal (8635) is the financial automated device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the information registration server. The financial network connecting 8600 performs a function of an information registration interface for registering the option transaction request information for the option transaction by the customer using the point exchange amount according to the present invention, and / or the information registration terminal ( If 8635 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 8800 may be used by the customer. Perform a function of an information registration interface for registering option transaction request information for an option transaction using a point exchange amount according to the present invention, and / or registering the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a terminal 8635, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the network connecting the information registration server 8600 performs a function of an information registration interface for the customer to register the option transaction request information for the option transaction using the point exchange amount according to the present invention.

The option operation DB (8630) provided on the information registration system according to the present invention is the customer information, option product selection information and option transaction request amount included in the option transaction request information provided from the information registration terminal (8635) And storing the information in a predetermined option operation DB 8630 by linking the information, and including at least one of the customer information, the option product selection information, and the option transaction request value information stored in the option operation DB 8630. The option transaction request information is used for option transactions using the point exchange amount according to the present invention.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address) of the customer who converted at least one or more customer points into the point exchange amount through the point exchange system shown in FIG. 82. Address, etc.) and member information of the customer (e.g., in a customer ledger provided on the financial system associated with the information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The option product selection information is information for selecting at least one option product for which a customer corresponding to the customer information to invest the point exchange amount exchanged through the point exchange system shown in FIG. It is preferable that the identification information for at least one or more trading options that can be operated and / or traded.

According to another exemplary embodiment of the present invention, when the option transaction service provider automatically selects the target option product, the option product selection information may be omitted, and the present invention is not limited thereto.

The option transaction request amount information preferably includes an amount of money for the customer corresponding to the customer information to invest in the option product selection information among the point exchange amount exchanged through the point exchange system shown in FIG.

According to another exemplary embodiment of the present invention, at least one or more option products (or an option automatically selected by the option transaction service provider) whose point exchange amount exchanged through the point exchange system shown in FIG. 82 corresponds to the option product selection information. Commodities), the option transaction request amount information may be omitted, whereby the present invention is not limited.

According to one embodiment of the invention, the option operation DB (8630) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB (8630) may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 8630 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 8800 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 8635 through 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 an embodiment of the present invention, when the information registration terminal (8635) is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, the information registration server (8600) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal (8635) is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server (8600) is the wireless banking Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal (8635) is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server (8600) is the telebanking A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the information registration terminal (8635) is a wired terminal (or two-way digital TV) that can be connected to the TV banking server on a predetermined TV banking system, the information registration server (8600) is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 8600 comprises an interface unit 8605 for connecting and managing a predetermined communication channel with the information registration terminal 8635 via the network means. do.

If the information registration terminal (8635) is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network according to an embodiment of the present invention, the interface unit (8605) Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 8605 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 communication program (eg, an internet banking program) provided by the information registration server 8800, the interface unit 8605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal (8635) is a financial automatic device connected to a predetermined financial network, the interface unit (8605) is based on the protocol stack defined in the financial network the financial It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

If the information registration terminal (8635) is a client terminal including a wireless terminal connected to a predetermined wireless network according to another embodiment of the present invention, the interface unit (8605) is a protocol stack defined in the wireless network It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 8605 may communicate with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 8800, the interface unit 8605 may communicate with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

If the information registration terminal (8635) is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network according to another embodiment of the present invention, the interface unit (8605) is the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 8605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 8635 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 8605 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 86, the information registration server 8800 has a predetermined information registration terminal (8635) connects the communication channel with the information registration server (8600) through the interface unit (8605), the interface unit ( 8605 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined option transaction request information from the information registration terminal 8635 and providing the information registration terminal 8635 to the information registration terminal 8635. An information receiving unit for receiving a predetermined option transaction request information input (or selected) transmitted from the information registration terminal (8635) through the user interface in cooperation with the interface providing unit (8610) and the interface unit (8605) ( 8615) and the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information are stored in a predetermined option operation DB 8630. It is characterized by comprising an information storage unit (8625).

The interface providing unit 8610 is provided in the information registration terminal 8635 after a predetermined information registration terminal 8635 connects the communication channel with the information registration server 8800 through the interface unit 8605. Generate a predetermined user interface capable of inputting (or selecting) the option transaction request information corresponding to the configured functional configuration and transmitting it to the information registration server 8600 via the network means, and / or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the information registration terminal 8635 via the network means in association with the interface unit 8605.

Thereafter, the information registration terminal 8635 inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information based on the user interface, and inputs the information. (Or selected) option transaction request information is transmitted to the information registration server 8600 through the financial network.

If the information registration terminal (8635) is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network according to an embodiment of the present invention, the interface providing unit (8610) 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 8605 to the client terminal. It is preferable to provide.

According to another embodiment of the present invention, if the information registration terminal (8635) is a financial automation device connected to a predetermined financial network, the interface providing unit (8610) is a financial transaction-related program provided in the financial automation device It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 8605.

If the information registration terminal (8635) is a client terminal including a wireless terminal connected to a predetermined wireless network according to another embodiment of the present invention, the interface providing unit (8610) is a browser provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 8605.

According to another exemplary embodiment of the present invention, when the information registration terminal 8635 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 8610 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and generates the generated (or extracted) user interface (eg, ARS-based user interface) through the interface unit 8605 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 8635 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 8610 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 8605. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the option transaction request information to the information registration terminal (8635) and transmitting the information to the information registration server (8600) through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 8610 for providing the user interface to the information registration terminal 8635 may be omitted, and the present invention is not limited thereto.

The information receiving unit 8615 inputs (or selects) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information through the user interface at the information registration terminal 8635. When transmitting through the network means, the option transaction request information is received in connection with the interface unit 8605, and the received option transaction request information is provided to the validity confirming unit 8620.

The validity confirming unit 8620 may check whether the option transaction request information received from the information registration terminal 8635 satisfies the validity for the option transaction using the point exchange amount.

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

For example, the validity checking unit 8620 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

When the validity of the option transaction request information is confirmed, the information storage unit 8825 associates and processes the customer information included in the option transaction request information, the option product selection information, and the option transaction request amount information to the option operation DB ( And the option operation DB 8630 is provided in the information registration server 8600 or on the network associated with the information registration server 8800. In operation 8825, the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information are processed in association with the option information and stored in the option operation DB 8630. When the 8630 is provided in the DBMS provided on the financial system, the information storage unit 8625 may include the customer information, the option product selection information, and the option option included in the received option transaction request information. Providing a requested amount of money information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

87 is a diagram illustrating a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to one embodiment of the present invention.

More specifically, in FIG. 87, when the information registration server 8800 on the information registration system shown in FIG. 86 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server (8600) and connecting the communication channel for information registration according to the present invention, the customer registration information and option product selection information and the option transaction request to the information registration server (8600) through the communication channel When the option transaction request information including the price information is transmitted, the information registration server 8600 processes the customer information included in the received option transaction request information, the option product selection information, and the option transaction request amount information in a predetermined manner. As an implementation method of storing in the option operation DB (8630) of the present invention, those skilled in the art to which the present invention pertains. However, various implementation methods of registering the option transaction request information from the client terminal to the information registration server 8600 by referring to and / or modifying the drawing 87 may be inferred. It includes, and is not limited to the embodiment shown in Figure 87.

Hereinafter, in Fig. 87, the client terminal shown in Fig. 86 is referred to as " terminal " for convenience, and the information registration server 8600 shown in Fig. 86 is referred to as " server " for convenience, and the information is registered in the client terminal. The customer information, the option product selection information, and the option transaction request amount information transmitted to the server 8600 are referred to as "option transaction request information" for convenience.

Referring to FIG. 87, the client terminal shown in FIG. 86 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Communication via a communication network and / or an IEEE 802.16x-based portable Internet, etc.) to connect a predetermined communication channel for registering the option transaction request information and to connect the predetermined communication channel for the option transaction using the point exchange amount. When requesting registration of request information (8700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the option transaction request information (8705), and generates the information through the communication channel ( Alternatively, the extracted web page is transmitted to the terminal and output (8710).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information in the terminal. It is preferable to comprise.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one or more customer information, option product selection information, and option transaction request amount information through the information registration interface (8715).

If the terminal receives (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (8720), the terminal receives the communication channel. The input (or selected) customer information, option product selection information, and option transaction request amount information are transmitted to the server (8725).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer information, the option product selection information, and the option transaction request amount information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the selected option transaction request information to the server through electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the option product selection information, and the option transaction request amount information through the communication channel to confirm the validity of the option transaction request information (8730).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

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

For example, the validity checking unit 8620 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

If the validity of the option transaction request information is not authenticated (8735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (8740) and corresponds to the option transaction request information. Do not perform the information registration procedure.

On the other hand, if the validity of the option transaction request information is authenticated (8735), the server performs the information registration procedure corresponding to the option transaction request information, thereby linking the customer information, option product selection information and option transaction request amount information The process is stored in the predetermined option operation DB (8630) (8745).

According to one embodiment of the invention, the option operation DB (8630) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB (8630) may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 8630 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (8750), thereby completing the procedure of registering the option transaction request information transmitted from the terminal.

88A and 88B illustrate a process of registering option transaction request information in a non-face-to-face manner for an option transaction using a point exchange amount according to another embodiment of the present invention.

In more detail, FIGS. 88A and 88B show a case in which the information registration system illustrated in FIG. 86 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends predetermined option transaction request information for the option transaction using the point exchange amount to the Internet banking server. When the option transaction request information including information, option product selection information, and option transaction request amount information is transmitted, the customer information and option product selection information included in the received option transaction request information are received from the information registration server 8800. Implementation method of linking the option transaction request amount information and storing it in a predetermined option operation DB (8630) For those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawings 88a and 88b to register the option transaction request information from the client terminal to the information registration server 8600. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 88A and 88B.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation and / or Netscape Navigator Netscape Navigator, etc.) provided in the client terminal in FIGS. 88A and 88B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the option transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 88a and 88b, and then, between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Option trading Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 88a and 88b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering option transaction request information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. The present invention encompasses all types of non-face-to-face channel based financial transactions, including systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in FIG. 88B.

In the following Figures 88a and 88b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 8600 is referred to as " server " for convenience.

88A and 88B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (8800a), the server communicates between the terminal and the server through the browser. In this connection (8805a), the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (8810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (8815a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (8820a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (8825a), or if the terminal does not need to install and / or update the Internet banking security module (8815a), the server may By activating the security module for the Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (8830a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering option transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) and / or is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registering option transaction request information in the terminal. Attach a predetermined digital signature to information (or data) to be Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (8835a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (8840a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transactions based on the customer authentication data received from the terminal. (8845a).

If the Internet banking customer authentication fails (8850a), the server blocks the Internet banking security channel for the terminal (8855a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (8850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (8860a), where the Internet banking based The financial transaction channel refers to a communication channel that can register and transmit predetermined option transaction request information for option transactions using the point exchange amount from the terminal to the server.

Subsequently, when the terminal requests internet banking-based option transaction request information registration to the server through the inter-banking-based financial transaction channel to register option transaction request information (8800b), the server registers the option transaction request information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (8805b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (8810b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) option transaction request information including at least one of customer information, option product selection information, and option transaction request amount information in the terminal. And / or a predetermined password (e.g., an account password, etc.) and / or security to verify the validity of the internet banking customer requesting registration of the option transaction request information and / or the option transaction request information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution Interface to enter one OTP authenticator (or one-time password generated by OTP authenticator) The it may further include.

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

Thereafter, the terminal inputs (or selects) option transaction request information including at least one of the customer information, option product selection information, and option transaction request amount information through the information registration interface (8815b).

If the terminal receives (or selects) option transaction request information including the customer information, option product selection information, and option transaction request amount information through the information registration interface (8820b), the terminal establishes the financial transaction channel. The input (or selected) option transaction request information is transmitted to the server (8825b).

According to an embodiment of the present invention, transmitting the input (or selection) option transaction request information through the financial transaction channel to the server, the option transaction request information input (or selection) through the information registration interface It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the option transaction request information through the financial transaction channel to confirm the validity of the option transaction request information (8830b).

According to an embodiment of the present invention, checking the validity of the option transaction request information may include: when the option transaction request information is electronically signed and / or encrypted through a security module provided in the terminal, the option transaction request information. And decrypting the option trading request information.

In addition, the validity check of the option transaction request information, it is preferable to further comprise the authentication of the password and / or security code and / or OTP included in the option transaction request information.

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

For example, the validity checking unit 8620 includes checking whether the customer information included in the option transaction request information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. desirable.

In addition, the validity check of the option transaction request information, the customer point corresponding to the customer information included in the option transaction request information is converted into a predetermined point exchange amount through the point exchange system shown in FIG. It is preferable to include checking whether it is deposited in the option trading account.

If the validity of the option transaction request information is not authenticated (8835b), the server generates and transmits a web page including predetermined option transaction request information registration error information to the terminal (8840b), and the option transaction request Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the option transaction request information is authenticated (8835b), the server performs an information registration procedure corresponding to the option transaction request information, so that the customer information and option product selection information included in the option transaction request information and The option transaction request amount information is cooperatively processed and stored in the predetermined option operation DB 8630 (8845b).

According to one embodiment of the invention, the option operation DB (8630) is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the option Operation DB (8630) may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the option operation DB 8630 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined option transaction request information registration history information and transmits it to the terminal (8850b), thereby completing the registration of the option transaction request information transmitted from the terminal.

89 is a diagram showing the option transaction system configuration of the post-approval method using the point exchange amount according to another embodiment of the present invention.

In more detail, FIG. 89 illustrates a method of investing in a given option product a point exchange amount exchanged from at least one or more customer points through the point exchange system shown in FIG. 82 and deposited in an option trading account of the option trading service provider. As a system configuration, a person of ordinary skill in the art to which the present invention pertains can refer to this drawing 89 and / or modify it to infer various implementation methods for the option trading system using the point exchange amount. However, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 89 to omit the information registration system shown in FIGS. 84 and / or 86 (eg, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 82 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 82, it may be possible to infer a method of investing a point exchange amount of money exchanged from at least one customer point and deposited in an option trading account of the option trading service provider in a predetermined option product. The present invention includes all the implementation methods inferred from the above, and only the implementation method shown in FIG. The technical feature is not limited.

The option trading system using the point exchange amount according to the embodiment of the present invention, the option operation DB (8945) for storing the option transaction request information including at least one of the customer information, option product selection information and option transaction request amount information. And exchanged from at least one customer point through the point exchange system shown in FIG. 82 through the option transaction request information stored in the option operation DB 8945 and deposited in the option transaction account of the option transaction service provider. And an option transaction server 8900 for investing the point exchange amount in a predetermined option product, and a financial system having an option transaction account in which the point exchange amount is deposited.

The financial system is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (for example, party network), at least one through the teller terminal Provide face-to-face financial transaction service for the above financial transaction customers.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB 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 transaction customer through a terrestrial DMB terminal).

Referring to FIG. 89, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

In particular, the ledger D / B provided in the financial system is provided with an option transaction account in which a predetermined point exchange amount is exchanged from the customer point through the point exchange system shown in FIG. 82.

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

Referring to FIG. 89, the option trading server 8900 for providing an option trading service using the point exchange amount may include an option checking unit 8940 for checking at least one or more trading target option products, and the identified trading target option. An amount confirmation unit 8535 for confirming an option transaction amount for a product, and at least one contract corresponding to the target option product through the option transaction amount based on the option transaction account in connection with the financial system; It is characterized by comprising an option transaction processing unit 8930 to.

When the option transaction is made for each customer according to an embodiment of the present invention, the option checking unit 8940 checks at least one option product selection information associated with predetermined customer information from the option operation DB 8945. The amount confirmation unit 8535 checks the option transaction request amount associated with predetermined customer information from the option operation DB 8945 and then confirms the transaction target by the option confirmation unit 8940. Based on the transaction amount per one contract of the option product, it is characterized in that the option transaction amount of the option transaction to trade the identified options of the transaction options of the option transaction request.

For example, if the transaction amount per one contract of the checked option product is 10,000 won and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the amount confirmation unit 8535 is confirmed as 20,000. The remaining balance of 5,000 may be identified as an option transaction amount of another option product (for example, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

When the option transaction is made by integrating a plurality of customers according to another embodiment of the present invention, the option check unit 8940 is at least one or more option products associated with at least two or more customer information from the option operation DB (8945) And counting the selection information to confirm the option product selection information selected by more customers, and identifying at least one or more option products corresponding to the identified option product selection information as a transaction target option product, wherein the amount checking unit 8937 adds the option transaction request amount information associated with at least one option product selection information included in the option operation DB 8945 to identify the option product for trading, and by the option confirmation unit 8940. The sum of the option transaction request sums based on the transaction amount per one contract of the identified target option product It characterized in that for confirming the option transaction amount to trade the identified transaction target option product.

For example, if the transaction amount per one contract of the checked option product to be traded is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the amount confirmation unit 8535 is confirmed as 250,000. For example, the remaining balance 5,000 may be identified as an option transaction amount of another option product (eg, an option transaction amount of an option product having a transaction amount of 1,000 per day), or may be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the option confirming unit 8940 may identify at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option transaction service provider, the amount confirming unit 8535 may be configured to the option confirming unit 8940 among at least one or more point exchange amounts exchanged through the point exchange system shown in FIG. 82. It is characterized in that for checking the option transaction amount to trade the identified transaction target option product on the basis of the transaction amount per one contract of the transaction target option product.

The option transaction processing unit 8930 may correspond to the at least one or more transaction target option product through the identified option transaction amount based on the option transaction account on the point exchange system shown in FIG. 82 in connection with the financial system. It is characterized by trading at least one contract.

Those skilled in the art to which the present invention pertains, the option transaction processing unit 8930 is a technical feature for trading the contract corresponding to the at least one or more options trading products identified as the option transaction amount. Since it will be understood, detailed description thereof will be omitted for convenience.

In addition, the option transaction processing unit 8930 deals with the identified at least one option trading item through the identified option transaction amount, and generates a predetermined option transaction details corresponding to the option transaction. And store in an account ledger corresponding to the option trading account.

Referring to FIG. 89, the option trading server 8900 for providing an option trading service using the point exchange amount may check the expiration of at least one or more trading target option products traded by the option trading processor 8930. An option expiration confirmation unit 8825, an option revenue confirmation unit 8920 that confirms a return corresponding to the option transaction on the option expiration date, and a predetermined option return is generated when the predetermined option return occurs. And a settlement processing unit 8515 for calculating a corresponding option revenue for each customer, and a settlement processing unit 5410 for setting the option proceeds to the customer in response to the option transaction amount.

The option expiration confirmation unit 8825 checks whether the expiration date for the option target product has arrived by comparing the expiration date of the at least one option product traded by the option transaction processing unit 8930 with the current date and time. Characterized in that.

If the expiration date for the option-to-trade option product arrives as a result of the check by the option expiration-checking unit 8825, the option revenue confirmation unit 8920 checks whether a predetermined profit for the contract corresponding to the option-to-trade option product has occurred. Characterized in that.

When it is confirmed that the predetermined profit for the contract corresponding to the trading option product is generated, the profit calculation unit 8915 determines whether the profit for each customer is based on the option transaction history for each customer. It is characterized by calculating the option proceeds.

When the option revenue for each customer is calculated by the revenue calculation unit 8915, the settlement processing unit 8910 may settle the option revenue to a financial account under the customer's name shown in FIG. 82.

Referring to FIG. 89, the option trading server 8900 for providing an option trading service using the point exchange amount is made by the option trading processor 8930 for a contract corresponding to at least one option product, or Alternatively, the expiration date of the transaction target option product is confirmed by the option expiration confirmation unit 8825, or the option revenue is generated to a predetermined customer by the option revenue confirmation unit 8920, or the profit calculation unit When a predetermined option profit is calculated for the customer having the option revenue generated by 8915 or the option proceeds are settled to the customer by the settlement processing unit 8910, each option is linked with a predetermined communication server. An option transaction information providing unit 8905 for providing the customer with at least one option transaction information corresponding to a transaction step; It characterized by comprising.

According to an embodiment of the present invention, the communication server mail server (8950), or the customer to send an information providing mail for providing at least one option transaction information corresponding to each option trading step to the customer's mail account A wireless server 8955 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (8960) for providing an information providing ARS service for providing one or more options trading information.

90 is a diagram illustrating an option transaction process of a post approval method using a point exchange amount according to an exemplary embodiment of the present invention.

In more detail, FIG. 90 illustrates a method of investing in a predetermined option product a point exchange amount exchanged from at least one customer point through the point exchange system shown in FIG. 82 and deposited in an option trading account of the option trading service provider. As a process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 90 to infer various implementation methods for the option trading process using the point exchange amount. The present invention comprises all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 90 so that the information registration system shown in FIGS. 84 and / or 86 is omitted (e.g., option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 82 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 82, it may be possible to infer a method of investing a point exchange amount of money exchanged from at least one customer point and deposited in an option trading account of the option trading service provider in a predetermined option product. The present invention includes all the implementation methods inferred above, and only with the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 90, the option transaction server 8900 on the option transaction system shown in FIG. 89 is referred to as "server" for convenience.

Referring to FIG. 90, the server on the option trading system shown in FIG. 89 is exchanged from at least one or more customer points through the point exchange system shown in FIG. 82 and deposited in the option trading account of the option trading service provider. In order to invest the exchange amount in a predetermined option product, at least one or more trading options are identified (9000), and the option transaction amount for the at least one or more trading options is identified (9005).

According to an embodiment of the present invention, when the option transaction is made for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 8945. After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 8945, the confirmation of the option transaction request amount based on the confirmed transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, an option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 8945. It is preferable to check the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 8945. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option to trade the above-listed option product among the option transaction request amount. To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option trading service provider, the server confirms the transaction based on the transaction amount per one contract of the checked option product among the at least one point exchange amount exchanged through the point exchange system shown in FIG. 82. It is desirable to check the amount of option trading to trade the option product.

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction initiation and provides it to the customer through a predetermined communication server (9010).

According to an embodiment of the present invention, the communication server mail server (8950), or the customer to send an information providing mail for providing at least one option transaction information corresponding to each option trading step to the customer's mail account A wireless server 8955 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (8960) for providing an information providing ARS service for providing one or more options trading information.

Thereafter, the server is connected to the financial system based on the option transaction account on the point exchange system shown in FIG. The above contract is traded (9015).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (9020), the server generates a predetermined option transaction history corresponding to the option transaction and stores it in the account ledger corresponding to the option transaction account (9025).

FIG. 91 is a diagram illustrating an option transaction process of a post-approval method using a point exchange amount according to another embodiment of the present invention.

More specifically, FIG. 91 is a process of investing a point exchange amount of money exchanged from at least one or more customer points through the point exchange system shown in FIG. 82 deposited in an option trading account of the option trading service provider in a predetermined option product. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the option trading process using the point exchange amount may be inferred by referring to and / or modifying the drawing 91. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs to the present invention, the information registration system shown in FIGS. 84 and / or 86 is omitted by referring to and / or modifying the drawing 91 (for example, option trading). When the service provider automatically selects a trading option product, and the point exchange amount exchanged through the point exchange system shown in FIG. 82 is invested in the trading option product), according to the policy of the option trading service provider. Through the point exchange system shown in FIG. 82, it may be possible to infer a method of investing a point exchange amount of money exchanged from at least one customer point and deposited in an option trading account of the option trading service provider in a predetermined option product. The present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. The technical features are not limited.

In the drawing 91, the option trading server 8900 on the option trading system shown in FIG. 89 is referred to as " server " for convenience.

Referring to FIG. 91, the server on the option trading system shown in FIG. 89 is exchanged from at least one or more customer points through the point exchange system shown in FIG. 82 and deposited in the option trading account of the option trading service provider. In order to invest the exchange amount in a predetermined option product, at least one or more trading options are identified (9100), and the option transaction amount for the at least one or more trading options is identified (9105).

According to an embodiment of the present invention, when the option transaction is made for each customer, the server may check at least one or more option product selection information associated with predetermined customer information from the option operation DB 8945. After the server confirms the option transaction request amount associated with predetermined customer information from the option operation DB 8945, the confirmation of the option transaction request amount based on the confirmed transaction amount per one contract of the checked option product. It is desirable to check the amount of option trading to trade the option product.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 25,000 won, the option transaction amount confirmed by the server is confirmed as 20,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day) or be excluded from the option transaction amount.

According to another embodiment of the present invention, when the option transaction is made by integrating a plurality of customers, the server counts at least one or more option product selection information associated with at least two or more customer information from the option operation DB 8945. It is preferable to check the option product selection information selected by more customers, and to identify at least one or more option products corresponding to the identified option product selection information as a transaction target option product, and the server may operate the option operation DB 8945. Summing up option transaction request amount information associated with at least one option product selection information included in identifying the option product to be traded, and adding the sum based on a transaction amount per one contract of the identified option product to be traded. Option to trade the above-listed option product among the option transaction request amount. To determine the future amount is preferable.

For example, if the transaction amount per one contract of the checked option product is 10,000 won, and the confirmed option transaction request amount is 255,000 won, the option transaction amount confirmed by the server is confirmed as 250,000, and the remaining balance 5,000 is It is preferable that the option transaction amount of another option product to be traded (for example, the option transaction amount of an option product having a transaction amount of 1,000 per day contract) or be excluded from the option transaction amount.

According to another exemplary embodiment of the present invention, when the option transaction is performed by the option transaction service provider, the server preferably identifies at least one or more transaction target option products according to the policy of the option transaction service provider. According to the policy of the option trading service provider, the server confirms the transaction based on the transaction amount per one contract of the checked option product among the at least one point exchange amount exchanged through the point exchange system shown in FIG. 82. It is desirable to check the amount of option trading to trade the option product.

Thereafter, the server is connected to the financial system based on the option transaction account on the point exchange system shown in FIG. The above contract is traded (9110).

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of trading a contract corresponding to the at least one option product for which the option is traded. Detailed description thereof will be omitted for convenience.

If the option transaction is normally performed (9115), the server generates a predetermined option transaction history corresponding to the option transaction and stores it in the account ledger corresponding to the option transaction account (9120).

Thereafter, the server generates predetermined option transaction information corresponding to the option transaction processing and provides the predetermined transaction information to the customer through a predetermined communication server (9125).

According to an embodiment of the present invention, the communication server mail server (8950), or the customer to send an information providing mail for providing at least one option transaction information corresponding to each option trading step to the customer's mail account A wireless server 8955 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (8960) for providing an information providing ARS service for providing one or more options trading information.

92 is a diagram illustrating a settlement process of an option revenue of a post approval method using a point exchange amount according to an embodiment of the present invention.

In more detail, FIG. 92 illustrates a process of investing a point exchange amount in a predetermined option product which is exchanged from at least one or more customer points through the point exchange system shown in FIG. 82 and deposited in an option trading account of the option trading service provider. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the settlement process of option profits using the point exchange amount may be inferred by referring to and / or modifying the drawing 92. However, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

In the drawing 92, the option trading server 8900 on the option trading system shown in Fig. 89 is referred to as " server " for convenience.

Referring to FIG. 92, after the server on the option trading system shown in FIG. 89 performs the option trading process shown in FIGS. 90 and / or 91, the server is based on the option transaction details provided on the financial system. By comparing the expiration date and the current date and time for at least one or more of the options for trading options traded through the option trading process shown in FIGS. 90 and / or 91, it is checked whether the expiration date for the options for trading options has arrived. 9200).

If it is confirmed that the expiration date for the target option product has arrived (9205), the server checks whether a predetermined profit for the contract corresponding to the target option product has occurred (9210).

If a predetermined profit does not occur for the contract corresponding to the trading option product, or if a loss date for the contract corresponding to the option product occurs (9215), the server does not generate the option profit (or The option transaction information corresponding to the loss is generated and provided to the customer through the predetermined communication server (9220).

According to an embodiment of the present invention, the communication server mail server (8950), or the customer to send an information providing mail for providing at least one option transaction information corresponding to each option trading step to the customer's mail account A wireless server 8955 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (8960) for providing an information providing ARS service for providing one or more options trading information.

On the other hand, if it is confirmed that a predetermined profit has been generated for the contract corresponding to the transaction option product, the server is configured to at least one option transaction for each customer based on at least one option transaction history for each customer included in the financial system. Compute at least one corresponding customer-specific option proceed (9225)

If the option revenue for each customer is calculated (9230), the server processes the option proceeds to a financial account of the customer's name shown in FIG. 82 (9235), and the predetermined amount corresponding to the option revenue settlement processing The option transaction information is generated and provided to the customer through a predetermined communication server (9240).

According to an embodiment of the present invention, the communication server mail server (8950), or the customer to send an information providing mail for providing at least one option transaction information corresponding to each option trading step to the customer's mail account A wireless server 8955 for sending an information providing message for providing at least one option transaction information corresponding to each option transaction step to a wireless terminal of at least, or at least corresponding to each option transaction step to a wired / wireless communication terminal of the customer. It is preferable to include at least one or more automatic response server (8960) for providing an information providing ARS service for providing one or more options trading information.

According to the present invention, by incorporating a plurality of small investments for each customer and deposited for option investment (or option trading), there is an advantage that the customer can invest in options even with a small investment.

According to the present invention, the use can be limited, relatively small, and if it is good if you are from the customer's point of view, by using the option transaction to the point that the debt burden can be increased from the financial institution (or point earning institution) position In addition, there is an advantage of increasing the interest in the point of view from the customer point of view, providing the opportunity to generate a large amount of profit (or maximize the value of the asset) through a small amount of points, the position of the financial institution (or point earning institution) Has the advantage of reducing the debt burden due to the point in time.

Claims (5)

The server allocates a plurality of virtual accounts having the option account of the option transaction relay service provider to a plurality of customers participating in the option transaction, and allocates the amount deposited into the plurality of virtual accounts to the option account of the option transaction relay service provider. Depositing in; The amount of money deposited in the option account through the option account information of the option transaction relay service provider, the plurality of customers information deposited in the option account, the virtual account information allocated to the plurality of customers, and the virtual accounts. Interworking the information and storing the information in a storage medium; Executing an option transaction in a server using an amount deposited in an option account of the option transaction relay service provider; Upon expiration of the option corresponding to the option transaction, the server checks whether a profit is generated according to the option transaction, and when the result of the check is generated, confirm the prestored information by linking with the option account information in connection with the storage medium. Through the plurality of customers information deposited in the option account, the virtual account information assigned to the plurality of customers and the amount of information deposited in the option account through the virtual accounts, respectively, and based on the confirmed information And distributing the generated profits so as to correspond to the amounts deposited by the plurality of customers, and then depositing the distributed profits into the virtual accounts of the customers, respectively. Way. The method of claim 1, If the amount of money deposited through the plurality of virtual accounts is the points owned by the customers, identifying a point of a plurality of customers participating in the option transaction at the server; And And converting the identified points of the customer into real money (or cash) in the server, and depositing the funds in the virtual account assigned to the customers. The method of claim 1, wherein in the option transaction processing means, performing the option transaction using the amount deposited in the option account of the option transaction relay service provider, A plurality of customers participating in the option transaction are directly selected by the plurality of customers participating in the option transaction, or the selection result of the plurality of customers participating in the option transaction is collected and the products selected by the largest number of customers are selected for the transaction. Option transaction relay processing method characterized in that it further comprises the step of selecting. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Option account operating means for depositing cash provided by a plurality of customers or cash exchanged points held by a plurality of customers in an option account of an option transaction relay service provider; Information on the option account information of the option transaction relay service provider, information on a plurality of customers who have deposited an amount in the option account, and information on the amount of money deposited by the plurality of customers on the option account and stored in a predetermined storage medium; Storage means; Option transaction processing means for performing an option transaction using an amount deposited in an option account of the option transaction relay service provider; And Upon expiration of the option corresponding to the option transaction, it is determined whether a profit is generated according to the option transaction, and when a check result is generated, in connection with the storage medium, it is processed in association with the option account information and the previously stored information is checked. Confirm the information of the plurality of customers who deposited the money in the option account and the amount of money information deposited by the plurality of customers in the option account, and based on the identified information, the generated profit is deposited by the plurality of customers. And a profit processing means for refunding the distributed profits to the customers after the distribution corresponding to the amount.

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