KR100874529B1 - Contrast Fund Futures Service System and Method - Google Patents

Abstract

Disclosed is a light fund fund futures service system and method that leads a differentiated fund futures culture by paying a fund as a high grant and attracts new customers for the fund.

When the recipient information, payment amount and congratulatory text are input, the light fund fund gift service system of the present invention holds the payment amount as a margin from the applicant's account, and assigns a serial number to the light card according to a specific criterion. A congratulatory card management module for issuing a congratulatory card with recorded congratulations text; A hard card sending module for processing the issued hard card to be sent to the recipient by any one of mail, email, and short message; Confirm the consignment card serial number and the consignee information from the recipient who received the consignment card, and if the information matches, provide a guide to the available fund product, and if the fund product is selected, the payment amount held as a margin to the applicant's account from the applicant's account. A high income receipt processing module for performing a purchase order or a purchase process of the selected fund product after the transfer process to the recipient account, and performing a transfer process to the recipient account if the fund product is not selected; There is a technical feature to include.

Description

System and Method of Fund Present Service for Congratulations and Condolences}

1 is a view for explaining the concept of the high funds fund futures service of the present invention,

2 is a block diagram of a high funds fund futures service system according to an embodiment of the present invention,

3 is a configuration diagram of the high card management module of FIG. 2;

4 is a configuration diagram of the high card sending module of FIG.

FIG. 5 is a configuration diagram of the light receipt processing module of FIG. 2; FIG.

6 is a flowchart sequentially illustrating a service registration process of a light fund gift service method according to an embodiment of the present invention;

7 is a flowchart sequentially illustrating a service processing procedure of a light fund gift service method according to an embodiment of the present invention;

8 is a flowchart sequentially illustrating a process of processing a non-consolidation fund in the high-fund fund futures service method according to an embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

100: Contrast Fund Gift Service System 110: Contrast Card Management Module

111: card application acceptance processing unit 112: card issuing unit

113: unreceived card management unit 114: cancellation processing unit

120: high card sending module 121: email transmission unit

122: SMS transmission unit 123: mail sending request unit

130: high payment receipt processing module 131: high card confirmation unit

132: Fund Products Guide 133: Account Opening

134: high funds transfer processing unit 135: fund purchase processing unit

136: service completion notification unit 141: account database

142: Fund Products Database 143: Stationery Database

144: Issuance Card Database 145: Purchase History Database

The present invention relates to a light fund fund futures service system and method, and more particularly, a light fund fund futures service that leads a differentiated fund futures culture by providing funds as light funds and secures new customers who receive funds as light funds. System and method.

Contrast money is a domestic tradition that is traditionally done to relieve the burden of the congratulations for the purpose of mutual assistance. Often times, people cannot attend the congratulations directly due to space and time constraints. Before and after the war, it is common to tell the recipient of the situation and hand over it.

On the other hand, it is generally a reality that many contenders find a payer, and many guests or patrons want to visit, but it is practically difficult to enter an account number in an invitation or a disclaimer to receive the contender. Accordingly, although a method of using a money order through a post office is being used, in order to realize such a method, a payer must visit a post office one by one.

As a result of this problem and the trend of the times, a light money delivery service without time and space restrictions has been required. Accordingly, recently, when a payer makes a payment on a web server on the Internet, the payment is made. A service is carried out in which the money is delivered to the recipient.

However, even if it is customary to pay cash for congratulations or consolations during the celebrations, it is often replaced with a suitable gift. In particular, wedding ceremonies are mostly used for ceremonies and meals. In the case of acquaintances, they often give gifts rather than cash. Thus, the existing service that pays cash for condolence to payers who want to replace cash with a separate gift is meaningless.

In addition, a gift providing method for providing a suitable gift to the other party has been proposed, but it is not easy to select a suitable gift, and it is difficult to cash out again when an unwanted gift is received. If you make a list of items, the payer can purchase a certain item and present it to the parties, but the payer who wants to give his or her own differentiated gift rather than the gift specified by the recipient or unexpected Recipients who wish to enjoy the joy of receiving a gift cannot use it as an optimal service, which requires a more differentiated service plan.

On the other hand, with the recent fiscal wave of Jae Tech, the spread of the five-day Japanese system has led to an increased interest in Jae Tech and the active participation of the parties. However, since it is not easy to acquire knowledge about Jae-Tec by itself and use it to fund it, it is not easy to participate actively.

Therefore, it is necessary to find a way to actively participate to those who want to re-technize with a certain degree of motivation, and in particular, when there is a small amount of light income, which is temporarily caused by hardship, etc. In other words, it is necessary to prepare a service plan for attracting and securing a customer of a fund that promotes mutual benefits through the use of hard economic surveys.

Accordingly, the present invention is to solve all the disadvantages and problems of the prior art as described above, in place of cash for congratulations or consolation during congratulations, so as to give and receive a differentiated gift from the payer and the recipient position An object of the present invention to provide a service scheme.

In particular, the present invention leads the differentiated gift culture by presenting the funds as light money, to secure new customers who receive the funds as light money, and to motivate the re-tech during the light industry when light money is generated. It is an object of the present invention to provide a light fund futures gift service system and method that facilitates starting a re-tech.

In addition, the present invention enables the fund sales to be made to customers that are easy to start the technology, compared to the fund sales method targeting an unspecified number of people, thereby enabling more successful sales and mutual benefits. Another goal is to provide a light fund fund futures service system and method that facilitates promotion and naturally attracts new customers.

In addition, the present invention presents a fund, but the actual selection and joining of the fund product is performed by the recipient, so that the recipient can receive cash if the recipient does not want to join the fund, both gift givers and recipients Another purpose is to provide services that allow gifts to be sent and received in the form they want.

The above object of the present invention is a light fund gift service system that allows payment of funds to funds, and if the recipient information, payment amount, and the phrase specified by the applicant is entered, holding the payment amount as a margin from the applicant's account. Then, the card management module for assigning a serial number to the card according to a specific criterion, and issuing a card for recording the record of the statement; A hard card sending module for processing the issued hard card to be sent to the recipient by any one of mail, email, and short message; Confirm the consignment card serial number and the consignee information from the recipient who received the consignment card, and if the information matches, provide a guide to the available fund product, and if the fund product is selected, the payment amount held as a margin to the applicant's account from the applicant's account. A high income receipt processing module for performing a purchase order or a purchase process of the selected fund product after the transfer process to the recipient account, and performing a transfer process to the recipient account if the fund product is not selected; This is achieved by a light fund futures service service system.

In addition, the above object of the present invention comprises the first step of receiving the recipient information, the payment amount and the congratulatory text designated by the applicant; Holding the payment amount as a margin from the applicant's account; A third step of assigning a serial number to a high contrast card according to a specific criterion, and issuing a high contrast card in which the high phrase is recorded and processing it to be sent to the recipient by one of postal mail, e-mail, and a short message; A fourth step of confirming the congratulatory card serial number and the receiver information from the recipient who received the congratulatory card, and performing a buyable fund product guide if the information matches; When a fund product is selected, the payment amount held as a margin in the applicant's account is transferred from the applicant's account to the recipient's account, and then the purchase order or purchase process of the selected fund's product is performed. A fifth step of performing a transfer process; Contrast funds are achieved by a gift service method.

Details of the above object and technical configuration of the present invention and the resulting effects thereof will be more clearly understood from the following detailed description based on the accompanying drawings.

First, Figure 1 is a view for explaining the concept of the light fund fund service service of the present invention, the present invention is to allow the gift to be presented in place of the light fund, the organic business process between the applicant, the fund company, the recipient as shown Suggest.

First, the applicant requests the registration of the service by selecting or entering the information of the recipient, the amount of payment, the type of fund to be recommended, and the text of the congratulatory text.

Next, the fund issues a hard card by assigning a serial number according to a predetermined standard (2). Here, the issuance of a high card is according to the applicant's request for service registration, the amount of money in the applicant's account is taken as a margin, the serial number of the high card is assigned, and then the high card (for sending mail, for sending e-mail, for sending SMS) Etc.), including the serial number, the congratulatory text, the recommended fund, and the receipt-related notice text, in order to be ready for shipment.

Here, the serial number of the high card is generated based on the same criteria as 'date-branch number-issuance order', so that it is possible to identify the issuance date, the branch, etc. by the high number card serial number.

On the other hand, the Contrast Card is sent to the Recipient by various means such as mail, email, SMS, etc. in a predetermined manner or by the Applicant (3). This allows you to open your own account with the fund (if you do not have an account) and choose cash or fund as a method of receiving (4).

Of course, the recipient should be provided with the serial number recorded on the hard card received by the fund company to check whether it is valid, and have to go through the procedure of checking the real name and confirming the information of the recipient.

Upon completion of all verification processes, the Fund will transfer the proceeds from the applicant's account to the recipient's account, and if the fund is selected, will immediately purchase or process the funds selected by the recipient at that transfer amount. By carrying out order processing (5), it can be secured as an investment customer.

The configuration of the high funds fund futures service system of the present invention for providing a high funds fund futures service as described above will be described below with reference to FIGS.

2 is a block diagram of a high funds fund gift service system according to an embodiment of the present invention, FIG. 3 is a block diagram of the high card management module of FIG. 2, FIG. 4 is a block diagram of the high card sending module of FIG. 2 is a block diagram of the high receipt receipt processing module of FIG.

As shown in FIG. 2, the high-fund fund futures service system 100 of the present invention may support web / dedicated line access of a fund company's sales terminal, support web access of a customer terminal, and fund-only program (eg, HTS). ) Is preferably used.

The high funds fund futures service system 100 includes a high cards management module 110, a high cards sending module 120, a high funds receipt processing module 130, the database stores the customer account number information of the fund company Account DB (141), the fund product DB (142) for storing the fund product information, the phrase DB (143) for storing the congratulatory card phrases, the issuance card DB (144) for storing the issue card issued details, funds using the condolence funds A purchase history DB 145 may be provided to store the purchase processing history.

Contrast card management module 110 is a function block for card issuance and management according to the applicant's service registration, receives information such as recipient information, payment amount, congratulatory text, recommendation fund, etc. from the applicant, the above account from the applicant's account Holding the payment amount as a margin, and after assigning a serial number to the high contrast card according to a specific criterion, issues a high contrast card with a recorded serial number and the high contrast phrase, and stores the issuance details in the issuance card DB (144).

At this time, the applicant must deposit the amount (payment amount) to be used as a conservative payment in his / her account in advance, and enter the name, telephone number, gender, address, and e-mail address as the recipient information. If yes, you can register additional information.

On the other hand, the applicant can directly access the high funds funds futures service system 100 through the customer terminal to apply for services, it is also possible to directly apply to visit the fund company. In the latter case, the information to be input from the applicant will be input from the applicant for the fund company in charge of the applicant, but will be described as being input from the applicant for convenience of explanation and understanding.

The high card sending module 120 is a module for processing the issued high card to be sent to the recipient by mail, e-mail, short message, etc. In the case of e-mail and short message transmission, it is preferable to perform the direct sending process, In the case of sending, it is possible to output the high contrast card to an external printer or the like, or transmit the high contrast card and request information to a separate postal sending system.

Contrast money receipt processing module 130 checks the congratulatory card serial number and recipient information from the recipient who received the congratulatory card, and if the information matches, perform a buyable fund product guide, and if the fund product is selected as a margin to the applicant account The held payment amount is transferred from the applicant's account to the recipient's account, and then the purchase order or purchase processing of the selected fund product is performed.

At this time, the recipient's subscription to the fund product is not compulsory, and if the fund product is not selected, the service can be completed only by processing the transfer to the recipient's account, in which case only the transfer to the recipient's account is allowed. Customer acquisition is possible.

A detailed functional block of each processing module will be described in more detail with reference to FIGS. 3 to 5 as follows.

3, the high card management module 110 includes a card application reception processing unit 111, a card issuing unit 112, an unreceived card management unit 113, and a cancellation processing unit 114.

The card application reception processing unit 111 is a block for receiving a card application information including the recipient information, the payment amount, and the congratulatory text from the applicant to perform service registration. Recipient information entered by the applicant may include the recipient's name, telephone number, address, email address, gender, and recipient account (if the applicant is known or there is a recipient account with the fund), some of which are required. As part, it is preferred that some are provided as optional input items.

On the other hand, in the case of hard-wearing phrases, the applicant can directly input or select one of the phrases presented by the system. For this purpose, the card application reception processing unit 111 is provided with a phrase DB (143) for storing the phrases for each hard-wearing. And, the applicant can be made to select one of the phrases stored in the phrase DB (143).

In addition, the card application acceptance processing unit 111 should perform the service application only if the payment amount specified by the applicant exists in the applicant account. For this, if the payment amount is input from the applicant, whether the balance of the applicant account is insufficient. If it is determined that there is more than the balance, the application will be accepted.

In addition, the card application reception processing unit 111 may provide the applicant with various fund product information of the fund product DB 142 in order to allow the applicant to select a fund (recommendation fund) to be presented to the recipient. At this time, if the fund product with the minimum purchase amount is selected as the recommended product, the card application reception processing unit 111 determines whether the applicant's payment amount is equal to or greater than the minimum purchase amount of the fund product, and selects only the minimum purchase amount or more. It should be possible.

Next, the card issuing unit 112 receives the received contents from the card application acceptance processing unit 111, and accordingly holding the payment amount as a margin from the applicant's account, and then generates the serial number and serial number of the hard card Issuing a high contrast card recorded the high contrast statement, and stores the information of the issued high contrast card in the issuing card DB (144).

More specifically, the high card includes the card serial number, the name of the recipient, the phrase of the congratulations, the date of application and the name of the applicant, the type of recommendation fund and the receipt guide text (including the shop guide).

On the other hand, the card issuing unit 112 may perform the transfer process to the recipient account immediately, instead of holding the payment amount as a margin in the applicant account. This is possible only when a recipient account has been entered or confirmed, and based on the recipient account information and the recipient information entered from the applicant, the processing of the transfer of the payment amount from the applicant account to the recipient account is confirmed when the validity of the account information is confirmed. To be done.

The non-receipt card management unit 113 is responsible for generating a non-receipt list in which the recipient has not been performed among the issued high contrast cards and transmitting a non-receipt guide message to the recipient.

In this case, the non-receipt list generated by the non-receipt card management unit 113 may include information about cards whose receipt period (for example, 60 days) has not been exceeded, and for which a predetermined period (for example, 30 days) has elapsed after issuance. The card may output all information on a card that has elapsed after a certain period of time, and the details of which the receipt period is exceeded may be transmitted to the cancellation processing unit 114.

The cancellation processing unit 114 plays a role of canceling the holding state of the margin for the applicant's account according to exceeding the receipt period of the issued issued card and canceling the service registration of the applicant, and invalidating the corresponding card. In this case, the cancellation processing unit 114 may directly generate an unreceived list of which a receipt period has been exceeded or may be received from the non-receipt card management unit 113.

The cancellation of the applicant's service registration should be possible only for the card which has not been processed by the recipient. In case of cancellation, the recipient needs to be informed of the cancellation by SMS.

Next, the high card sending module 120 may include an e-mail transmitting unit 121, an SMS transmitting unit 122, a mail sending request unit 123 as shown in FIG.

The e-mail transmitting unit 121 serves to transmit the issued high contrast card to the e-mail address of the recipient. If the e-mail transmission fails due to an error in the e-mail address, an error message should be output.

The SMS transmitter 122 transmits the issued high card to the recipient's mobile phone using a short message. In the embodiment, although specified as a short message, it can be replaced with any message such as a long message, a multimedia message, a callback URL message transmitted to a mobile phone, or can be confirmed by using a callback function of a callback URL message.

The mail sending request unit 123 outputs the address and the light card of the corresponding recipient to the outside so that the issued light card can be mailed to the address of the recipient. In this case, the external output may be printing a light card to a printer, and may transmit information requested by a postal mail to a separate postal mail system.

The high card sending module 120 may send a high card using at least one of the e-mail transmitting unit 121, the SMS transmitting unit 122, and the postal requesting unit 123, and the sending method is specified by the applicant. If the transmission fails in the corresponding method, it is preferable to use another method.

In addition, when the card shipment is normally made, the high card sending module 120 may transmit a message for notifying the recipient of the light card and the method of sending the card, and may notify the applicant that the light card is normally sent. .

Next, the high payment receipt processing module 130, as shown in Figure 5, high card confirmation unit 131, fund product guide unit 132, account opening unit 133, high funds transfer processing unit 134, fund purchase processing unit ( 135, a service completion notification unit 136.

Contrast card confirmation unit 131 receives the congratulatory card serial number from the recipient receiving the congratulatory card to check whether it is a valid congratulatory card, and if the valid card receives the recipient information, the applicant enters the corresponding congratulatory card Check whether the information matches with the recipient information, and output the result.

The fund product guider 132 performs at least one fund product guide to the recipient with reference to the fund product DB 142 in which information on the plurality of fund products is stored. If the applicant recommends a specific fund product, it is preferable to first inform the recommended product and then inform the other product when the recipient requests the guidance of the other product.

On the other hand, instead of accessing the system of the present invention directly, the recipient can receive a condolence for the congratulatory card through a visit to a store, in which case the consignment receipt processing module 130 is input by a person in charge through a sales terminal, not the recipient. It will operate according to the contents, but will be described as being input from the recipient for convenience of explanation and understanding.

If there is no account of the recipient in the fund company, the account opening unit 133 performs an account opening process in the name of the recipient. At this time, the account opening can be processed by the existing fund company system, in this case, the account opening unit 133 performs an operation for requesting an account opening to another system.

The high money transfer processing unit 134 performs a recipient account verification process, and transfers the payment amount held in the margin of the applicant's account to the recipient's account. If the recipient account is entered from the applicant at the time of service registration, the payment transfer processing unit 134 may be operated at the time of registering the service, and if the recipient's account is input from the applicant, the recipient's name, telephone number, etc. for the account You must check whether it matches the information entered.

When a specific fund product is selected from the recipient, the fund purchase processor 135 performs a buy order or purchase process of the selected fund product with the amount transferred to the recipient account. That is, according to the nature of the fund product, the fund purchase processing unit 135, if it is impossible to buy on the day, must hold the corresponding amount as a margin to carry out the purchase order processing, and if the purchase on the same day, the purchase process immediately.

When the service completion notification unit 136 completes the processing of the light money transfer to the recipient account, the applicant is notified that the service is completed by using a short message or the like.

Next, the service process of the present invention will be described once again sequentially through FIGS. 6 to 8 as follows.

First, FIG. 6 is a flowchart sequentially illustrating a service registration process of a light fund gift service method according to an embodiment of the present invention.

As shown, the fund futures service system of the present invention receives the recipient's information (name, gender, telephone number, address, email address, account number, etc.) from the applicant or the person in charge of the branch (S601). Thereafter, if the amount to be paid as a high payment is input (S602), the system of the present invention checks whether the balance of the applicant's account is insufficient (S603), and outputs a corresponding error message when the balance is insufficient (S603-1).

If the balance is not insufficient, proceed to the next step to allow the applicant to select a fund to be recommended to the recipient (S604), and if the fund is made, the minimum purchase amount and payment amount of the corresponding fund product is compared (S605). If the result of the comparison is insufficient, the incapacity guidance is performed (S605-1). Otherwise, the product is designated as a recommendation fund and then proceeds to the next step.

Meanwhile, although the fund selection process is shown as a mandatory process in the drawing, the selection of the recommended fund is optional by the applicant and thus may be omitted.

Next, the system of the present invention allows the recipient to select a method of delivering the high contrast card (S606), and then selects or directly inputs the high contrast phrase from the DB (S607).

Step S601 to step S607 is a service request process of the applicant, the order of inputting information is shown only as an embodiment is not limited thereto.

When the service application process is completed, the system of the present invention holds the payment amount from the applicant account as a margin, or deposits the recipient account (if the applicant entered the recipient account information) (S608).

Next, the system of the present invention according to a predetermined standard is given a serial number of the high contrast card, after issuing a high contrast card containing various information, such as serial number, light phrase, applicant's name, recipient's name, guide text (S609), The consignment card is processed by the applicant in a manner designated by the applicant (S610).

At this time, since the recipient should perform the receipt of the consignment and the fund product within a certain period using the corresponding convocation card, the system of the present invention transmits a short message informing the recipient that the card has been sent (S611).

Next, FIG. 7 is a flowchart sequentially illustrating a process of processing a service of a light fund futures service method according to an embodiment of the present invention, and illustrates a process of receiving a light money of a recipient.

As shown, when the salesperson is connected to the system of the present invention as the recipient directly accesses the system of the present invention or visits the store and requests the receipt of the grant, the grant fund gift service system is a series of light card of the recipient. It requests to input the number (S701), and checks whether the input serial number is the serial number of the issued card to determine whether it is a valid card (S702), and if it is not a valid card, an error guide message is output. (S702-1).

Next, when the recipient information is input through confirmation of the recipient's real name and seal, the fund company card, etc. (S703), the system of the present invention determines whether the recipient information matches the recipient information entered by the applicant applying for the card. It is determined whether or not (S704), if it does not match, an error guide message is output (S704-1), and if it matches, the process proceeds to the next step.

Since the serial number confirmation and the recipient confirmation of the card have been completed, the system of the present invention first checks whether the recipient account exists in order to transfer the consignment from the applicant account to the recipient account (S705), and if the account does not exist. In step S706, the account opening process is performed.

On the other hand, the light fund fund futures service system of the present invention is for the purpose of securing the customer through the gift of the fund product and the subscription of the fund product, etc. First, the fund product recommended by the applicant and the fund product that can be bought with the corresponding high funds are performed. (S707). If the visitor visits the branch, the sales representative (or counselor) can directly guide the fund product information output from the system, or the recipient can be guided through the separate display device.

In accordance with the fund product guide, when the recipient selects a specific fund (S708), the system of the present invention performs the processing of the transfer of light funds from the applicant account to the recipient account and the purchase order or purchase process of the fund (S709-1). If is not selected, that is, if the cash receipt is selected only the transfer process to the recipient account (S709-2).

As described above, upon receipt of the recipient's high money, the system of the present invention notifies the applicant by using SMS or the like that the recipient has received the high money (S710).

Finally, FIG. 8 is a flowchart sequentially illustrating a process of processing a non-consolidation fund of the high-fund fund futures service method according to an embodiment of the present invention.

If the payment has not been received for a long period of time, it is advisable for the applicant to settle the payment so that it is held as a margin. .

Therefore, the system of the present invention periodically generates a list of non-payment receipts as shown in FIG. 8 (S801). At this time, it is preferable to output only a list of high-contrast cards that have passed a certain period of time after service registration. For example, when the deadline is 60 days, a list of 30 days or more may be output.

The non-receipt list may include the application date, elapsed date, applicant's name, payment amount, recipient's name, recipient's contact number, serial number, etc. of each light card, and based on these information, the system of the present invention determines whether the deadline for receiving the deadline is exceeded. After (S802), if the time limit is already exceeded, the holding of the amount held as a margin in the applicant's account is released (S803), and the applicant and the recipient are notified of the cancellation details through SMS (S804).

If there is still a period of receipt, the system of the present invention notifies the recipient of the deadline by sending a non-receipt guide SMS, or by pushing a non-receipt guide voice message, so that the receipt of the high payment can be made quickly (S805). ). In some cases, the recipient may also be notified of the recipient's non-consolidation.

Meanwhile, in the above description of the present invention, the present invention is limited to presenting a fund as a conservative money. However, even when the fund is not conserved, the fund can be presented using the system of the present invention, and a recipient can subscribe to the contributor using the conservative money. Naturally, it can be replaced by various financial products other than the fund.

In addition, since those skilled in the art to which the present invention pertains may be implemented in other specific forms without changing the technical spirit or essential features, the embodiments described above are exemplary in all respects and are not intended to be limiting. It must be understood. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Therefore, according to the present invention and the present fund service system and method, for the congratulation or consolation during the congratulation, instead of cash, it is possible to give and receive a differentiated gift from the payer and the recipient position, the funds from the perspective of the fund company As a result, it is possible to present a fund as a gift, leading a differentiated gift culture, and gaining new customers who receive the fund as a light fund.

In addition, according to the present invention, the present invention has an effect of motivating the recipients by presenting the fund at the time of the economic conservation, when the income is generated, and from the viewpoint of the recipient, it is possible to easily start the technology at the time required. have.

In addition, according to the present invention, since the fund sales can be targeted to the appropriate customers to start the technology, compared to the fund sales method targeting an unspecified number of people, it enables more successful sales, mutually between the fund company and the customer The advantage is that you can naturally attract new customers in order to profit.

Furthermore, the present invention presents the fund, but since the actual selection and joining of the fund product is carried out by the recipient, the recipient may receive it in cash if the recipient does not want to join the fund, thus giving the gift giver and recipient Everyone has the advantage of giving and receiving gifts in the form they want.

Claims (21)

As a light fund futures service system that allows you to pay high funds as funds, If the recipient's information, payment amount and congratulation statement specified by the applicant is entered, the payment amount will be held as a margin from the applicant's account, the serial number will be assigned to the congratulatory card according to a specific criterion, A high card management module for issuing a card; A hard card sending module for processing the issued hard card to be sent to the recipient by any one of mail, email, and short message; Confirm the consignment card serial number and the consignee information from the recipient who received the consignment card, and if the information matches, provide a guide to the available fund product, and if the fund product is selected, the payment amount held as a margin to the applicant's account from the applicant's account. A high income receipt processing module for performing a purchase order or a purchase process of the selected fund product after the transfer process to the recipient account, and performing a transfer process to the recipient account if the fund product is not selected; Contrast funds futures service system comprising a. The method of claim 1, The high card management module, A card application reception processing unit which receives card application information including recipient information, payment amount, and congratulatory text from the applicant and performs service registration; After holding the payment amount from the applicant's account as a margin, the card issuing unit for generating a serial number of the congratulatory card, issuing a congratulatory card recorded the congratulatory text, and storing the issued congratulatory card information in the issuing card database Wow; A non-receipt card management unit which generates a non-receipt list in which the recipient has not been performed among the issued high contrast cards and transmits a non-receipt guide message to the recipient; A cancellation processing unit for canceling the holding state of the margin for the applicant's account and processing the corresponding hard card in accordance with the expiration date of the issued supervisory card and cancellation of the applicant's service registration; Contrast funds futures service service system comprising a. The method of claim 2, The card application reception processing unit, And a phrase database that stores phrases for each of the congratulations, and allows the applicant to select any one of the phrases stored in the phrase database. The method of claim 2, The card application reception processing unit, When the payment amount is input from the applicant, it is determined whether the balance of the applicant account is insufficient, and if there is a remaining balance of the payment amount or more, the high funds fund futures service system, characterized in that the application proceeds. The method of claim 2, The card application reception processing unit, A high grant fund gift service system for providing fund product information to the applicant, and selecting one of the funds whose payment amount is equal to or greater than the minimum purchase amount of the fund product as a recommended fund to the recipient. The method of claim 2, The card application reception processing unit, Receive further input of the recipient's account information from the applicant, The card issuing unit, Contrast fund gift service system, characterized in that based on the recipient account information and the recipient information input from the applicant, if the validity of the account information is confirmed, the payment amount transfer processing from the applicant account to the recipient account. The method of claim 1, The high contrast card sending module, An e-mail transmitting unit for transmitting the issued high contrast card to an e-mail address of a recipient; An SMS transmitter for transmitting the issued high card to a mobile phone of a recipient using a short message; A postal sending request unit for outputting the address of the recipient and the card to the outside so that the issued high card can be mailed to the address of the recipient; Including at least one or more, based on the delivery method specified by the applicant, the high funds fund gift service system, characterized in that for sending the high contrast card by any one of the method of email, SMS, mail. The method of claim 1, The high payment receipt processing module, Receives the congratulatory card serial number from the recipient of the congratulatory card and checks whether it is a valid congratulatory card, and if it is a valid card, receives the consignee information and matches the recipient information entered by the applicant for the consignment card. Contrast card confirmation unit for confirming; A fund product guide unit configured to perform at least one fund product guide to the recipient by referring to a fund product database storing information on a plurality of fund products; A high-payment transfer processing unit which performs the recipient account verification process and transfers the payment amount held in the applicant's account as a margin to the recipient's account; A fund purchase processor configured to perform a purchase order or purchase process of the selected fund product at an amount transferred to the recipient account when a specific fund product is selected from a recipient; Contrast funds futures service service system comprising a. The method of claim 8, The fund product guide, When the applicant selects the recommended fund, the recipient preferentially guides the fund product recommended by the applicant, and when the recipient requests another product, the other fund product is referred to by referring to the fund product database. Contrast Fund Gift Service System. The method of claim 8, The high payment receipt processing module, An account opening section for performing an account opening process of a recipient when the recipient account does not exist; Contrast fund gift service system further comprises a. The method of claim 8, The high payment receipt processing module, A service completion notifying unit which notifies the applicant of the completion of the service when the processing of the light money transfer to the recipient account is completed; Contrast fund gift service system further comprises a. As a method of offering a fund fund futures service that allows payment of a grant fund, A first step in which the grant fund gift service system receives the recipient information, the payment amount, and the congratulatory text designated by the applicant; A second step in which the high funds fund gift service system holds the payment amount as a margin from the applicant's account; A third, in which the high funds fund futures service system assigns a serial number to a high value card according to a specific standard, issues a high value card in which the high level phrase is recorded, and processes it to be sent to the recipient by mail, e-mail or short message; Steps; A fourth step in which the high funds fund futures service system checks the high numbers of the hard cards entered by the recipients who received the high cards and the recipient information, and guides the purchase of fund products if the information matches; When the fund product is selected, the high funds fund futures service system transfers the payment amount held in the applicant's account as a margin from the applicant's account to the recipient's account, and then executes the purchase order or purchase process of the selected fund's product. If not, a fifth step of performing a transfer process to a recipient account; Contrast funds futures service service method comprising a. The method of claim 12, The first step, A step 1-1 in which the grant fund gift service system receives recipient information including at least one of a recipient's name, gender, telephone number, address, email address, and account number; A step 1-2 of receiving the payment amount to be paid to the recipient by the high funds fund futures service system and determining whether there is a shortage in the applicant account; If there is a balance equal to or greater than the payment amount, steps 1-3 for allowing the high funds fund futures service system to select at least one of a mail, an e-mail, and a short message as a method of delivering a high credit card; 1-4 steps for the high funds fund gift service system to select or input a phrase to be recorded on the high cards; Contrast funds futures service service method comprising a. The method of claim 13, After the first step 1-2, The high fund fund futures service system performing fund product guidance and requesting a recommendation fund selection; When the recommendation fund selection is made, the high funds fund futures service system comparing the minimum purchase amount of the fund product with the payment amount to determine whether the fund product can be recommended; Designating the fund product as a recommended product when the payment amount is more than the minimum purchase amount; Contrast funds futures service method further comprising a. The method of claim 12, The first step includes the step of receiving a grant fund futures service system from the applicant, the recipient account, Wherein the second step, when the recipient account is entered, the high funds fund futures service system comprising the process of transferring the payment amount from the applicant's account to the recipient account. The method of claim 12, After the third step and before the fourth step, When the dispatch processing of the high contrast card is completed, the low funds fund gift service system transmitting a short message including details of the card shipment to the applicant and the recipient; Contrast funds futures service method further comprising a. The method of claim 12, The fourth step, Step 4-1 of receiving a congratulatory card serial number from the recipient who has received the congratulatory card by the consignment fund gift service system, and determining whether the congratulatory card serial number is a valid serial number stored in a database; If the determination result is valid, the high funds fund futures service system receives the recipient information from the recipient and determines whether the recipient information entered by the applicant for the high-level card of the serial number matches the entered recipient information. Steps; If the result matches, the high funds fund futures service system determines whether a recipient account exists; and if the recipient account does not exist, steps 4-3; Step 4-4 of the high funds fund futures service system performing at least one fund product guide to the recipient by referring to a fund product database in which information on a plurality of fund products is stored; When a particular fund product is selected from the recipient, the high funds fund futures service system transfers the payment amount held as a margin in the applicant's account to the recipient's account, and then executes a buy order or purchase process of the selected fund product. If not selected, steps 4-5 for performing only a transfer process to the recipient account; Contrast funds futures service service method comprising a. The method of claim 17, Step 4-4, If the Applicant selects a recommended fund, the Contribution Fund Gift Service System will provide the Recipient with guidance of the Fund Product recommended by the Recipient and, if requested by the Recipient, to refer to the Fund Product Database for other fund products. Contrast funds futures service method characterized in that the step of performing. The method of claim 17, After step 4-5, When the processing of the transfer of the payment to the recipient account is completed, the payment fund present service system notifying the applicant by using a voice or text message that the service is completed; Contrast funds futures service method further comprising a. The method of claim 12, After the third step, Generating, by the grant fund gift service system, a list of unreceived deadlines for which the recipient is not expired among the issued premium cards, and transmitting a non-receipt guide message to the recipient; Contrast funds futures service method further comprising a. The method of claim 12, After the third step, The Conservation Fund Futures Service System generates a list of unreceived expiration deadlines for the consignment cards issued, and for the consignment card for which the cancellation of service registration is applied from the receipt list and the applicant, Performing a holding state release and invalidating the corresponding high card; Contrast funds futures service method further comprising a.

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