KR100885166B1 - Method and System for Managing Affiliated Financial Goods and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating an affiliated financial product and a recording medium therefor, wherein the method for operating an affiliated financial product according to the present invention includes a predetermined information storage means when operating a financial product affiliated with a predetermined communication company at a predetermined financial company. Storing, in a predetermined storage medium, alliance financial instrument operation information for using the proceeds (or interest) of the financial instrument as a usage fee (or fee) of a communication service provided by the telecommunication company; Checking whether a profit (or interest) corresponding to the financial product is generated, and receiving a profit (or interest) of the financial product in association with the storage medium (or storage medium operating means) in a predetermined information checking means. Confirming whether to use the service fee (or fee) of the communication service provided by the carrier and predetermined financial products In the means for and a step of processing the proceeds (or interest) of the instrument in charge (or charge) of a communication service.

Alliances, financial instruments, operations

Description

Method and system for managing affiliated financial products and recording media for them {Method and System for Managing Affiliated Financial Goods and Program Recording Medium}

1 is a diagram illustrating a face-to-face financial product subscription system for operating a financial product associated with an affiliate service according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an implementation method in which a storage medium storing partner financial product operation information corresponding to a financial product subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

3 illustrates a database in which a storage medium storing affiliate financial product operation information corresponding to a financial product subscribed in a face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium for storing affiliated financial product operation information corresponding to a financial product subscribed in a face-to-face manner according to another embodiment of the present invention is provided. .

5A and 5B illustrate a financial product subscription processing process for operating a financial product associated with an affiliate service in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a financial product subscription process for operating a financial product associated with an affiliate service in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a financial product subscription process for operating a financial product associated with an affiliate service 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 financial product subscription system for operating a financial product associated with an affiliate service according to another exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium storing partner financial product operation information corresponding to a financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

FIG. 10 illustrates a database in which a storage medium storing affiliate financial product operation information corresponding to a financial product subscribed in a non-face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

FIG. 11 is a view showing an implementation method including a DBMS provided in a banking server, a storage medium storing affiliate financial product operation information corresponding to a financial product subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. to be.

12A and 12B illustrate a financial product subscription process for operating a financial product associated with an affiliate service in a non-face-to-face manner according to one embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a financial product subscription process for operating a financial product associated with an affiliate service according to one embodiment of the present invention.

14 is a diagram illustrating a financial product operating system for operating a financial product associated with an affiliate service according to an embodiment of the present invention.

15 is a diagram illustrating a financial product operating process associated with an affiliate service according to an exemplary embodiment of the present invention.

16 is a diagram illustrating a financial product operating process associated with an affiliate service according to another exemplary embodiment of the present invention.

17 is a diagram illustrating a financial product operating process associated with an affiliate service according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: information generating unit 145: financial account processing unit

150: information storage unit 155: information confirmation unit

160: electronic document server 165: electronic document receiving unit

170: information generating unit 175: electronic document storage unit

180: Electronic document D / B 185: Financial system

197: ledger D / B 190: storage medium

195: affiliate server 197: terminal device

The present invention uses the proceeds (or interest) of the financial product in the predetermined information storage means as the usage fee (or fee) of the communication service provided by the communication company when operating a financial product affiliated with a predetermined communication company at a predetermined financial company Storing the affiliated financial product operation information to a predetermined storage medium; and checking whether a profit (or interest) corresponding to the financial product is generated in the predetermined financial product checking means, and in the predetermined information checking means. Determining whether to use the proceeds (or interest) of the financial product as a usage fee (or fee) of a communication service provided by the telecommunication company in connection with the storage medium (or storage medium operating means) and predetermined financial product operating means Processing the proceeds (or interest) of the financial product as a usage fee (or fee) of a communication service It relates to a method of operating affiliated financial products.

As national economic activities diversify, various financial products targeting the citizens are also diversifying, and this trend is expected to accelerate further.

In this diversification, in order to secure more customers as financial transaction customers, it is necessary to develop financial products that provide more benefits to the customers, and there are many limitations in the benefits that the financial institutions can provide to the customers. It includes.

On the other hand, due to the rapid development of information and communication technology, most people subscribe to at least one carrier, and the communication service also provides various benefits to customers as the competition accelerates, and the carrier also provides the customers through the internal infrastructure. The benefits can include many limitations.

An object of the present invention for solving the above problems is a financial product verification means for checking whether a profit (or interest) corresponding to the financial product occurs when operating a financial product affiliated with a predetermined communication company in a predetermined financial company, and the The financial product in association with a storage medium (or storage medium operating means) storing information on the operation of the affiliated financial product for allowing the proceeds (or interest) of the financial product to be used as a usage fee (or fee) of a communication service provided by the telecommunications company. Information verification means for confirming whether to use the proceeds (or interest) of the telecommunications service provided by the telecommunication company and the proceeds (or interest) of the financial product as the fee (or fee) of the telecommunications service. It is to provide an affiliate financial product management system having a financial product management means to process.

The affiliated financial product operating method according to the present invention is a communication service providing a profit (or interest) of the financial product in a predetermined information storage means when a financial product is operated in cooperation with a predetermined communication company at a predetermined financial company. Storing the affiliated financial product operation information to be used at a usage fee (or fee) in a predetermined storage medium, and checking whether a profit (or interest) corresponding to the financial product is generated in a predetermined financial product checking means; And confirming whether a predetermined information checking means uses the proceeds (or interest) of the financial product in connection with the storage medium (or storage medium operating means) as a usage fee (or fee) of a communication service provided by the communication company. Steps and the payment (or interest) of the communication service to the proceeds (or interest) of the financial product in the predetermined financial product management means ) It characterized in that comprises the step of processing.

On the other hand, the associated financial product operating method according to the present invention, when operating a financial product affiliated with a predetermined communication company in a predetermined financial company, the financial product in response to the subscription or use of the communication service provided by the communication company in a predetermined information storage means Storing the affiliated financial product operation information for increasing the yield (or interest rate) of the financial product on a predetermined storage medium, and confirming that a profit (or interest) corresponding to the financial product occurs in the predetermined financial product checking means; And confirming a rate of return (or interest rate) of the financial instrument based on the affiliated financial instrument operation information previously stored in the storage medium in a predetermined information checking means, and operating the predetermined financial instrument. Proceeds (or interest) corresponding to a return (or interest rate) increase value of the financial instrument identified in the instrument; It characterized in that it comprises the step of applying to the proceeds (or interest) corresponding to the financial product.

On the other hand, the present invention includes a recording medium characterized in that the program for executing the above-described method for operating the affiliated financial product is recorded.

On the other hand, the affiliated financial product management system, financial product verification means for confirming whether a profit (or interest) corresponding to the financial product occurs when operating a financial product affiliated with a predetermined communication company at a predetermined financial company, and the financial product Proceeds of the financial product in association with a storage medium (or storage medium operating means) that stores the associated financial product operation information for using the profit (or interest) as a usage fee (or fee) of the communication service provided by the telecommunications company. Or information) means for confirming whether or not to use interest) as a usage fee (or fee) of a communication service provided by the telecommunications company, and a finance that processes the proceeds (or interest) of the financial product as a usage fee (or fee) of the communication service. It is characterized by comprising a product operating means.

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 financial product subscription system for operating a financial product associated with an affiliate service according to an embodiment of the present invention.

In more detail, FIG. 1 shows at least one affiliate service (eg, various communication services and their additions) provided by a given customer from a predetermined affiliated institution (eg, various communication companies) affiliated with a financial institution corresponding to the financial product. Service, etc.), and fill out a financial product application form including at least one piece of customer information, financial product subscription information, affiliate institution information, and affiliated product (or service) information. When submitted, the financial institution subscribes to a financial product for financial product operation linked with the affiliated service based on the financial product application information corresponding to the financial product application, and predetermined financial account for managing the financial product. The present invention relates to a system configuration for establishing a connection between the financial product and the affiliated product (or service). Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for constructing a financial product subscription system for operating a financial product associated with an affiliate service. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 so that the customer may use the predetermined financial product application information including predetermined customer information and financial product subscription information. After subscribing to a predetermined financial product, the affiliated institution information and the affiliated product (or service) information are registered through a predetermined information registration system provided by the financial institution (or affiliated institution), and the financial product is registered at the Although it is possible to infer an implementation method associated with at least one affiliate product (or service) provided, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, if a person of ordinary skill in the art to which the present invention pertains, refer to and / or modified the figure 1 configuration of the financial product subscription system omitting the implementation method for keeping the financial product electronic document in the electronic document storage In addition to the implementation method shown in FIG. 1, the electronic document storage is provided in the DBMS located in the financial product subscription system in addition to the implementation method shown in FIG. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the method for generating the financial product electronic document, the financial product electronic document corresponding to the financial product application form is illustrated as being generated on the server side on the financial product subscription system. However, the present invention is not limited thereto, and the financial product electronic document may be generated on a terminal side that acquires image content corresponding to the financial product application through a predetermined image acquisition device (eg, the server side). The electronic document generation function provided in the terminal side is provided to generate the financial instrument electronic document), whereby the present invention is not limited.

Hereinafter, the customer subscribes to the financial product in response to the financial product application form and the financial product application information prepared by the customer through a predetermined financial product subscription interface on the financial product subscription system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined financial product electronic document and storing it in a predetermined electronic document repository is referred to as " financial company server 100 "

Referring to FIG. 1 according to an embodiment of the present invention, a financial product subscription system for operating a financial product associated with the affiliated service includes a terminal including a terminal provided in at least one branch (or branch) of a financial institution. It comprises a device 197, the terminal device 197 is connected to the communication channel and the financial company server 100 provided on the financial product subscription 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 operating a financial product associated with the affiliated service, and through (or through) a window provided at the financial institution branch branch (branch branch). (E.g., a document with a form for filling in at least one information item for operating a financial product associated with the affiliated service) for a financial product operation associated with the affiliated service; In this case, it is desirable for the customer to seal the customer's seal for the legal basis for the financial instrument application.

Subsequently, when the customer submits the completed financial product application to the teller, the teller scans the financial product application through a predetermined image obtaining device to obtain predetermined image content, and through the predetermined teller terminal, Enter the financial product application information including at least one image content obtained in response to the financial product application, customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information entered in the financial product application ( Alternatively, the counter terminal may transmit the image content and the financial product application information to the financial company server 100 provided on the financial product subscription system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 185 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the financial product subscription system as described above, an image acquisition device for acquiring image contents corresponding to the financial product application form prepared by the customer, and a window terminal used by the employee and the window terminal and the financial company server 100 are connected. The financial network may perform a function of a financial product subscription interface for the customer to register financial product application information for financial product operation associated with the affiliate service.

The storage medium 190 provided on the financial product subscription system according to the present invention includes the customer information, the affiliated agency information, and the affiliated product (or service) included in the financial product application information provided from the terminal device 197. Information and at least one affiliated financial product operation information including at least one financial product information and financial account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 185 associated with the financial product subscription system in response to the customer. It is preferable to comprise as mentioned above.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the present invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or or the expected return rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or the affiliate by the customer subscribing to the affiliate product (or service). It is preferable to include various incentive information provided by the institution.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the financial product information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product application information through the financial product information, and basically includes a predetermined account number (or securities number). It is preferable.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product information, and the financial account is deposited by the beneficiary certificate. Preferably, the account attribute includes the beneficiary certificate attribute.

According to another embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

According to one embodiment of the invention, the storage medium 190 is preferably provided in a DBMS on the financial system 185 provided on the financial product entry system (or associated with the financial product subscription system), In this case, the storage medium 190 may be a ledger D / B (187) provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B (187), The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription 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 financial company server 100 provided on the financial product subscription system according to the present invention is a generic term for the components of the financial product subscription system side connected to the terminal device 197 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 exemplary embodiment of the present invention, when the terminal device 197 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 185. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 185, and / or a program provided in the external system on the financial system 185, Thereby, this invention is not limited.

According to the exemplary embodiment of the present invention, the financial company server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 197 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 197 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined 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. 1, when the predetermined terminal device 197 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 associates with the affiliated service. Acquires the image contents corresponding to the financial product application prepared by the customer through a predetermined image acquisition device provided in the terminal device 197 for operating the financial product, and applies the financial product application information corresponding to the financial product application. Generate (or extract) at least one user interface for input (or selection) to the financial institution server 100 and transmit the generated (or extracted) user interface in conjunction with the interface unit 105 to the terminal. The interface providing unit 110 provided to the device 197 and the terminal device 197 corresponds to the financial product application through the user interface The information receiving unit 115 receives the financial product application information transmitted from the terminal device 197 in connection with the interface unit 105 when the financial product application information is input (or selected) and transmitted. When the device 197 acquires and transmits image content corresponding to the financial product application written by the customer through a predetermined image acquisition device based on the user interface, the device 197 connects to the financial product application in association with the interface unit 105. And an image receiving unit 120 for receiving corresponding image contents.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the affiliated service to the financial institution server 100. When requesting a user interface for operating a linked financial product, an image content corresponding to the financial product application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device 197, and the image is applied to the financial product application. Generate at least one user interface for inputting (or selecting) corresponding financial instrument application information to the financial institution server 100 through the financial network, and / or extracting from a predetermined database (not shown); The terminal device 197 generates the user interface generated in conjunction with the interface unit 105 through the financial network. It characterized in that it provides.

According to another exemplary embodiment of the present invention, the terminal device 197 acquires image contents corresponding to the financial product application prepared by the customer through a predetermined image acquisition device, and obtains financial product application information corresponding to the financial product application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the financial institution server 100 through the financial network is provided, the predetermined image acquisition apparatus may be used as described above. Acquire (or extract) image content corresponding to the financial product application form prepared by the customer, and generate (or extract) a user interface for inputting (or selecting) financial product application information corresponding to the financial product application to the financial company server 100. The interface providing unit 110, which is provided to the terminal device 197, is omitted. Room, and to which the present invention is not limited.

Thereafter, the terminal device 197 inputs (or selects) financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the user interface. And transmits the input (or selected) financial product application information to the financial institution server 100 through the financial network. In response, the information receiving unit 115 is connected to the interface unit 105 in response to the terminal. And receive the financial instrument application information sent from the device 197.

In addition, the terminal device 197 obtains the image content corresponding to the financial product application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image content corresponding to the financial product application form in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 197 acquires image content corresponding to the financial product application written by the customer through a predetermined image acquisition device, and is provided to the terminal device 197 (or When the terminal device 197 is previously stored in a predetermined storage device, the terminal device 197 stores image contents corresponding to the financial product application form created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select and transmit to the financial institution server 100 through the financial network, in response to the image receiving unit 120 is preferably connected to the interface unit 105 to receive the image content corresponding to the financial product application form. Do.

According to another exemplary embodiment of the present invention, the terminal device 197 transmits the image content corresponding to the financial product application written by the customer and the financial product application information corresponding to the financial product application together through the user interface. In this case, the information receiver 115 may receive the image content corresponding to the financial instrument application and the financial instrument application information together with the interface unit 105 (for example, the image receiver 120 may receive the information). Integrated into the receiver 115), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution server 100 receives the financial instrument application information transmitted from the terminal device 197 through the information receiver 115, the received financial instrument application information is the affiliate service. It is characterized in that it comprises a validity check unit 125 to determine whether the validity for the financial product operation associated with.

According to an embodiment of the present invention, the validation of the financial product application information is at least one matching the financial product application information to the ledger D / B 187 on the financial system 185 associated with the financial product subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial product application information may be performed by checking the customer information (customer information, member information, etc.) included in the financial product application information on the financial system 185 linked with the financial product subscription system. It is preferable to include a check that matches the customer ledger stored in B (187).

In addition, the validity check of the financial product application information is the affiliated product (or service) provided by the affiliated institution in which the financial product corresponding to the financial product subscription information included in the financial product application information included in the financial product application information It is preferable to include a match with the financial product affiliated to be associated with.

Referring to FIG. 1, when the financial product application information received from the terminal device 197 is received through the information receiver 115, the financial company server 100 receives the received financial product application through a predetermined communication network. On the basis of the information characterized in that the customer is provided with an information confirmation unit 155 to determine whether the customer is provided with at least one or more affiliate products (or services) provided by the affiliated organization.

The information checking unit 155 connects a communication channel with an affiliate server 195 corresponding to the affiliated agency information included in the received financial product application information through a predetermined communication network, and connects the financial product to the affiliate server 195. By providing the customer information included in the application information, it is characterized in that whether the customer corresponding to the customer information is a customer receiving a partnership product (or service) included in the financial product application information.

According to another exemplary embodiment of the present invention, when the terminal device 197 is a terminal provided in the affiliated company, the information checking unit 155 provides at least one of the customer provided by the affiliated organization based on the financial product application information. The function of confirming whether the customer is provided with the above affiliated product (or service) may be omitted, and the present invention is not limited thereto.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device 197 through the image receiving unit 120, and requests the financial product through the validity checking unit 125. When the validity of the information is authenticated, the electronic document generator 130 generates a predetermined financial product electronic document including the received image content, and the generated financial product electronic document is associated with the financial product subscription system. It is characterized by comprising an electronic document transmission unit 135 for transmitting to the electronic document storage.

The electronic document generation unit 130 may generate a financial product electronic document including the image content received from the terminal device 197 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generating unit 130 associates the image file including the image content received from the terminal device 197 through the image receiving unit 120 with the affiliated service as it is. It is desirable to process the financial instrument electronic documents for the operation of the financial instrument.

Alternatively, the electronic document generation unit 130 is included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. Operate a financial product associated with the affiliate service with an image file corresponding to the image content including at least one of information, financial product subscription information, affiliate information, and affiliate product (or service) information by watermarking; It is desirable to create a financial instrument electronic document for a.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file including the image content received from the terminal device 197 through the image receiving unit 120 (eg, PDF) (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to generate a financial instrument electronic document for operating the financial instrument.

Alternatively, the electronic document generation unit 130 is included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. A predetermined document including image information including at least one of information, financial product subscription information, affiliate institution information, and affiliate product (or service) information by watermarking, 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 a financial product electronic document for operating a financial product associated with the affiliate service.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content received from the terminal device 197 through the image receiving unit 120 and the information receiving unit 115. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the financial instrument application information, or the MHT. By generating a web document file, etc.), it is preferable to generate a financial product electronic document for operating a financial product associated with the affiliated service.

Alternatively, the electronic document generation unit 130 is included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. Generating image content including at least one of information, financial product subscription information, affiliate institution information, and affiliate product (or service) information by watermarking; and generating the generated image content and the financial product application 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) Etc.), it is preferable to generate a financial instrument electronic document for operating the financial instrument associated with the affiliated service.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 130 and the technical features to generate a financial product electronic document of the image file format and / or a predetermined document file format, and the financial product Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the financial product electronic document generated by the electronic document generation unit 130 to a predetermined electronic document storage space associated with the financial product subscription system.

As shown in FIG. 1, the electronic document repository is connected to the financial company server 100 on the financial product subscription system with a predetermined electronic document server 160 and electronic document D / B 180 connected through predetermined communication means. When provided externally, the electronic document transmission unit 135 transmits the financial product electronic document generated by the electronic document generation unit 130 to the electronic document server 160 through the communication means. Characterized in that.

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the financial product subscription system, the electronic document server 160 and the electronic document D / B 180 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the financial product subscription system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the financial product electronic document in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the financial product subscription system, by which the present invention is not limited.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 135 may use the electronic document related information (eg, a financial product corresponding to the image content) to generate predetermined electronic document management information in the electronic document server 160. Customer information, and / or financial institution information transmitting the financial instrument electronic document, and / or electronic document file format information, and / or the financial instrument application information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 may verify that the financial product application information received through the information receiving unit 115 has a validity for operating a financial product associated with the affiliate service through the validity checking unit 125. Upon authentication, predetermined financial product information corresponding to the financial product is obtained based on the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information included in the validated financial product application information. The customer including the financial product information on the basis of the information generating unit 140 and the customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information included in the financial product application information. It is characterized by comprising a financial account processing unit 145 for opening and processing a financial account in the name.

When the validity of the financial product application information is confirmed by the validity confirming unit 125, the information generation unit 140 cooperates with the customer information, the financial product subscription information, and the affiliated organization information included in the financial product application information. And generating predetermined financial product information corresponding to the financial product based on the product (or service) information.

According to an exemplary embodiment of the present invention, if the financial product is at least one fund-related product, the information generating unit 140 cooperates with customer information, financial product subscription information, and affiliated agency information included in the financial product application information. Based on the product (or service) information, it is preferable to generate beneficiary certificate information corresponding to the financial product (e.g., the beneficiary certificate attribute including the predetermined stock number and the expected yield and subscription period corresponding to the fund). Do.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the information generating unit 140 may include customer information, financial product subscription information, and affiliated agency information included in the financial product application information. Deposit information (or savings information) corresponding to the financial product (e.g., account number corresponding to a predetermined deposit / storage and interest (or interest rate) corresponding to the deposit / storage) and subscription based on affiliated product (or service) information It is desirable to create a deposit (or deposit) attribute, including a period, etc.).

The financial account processing unit 145 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 185 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the financial product application information. It is characterized in that the opening and processing of a predetermined financial account for the operation of financial products associated with.

When the financial company server 100 and the financial system 185 exist in the same system according to an exemplary embodiment of the present invention, the financial account processing unit 145 is linked with the financial system 185 to ledger D / B. Preferably, at 187, a predetermined ledger including the financial product information is generated.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist on another system connected through a predetermined communication means, the financial account processor 145 may use predetermined communication means. It is preferable to request the ledger D / B 187 on the other financial system 185 to generate a predetermined ledger including the financial product information through an external system on the financial system 185.

Referring to FIG. 1, the financial institution server 100 may verify that the financial product application information received through the information receiving unit 115 has a validity for operating a financial product associated with the affiliate service through the validity checking unit 125. Upon authentication, the customer information included in the validity-certified financial product application information, the financial product information generated by the information generation unit 140 and the financial account information generated by the financial account processing unit 145 are displayed. And an information storage unit 150 for storing the at least one affiliated financial product operation information in a predetermined storage medium 190. When it is confirmed that at least one affiliate product (or service) provided by an affiliated institution is provided, the information storage unit 150 may operate the affiliate financial product information. It characterized in that it further includes storing the information in the financial product application information and partners affiliated products (or services) contained in the information.

When the validity of the financial product application information is confirmed by the validity confirming unit 125, the information storage unit 150 stores the affiliated financial product operation information including the customer information included in the financial product application information. The storage medium 190 is characterized in that the storage.

When it is confirmed by the information confirming unit 155 that the customer is provided with at least one or more affiliate products (or services) provided by the affiliated organization, the information storage unit 150 is in contact with the affiliated financial product operation information. And storing at least one affiliate information and at least one affiliate product (or service) information.

In addition, when the financial product information generated by the information generator 140 is generated, the information storage unit 150 further includes the generated financial product information in the affiliated financial product operation information. Preferably stored at 190.

In addition, when the financial account including the financial product information is opened in the ledger D / B 187 on the financial system 185, the information storage unit 150 opens the financial information opened in the affiliated financial product operation information. It is preferable to further store the account information in the storage medium 190.

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be configured as the storage medium 190. The storage medium 190 includes the customer information, the affiliated agency information, the affiliated product (or service) information included in the received financial product application information, and the affiliated financial product operation information including at least one of the financial product information and the financial account information. ) Is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 185, the information storage unit 150 is included in the received financial product application information. Providing information on the financial system 185 through the external system on the financial system 185 by providing customer information, partner institution information, alliance product (or service) information, and alliance financial product operation information including at least one of the financial product information and financial account information. It is preferable to store in the DBMS provided on the financial system 185.

Referring to FIG. 1, an electronic document server receiving a predetermined financial product electronic document from the financial company server 100 provided on the financial product subscription system and storing and managing the electronic document D / B 180 in a predetermined electronic document D / B 180 The electronic document receiving unit 165 for receiving a predetermined financial product electronic document from the financial institution server 100 through a predetermined communication means, and the electronic document D / B 180 for receiving the received financial product electronic document. Information generating unit 170 for generating predetermined electronic document management information for storage and management, and linking the electronic document management information with the financial product electronic document to a predetermined electronic document D / B 180. It is characterized by comprising an electronic document storage unit 175 to store.

The electronic document receiving unit 165 receives the financial product electronic document in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 165 through the communication means includes the image content received by the financial institution server 100 from the terminal device 197. It is preferable to include an image file as it is.

Alternatively, the financial product electronic document received by the electronic document receiver 165 through the communication means may be included in the financial product application information in the image content received by the financial company server 100 from the terminal device 197. It is preferable to include an image file corresponding to an image content including at least one or more information of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information by a watermarking method.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 165 through the communication means includes the image content received by the financial company server 100 from the terminal device 197. 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.

Alternatively, the financial product electronic document received by the electronic document receiver 165 through the communication means is a customer included in the financial product application information in the image content received by the financial institution server 100 from the terminal device 197. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more of information, financial product subscription information, affiliate information, and affiliate product (or service) information in a watermarking manner. ) File, 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 financial product electronic document received by the electronic document receiving unit 165 through the communication means may include an image content received by the financial company server 100 from the terminal device 197. 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 financial product application information, or an MHT; Web document files, etc.) to be included.

Alternatively, the financial product electronic document received by the electronic document receiver 165 through the communication means is a customer included in the financial product application information in the image content received by the financial institution server 100 from the terminal device 197. Image content including at least one of information, financial product subscription information, affiliate information, and affiliate product (or service) information by watermarking, and a predetermined document file including the financial product application information (eg, , 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). .

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 165 and the financial information through the electronic document receiving unit 165. And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 170 may refer to the financial product electronic document by referring to the financial company server 100 that transmits the financial product electronic document received through the electronic document receiving unit 165. It is preferable to identify the financial institution that has been transmitted 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 financial institution server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received electronic document. Document-related information (e.g., customer information for preparing a financial instrument application corresponding to the image content, and / or financial institution information for transmitting the financial instrument electronic document, and / or electronic document file format information, and / or the financial instrument It is preferable to generate the electronic document management information further including the application information).

The electronic document storage unit 175 processes the electronic product management information generated through the financial product electronic document received through the electronic document receiving unit 165 and the electronic document management information generated by the information generating unit 1700 in a predetermined electronic document D / It is characterized in that stored in the B (180).

According to the exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is received by the financial institution server 100 from the terminal device 197. It is preferable to include an image file including one image content as it is.

Alternatively, the financial product electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be included in the image content received by the financial institution server 100 from the terminal device 197. Including an image file corresponding to the image content that includes at least one or more information of the customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information included in the product application information by watermarking method; It is preferable to make.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is provided by the financial company server 100 from the terminal device 197. 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 financial product electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the financial product in the image content received by the financial institution server 100 from the terminal device 197. A predetermined document file including image content including at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the application 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 exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the financial company server 100 by the terminal device 197. A word including at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the financial instrument application information. Processor file, or a web document file including MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be included in the image content received by the financial institution server 100 from the terminal device 197. It includes the image content and the financial product application information including at least one or more information of the customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information included in the product application information by watermarking (Watermarking) method 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 an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the financial product electronic document is stored in the financial product electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the financial product electronic document is stored in the electronic product electronic document. It is preferable that the financial institution server 100 that transmits the financial institution electronic document confirmed by further comprising the information transmitted to the financial institution.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 100, the electronic document storage unit 175 processes the electronic document in association with the financial product electronic document. The electronic document management information stored in the D / B 180 may be configured to transmit the electronic document related information (for example, customer information in which a financial product application form corresponding to the image content is transmitted, and / or the financial product electronic document). Financial institution information, and / or electronic document file format information, and / or the financial instrument application information).

2 illustrates an implementation method in which a storage medium 190 for storing affiliate financial product operation information corresponding to a financial product subscribed in a face-to-face manner is provided in a DBMS on a financial system 185 according to an exemplary embodiment of the present invention. Drawing.

In more detail, in FIG. 2, the storage medium 190 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system 185 or the ledger D / B 200. In this case, the information structure for an embodiment of the method for storing the affiliated financial product operation information is stored in the ledger information provided in the ledger D / B (200), a person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer various information forming methods for storing the affiliated financial product operation information in the ledger D / B 200 by referring to and / or modifying the drawing 2, the present invention provides all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 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 185 is associated with a predetermined customer ledger and the customer ledger. An account ledger corresponding to a financial product subscribed through the financial product subscription system shown in FIG. 1 and at least one information associated with the account ledger are included, which is a general knowledge in the technical field to which the present invention pertains. If the person has, the ledger D / B (200) provided in the DBMS on the financial system 185 has at least one ledger (for example, receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in Figure 2 , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

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, and a minor.

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 associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( The number of days), periodical reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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, wherein the storage medium 190 is the ledger D / B 200 or includes an implementation method provided in the ledger D / B 200 according to an embodiment of the present invention. Affiliation comprising at least one of the customer information, the affiliated agency information, the affiliated product (or service) information and the financial product information and financial account information included in the financial product application information provided through the financial product subscription system shown in FIG. Financial product management information is stored in the form of additional information added to the account ledger.

In the embodiment illustrated in FIG. 2, when the storage medium 190 is the ledger D / B 200 or the ledger D / B 200, the customer is included in the affiliated financial product operation information. Since information is provided in the customer ledger and the financial account information is provided in the account ledger, the affiliated financial product information includes a predetermined account number for linking with the customer ledger (or account ledger) and the financial product information. And affiliated organization information and affiliated product (or service) information.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the present invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or or the expected return rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or the affiliate by the customer subscribing to the affiliate product (or service). It is preferable to include various incentive information provided by the institution.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the financial product information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, the financial product application information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

3 is a ledger D / B provided with a DBMS on a financial system 185 with a storage medium 305 for storing affiliate financial product operation information corresponding to financial instruments subscribed in a face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with 300.

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 305 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system 185. As shown in FIG. 3, if the person skilled in the art of the present invention belongs to the present invention, the affiliated financial product operation information may be stored in a predetermined database by referring to and / or modifying the drawing 3. It is possible to infer various information configuration methods for storing in association with 300, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates that it is not easy to store the affiliated financial product operation information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system 185 (eg, a policy of a financial institution). When it is not easy to change the ledger D / B 300 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 185), the predetermined database may be used instead of the ledger D / B 300. An implementation method of storing affiliate financial product operation information and linking and storing the database and the ledger D / B 300 is illustrated.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 185 as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of the skilled person, And / or 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.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 305 includes a database associated with the ledger D / B 300 provided in the DBMS on the financial system 185. And stores the customer information, the affiliated organization information, the affiliated product (or service) information included in the financial product application information, and the affiliated financial product operation information including at least one of the financial product information and the financial account information. Preferably, the affiliated financial instrument operation information further includes a CIF number corresponding to the ledger information in the affiliated financial instrument operation information in order to be processed in association with the ledger D / B 300.

In the method illustrated in FIG. 3, when the storage medium 305 includes a database associated with the ledger D / B 300 provided in the DBMS on the financial system 185, the database is provided through the CIF number. Since the customer information associated with the ledger D / B 300 and included in the affiliated financial product operation information is provided in the customer ledger, and the financial account information is provided in the account ledger, the affiliated financial product information is It is preferable to include a predetermined account number for linking with the customer ledger (or account ledger), the financial product information, the affiliated organization information and the affiliated product (or service) information.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operation account for providing incentives to the customer), and the name of the affiliated company, business registration number, and partner address. At least one representative name and the like are preferably included, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or or the expected return rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or the affiliate by the customer subscribing to the affiliate product (or service). It is preferable to include various incentive information provided by the institution.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include information on beneficiary certificates corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial product information corresponding to the financial product features and attributes, so a detailed description thereof will be omitted for convenience.

4 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 305 for storing affiliate financial instrument operation information corresponding to a financial instrument subscribed in a face-to-face manner according to another embodiment of the present invention. One drawing.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 305 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention 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 modifying the figure 4 Although it is possible to infer an information configuration method for the affiliated financial product operation information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 4, in which the storage medium 305 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is applied to the financial product application information. And storing the customer information, the affiliated organization information, the affiliated product (or service) information, and the affiliated financial product operation information including at least one of the financial product information and the financial account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 185 associated with the financial product subscription system in response to the customer. It is preferable to comprise as mentioned above.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the present invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or or the expected return rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or the affiliate by the customer subscribing to the affiliate product (or service). It is preferable to include various incentive information provided by the institution.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product. In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial product information corresponding to the financial product features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product application information through the financial product information, and basically includes a predetermined account number (or securities number). It is preferable.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product information, and the financial account is deposited by the beneficiary certificate. Preferably, the account attribute includes the beneficiary certificate attribute.

According to another embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

5A and 5B illustrate a financial product subscription process for operating a financial product associated with an affiliate service in a face-to-face manner according to one embodiment of the present invention.

5A and 5B show a terminal terminal in which a terminal device 197 on the financial product subscription system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to a counter terminal through a financial network, a predetermined customer may subscribe to a financial product for operating a financial product linked to an affiliated service. Fill out and submit a financial product application form that includes at least one piece of information, financial product subscription information, affiliate institution information, and affiliate product (or service) information. A system configuration for subscription processing, specifically, when the customer completes the financial product application form and submits it to the window, the window After acquiring the predetermined image content corresponding to the financial instrument application through a predetermined image acquisition device from the horse and transmitting the predetermined image content to the financial institution server 100, input the financial instrument application information corresponding to the financial instrument application (or pre- Select and transmit the data to the financial institution server 100, wherein the financial institution server 100 includes at least one of the customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information. The implementation method of subscribing to the financial product based on the information is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the financial product application information with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 5a and 5b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5 so that the customer may use the predetermined financial product application information including predetermined customer information and financial product subscription information. After subscribing to a predetermined financial product, the financial institution (or affiliated institution) registers the affiliated agency information and the affiliated product (or service) information through a predetermined information registration system and provides the financial product at the affiliated institution. While it may be possible to infer an implementation method associated with at least one affiliate product (or service), the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

5A and 5B illustrate a process of generating a predetermined electronic document corresponding to the financial instrument application and storing the electronic document in an electronic document storage, but the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product application information corresponding to the financial product application is described as being provided from the financial institution server 100. However, when a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, a certain customer includes at least one financial information including customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information for operating a financial product associated with an affiliate service. When the product application form is completed and submitted, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to finance the affiliated service corresponding to the financial product application. When the user interface request for product operation is requested (500), the server acquires predetermined image contents corresponding to the financial product application written by the customer through a predetermined image acquisition device in the terminal and transmits the predetermined image content to the server. Generating (or extracting) a user interface for creating a 505 and generating (or extracting) the same through the financial network. And outputs to send the user interface to the mobile station 510. The

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

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

Thereafter, the server inputs financial product application information including at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information corresponding to the financial product application matching the image content (or Selects and generates (or extracts) a user interface for transmission to the server (530), and transmits and outputs the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the user interface (540). .

If the financial instrument application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information is input (or selected) through the user interface (545), The input (or selected) financial product application information is transmitted to the server through the financial network (550).

Thereafter, the server receives and reads the financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the financial network. Validate for (555).

According to an embodiment of the present invention, the validity check of the financial product application information is at least one matching the financial product application information to the ledger D / B 300 on the financial system 185 associated with the financial product subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial product application information may be performed by checking the customer information (customer information, member information, etc.) included in the financial product application information on the financial system 185 linked with the financial product subscription system. It is preferably made to include matching with the customer ledger stored in B (300).

In addition, the validity check of the financial product application information is the affiliated product (or service) provided by the affiliated institution in which the financial product corresponding to the financial product subscription information included in the financial product application information included in the financial product application information It is preferable to include a match with the financial product affiliated to be associated with.

If the validity of the financial instrument application information is not authenticated (560), the server generates predetermined financial instrument error information and transmits it to the terminal (565), and the financial instrument subscription procedure corresponding to the financial instrument application information. Do not do it.

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

According to an exemplary embodiment of the present invention, the server uses an image file including the image content received from the terminal device 197 through the image receiving unit 120 as it is for operating a financial product associated with the affiliate service. It is desirable to process financial instruments electronically.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And an image file corresponding to an image content including at least one or more of affiliated agency information and affiliated product (or service) information in a watermarking manner, a financial product electronic document for operating a financial product associated with the affiliated service. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (for example, a Portable Document Format (PDF) file) including the image content received from the terminal device 197 through the image receiving unit 120. Or 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 desirable to create a financial instrument electronic document.

Alternatively, the server subscribes the customer information and the financial product included in the financial product application information received through the information receiving unit 115 to the image content received from the terminal device 197 through the image receiving unit 120. Generate image content including at least one of information, affiliated agency information, and affiliated product (or service) information by watermarking, and a predetermined document file (eg, PDF) including the generated image content. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to generate a financial instrument electronic document for operating the financial instrument.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 197 through the image receiving unit 120 and the financial product application information received through the information receiving unit 115. 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) By generating a), it is preferable to generate a financial product electronic document for operating a financial product associated with the affiliate service.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And generating at least one image content including at least one information of affiliated agency information and affiliated product (or service) information by a watermarking method, and a predetermined document including the generated image content and the financial product application information. 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 a financial product electronic document for operating a financial product associated with the affiliate service.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a financial instrument electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the financial instrument electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the financial product subscription system through predetermined communication means. In the case, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 160 through the communication means and stores the electronic document D / B 180 in the electronic document.

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 180, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the financial instrument electronic document in the electronic document repository may be performed by linking the generated financial instrument electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 180.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial instrument 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 financial instrument electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a financial product application form corresponding to the image content, and / or financial institution information for transmitting the financial product electronic document, and / or electronic). Document file format information, and / or the financial instrument application information).

If the financial product electronic document is stored in the electronic document repository (580), the server is based on the customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information included in the financial product application information In operation 585, predetermined financial product information corresponding to the financial product is generated.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the financial product application information. It is preferable to generate beneficiary certificate information corresponding to the financial product (eg, a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server may include customer information, financial product subscription information, affiliate institution information, and affiliated product (or service) included in the financial product application information. Deposit information (or deposit information) corresponding to the financial product based on the information (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage), and a subscription period. It is desirable to create a deposit (or deposit) attribute, etc.).

Thereafter, the server connects the financial product information based on the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information included in the financial product application information in connection with the financial system 185. A financial account under the customer's name is opened (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Checking the ledger), generating predetermined ledger information including the financial instrument information, and storing the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the financial product application information. Characterized in that the opening of a predetermined financial account for operating the financial product associated with the affiliated service.

When the server and the financial system 185 exist in the same system according to an exemplary embodiment of the present invention, the server transmits the financial product information to the ledger D / B 300 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 300 on the other financial system 185 to generate a predetermined account ledger including the financial product information through the external system.

Subsequently, the server may include the customer information, the affiliated organization information, the affiliated product (or service) information included in the financial product application information, and the financial product information and the financial account processor (generated by the information generator 170). In operation 595, the affiliated financial product operation information including at least one or more financial account information generated in operation 145 is stored in the predetermined storage medium 305.

According to an exemplary embodiment of the present invention, when the storage medium 305 is provided in the server or on a network associated with the server, the server includes the customer information included in the received financial product application information. Preferably, the storage medium 305 stores affiliated financial institution information, affiliated product (or service) information, and affiliated financial product operation information including at least one of the financial product information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on the financial system 185, the server includes the customer information and the affiliated agency included in the received financial product application information. The financial system 185 by providing information on the financial system 185 through the external system on the financial system 185, which provides information on the financial system 185 and the affiliated financial product operation information including at least one of the financial product information and the financial account information. It is preferable to store in the DBMS provided on the.

Thereafter, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the financial product, and / or details of storing the financial product electronic document in the electronic document repository, and / or the The details of storing the financial product application information on the storage medium 305) are generated (or extracted) and transmitted to the terminal (599).

According to one embodiment of the invention, the storage medium 305 is preferably provided in the DBMS on the financial system 185 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 305 may be a ledger D / B 300 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 300. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 305 is provided on (or associated with) the financial product subscription system, and / or a telebanking system, and / or a wireless banking 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.

6A and 6B illustrate a financial product subscription process for operating a financial product associated with an affiliate service in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device 197 on the financial product subscription system illustrated in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to a counter terminal through a financial network, a predetermined customer may subscribe to a financial product for operating a financial product linked to an affiliated service. Fill out and submit a financial product application form that includes at least one piece of information, financial product subscription information, affiliate institution information, and affiliate product (or service) information. A system configuration for subscription processing, specifically, when the customer completes the financial product application form and submits it to the window, the window In the end, input (or select) the financial product application information corresponding to the financial product application form and transmit it to the financial institution server 100, and then use the predetermined image acquisition device to obtain predetermined image content corresponding to the financial product application form. Obtaining and transmitting to the financial company server 100, the financial product server application information that includes at least one or more of the customer information, financial product subscription information, affiliated organization information and alliance product (or service) information in the financial company server 100 It shows an implementation method of processing the subscription to the financial product based on.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the financial product application information with the financial company server 100 at the teller terminal by referring to and / or modifying the figures 6a and 6b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 6a and 6b.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5 so that the customer may use the predetermined financial product application information including predetermined customer information and financial product subscription information. After subscribing to a predetermined financial product, the financial institution (or affiliated institution) registers the affiliated agency information and the affiliated product (or service) information through a predetermined information registration system and provides the financial product at the affiliated institution. Although it may be possible to infer an implementation method associated with at least one affiliate product (or service), the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

6A and 6B illustrate a process of generating a predetermined electronic document corresponding to the financial instrument application and storing the electronic document in an electronic document repository. However, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial product application information corresponding to the financial product application is described as being provided from the financial institution server 100. However, when a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information transmitted to the financial company server 100 are referred to as "financial product application information" for convenience.

6A and 6B, a financial product includes at least one customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information for a predetermined customer to operate a financial product associated with an affiliate service. When the application is completed and submitted, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to the financial product associated with the affiliated service corresponding to the financial product application. When the user interface for operation is requested (600), the server correspondingly at least one of customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information corresponding to the financial product application prepared by the customer User interface for inputting (or selecting) the financial product application information included above and transmitting it to the server Generate (or extract), and 605, and outputs through the financial network transmitting user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the user interface (615). .

If the financial product application information including at least one or more of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information is input (or selected) through the user interface (620), the terminal The financial instrument application information is transmitted (625) to the server through the financial network (625).

Thereafter, the server receives and reads the financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the financial network. Validate for (630).

According to an embodiment of the present invention, the validity check of the financial product application information is at least one matching the financial product application information to the ledger D / B 300 on the financial system 185 associated with the financial product subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial product application information may be performed by checking the customer information (customer information, member information, etc.) included in the financial product application information on the financial system 185 linked with the financial product subscription system. It is preferably made to include matching with the customer ledger stored in B (300).

In addition, the verification of the validity of the financial product application information is the financial product corresponding to the financial product subscription information included in the financial product application information provided by the affiliated organization (or service) provided by the affiliated agency included in the financial product application information It is preferable to include a match with the financial product affiliated to associate with).

If the validity of the financial instrument application information is not authenticated (635), the server generates predetermined financial instrument error information and transmits it to the terminal (640), and the financial instrument subscription information corresponding to the financial instrument application information. Do not do it.

On the other hand, if the validity of the financial product application information is authenticated (635), the server acquires the predetermined image content corresponding to the financial product application written by the customer through a predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

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

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

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

According to an exemplary embodiment of the present invention, the server uses an image file including the image content received from the terminal device 197 through the image receiving unit 120 as it is for operating a financial product associated with the affiliate service. It is desirable to process financial instruments electronically.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And an image file corresponding to an image content including at least one or more of affiliated agency information and affiliated product (or service) information in a watermarking manner, a financial product electronic document for operating a financial product associated with the affiliated service. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (for example, a Portable Document Format (PDF) file) including the image content received from the terminal device 197 through the image receiving unit 120. Or 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 create a financial instrument electronic document.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And generating at least one image content including at least one information of affiliated agency information and affiliated product (or service) information by a watermarking method, and including a predetermined document file (eg, PDF ( A Portable Document Format (EDI) 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 create financial instrument electronic documents for financial instrument operation.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 197 through the image receiving unit 120 and the financial product application information received through the information receiving unit 115. 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) By generating a), it is preferable to generate a financial product electronic document for operating a financial product associated with the affiliate service.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And generating at least one image content including at least one information of affiliated agency information and affiliated product (or service) information by a watermarking method, and a predetermined document including the generated image content and the financial product application information. 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 a financial product electronic document for operating a financial product associated with the affiliate service.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a financial instrument electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the financial instrument electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the financial product subscription system through predetermined communication means. In the case, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 160 through the communication means and stores the electronic document D / B 180 in the electronic document.

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 180, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the financial instrument electronic document in the electronic document repository may be performed by linking the generated financial instrument electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 180.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial product 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 financial instrument electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a financial product application form corresponding to the image content, and / or financial institution information for transmitting the financial product electronic document, and / or electronic). Document file format information, and / or the financial instrument application information).

If the financial product electronic document is stored in the electronic document repository (680), the server is connected to a predetermined affiliate server 195 corresponding to the received financial product application information through a predetermined communication network the customer said It is determined whether the customer is provided with at least one affiliate product (or service) provided by the affiliate institution (685).

According to an embodiment of the present invention, the server connects a communication channel with an affiliate server 195 corresponding to the affiliated agency information included in the received financial product application information through a predetermined communication network, and the affiliate server 195. By providing the customer information included in the financial product application information, it is characterized in that the customer corresponding to the customer information to determine whether the customer receives the affiliated product (or service) included in the financial product application information.

According to another exemplary embodiment of the present invention, when the terminal device 197 is a terminal provided in the affiliated company, the information checking unit 155 provides at least one of the customer provided by the affiliated organization based on the financial product application information. The function of confirming whether the customer is provided with the above affiliated product (or service) may be omitted, and the present invention is not limited thereto.

If the check result is that the customer is not a customer provided with the affiliate product (or service) (690), the server responds to the financial product based on the customer information and financial product subscription information included in the financial product application information. Predetermined financial product information is generated (692).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the financial product based on customer information and financial product subscription information included in the financial product application information. (E.g., a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores the deposit corresponding to the financial product based on the customer information and the financial product subscription information included in the financial product application information. Generating information (or savings information) (e.g., account number corresponding to a given deposit / storage, deposit (or savings) attribute, etc., including interest (or interest rate) corresponding to the deposit / storage) and subscription period, etc.) desirable.

On the other hand, if it is confirmed that the customer is the customer provided with the affiliated product (or service) (690), the server includes the customer information included in the financial product application information, financial product subscription information, affiliated agency information and the affiliated product (or Service information) generates predetermined financial product information associated with the affiliate product (or service) (694).

When the customer is a customer provided with the affiliated product (or service) according to the method of the present invention, the financial product information is the financial product information generated based on the customer information and financial product subscription information to the affiliated product ( Or service) revenues (or interest) generated by operating the financial product in the financial institution in response to the information includes financial product affiliate information for processing as a usage fee (or fee) for the affiliated product (or service). Or include the expected rate of return information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or when the customer subscribes to the affiliate product (or service). Therefore, it is preferable to include various incentive information provided by the affiliated institution.

Thereafter, the server opens and processes the financial account under the customer's name including the financial product information included in the financial product application information in association with the financial system 185 (696).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Checking the ledger), generating predetermined ledger information including the financial instrument information, and storing the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the financial product application information. Characterized in that the opening of a predetermined financial account for operating the financial product associated with the affiliated service.

When the server and the financial system 185 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial product information to the ledger D / B 300 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 300 on the other financial system 185 to generate a predetermined account ledger including the financial product information through the external system.

Subsequently, the server includes at least one financial product application information, the financial product information generated by the information generator 170 and the financial account information generated by the financial account processor 145. Operation information is generated and stored in a predetermined storage medium 305 (698).

The affiliated financial product operation information may include customer information included in the financial product application information, the financial product information generated based on the financial product subscription information, and financial account information including the financial product information. When the customer is identified as a customer who is provided with the affiliated product (or service), the affiliated organization information and the affiliated product (or service) information may be further included.

According to an exemplary embodiment of the present invention, when the storage medium 305 is provided in the server or on a network associated with the server, the server transmits the affiliated financial product operation information to the storage medium 305. It is desirable to store.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on the financial system 185, the server sends the affiliated financial product operation information to the external system on the financial system 185. It is desirable to provide the information system through and to store in the DBMS provided on the financial system 185.

Thereafter, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the financial product, and / or details of storing the financial product electronic document in the electronic document repository, and / or the The record storing the financial product application information in the storage medium 305) is generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 305 is preferably provided in the DBMS on the financial system 185 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 305 may be a ledger D / B 300 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 300. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 305 is provided on (or associated with) the financial product subscription system, and / or a telebanking system, and / or a wireless banking 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.

7A and 7B illustrate a financial product subscription process for operating a financial product associated with an affiliate service 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 in which a terminal device 197 on the financial product subscription system illustrated in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is provided in a predetermined manner. In the case of having a ledger server (not shown) function on the financial system 185 linked to a counter terminal through a financial network, a predetermined customer may subscribe to a financial product for operating a financial product linked to an affiliated service. Fill out and submit a financial product application form that includes at least one piece of information, financial product subscription information, affiliate institution information, and affiliate product (or service) information. A system configuration for subscription processing, specifically, when the customer completes the financial product application form and submits it to the window, the window After acquiring predetermined image contents corresponding to the financial product application form through a predetermined image obtaining apparatus, inputting (or selecting) financial product application information corresponding to the financial product application form, the image content and the financial unit. When the product application information is transmitted to the financial company server 100, the financial product server 100 includes at least one of the customer information, financial product subscription information, affiliate institution information, and affiliated product (or service) information. The implementation method of subscribing to the said financial product based on application information is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the financial product application information with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 7a and 7b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 7a and 7b.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5 so that the customer may use the predetermined financial product application information including predetermined customer information and financial product subscription information. After subscribing to a predetermined financial product, the financial institution (or affiliated institution) registers the affiliated agency information and the affiliated product (or service) information through a predetermined information registration system and provides the financial product at the affiliated institution. While it may be possible to infer an implementation method associated with at least one affiliate product (or service), the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, although the embodiment shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the financial instrument application and storing it in an electronic document storage, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product application information corresponding to the financial product application is described as being provided from the financial institution server 100. However, when a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information transmitted to the financial institution server 100 are referred to as "financial product application information" for convenience.

Referring to FIGS. 7A and 7B, a financial product including at least one customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information for a predetermined customer to operate a financial product associated with an affiliate service. When the application is completed and submitted, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to the financial product associated with the affiliated service corresponding to the financial product application. When requesting a user interface for operation (700), the server correspondingly inputs (or selects) the financial product application information corresponding to the financial product application prepared by the customer in the terminal, and through a predetermined image acquisition device User interface for acquiring predetermined image content corresponding to the financial product application form and transmitting it to the server An eS is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (710).

Thereafter, the terminal inputs (or selects) financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the user interface (715). .

If the financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information is input (or selected) through the user interface (720), the terminal An image content corresponding to the financial product application is obtained through a predetermined image acquisition device based on the user interface in operation 725.

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

Thereafter, the server receives and reads the financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the financial network. Validate for (740).

According to an embodiment of the present invention, the validity check of the financial product application information is at least one matching the financial product application information to the ledger D / B 300 on the financial system 185 associated with the financial product subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial product application information may be performed by checking the customer information (customer information, member information, etc.) included in the financial product application information on the financial system 185 linked with the financial product subscription system. It is preferably made to include matching with the customer ledger stored in B (300).

In addition, the validity check of the financial product application information is the affiliated product (or service) provided by the affiliated institution in which the financial product corresponding to the financial product subscription information included in the financial product application information included in the financial product application information It is preferable to include a match with the financial product affiliated to be associated with.

If the validity of the financial instrument application information is not authenticated (745), the server generates predetermined financial instrument error information and transmits it to the terminal (750), and the financial product registration procedure corresponding to the financial instrument application information. Do not do it.

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

According to an exemplary embodiment of the present invention, the server uses an image file including the image content received from the terminal device 197 through the image receiving unit 120 as it is for operating a financial product associated with the affiliate service. It is desirable to process financial instruments electronically.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And an image file corresponding to an image content including at least one or more of affiliated agency information and affiliated product (or service) information in a watermarking manner, a financial product electronic document for operating a financial product associated with the affiliated service. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (for example, a Portable Document Format (PDF) file) including the image content received from the terminal device 197 through the image receiving unit 120. Or 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 desirable to create a financial instrument electronic document.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And generating at least one image content including at least one information of affiliated agency information and affiliated product (or service) information by a watermarking method, and including a predetermined document file (eg, PDF ( A Portable Document Format (EDI) file, 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). It is desirable to generate a financial instrument electronic document for operating the financial instrument.

According to another exemplary embodiment of the present invention, the server may receive the financial product application information received through the image content and the information receiving unit 115 and the image content received from the terminal device 197 through the image receiving unit 120. 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) By generating a), it is preferable to generate a financial product electronic document for operating a financial product associated with the affiliate service.

Alternatively, the server may include customer information and financial product subscription information included in the financial product application information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. And generating at least one image content including at least one information of affiliated agency information and affiliated product (or service) information by a watermarking method, and a predetermined document including the generated image content and the financial product application information. By generating a 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, or a web document file including MHT) In addition, it is preferable to generate a financial product electronic document for operating a financial product associated with the affiliate service.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a financial instrument electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the financial instrument electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the financial product subscription system through predetermined communication means. In the case, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 160 through the communication means and stores the electronic document D / B 180 in the electronic document.

Alternatively, when the electronic document archive is provided on a DBMS provided in the financial product subscription system, the server corresponds to the generated electronic product archive on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 180, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the financial instrument electronic document in the electronic document repository may be performed by linking the generated financial instrument electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 180.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial instrument 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 financial instrument electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a financial product application form corresponding to the image content, and / or financial institution information for transmitting the financial product electronic document, and / or electronic). Document file format information, and / or the financial instrument application information).

If the financial product electronic document is stored in the electronic document repository (765), the server is connected to a predetermined affiliate server 195 corresponding to the received financial product application information through a predetermined communication network, the customer said Check whether the customer is provided with at least one affiliate product (or service) provided by the affiliate institution (770).

According to an embodiment of the present invention, the server connects a communication channel with an affiliate server 195 corresponding to the affiliated agency information included in the received financial product application information through a predetermined communication network, and the affiliate server 195. By providing the customer information included in the financial product application information, it is characterized in that the customer corresponding to the customer information to determine whether the customer receives the affiliated product (or service) included in the financial product application information.

According to another exemplary embodiment of the present invention, when the terminal device 197 is a terminal provided in the affiliated company, the information checking unit 155 provides at least one of the customer provided by the affiliated organization based on the financial product application information. The function of confirming whether the customer is provided with the above affiliated product (or service) may be omitted, and the present invention is not limited thereto.

If the customer is not the customer who is provided with the affiliate product (or service) as a result of the checking (775), the server corresponds to the financial product based on the customer information and financial product subscription information included in the financial product application information. Predetermined financial product information is generated (780).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the financial product based on customer information and financial product subscription information included in the financial product application information. (E.g., a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores the deposit corresponding to the financial product based on the customer information and the financial product subscription information included in the financial product application information. Generating information (or savings information) (e.g., account number corresponding to a given deposit / storage, deposit (or savings) attribute, etc., including interest (or interest rate) corresponding to the deposit / storage) and subscription period, etc.) desirable.

On the other hand, if it is confirmed that the customer is the customer provided with the affiliated product (or service) (775), the server includes the customer information included in the financial product application information, financial product subscription information, affiliated agency information and affiliated product (or Service information) generates predetermined financial product information associated with the affiliate product (or service) (785).

When the customer is a customer provided with the affiliated product (or service) according to the method of the present invention, the financial product information is the financial product information generated based on the customer information and financial product subscription information to the affiliated product ( Or service) revenues (or interest) generated by operating the financial product in the financial institution in response to the information includes financial product affiliate information for processing as a usage fee (or fee) for the affiliated product (or service). Or include the expected rate of return information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or when the customer subscribes to the affiliate product (or service). Therefore, it is preferable to include various incentive information provided by the affiliated institution.

Thereafter, the server opens and processes the financial account under the customer's name including the financial product information included in the financial product application information in association with the financial system 185 (790).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Checking the ledger), generating predetermined ledger information including the financial instrument information, and storing the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the financial product application information. Characterized in that the opening of a predetermined financial account for operating the financial product associated with the affiliated service.

When the server and the financial system 185 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial product information to the ledger D / B 300 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 300 on the other financial system 185 to generate a predetermined account ledger including the financial product information through the external system.

Subsequently, the server includes at least one financial product application information, the financial product information generated by the information generator 170 and the financial account information generated by the financial account processor 145. Operation information is generated and stored in a predetermined storage medium 305 (795).

The affiliated financial product operation information may include customer information included in the financial product application information, the financial product information generated based on the financial product subscription information, and financial account information including the financial product information. When the customer is identified as a customer who is provided with the affiliated product (or service), the affiliated organization information and the affiliated product (or service) information may be further included.

According to an exemplary embodiment of the present invention, when the storage medium 305 is provided in the server or on a network associated with the server, the server transmits the affiliated financial product operation information to the storage medium 305. It is desirable to store.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on the financial system 185, the server sends the affiliated financial product operation information to the external system on the financial system 185. It is desirable to provide the information system through and to store in the DBMS provided on the financial system 185.

Thereafter, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the financial product, and / or details of storing the financial product electronic document in the electronic document repository, and / or the The record storing the financial product application information in the storage medium 305) is generated (or extracted) and transmitted to the terminal (799).

According to one embodiment of the invention, the storage medium 305 is preferably provided in the DBMS on the financial system 185 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 305 may be a ledger D / B 300 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 300. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 305 is provided on (or associated with) the financial product subscription system, and / or a telebanking system, and / or a wireless banking 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.

8 is a diagram illustrating a non-face-to-face financial product subscription system for operating a financial product associated with an affiliate service according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates at least one affiliate service (eg, various communication services and their additions) provided by a predetermined customer (eg, various communication companies, etc.) affiliated with a financial institution corresponding to the financial product. The financial product application information including at least one of predetermined customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information through a predetermined financial product subscription interface. When provided to an institution, the financial institution subscribes to a financial product for financial product operation associated with the affiliated service based on the financial product application information, opens a predetermined financial account for managing the financial product, and The present invention relates to a system configuration for connecting a financial product and the affiliated product (or service). If one of ordinary skill in the art can refer to and / or modify this figure 8 to infer various implementation methods for the composition of the financial product subscription system for operating the financial products associated with the affiliate service, The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 so that the customer may use the predetermined financial product application information including predetermined customer information and financial product subscription information. After subscribing to a predetermined financial product, the affiliated organization information and the affiliated product (or service) information are registered through a predetermined information registration system provided by the financial institution (or affiliated institution), and the financial product is registered at the affiliated institution. Although it is possible to infer an implementation method associated with at least one affiliate product (or service) to be provided, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, if a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the figure 8 configuration of the financial product subscription system omitting the implementation method for keeping the financial product electronic document in the electronic document storage In addition, the electronic document storage is provided in the DBMS located in the financial product subscription system in addition to the implementation method shown in FIG. 8 even when the electronic product storage is stored in the electronic document storage. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the financial product electronic document is illustrated as being generated on the server side on the financial product subscription system, but the present invention is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) the financial product application information and transmits the generated electronic product document (eg, the electronic device generating function provided on the server side generates the financial product electronic document). The present invention is not limited thereto.

Hereinafter, receiving the financial product application information from the customer through a predetermined financial product subscription interface on the financial product subscription system shown in FIG. 8, the customer subscribes to the financial product, and the predetermined financial product corresponding thereto. At least one means for generating an electronic document and storing it in a predetermined electronic document storage and / or a component corresponding to a functional configuration is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a financial product subscription system for operating a financial product associated with the affiliated service includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 890 including at least one, the terminal device 890 is a communication channel with the financial company server 800 provided on the financial product subscription system through a predetermined network means Is connected.

According to an embodiment of the present invention, the customer connects to the financial institution 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 financial instrument application information is input (or selected) for operating the financial instrument associated with the affiliated service through at least one user interface provided by the financial institution server 800, the client terminal receives the financial instrument through predetermined network means. It is preferable to transmit to the financial institution server 800 provided on the product subscription system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 890 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 890 connected to an x-based portable Internet and / or all terminal devices 890 connected to an IEEE 802.11x-based wireless LAN, and 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 A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution 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 characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 800 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the 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.

The client terminal may output at least one user interface provided by the financial institution server 800, input and / or select at least one information through the user interface, and transmit the same to the financial institution 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 financial institution 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 financial product subscription system, 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 financial company server 800, and And / or the wireless communication network performs a function of a financial product subscription interface for registering the financial product application information for the customer to operate the financial product associated with the affiliate service.

According to another exemplary embodiment of the present invention, the terminal device 890 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. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the financial product subscription system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server The financial network connecting 800 performs a function of a financial product subscription interface for registering the financial product application information for the customer to operate the financial product associated with the affiliate service, and / or the terminal device 890. 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 financial company server 800 is the customer is the affiliated service And performs a function of a financial product subscription interface for registering financial product application information for financial product operation associated with the financial product, and / or with the financial institution that is the terminal device 890. In case of a terminal (and / or server) (not shown) provided in an affiliated institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial company server ( The network connecting 800 performs a function of a financial product subscription interface for registering the financial product application information for the financial product operation associated with the affiliate service.

The storage medium 885 provided on the financial product subscription system according to the present invention includes the customer information, affiliated agency information, and affiliated product (or service) included in the financial product application information provided from the terminal device 890. Information and at least one affiliated financial product operation information including at least one financial product information and financial account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 185 associated with the financial product subscription system in response to the customer. It is preferable to comprise as mentioned above.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service, or a mobile Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the present invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or or the expected return rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or the affiliate by the customer subscribing to the affiliate product (or service). It is preferable to include various incentive information provided by the institution.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial product information corresponding to the financial product features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product application information through the financial product information, and basically includes a predetermined account number (or securities number). It is preferable.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product information, and the financial account is deposited by the beneficiary certificate. Preferably, the account attribute includes the beneficiary certificate attribute.

According to another embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

According to one embodiment of the invention, the storage medium 885 is preferably provided in the DBMS on the financial system 185 provided on the financial product subscription system (or associated with the financial product subscription system), At this time, the storage medium 885 may be a ledger D / B 880 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 880, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 885 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the financial product subscription 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 financial company server 800 provided on the financial product subscription system according to the present invention is a generic term for the financial product subscription system-side components connected to the terminal device 890 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 terminal device 890 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 financial institution server 800 may be configured as described above. 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 access to the external system of the financial system 185 through the Internet banking system. A foreign system on the financial system 185 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system 185, thereby the present invention It shall not be limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is connected to the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 185 through the wireless banking system. A server provided in the external system on the financial system 185 which is a program in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external system on the financial system 185, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 may be connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the financial bank 185 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, 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 system on the system 185, and / or a program provided in the external system on the financial system 185, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 185 through the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 185 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 185, whereby the present invention is not limited.

According to the embodiment of the present invention, the financial institution server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 890 via the network means.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing 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. It is preferable.

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, 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 financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It 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 terminal device 890 is a financial automation 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 a 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 terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 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, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA 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 terminal device 890 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 wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and 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 terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when a predetermined terminal device 890 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 is associated with the affiliated service. Generate (or extract) at least one user interface for inputting (or selecting) predetermined financial product application information from the terminal device 890 to the financial institution server 800 for operating the financial product; An interface providing unit 810 for providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805, and the financial product through the user interface in the terminal device 890. The number of information for receiving the financial product application information transmitted from the terminal device 890 in connection with the interface unit 805 when the application information is input (or selected) and transmitted. Characterized in that formed by having a portion (815).

The interface provider 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then connects the affiliate service to the financial institution server 800. At least one requesting a user interface for operating a linked financial product, the terminal device 890 inputs (or selects) predetermined financial product application information to the financial company server 800 through the network means. The terminal apparatus 890 generates the above-described user interface and / or extracts it from a predetermined database (not shown), and the generated (or extracted) user interface in conjunction with the interface unit 805 via the network means. It is characterized by providing in).

According to an exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by 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 terminal device 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 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 by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 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 TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another exemplary embodiment of the present invention, the terminal apparatus 890 includes at least one user interface for inputting (or selecting) predetermined financial product application information to the financial institution server 800 through the network means. When a predetermined information registration program is provided, the terminal apparatus generates (or extracts) a user interface for inputting (or selecting) predetermined financial product application information and transmitting the predetermined financial product application information to the financial institution server 800 as described above. The interface providing unit 810 provided to 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 inputs (or selects) financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the user interface. And transmits the input (or selected) financial product application information to the financial institution server 800 through the network means, and correspondingly, the information receiving unit 815 is connected with the interface unit 805 to the terminal. Receive the financial instrument application information transmitted from the device 890.

According to an exemplary embodiment of the present invention, the terminal device 890 includes the financial company server in the financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information. At least one or more predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the financial product application information in (800) It is preferable to transmit to the financial institution server 800 through the network means.

According to an exemplary embodiment of the present invention, the terminal device 890 encrypts at least one financial product application information including at least one of the customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information. A 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, etc.), and / or the financial instrument application information. It is preferable to transmit a predetermined electronic signature to the financial institution server 800 through the network means, and for this purpose, the terminal device 890 includes at least one encryption key corresponding to the encryption method, or And / or have a predetermined certificate containing at least one encryption key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

Those skilled in the art to which the present invention pertains are familiar with the technical features of various encryption schemes for encrypting the financial product application information and the technical characteristics of attaching a predetermined electronic signature to the financial product application information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the financial institution server 800 receives the financial instrument application information transmitted from the terminal device 890 through the information receiver 815, the received financial product application information is the affiliate service. Characterized in that it comprises a validity check unit 820 to check whether the validity for the financial product operation associated with.

According to an embodiment of the present invention, the financial instrument application 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 key). When encrypted with an exchange-based encryption method, the validity confirming unit 820 may convert the encrypted financial instrument application information into at least one decryption method (for example, a symmetric key-based decryption method and / or corresponding to the encryption method). Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received financial instrument application information.

Alternatively, when a predetermined electronic signature is attached to the financial product application information, the validity verification unit 820 checks the electronic signature attached to the financial product application information, thereby validating the validity of the received financial product application information. It is desirable to authenticate.

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

According to an embodiment of the present invention, when the financial product application information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the financial product application information, the validity confirming unit 820 ) Compares and authenticates the password included in the financial product application information and the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received financial product application information.

Alternatively, when the financial product application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial product application information, the validity confirming unit 820 may determine the validity of the financial product application information. It is preferable to authenticate the validity of the received financial product application information by comparing and authenticating the received security card information included in the financial product application information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial product application information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the financial product application information, the validity confirming unit 820 may provide the financial information. The validity of the received financial product application information is verified by comparing and authenticating the received OTP code included in the product application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validation of the financial product application information is at least one matching the financial product application information to the ledger D / B 880 on the financial system 185 associated with the financial product subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial product application information may be performed by checking the customer information (customer information, member information, etc.) included in the financial product application information on the financial system 185 linked with the financial product subscription system. It is preferably made to include matching with the customer ledger stored in B (880).

In addition, the validity check of the financial product application information is the affiliated product (or service) provided by the affiliated institution in which the financial product corresponding to the financial product subscription information included in the financial product application information included in the financial product application information It is preferable to include a match with the financial product affiliated to be associated with.

Referring to FIG. 8, when the financial product application information received from the terminal device 890 is received through the information receiver 815, the financial institution server 800 receives the received financial product application through a predetermined communication network. Based on the information, the customer is provided with an information confirmation unit 850 to determine whether the customer is provided with at least one or more affiliate products (or services) provided by the affiliated organization.

The information checking unit 850 connects a communication channel with an affiliate server 195 corresponding to the affiliated agency information included in the received financial product application information through a predetermined communication network, and connects the financial product to the affiliate server 195. By providing the customer information included in the application information, it is characterized in that whether the customer corresponding to the customer information is a customer receiving the affiliate product (or service) included in the financial product application information.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a terminal provided in the affiliated company, the information checking unit 850 provides the customer with the affiliated organization based on the financial product application information. The function of confirming whether the customer is provided with the above affiliated product (or service) may be omitted, and the present invention is not limited thereto.

Referring to FIG. 8, when the validity of the financial product application information is authenticated through the validity verification unit 820, the financial institution server 800 includes the predetermined financial product electronics including the received financial product application information. And an electronic document transmitter 830 for generating a document, and an electronic document transmitter 830 for transmitting the generated financial instrument electronic document to an electronic document repository associated with the financial instrument subscription system. .

The electronic document generation unit 825 generates a financial product electronic document including the financial product application information received from the terminal device 890 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, financial product subscription information, affiliated agency information, and affiliated product (included in the financial product application information received through the information receiver 815). Or a document content including at least one information), and a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the document content. It is preferable to process a word processor file including at least one, or a web document file including an MHT, etc.) into a financial product electronic document for operating a financial product associated with the affiliated service.

Alternatively, the electronic document generator 825 may include at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the financial product application information received through the information receiver 815. Generate document content including the above, and watermarking at least one or more information of the customer information, financial product subscription information, affiliated organization information and affiliated product (or service) information included in the financial product application information in the document content The document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking, and the like. A word processing file, or a web document file containing an MHT), etc.) It is preferred to process with.

Alternatively, the electronic document generator 825 may include at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the financial product application information received through the information receiver 815. A financial product associated with the affiliated service may generate an image file including the image content and an image file including the image content (eg, the image content generated by capturing the document content on a memory). It is desirable to process the financial instrument electronic documents for operation.

Alternatively, the electronic document generator 825 may include at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the financial product application information received through the information receiver 815. The customer information and the financial product included in the financial product application information are generated in the document content including the above, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). After including at least one or more of the subscription information, the affiliated agency information and the affiliated product (or service) information by the watermarking method, an image file including the image content including the watermarking is associated with the affiliated service. It is desirable to process the financial instrument electronic documents for financial product operation.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information, financial product subscription information, affiliated agency information, and affiliated product included in the financial product application information received through the information receiving unit 815. (Or a service) a predetermined document including document content including at least one piece of information and including 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 a financial product electronic document for operating a financial product associated with the affiliated service.

Alternatively, the electronic document generator 825 may include at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the financial product application information received through the information receiver 815. The customer information and the financial product included in the financial product application information are generated in the document content including the above, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). A document file including image information including at least one or more of subscription information, affiliated agency information, and affiliated product (or service) information by a watermarking method, and including image content including the watermarking (eg, Or at least one Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC file. By creating a web page file, etc.) by including the word processor file, or to MHT, it is desirable to process electronic documents in financial instruments for financial instruments operate in conjunction with the Alliance.

According to another exemplary embodiment of the present invention, the electronic document generator 825 cooperates with customer information, financial product subscription information, and affiliated agency information included in the financial product application information received through the information receiver 815. Generating document content including at least one item of product (or service) information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the financial product application A predetermined document file including information (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 a web document including an MHT. File, etc.), it is preferable to process the financial product electronic document for financial product operation associated with the affiliated service.

Alternatively, the electronic document generator 825 may include at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the financial product application information received through the information receiver 815. The customer information and the financial product included in the financial product application information are generated in the document content including the above, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). Generating image content including at least one or more of subscription information, affiliate information, and affiliate product (or service) information by watermarking, and generating the image content including the watermarking and the financial product application information. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP) By generating a word processor file including at least one / DOC or the like, or a web document file including the MHT, etc.), it is preferable to process the financial product electronic document for the financial product operation associated with the affiliated service.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 825 for generating a financial product electronic document in an image file format and / or a predetermined document file format, and the financial product. Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 830 may transmit and store the financial product electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the financial product subscription system.

As shown in FIG. 8, the electronic document repository is connected to the financial institution server 800 on the financial product subscription system through a predetermined communication means, and the electronic document D / B 875 of the predetermined electronic document server 855. When provided externally, the electronic document transmission unit 830 transmits the financial product electronic document generated by the electronic document generation unit 825 to the electronic document server 855 via the communication means. Characterized in that.

Here, when the electronic document server 855 and the electronic document D / B 875 is provided outside the financial product subscription system, the electronic document server 855 and the electronic document D / B 875 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. It is possible to store the financial product electronic document in the electronic document D / B 875 corresponding to the electronic document storage on the DBMS provided in the financial product subscription system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 may input the electronic document related information (eg, the financial product application information) for generating predetermined electronic document management information in the electronic document server 855 ( The customer information, and / or financial institution information for transmitting the financial instrument electronic document, and / or electronic document file format information, and / or the financial product application information, etc.). It is possible to transmit to, by which the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 may verify that the financial product application information received through the information receiving unit 815 is valid for operating the financial product associated with the affiliate service through the validity checking unit 820. Upon authentication, predetermined financial product information corresponding to the financial product is obtained based on the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information included in the validated financial product application information. The information generation unit 835 to generate the customer including the financial product information based on the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information included in the financial product application information; It is characterized in that it comprises a financial account processing unit 840 for opening and processing a financial account in the name.

When the validity of the financial product application information is confirmed by the validity confirming unit 820, the information generator 835 cooperates with the customer information, the financial product subscription information, and the affiliated organization information included in the financial product application information. And generating predetermined financial product information corresponding to the financial product based on the product (or service) information.

According to an exemplary embodiment of the present invention, if the financial product is at least one fund-related product, the information generator 835 may include customer information, financial product subscription information, affiliated agency information, and affiliated product information included in the financial product application information. (Or service) it is preferable to generate beneficiary certificate information corresponding to the financial product (e.g., a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period, etc.) corresponding to the fund. .

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the information generator 835 may include the customer information, the financial product subscription information, and the affiliated agency information included in the financial product application information. Deposit information (or savings information) corresponding to the financial product (e.g., account number corresponding to a predetermined deposit / storage and interest (or interest rate) corresponding to the deposit / storage) and subscription based on affiliated product (or service) information It is desirable to create a deposit (or deposit) attribute, including a period, etc.).

The financial account processing unit 840 generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or checks a customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the financial product application information. It is characterized in that the opening and processing of a predetermined financial account for the operation of financial products associated with.

When the financial institution server 800 and the financial system 185 exist in the same system according to an exemplary embodiment of the present invention, the financial account processing unit 840 is linked with the financial system 185 to ledger D / B. In 880, it is preferable to generate a predetermined ledger including the financial product information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 185 exist on another system connected through a predetermined communication means, the financial account processor 840 may use predetermined communication means. It is preferable to request the ledger D / B 880 on the other financial system 185 to create a predetermined account ledger including the financial product information through the external system on the financial system 185 through.

Referring to FIG. 8, the financial institution server 800 may verify that the financial product application information received through the information receiving unit 815 is valid for operating the financial product associated with the affiliate service through the validity checking unit 820. Upon authentication, the customer information included in the validity-certified financial product application information, the financial product information generated by the information generator 835, and the financial account information generated by the financial account processor 840. And an information storage unit 845 for storing the at least one affiliated financial product operation information in a predetermined storage medium 885, and as a result of confirming the information confirmation unit 850, When it is confirmed that at least one affiliate product (or service) provided by an affiliated institution is provided, the information storage unit 845 may operate the affiliate financial product information. It characterized in that it further includes storing the information in the financial product application information and partners affiliated products (or services) contained in the information.

When the validity of the financial product application information is confirmed by the validity confirming unit 820, the information storage unit 845 receives the affiliated financial product operation information including the customer information included in the financial product application information. It is characterized in that the storage in the storage medium (885).

If it is confirmed by the information confirming unit 850 that the customer is provided with at least one or more affiliate products (or services) provided by the affiliated organization, the information storage unit 845 displays the affiliated financial product operation information. And storing at least one affiliate information and at least one affiliate product (or service) information.

In addition, when the financial product information generated by the information generator 835 is generated, the information storage unit 845 further includes the generated financial product information in the affiliated financial product operation information. It is preferable to store it at (885).

In addition, when the financial account including the financial product information is opened in the ledger D / B 880 on the financial system 185, the information storage unit 845 opens the opened financial information in the affiliated financial product operation information. It is preferable to further store the account information in the storage medium 885.

According to an exemplary embodiment of the present invention, when the storage medium 885 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 885. The storage medium 885 includes the customer information, the affiliated organization information, the affiliated product (or service) information included in the received financial product application information, and the affiliated financial product operation information including at least one of the financial product information and the financial account information. ) Is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 885 is provided in the DBMS provided on the financial system 185, the information storage unit 845 includes the information contained in the received financial product application information. Providing information on the financial system 185 through the external system on the financial system 185 by providing customer information, partner institution information, alliance product (or service) information, and alliance financial product operation information including at least one of the financial product information and financial account information. It is preferable to store in the DBMS provided on the financial system 185.

Referring to FIG. 8, an electronic document server which receives a predetermined financial product electronic document from the financial company server 800 provided on the financial product subscription system and stores and manages the electronic document D / B 875 in a predetermined electronic document ( 855, an electronic document receiver 860 for receiving a predetermined financial instrument electronic document from the financial institution server 800 through a predetermined communication means, and the electronic document D / B 875 for receiving the received financial instrument electronic document. Information generating unit 865 for generating predetermined electronic document management information for storage and management, and the electronic document management information and the financial product electronic document in association with the predetermined electronic document D / B 875. It is characterized by comprising an electronic document storage unit 870 for storing.

The electronic document receiving unit 860 may receive a financial product electronic document in the form of an image file and / or a document file from the financial institution server 800 through the communication means.

According to the exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 860 through the communication means is the financial product application information received by the financial institution server 800 from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic) containing document content including at least one or more of customer information, financial product subscription information, affiliate institution information and affiliate product (or service) information included in the 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 financial product electronic document received by the electronic document receiver 860 through the communication means may include customer information and financial product included in the financial product application information received by the financial institution server 800 from the terminal device 890. Customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information included in the financial product application information in document content including at least one subscription information, affiliated agency information, and affiliated product (or service) information. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or A word processor file including at least one HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the financial product electronic document received by the electronic document receiving unit 860 through the communication means may include customer information and financial product included in the financial product application information received by the financial company server 800 from the terminal device 890. An image including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of subscription information, affiliate information, and affiliate product (or service) information. It is preferable to include a file.

Alternatively, the financial product electronic document received by the electronic document receiver 860 through the communication means may include customer information and financial product included in the financial product application information received by the financial institution server 800 from the terminal device 890. The financial product includes image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of subscription information, affiliate information, and affiliate product (or service) information. After including at least one or more information of the customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information included in the application information in a watermarking method, and includes the image content including the watermarking It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 860 through the communication means is the financial product application information received by the financial company server 800 from the terminal device 890. Image content (e.g., the document content is captured on the memory) that captures document content including at least one of customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information included in the document 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 HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, the financial product electronic document received by the electronic document receiver 860 through the communication means may include customer information and financial product included in the financial product application information received by the financial institution server 800 from the terminal device 890. The financial product includes image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of subscription information, affiliate information, and affiliate product (or service) information. Generate image content including at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the application information by a watermarking method, wherein the watermarking is included. Document files (eg, Portable Document Format (PDF) files, or EDI (Electronic Data Interchang) files containing embedded image content e) a file, or 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 financial product electronic document received by the electronic document receiving unit 860 through the communication means is applied for the financial product received by the financial company server 800 from the terminal device 890. Image content (e.g., the document content is captured on a memory) which captures document content including at least one of customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information included in the information. Word containing at least one or more of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content) and the financial product application information. Processor file, or a web document file including MHT).

Alternatively, the financial product electronic document received by the electronic document receiver 860 through the communication means may include customer information and financial product included in the financial product application information received by the financial institution server 800 from the terminal device 890. The financial product includes image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of subscription information, affiliate information, and affiliate product (or service) information. Generate image content including at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the application information by a watermarking method, wherein the watermarking is included. A document file (e.g., a Portable Document Format (PDF) file) containing the image content and the financial product application 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).

The information generating unit 865 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 860, and the financial information through the electronic document receiving unit 860 And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 865 refers to the financial product electronic document by referring to the financial company server 800 that has transmitted the financial product electronic document received through the electronic document receiving unit 860. It is preferable to identify the financial institution that has been transmitted 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 financial institution server 800 through the electronic document receiving unit 860, the information generating unit 865 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the financial instrument application information, and / or financial institution information transmitting the financial instrument electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the financial product application information).

The electronic document storage unit 870 associates a financial product electronic document received through the electronic document receiving unit 860 with electronic document management information generated by the information generating unit 865 to process a predetermined electronic document D /. It is characterized in that stored in the B (875).

According to the exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is received by the financial institution server 800 from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one of customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information included in a financial product application 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 financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is included in the financial product application information received by the financial institution server 800 from the terminal device 890. Affiliated with customer information, financial product subscription information and affiliated agency information included in the financial product application information in document content including at least one customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information After including at least one or more information of the product (or service) information in a watermarking manner, a document file (for example, a PDF (Portable Document Format) file, or EDI (Document File) containing document content including the watermarking). Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is included in the financial product application information received by the financial institution server 800 from the terminal device 890. Image content (e.g., an image generated by capturing the document content on a memory), which captures document content including at least one of customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information It is preferably made to include an image file containing the content).

Alternatively, the financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is included in the financial product application information received by the financial institution server 800 from the terminal device 890. Image content (e.g., an image generated by capturing the document content on a memory), which captures document content including at least one of customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information Contents) includes at least one or more of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information included in the financial product application information in a watermarking manner. It is preferable to include an image file including the included image content.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is the financial company server 800 from the terminal device 890. Image content (eg, the document content) which captures document content including at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the received financial product application 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 financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is included in the financial product application information received by the financial institution server 800 from the terminal device 890. Image content (e.g., an image generated by capturing the document content on a memory), which captures document content including at least one of customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information Content) includes image information including at least one or more of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the financial product application information in a watermarking manner. A document file (eg, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interch)) containing the 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 financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is the financial company server 800 by the terminal device 890. Image content (e.g., the document) which captures document content including at least one of customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information included in the financial product application information received from A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the contents of the image captured by capturing the content on a memory and the financial product application information. And at least one word processor file or at least one web document file including the MHT.

Alternatively, the financial product electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is included in the financial product application information received by the financial institution server 800 from the terminal device 890. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one customer information, financial product subscription information, affiliate institution information, and affiliated product (or service) information. Image content) to generate image content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the financial product application information in a watermarking manner. And a document file (eg, a Portable Document Format (PDF) file containing the watermarking image content and the financial product application information). It comprises a, or EDI (Electronic Data Interchange) file, or HWP / DOC, etc. Web document file, and so on) that include the word-processor file, or MHT comprising at least one are preferred.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by the electronic document storage unit 870 in association with the financial product electronic document is stored in the financial product electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by processing the electronic document storage unit 870 in association with the financial product electronic document is the financial product electronic document. It is preferable that the financial institution server 800 that transmits the financial institution electronic document confirmed by further comprising the information transmitted to the financial institution.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 870 processes the electronic document by linking with the financial product electronic document. The electronic document management information stored in the D / B 875 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the financial product application information and / or the financial product electronic document). Financial institution information to be transmitted, and / or electronic document file format information, and / or the financial instrument application information).

9 illustrates an implementation method in which a storage medium 885 for storing affiliate financial product operation information corresponding to a financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system 185 according to an embodiment of the present invention. One drawing.

In more detail, in FIG. 9, the storage medium 885 illustrated in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system 185 or the ledger D / B 900. In this case, the information structure for an implementation method of storing the affiliated financial product operation information in the ledger information provided in the ledger D / B 900 is illustrated, and a person having ordinary knowledge in the technical field to which the present invention belongs. If it is possible to infer various information forming methods for storing the affiliated financial product operation information in the ledger D / B 900 by referring to and / or modifying the drawing 9, the present invention provides all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 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 185 is associated with a predetermined customer ledger and the customer ledger. An account ledger corresponding to a financial product subscribed through the financial product subscription system shown in FIG. 8 and at least one information associated with the account ledger are included. If the person has, the ledger D / B (900) provided in the DBMS on the financial system 185 has at least one ledger (for example, receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

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. Including at least one 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 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 associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( The number of days), periodical reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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.

According to an exemplary embodiment of the present invention, the storage medium 885 is the ledger D / B 900, or includes an implementation method provided in the ledger D / B 900. An affiliate comprising at least one of the customer information, the affiliated agency information, the affiliated product (or service) information, and the financial product information and the financial account information included in the financial product application information provided through the financial product subscription system shown in FIG. Financial product management information is stored in the form of additional information added to the account ledger.

In the method shown in FIG. 9, when the storage medium 885 is the ledger D / B 900 or the ledger D / B 900, the customer is included in the affiliated financial product operation information. Since information is provided in the customer ledger and the financial account information is provided in the account ledger, the affiliated financial product information includes a predetermined account number for linking with the customer ledger (or account ledger) and the financial product information. And affiliated organization information and affiliated product (or service) information.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the present invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or, including the expected rate of return information (or interest rate information) that is increased by the customer by subscribing to the affiliate product (or service), or by the customer by subscribing to the affiliate product (or service). It is desirable to include various incentive information provided by affiliated institutions.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial product information corresponding to the financial product features and attributes, so a detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, the financial product application information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

10 illustrates a ledger D / S equipped with a DBMS on a financial system 185 having a storage medium 1005 for storing affiliate financial product operation information corresponding to a financial product subscribed in a non-face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with B 1000.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 1005 illustrated in FIG. 8 includes a predetermined database linked to the ledger D / B 1000 provided in the DBMS on the financial system 185. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 to write the affiliated financial product operation information in a predetermined database to the ledger D / B ( 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 affiliated financial product operation information in the ledger information of the ledger D / B 1000 on the DBMS provided on the financial system 185 (for example, the policy of the financial institution). When it is not easy to change the ledger D / B 1000 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 185), the predetermined database may be used instead of the ledger D / B 1000. An implementation method of storing affiliate financial product operation information and linking and storing the database and the ledger D / B 1000 is illustrated.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on the financial system 185 as in the embodiment shown in FIG. 10, and according to the intention of the person skilled in the art, the database on the Internet banking system; And / or 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.

According to another exemplary embodiment of the present invention, referring to FIG. 10, the storage medium 1005 includes a database associated with the ledger D / B 1000 provided in the DBMS on the financial system 185. And store the customer information, the affiliated organization information, the affiliated product (or service) information included in the financial product application information, and the affiliated financial product operation information including at least one of the financial product information and the financial account information. Preferably, the affiliated financial instrument operation information further includes a CIF number corresponding to the ledger information in the affiliated financial instrument operation information in order to be linked to the ledger D / B 1000.

In the method illustrated in FIG. 10, when the storage medium 1005 includes a database associated with the ledger D / B 1000 provided in the DBMS on the financial system 185, the database is provided through the CIF number. Since the customer information associated with the ledger D / B 1000 and included in the affiliated financial product operation information is provided in the customer ledger, and the financial account information is provided in the account ledger, the affiliated financial product information is It is preferable to include a predetermined account number for linking with the customer ledger (or account ledger), the financial product information, the affiliated organization information and the affiliated product (or service) information.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the present invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or or the expected return rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or the affiliate by the customer subscribing to the affiliate product (or service). It is preferable to include various incentive information provided by the institution.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the financial product information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

11 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 1005 for storing affiliate financial product operation information corresponding to a financial product subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. The figure is shown.

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 Although it is possible to infer an information configuration method for the affiliated financial product operation information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 11, in which the storage medium 1005 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is applied to the financial product application information. And storing the customer information, the affiliated organization information, the affiliated product (or service) information, and the affiliated financial product operation information including at least one of the financial product information and the financial account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 185 associated with the financial product subscription system in response to the customer. It is preferable to comprise as mentioned above.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to one embodiment of the present invention, the profit (or interest) generated by operating the financial product in the financial institution is preferably treated as a usage fee (or fee) for the affiliated product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). Revenue (or interest) generated by operating the financial instrument at the financial institution in response to the information may include financial product affiliation information for processing as a usage fee (or fee) for the affiliated product (or service) or Or or the expected return rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or the affiliate by the customer subscribing to the affiliate product (or service). It is preferable to include various incentive information provided by the institution.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial product information corresponding to the financial product features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product application information through the financial product information, and basically includes a predetermined account number (or securities number). It is preferable.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product information, and the financial account is deposited by the beneficiary certificate. It is preferable that the account attribute comprises the beneficiary certificate attribute.

According to another embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

12A and 12B illustrate a financial product subscription processing process for operating a financial product associated with an affiliate service in a non-face-to-face manner according to one embodiment of the present invention.

12A and 12B illustrate a web in which a terminal device 890 on the financial product subscription system shown in FIG. 8 is a client terminal, and the financial institution server 800 is accessible to a client terminal through a predetermined network means. In the case of having a server function, a predetermined customer subscribes to a financial product for operating a financial product associated with an affiliated service through the client terminal. If the financial product application information including at least one service) information is provided, the financial product subscription system includes at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information. The gold for operating a financial product associated with the affiliate service based on the financial product application information The present invention relates to an implementation method for processing a subscription. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b to the financial company server 800 from the client terminal. Various implementation methods for registering the financial product application 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. 12A and 12B.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 12 so that the customer may use the predetermined financial product application information including predetermined customer information and financial product subscription information. After subscribing to a predetermined financial product, the financial institution (or affiliated institution) registers the affiliated agency information and the affiliated product (or service) information through a predetermined information registration system and provides the financial product at the affiliated institution. While it may be possible to infer an implementation method associated with at least one affiliate product (or service), the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

12A and 12B illustrate a process of generating a predetermined electronic document corresponding to the financial instrument application information and storing the predetermined electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

12A and 12B, the client terminal receives a user interface for inputting (or selecting) the financial instrument application information through a predetermined web page provided by the financial institution server 800. Although illustrated as being illustrated, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, and the present invention is not limited thereto.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information transmitted to the financial institution server 800 are referred to as "financial product application 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 a web page including a user interface for operating a financial product associated with an affiliate service is requested (1200), the server correspondingly requests the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information. A web page comprising a user interface for inputting (or selecting) financial product application information including at least one of Generate (or extract), and 1205, and outputs via the network unit transmits a web page including a user interface, the generated (or extracted) to the mobile station 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 financial product application information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) financial product application information including at least one or more customer information, financial product subscription information, affiliate institution information, and affiliate product (or service) information through a user interface included in the web page. (1215).

If the terminal receives (or selects) financial product application information including the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the user interface (1220), the terminal The input (or selected) customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information are transmitted to the server through the communication channel (1225).

According to an embodiment of the present invention, the terminal is the financial product application information from the server to the financial product application information that includes at least one or more of the customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the server through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, at least one financial product application information including at least one of the customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) 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. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a certified certificate, and / or have a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, at least one financial product application information including at least one of the customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) 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 preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains are familiar with the technical features of various encryption schemes for encrypting the financial product application information and the technical characteristics of attaching a predetermined electronic signature to the financial product application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the communication channel to confirm the validity of the financial product application information (1230).

According to an embodiment of the present invention, the financial instrument application 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 key). When encrypted with an exchange-based encryption scheme, the server may convert the encrypted financial instrument application information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption 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 financial product application information.

Alternatively, when a predetermined electronic signature is attached to the financial product application information, the server may verify the validity of the received financial product application information by checking the electronic signature attached to the financial product application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial product application information, and technical features for confirming an electronic signature attached to the financial product application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the financial product application 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 financial product application information, the server is the financial product It is preferable to authenticate the validity of the received financial product application information by comparing and authenticating the received password included in the application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the financial product application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial product application information, the server may apply to the financial product application information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial product application information.

Alternatively, when the financial product application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the financial product application information, the server is included in the financial product application information. It is preferable to authenticate the validity of the received financial product application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity confirmation of the financial product application information is at least one matching the financial product application information to the ledger D / B (1000) on the financial system 185 associated with the financial product subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial product application information may be performed by checking the customer information (customer information, member information, etc.) included in the financial product application information on the financial system 185 linked with the financial product subscription system. It is preferable to include a check that matches the customer ledger stored in B (1000).

In addition, the validity check of the financial product application information is the affiliated product (or service) provided by the affiliated institution in which the financial product corresponding to the financial product subscription information included in the financial product application information included in the financial product application information It is preferable to include a match with the financial product affiliated to be associated with.

If the validity of the financial product application information is not authenticated (1235), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1240), and performs the financial product subscription procedure. I never do that.

On the other hand, if the validity of the financial product application information is authenticated (1235), the server provides at least one or more customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information including the financial product application information A predetermined document content including the document content is generated (1245), and a predetermined financial product electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server may include document content including at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the received financial product application 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 files, etc.) is preferably processed as a financial product electronic document for financial product operation associated with the affiliated service.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. Documents including the watermarking after including at least one or more information of the customer information, financial product subscription information, affiliated institution information and affiliated product (or service) information included in the financial product application information, the watermarking method; 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 preferably processed as a financial product electronic document for financial product operation associated with the affiliated service.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) into a financial product electronic document for operating a financial product associated with the affiliate service. .

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. In the captured image contents (eg, the image contents generated by capturing the document contents on a memory), the customer information included in the financial product application information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) After including at least one of the information in a watermarking (Watermarking) method, and processing an image file containing the image content including the watermarking as a financial product electronic document for operating the financial products associated with the affiliated service desirable.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the received financial product application 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. A financial product for operating a financial product associated with the affiliate service by generating 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) It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. In the captured image contents (eg, the image contents generated by capturing the document contents on a memory), the customer information included in the financial product application information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) 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, or MHT. By generating a web document file, etc.), it is preferable to process the financial product electronic document for financial product operation associated with the affiliated service.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the received financial product application information. A predetermined document file (e.g., PDF (e.g., PDF) containing content generated from the document content, the image content captured by capturing the document content (e.g., image content generated by capturing the document content on a memory) and the financial product application information. A Portable Document Format (EDI) 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 process the financial instrument electronic documents for financial product operation.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. Captured image content (e.g., image content generated by capturing the document content on a memory) includes customer information included in the financial product application information, financial product subscription information, affiliate information, and affiliated product (or service). Generate image content including at least one or more of the information by a watermarking method, and include a document file (eg, PDF (Portable Document Format) including the watermarking image content and the financial product application information. War) file, or at least one including an EDI (Electronic Data Interchange) file, HWP / DOC, etc. By generating a deprocessor file, or a web document file including the MHT), it is preferable to process the financial product electronic document for financial product operation associated with the affiliate service.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a financial instrument electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the financial instrument electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 connected to a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 855 through the communication means and stores in the electronic document D / B (875).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 875, whereby the present invention is not limited.

According to the method of the present invention, storing the financial instrument electronic document in the electronic document storage, the electronic document D shown in Fig. Preferably stored in / B 875.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial instrument 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 financial instrument electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the financial product application information, and / or financial institution information transmitting the financial product electronic document, and / or Or electronic document file format information, and / or the financial instrument application information).

If the financial product electronic document is stored in the electronic document repository (1260), the server is connected to a predetermined affiliate server 195 corresponding to the received financial product application information through a predetermined communication network to the customer. Check whether the customer receives at least one affiliate product (or service) provided by the affiliate institution (1265).

According to an embodiment of the present invention, the server connects a communication channel with an affiliate server 195 corresponding to the affiliated agency information included in the received financial product application information through a predetermined communication network, and the affiliate server 195. By providing the customer information included in the financial product application information, it is characterized in that the customer corresponding to the customer information to determine whether the customer receives the affiliated product (or service) included in the financial product application information.

According to another embodiment of the present invention, when the terminal device 890 is a terminal provided in the affiliated company, the information checking unit 850 provides at least the customer provided by the affiliated organization based on the financial product application information. The function of checking whether the customer is provided with at least one affiliate product (or service) may be omitted, and the present invention is not limited thereto.

If the check result indicates that the customer is not a customer who is provided with the affiliate product (or service) (1270), the server responds to the financial product based on the customer information and the financial product subscription information included in the financial product application information. Predetermined financial product information is generated (1275).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the financial product based on customer information and financial product subscription information included in the financial product application information. (E.g., a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores the deposit corresponding to the financial product based on the customer information and the financial product subscription information included in the financial product application information. Generating information (or savings information) (e.g., account number corresponding to a given deposit / storage, deposit (or savings) attribute, etc., including interest (or interest rate) corresponding to the deposit / storage) and subscription period, etc.) This is preferable.

On the other hand, if it is confirmed that the customer is the customer who is provided with the affiliate product (or service) (1270), the server includes the customer information included in the financial product application information, the financial product subscription information, the affiliated organization information and the affiliated product (or Based on the service) information, generates predetermined financial product information associated with the affiliate product (or service) (1280).

When the customer is a customer provided with the affiliated product (or service) according to the method of the present invention, the financial product information is the financial product information generated based on the customer information and financial product subscription information to the affiliated product ( Or service) revenues (or interest) generated by operating the financial product in the financial institution in response to the information includes financial product affiliate information for processing as a usage fee (or fee) for the affiliated product (or service). Or include the expected rate of return information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or when the customer subscribes to the affiliate product (or service). Therefore, it is preferable to include various incentive information provided by the affiliated institution.

Thereafter, the server opens and processes a financial account under the customer's name including the financial product information included in the financial product application information in connection with the financial system 185 (1285).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Checking the ledger), generating predetermined ledger information including the financial instrument information, and storing the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the financial product application information. Characterized in that the opening of a predetermined financial account for operating the financial product associated with the affiliated service.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial product information to the ledger D / B 1000 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 1000 on the other financial system 185 to generate a predetermined account ledger including the financial product information through the external system.

Subsequently, the server includes at least one financial product application information, the financial product information generated by the information generator 865 and financial account information generated by the financial account processor 840. Operation information is generated and stored in a predetermined storage medium 1005 (1290).

The affiliated financial product operation information may include customer information included in the financial product application information, the financial product information generated based on the financial product subscription information, and financial account information including the financial product information. When the customer is identified as a customer who is provided with the affiliated product (or service), the affiliated organization information and the affiliated product (or service) information may be further included.

According to an embodiment of the present invention, when the storage medium 1005 is provided in the server or on a network associated with the server, the server sends the affiliated financial product operation information to the storage medium 1005. It is desirable to store.

According to another exemplary embodiment of the present invention, when the storage medium 1005 is provided in a DBMS provided on the financial system 185, the server sends the affiliated financial product operation information to the external system on the financial system 185. It is desirable to provide the information system through and to store in the DBMS provided on the financial system 185.

Thereafter, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the financial product, and / or details of storing the financial product electronic document in the electronic document repository, and / or the The record storing the financial product application information on the storage medium 1005) is generated (or extracted) and transmitted to the terminal (1295).

According to one embodiment of the invention, the storage medium 1005 is preferably provided in a DBMS on the financial system 185 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 1005 may be a ledger D / B 1000 provided in a DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 1000. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1005 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription 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.

13A, 13B, and 13C illustrate a financial product subscription process for operating a financial product associated with an affiliate service according to one embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case where the financial product subscription system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial product subscription shown in FIG. 8). In the case where the financial institution server 800 on the system is an Internet banking server, 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. Thereafter, when the client terminal transmits predetermined financial product application information to the Internet banking server in order to subscribe to a financial product for financial product operation associated with the affiliate service, the Internet banking server subscribes to the customer information and the financial product. Financial product application information that includes at least one piece of information, affiliate information and affiliate product (or service) information; Based on the implementation method for processing the subscription to the financial product for the operation of the financial product associated with the affiliated service based on those who have ordinary knowledge in the technical field to which the present invention belongs, Figures 13a, 13b and 13c Although various implementation methods of registering the financial instrument application information through other types of non-face-to-face financial transaction channels by reference and / or modification may be inferred, the present invention includes all the implementation methods inferred from this figure. And the embodiment shown in FIGS. 13B and 13C.

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. 13A, 13B, and 13C, Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial product application information between the client terminal and the Internet banking server based on the browser program is shown, those of ordinary skill in the art to which the present invention pertains. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13a, 13b, and 13c. And internet banking standing Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering financial product application information therebetween, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

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 an implementation method for linking non-face-to-face channel-based financial transaction channels for registration of financial product subscription information. It 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 non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

In addition, if those of ordinary skill in the art to which the present invention pertains, the customer may refer to and / or modify the drawing 12 so that the customer may use the predetermined financial product application information including predetermined customer information and financial product subscription information. After subscribing to a predetermined financial product, the financial institution (or affiliated institution) registers the affiliated agency information and the affiliated product (or service) information through a predetermined information registration system and provides the financial product at the affiliated institution. While it may be possible to infer an implementation method associated with at least one affiliate product (or service), the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

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 financial institution server 800 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 then 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 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 (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 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 (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 a method of attaching a predetermined digital signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server and / or at least one or more encryption schemes. (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 the financial product application 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 also provided from the terminal to the server for registration of financial product application information. 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 (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 that transmits and registers predetermined financial product application information for operating a financial product associated with an affiliated service from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for operating a financial product associated with the affiliated service to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly requests the customer information. And generating (or selecting) financial product application information including at least one financial product subscription information, affiliate institution information, and affiliate product (or service) information and transmitting the same to the server. Or 1305b), and transmits and outputs a web page 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) financial product application information including at least one of customer information, financial product subscription information, affiliate institution information, and affiliated product (or service) information in the terminal. It is preferable to include a user interface, and / or a predetermined password and / or security card information (e.g., Internet banking application to verify the validity for the Internet banking customer requesting to register the financial product application information) The security card information printed on the security card issued to the customer in the process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application) And a user interface for inputting a one-time password generated through an OTP authentication program). It is preferred.

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

Thereafter, the terminal inputs (or selects) financial product application information including at least one of the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the financial product subscription interface (1315b). ).

If the terminal receives (or selects) financial product application information including the customer information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) information through the user interface (1320b), the terminal The financial product application information input (or selected) is transmitted to the server through the financial transaction channel (1325b).

According to an embodiment of the present invention, the terminal is the financial product application information from the server to the financial product application information that includes at least one or more of the customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the server through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, at least one financial product application information including at least one of the customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) 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. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a certified certificate, and / or have a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, at least one financial product application information including at least one of the customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) 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 equipped with a chip (or IC card), check the official certificate provided with the IC chip (or IC card) It is preferably provided with a card reader for group.

Those skilled in the art to which the present invention pertains are familiar with the technical features of various encryption schemes for encrypting the financial product application information and the technical characteristics of attaching a predetermined electronic signature to the financial product application information. Since it will be, a detailed description thereof will be omitted for convenience.

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

According to an embodiment of the present invention, the financial instrument application 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 key). When encrypted with an exchange-based encryption scheme, the server may convert the encrypted financial instrument application information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption 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 financial product application information.

Alternatively, when a predetermined electronic signature is attached to the financial product application information, the server may verify the validity of the received financial product application information by checking the electronic signature attached to the financial product application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial product application information, and technical features for confirming an electronic signature attached to the financial product application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the financial product application 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 financial product application information, the server is the financial product It is preferable to authenticate the validity of the received financial product application information by comparing and authenticating the received password included in the application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the financial product application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial product application information, the server may apply to the financial product application information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial product application information.

Alternatively, when the financial product application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the financial product application information, the server is included in the financial product application information. It is preferable to authenticate the validity of the received financial product application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity confirmation of the financial product application information is at least one matching the financial product application information to the ledger D / B (1000) on the financial system 185 associated with the financial product subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial product application information may be performed by checking the customer information (customer information, member information, etc.) included in the financial product application information on the financial system 185 linked with the financial product subscription system. It is preferable to include a check that matches the customer ledger stored in B (1000).

In addition, the validity check of the financial product application information is the affiliated product (or service) provided by the affiliated institution in which the financial product corresponding to the financial product subscription information included in the financial product application information included in the financial product application information It is preferable to include a match with the financial product affiliated to be associated with.

If the validity of the financial product application information is not authenticated (1335b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1340b) and performs the financial product subscription procedure. I never do that.

On the other hand, if the validity of the financial product application information is authenticated (1335b), the server provides at least one or more customer information, financial product subscription information, affiliated agency information and affiliated product (or service) information including the financial product application information. Generate a predetermined document content including (1345b), and generates a predetermined financial product electronic document containing the document content (1350c).

According to an exemplary embodiment of the present invention, the server may include document content including at least one of customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the received financial product application 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 files, etc.) is preferably processed as a financial product electronic document for financial product operation associated with the affiliated service.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. Documents including the watermarking after including at least one or more information of the customer information, financial product subscription information, affiliated institution information and affiliated product (or service) information included in the financial product application information, the watermarking method; 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 preferably processed as a financial product electronic document for financial product operation linked to the affiliated service.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) into a financial product electronic document for operating a financial product associated with the affiliate service. .

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. In the captured image contents (eg, the image contents generated by capturing the document contents on a memory), the customer information included in the financial product application information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) After including at least one of the information in a watermarking (Watermarking) method, and processing the image file containing the image content including the watermarking as a financial product electronic document for operating the financial products associated with the affiliate service desirable.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the received financial product application 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. A financial product for operating a financial product associated with the affiliate service by generating 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) It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. In the captured image contents (eg, the image contents generated by capturing the document contents on a memory), the customer information included in the financial product application information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) 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, or MHT. By generating a web document file, etc.), it is preferable to process the financial product electronic document for financial product operation associated with the affiliated service.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, financial product subscription information, affiliated agency information, and affiliated product (or service) information included in the received financial product application information. A predetermined document file (e.g., PDF (e.g., PDF) containing content generated from the document content, the image content captured by capturing the document content (e.g., image content generated by capturing the document content on a memory) and the financial product application information. A Portable Document Format (EDI) 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 process the financial instrument electronic documents for financial product operation.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, affiliated organization information, and affiliated product (or service) information included in the received financial product application information, and the document content. In the captured image contents (eg, the image contents generated by capturing the document contents on a memory), the customer information included in the financial product application information, the financial product subscription information, the affiliated organization information, and the affiliated product (or service) Create image content including at least one or more information of the information by a watermarking method, and a document file (for example, PDF (Portable Document Format) containing the watermarking image content and the financial product application information) War that includes at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. By generating a deprocessor file, or a web document file including the MHT), it is preferable to process the financial product electronic document for financial product operation associated with the affiliate service.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a financial instrument electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the financial instrument electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 connected to a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 855 through the communication means and stores in the electronic document D / B (875).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 875, whereby the present invention is not limited.

According to the method of the present invention, storing the financial instrument electronic document in the electronic document storage, the electronic document D shown in Fig. Preferably stored in / B 875.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial instrument 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 financial instrument electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the financial product application information, and / or financial institution information transmitting the financial product electronic document, and / or Or electronic document file format information, and / or the financial instrument application information).

If the financial product electronic document is stored in the electronic document repository (1360c), the server is connected to a predetermined affiliate server 195 corresponding to the received financial product application information through a predetermined communication network. Check whether the customer is provided with at least one affiliate product (or service) provided by the affiliate institution (1365c).

According to an embodiment of the present invention, the server connects a communication channel with an affiliate server 195 corresponding to the affiliated agency information included in the received financial product application information through a predetermined communication network, and the affiliate server 195. By providing the customer information included in the financial product application information, it is characterized in that the customer corresponding to the customer information to determine whether the customer receives the affiliated product (or service) included in the financial product application information.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a terminal provided in the affiliated company, the information checking unit 850 provides the customer with the affiliated organization based on the financial product application information. The function of confirming whether the customer is provided with the above affiliated product (or service) may be omitted, and the present invention is not limited thereto.

If the check result indicates that the customer is not a customer who is provided with the affiliate product (or service) (1370c), the server responds to the financial product based on the customer information and the financial product subscription information included in the financial product application information. Predetermined financial product information is generated (1375c).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the financial product based on customer information and financial product subscription information included in the financial product application information. (E.g., a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores the deposit corresponding to the financial product based on the customer information and the financial product subscription information included in the financial product application information. Generating information (or savings information) (e.g., account number corresponding to a given deposit / storage, deposit (or savings) attribute, etc., including interest (or interest rate) corresponding to the deposit / storage) and subscription period, etc.) desirable.

On the other hand, if it is confirmed that the customer is the customer who is provided with the affiliate product (or service) (1370c), the server includes the customer information included in the financial product application information, the financial product subscription information, the affiliated organization information and the affiliated product (or Service information) generates predetermined financial product information associated with the affiliate product (or service) (1380c).

When the customer is a customer provided with the affiliated product (or service) according to the method of the present invention, the financial product information is the financial product information generated based on the customer information and financial product subscription information to the affiliated product ( Or service) revenues (or interest) generated by operating the financial product in the financial institution in response to the information includes financial product affiliate information for processing as a usage fee (or fee) for the affiliated product (or service). Or include the expected rate of return information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or when the customer subscribes to the affiliate product (or service). Therefore, it is preferable to include various incentive information provided by the affiliated institution.

Thereafter, the server opens and processes a financial account under the customer's name including the financial product information included in the financial product application information in connection with the financial system 185 (1385c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 185 (or a customer provided with matching customer information). Checking the ledger), generating predetermined ledger information including the financial instrument information, and storing the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the financial product application information. Characterized in that the opening of a predetermined financial account for operating the financial product associated with the affiliated service.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial product information to the ledger D / B 1000 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 1000 on the other financial system 185 to generate a predetermined account ledger including the financial product information through the external system.

Subsequently, the server includes at least one financial product application information, the financial product information generated by the information generator 865 and financial account information generated by the financial account processor 840. The operation information is generated and stored in the predetermined storage medium 1005 (1390c).

The affiliated financial product operation information may include customer information included in the financial product application information, the financial product information generated based on the financial product subscription information, and financial account information including the financial product information. When the customer is identified as a customer who is provided with the affiliated product (or service), the affiliated organization information and the affiliated product (or service) information may be further included.

According to an embodiment of the present invention, when the storage medium 1005 is provided in the server or on a network associated with the server, the server sends the affiliated financial product operation information to the storage medium 1005. It is desirable to store.

According to another exemplary embodiment of the present invention, when the storage medium 1005 is provided in a DBMS provided on the financial system 185, the server sends the affiliated financial product operation information to the external system on the financial system 185. It is desirable to provide the information system through and to store in the DBMS provided on the financial system 185.

Thereafter, the server records predetermined financial product registration details (eg, a history of opening a financial account corresponding to the financial product, and / or a history of storing the financial product electronic document in the electronic document repository, and / or the The record storing the financial product application information on the storage medium 1005) is generated (or extracted) and transmitted to the terminal (1395c).

According to one embodiment of the invention, the storage medium 1005 is preferably provided in a DBMS on the financial system 185 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 1005 may be a ledger D / B 1000 provided in a DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 1000. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1005 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription 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.

14 is a diagram illustrating a financial product operating system for operating a financial product associated with an affiliate service according to an embodiment of the present invention.

In more detail, FIG. 14 is based on the financial product information provided in the financial system of affiliated financial products subscribed to through the financial product input system shown in FIGS. 1 and / or 8, wherein the storage medium ( Based on the affiliated financial product operation information stored in 1430, proceeds (or interest) generated by operating the financial product associated with the affiliated service as a usage fee (or fee) for a predetermined affiliated product (or service), or Or by applying the expected rate of return information (or interest rate information) upwardly increased by the customer subscribing to the affiliate product (or service), or by the customer subscribing to the affiliate product (or service). The present invention relates to a system configuration that operates to provide various incentives provided by the affiliated institution to the customer. Those skilled in the art will be able to infer various implementation methods for the financial product operation system for financial product operation linked with the affiliated service by referring to and / or modifying the drawing 14. Is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, the storage medium 1430 is not registered through the financial product subscription system shown in FIGS. 1 and / or 8 but may be registered through a predetermined information registration system provided by the financial institution (or affiliated institution). The present invention is not limited thereto.

Referring to FIG. 14 according to an embodiment of the present invention, the financial product management system may include a financial account corresponding to an affiliated financial product subscribed through the financial product subscription system shown in FIGS. 1 and / or 8. A financial system, a storage medium for storing the affiliate financial product operation information, and a financial product associated with the affiliate service based on the affiliate financial product operation information stored in the storage medium 1430 in association with the financial system; Estimated rate of return raised by operating the proceeds (or interest) resulting from the operation as a usage fee (or fee) for a given affiliate product (or service) or by the customer subscribing to the affiliate product (or service). Applying information (or interest rate information) to the affiliate financial product, or by the customer subscribing to the affiliate product (or service). It is characterized in that it comprises a financial product management server 1400 that operates to provide the customer with various incentives provided by the affiliated institution.

Here, the storage medium 1430 is provided in the ledger D / B 1000 on the financial system, or in a predetermined database associated with the ledger D / B 1000 according to the intention of the skilled person, or at least It is all possible to be provided on one or more banking system, whereby the present invention is not limited.

In addition, the financial product management server 1400 is a financial product management server 1400 on the financial product subscription system shown in FIGS. 1 and / or 8, or the financial product shown in FIGS. 1 and / or 8 It may be a separate server that operates the affiliated financial product in connection with the operation server 1400, or achieves the financial product operation associated with the affiliated service, whereby the present invention is not limited.

In addition, in FIG. 14, the financial instrument operating server 1400 is configured to operate the affiliated financial product based on the financial product information in connection with the financial system, and the affiliated financial stored in the storage medium 1430. Periodically check the product operation information to include all of the functional configuration to achieve the financial product operation associated with the affiliated service, but by this the invention is not limited, the financial product management server 1400 is each It is clear that the functional configuration of the can be made through a separate server (or device).

The financial system is a general term for the computer system in which the financial account opened through the financial product subscription system shown in Figs. 1 and / or 8 is opened, and basically the branch (and / or branch) of the financial institution. Characterized in that it is connected through at least one or more window terminals provided through a predetermined financial network (for example, the bank network), and provides a face-to-face financial transaction service for at least one or more financial transaction customers through the window terminal.

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial 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. 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.) 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 a ledger D / B 1000 for storing at least one ledger, wherein the ledger D / B 1000 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 1000 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The storage medium 1430 may include customer information, affiliated agency information, affiliated product (or service) information, and the financial product information and financial account information registered through the financial product subscription system shown in FIGS. 1 and / or 8. Characterized in that it stores the affiliate financial product management information including at least one.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system associated with the financial product subscription system corresponding to the customer by It is preferable to make.

The affiliated agency information is affiliated information that provides at least one or more affiliated products associated with the financial product to the customer, or provides at least one or more affiliated services. The affiliated server 195 information and the affiliated organization financial account information ( For example, a financial account for billing and settlement of the fee (or fee) for the affiliated product (or service), or an incentive operating account for providing incentives to the customer), the name of the affiliated company, a business registration number, an affiliate address, It is preferable to include at least one or more representative names and the like, and it is preferable to further include the contents of the alliance between the affiliated institution and the financial institution.

According to an embodiment of the present invention, the affiliated agency provides the customer with a wired communication service (eg, high speed internet service, etc.), or a wireless communication service (eg, mobile communication service, or HSDPA (High-Speed Downlink Packet Access) based wireless). It is preferable to include a communication company that provides a data communication service or a portable Internet service).

According to another exemplary embodiment of the present invention, the affiliated institution includes all affiliates (eg, portal companies, shopping malls, etc.) that provide tangible or intangible goods (or services) to the customer by cooperating with the financial institution other than the communication company. It is possible to achieve, and the present invention is not limited thereby.

Preferably, the affiliated product (or service) information includes at least one or more types / intangible product information or service information provided to the customer by the affiliated institution.

According to an exemplary embodiment of the present invention, it is preferable that a profit (or interest) generated by operating the financial instrument at the financial institution is treated as a usage fee (or fee) for a predetermined affiliate product (or service).

According to another exemplary embodiment of the present invention, when the customer subscribes to the affiliate product (or service), an expected rate of return (or interest rate) of the financial product is increased, or various incentives provided by the affiliate institution are provided. It is desirable to apply to financial instruments.

The financial product information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to subscribe to through the financial product application information, and the financial product information is the affiliated product (or service). It includes financial product partnership information for processing the proceeds (or interest) generated by operating the financial product in the financial institution in response to the information as a usage fee (or fee) for a predetermined affiliate product (or service) Loss rate information or interest rate information (or interest rate information) that is increased by the customer subscribing to the affiliate product (or service), or by the customer subscribing to the affiliate product (or service). It is desirable to include various incentive information provided by affiliated institutions.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined security number and an expected return rate corresponding to the fund). And the nature of beneficiary certificates, including subscription periods, etc.).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product information includes deposit information (or saving information) corresponding to the deposit / saving product (eg, a predetermined deposit / saving product). And a deposit (or deposit) attribute, such as an account number corresponding to the deposit and deposit corresponding interest (or interest rate), a subscription period, and the like.

The financial product information may further include financial product basic information including a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product, and the financial product management institution, or the financial product may include In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial product information corresponding to the financial product features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product application information through the financial product information, and basically includes a predetermined account number (or securities number). It is preferable.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product information, and the financial account is deposited by the beneficiary certificate. It is preferable that the account attribute comprises the beneficiary certificate attribute.

According to another embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

Referring to FIG. 14, the financial product operation server 1400 may include an interface unit 1405 for connecting and managing a predetermined customer terminal 1435 and a predetermined communication channel through a predetermined communication network, and the financial system. And a financial product management unit 1420 for operating the affiliated financial product based on the financial product information established through the financial product subscription system shown in FIGS. 1 and / or 8, and the financial service associated with the affiliated service. A financial product verification unit 1425 for verifying whether a predetermined profit is generated in the financial product in connection with the financial system for product operation, or confirming that an expiration date of the financial product arrives, and a financing associated with the affiliate service And an information confirmation unit 1415 for confirming the affiliated financial product operation information stored in the storage medium 1430 for a product operation. Receiving predetermined incentive providing information from a predetermined affiliate server 195 through a predetermined communication network to provide various incentives provided by the affiliated institution to the customer by joining the affiliated product (or service). It is characterized in that it further comprises an information receiving unit 1410.

According to the implementation method of the present invention, the financial product operation server 1400 may be configured as a separate server (or means) for each functional configuration according to the intention of the skilled person, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, when the customer terminal 1435 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 1405 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired 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 transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, 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 financial product management server 1400, the interface unit 1405 may be connected to the client terminal based on the TCP / IP 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 customer terminal 1435 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 is based on a protocol stack defined in the wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1405 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 financial product operation server 1400, the interface unit 1405 is based on the CDMA protocol. And a communication channel and provide 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 customer terminal 1435 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides 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 customer terminal 1435 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1405 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

The financial product management unit 1420 withdraws a predetermined amount (eg, investment amount, or financial instrument deposit amount) from a predetermined customer account in connection with the customer terminal 1435 and the financial system, thereby providing the affiliated financial product. Deposit money into a financial account (or financial product management account, etc.) corresponding to the management information, generate a financial product investment history corresponding to the deposit, and record in the ledger corresponding to the financial product information provided on the financial system. It is characterized by.

According to one embodiment of the present invention, when the affiliated financial product is an accumulation type, the financial product management unit 1420 periodically (or at the time of accumulation of the affiliated financial product) from a predetermined customer account in connection with the financial system Withdraw a predetermined payment amount and deposit it into the financial account (or financial product management account, etc.), generate a financial product investment history corresponding to the deposit details, and respond to the financial product information provided on the financial system. Characterized in the ledger.

In addition, the financial product management unit 1420 is connected to the customer terminal 1435 and the financial system in accordance with the policy of the financial product management institutions (eg, fund management institutions, etc.) corresponding to the affiliated financial products. The investment amount deposited into an account (or a financial product management account, etc.) is invested as a financial product investment target included in the partner financial product operation information, and a corresponding financial product investment history is generated to be provided on the financial system. It is preferable to record in the ledger of the financial instrument management account and / or the financial instrument information corresponding to the investment amount.

In order to process the proceeds (or interest) generated by operating a financial product associated with the affiliated service according to an embodiment of the present invention as a usage fee (or fee) for a predetermined affiliated product (or service), the financial product The verification unit 1425 checks whether a predetermined profit (eg, investment return or interest income, etc.) corresponding to the affiliated financial product is generated or the maturity date of the financial product arrives in connection with the financial system. It is done.

When the financial product verification unit 1425 confirms that the affiliated financial product generates a predetermined profit or an expiration date arrives, the information verification unit 1415 connects to the storage medium 1430 and the affiliate service. Partner agency information, affiliate product (or service) information and financial product information which process profits (or interest) generated by operating linked financial products as a usage fee (or fee) for a given affiliate product (or service) It is characterized by checking.

Affiliate institution information that generates a predetermined profit or has an expiration date on the affiliated financial instrument and processes the proceeds (or interest) of the financial instrument as a usage fee (or fee) for the predetermined affiliated product (or service). When the affiliated product (or service) information and the financial product information are confirmed, the financial product management unit 1420 charges the fee (or fee) at the affiliated institution in response to the affiliated institution information in association with the financial system. And checking the affiliated institution financial account for settlement, and using the proceeds (or interest) generated in response to the financial product in the name of the customer by using the affiliated institution financial account (or the affiliated institution financial account as the parent account). (Or a virtual account for paying a fee).

According to the implementation method of the present invention, the financial product management unit 1420 is associated with the affiliate server 195 corresponding to the affiliated organization information, the predetermined fee (or fee) that the customer should pay to the affiliated institution In the customer name of the revenue (or interest) generated in correspondence with the financial product and the affiliated institution financial account (or the affiliated institution financial account) as the parent account of the customer It is preferable to settle the transaction to a virtual account for paying the usage fee (or fee).

According to another embodiment of the present invention, in order to apply the expected rate of return information (or interest rate information), which is increased by the customer to the affiliated product (or service), to the affiliated financial product, the financial product checking unit ( In operation 1425, the financial system may be connected to the financial system to determine whether a predetermined profit is generated or a maturity date of the financial product arrives in response to the financial instrument.

As a result of the check by the financial product checking unit 1425, when the predetermined financial revenue is generated or the expiration date arrives, the information checking unit 1415 may be connected to the storage medium 1430 to allow the customer to The affiliated organization information, the affiliated product (or service) information and the financial product information matched with the expected rate of return information (or the interest rate information) increased by the subscription of the affiliated product (or service) may be checked.

Affiliation agency information matching the expected rate of return information (or interest rate information), which is generated by a certain amount of revenue or has an expiration date, and is increased by the customer joining the affiliate product (or service); When the affiliated product (or service) information and the financial product information are confirmed, the financial product management unit 1420 calculates the financial product proceeds (or interest) corresponding to the increased rate of return information (or interest rate information), and The calculated financial product profit (or interest) in connection with a financial system is characterized in that the financial account (or predetermined customer account is settled financial product profit (or interest)) that operates the financial product information. .

According to the method of the present invention, the financial product management unit 1420 is a financial account (or interest) that operates the financial product information (or interest) of the financial product corresponding to the increased rate of return information (or interest rate information) In the settlement of a financial instrument proceeds (or interest) in a predetermined customer account, the proceeds (or interest) indicating that the increased amount of profit (or interest) is due to the affiliated product (or service) subscription. It is preferable to include in the settlement processing transaction details.

According to another exemplary embodiment of the present invention, the information receiving unit 1410 provides a predetermined communication network to provide the customer with various incentives provided by the affiliated organization by subscribing to the affiliated product (or service). And an information receiver 1410 that receives predetermined incentive providing information from a predetermined affiliate server 195 corresponding to the affiliated institution information included in the affiliated financial product operation information.

Herein, the incentive providing information includes customer information subscribed to the affiliated financial product through the financial product subscription system shown in FIGS. 1 and / or 8 of the affiliated institution customers, and the affiliated institution in connection with the financial product. It is preferable to include at least one incentive information (eg, mileage points, discount coupons, prize event information, etc.) to be provided to the customer.

When the incentive providing information is received from the affiliate server 195 through the information receiving unit 1410, the information checking unit 1415 may be connected to the storage medium 1430 and the customer information included in the incentive providing information. The affiliated financial product operation information including the predetermined predetermined customer information is checked, and the financial product information (or financial account information) included in the affiliated financial product operation information is confirmed.

When the incentive providing information is received from the affiliate server 195 and the financial product information (or financial account information) included in the affiliate financial product operation information matching the incentive providing information is confirmed, the financial product management unit 1420 ) Is applied to the financial product (or financial account) at least one or more incentive information included in the incentive providing information through the financial product information (or financial account information) in conjunction with the financial system.

According to the method of the present invention, the financial product management unit 1420 accumulates a predetermined mileage point in the financial product according to the incentive information included in the incentive provision information, or is linked with the incentive management account of the affiliated institution. Use the mileage points by the customer (e.g., deposit the accumulated mileage points into cash and process the deposit into a financial account corresponding to a financial product), or the financial product information (or financial account information) and the It is preferable to link and store discount coupons or prize event information included in the incentive information.

15 is a diagram illustrating a financial product operating process associated with an affiliate service according to an exemplary embodiment of the present invention.

In more detail, FIG. 15 shows the storage product 1430 through the financial product subscription system shown in FIGS. 1 and / or 8 in the financial product management server 1400 on the financial product operating system shown in FIG. For the process of processing the proceeds (or interest) generated by operating the financial products associated with the affiliate service based on the registered affiliate financial product operation information as a usage fee (or fee) for a predetermined affiliate product (or service). As those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 15 to infer various implementation methods for the financial product operation process associated with the affiliate service. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, in FIG. 15, the financial product operation server 1400 on the financial product operation system shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 15, the server corresponds to an affiliated financial instrument subscribed through the financial instrument subscription system shown in FIGS. 1 and / or 8 in association with a financial system in which a financial account corresponding to the affiliated financial instrument is opened. In operation 1500, a predetermined profit (eg, an investment return or an interest income) is generated or an expiration date of the financial product arrives.

If a predetermined profit is generated in the affiliated financial product or the expiration date arrives (1505), the server generates a profit generated by operating the financial product associated with the affiliated service in connection with the storage medium 1430. (1510) The affiliated agency information, the affiliated product (or service) information, and the financial product information for processing the (or interest) as a usage fee (or fee) for a predetermined affiliated product (or service) are checked (1510).

Thereafter, the server reads affiliated agency information, affiliated product (or service) information and financial product information to convert the proceeds (or interest) of the financial product into a usage fee (or fee) for a predetermined affiliated product (or service). Check whether or not to use (1515).

If it is confirmed that the profit (or interest) of the financial product is used as a usage fee (or fee) for a predetermined affiliate product (or service) (1520), the server is connected with the financial system. In response to the affiliated agency information, the affiliated organization checks the affiliated institution's financial account for charging and settlement of the fee (or fee) (1525), and the proceeds (or interest) generated in response to the financial product in the name of the customer. In operation 1530, the affiliated institution financial account is settled as a virtual account for paying the use fee (or fee) of the customer using the affiliated institution financial account as a parent account.

According to an embodiment of the present invention, the server checks a predetermined fee (or fee) that the customer is required to pay to the affiliated institution in association with the affiliated server 195 corresponding to the affiliated organization information, and the financial Of the proceeds (or interest) generated in correspondence with the product, the identified usage fee (or fee) in the customer's name, using the affiliated financial account (or the affiliated financial account as the parent account) It is preferable to settle the payment with a virtual account for payment.

16 is a diagram illustrating a financial product operating process associated with an affiliate service according to another exemplary embodiment of the present invention.

In more detail, FIG. 16 illustrates a method of accessing the storage medium 1430 from the financial product operating server 1400 of the financial product operating system illustrated in FIG. 14 through the financial product subscription system illustrated in FIGS. 1 and / or 8. The present invention relates to a process of applying, to the affiliated financial product, expected yield information (or interest rate information) adjusted by the customer to subscribe to the affiliated product (or service) based on registered affiliated financial product operation information. Those skilled in the art will be able to infer various implementation methods for the financial product operation process associated with the affiliate service by referring to and / or modifying the drawing 16, 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.

Hereinafter, in FIG. 16, the financial product operating server 1400 on the financial product operating system shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 16, the server corresponds to an affiliated financial instrument subscribed through the financial instrument subscription system shown in FIGS. 1 and / or 8 in association with a financial system in which a financial account corresponding to the affiliated financial instrument is opened. In step 1600, a predetermined profit (eg, an investment return or an interest income) is generated or an expiration date of the financial product arrives.

If a predetermined profit is generated or the expiration date arrives (1605), the server associates with the storage medium 1430 to allow the customer to subscribe to the affiliated product (or service). In operation 1610, the affiliated agency information, the affiliated product (or service) information, and the financial product information that apply the upwardly revised expected yield information (or interest rate information) to the affiliated financial product are confirmed.

Thereafter, the server reads affiliated agency information, affiliated product (or service) information, and financial product information to confirm the rate of return information (or interest rate information) that is increased by the customer joining the affiliated product (or service). (1615).

If the result of the check is confirmed that the increased rate of return information (or interest rate information) (1620), the server returns the predetermined amount of financial products (or interest rate information) corresponding to the affiliated financial products (or interest rate information) An interest), and a predetermined customer whose financial account (or financial product profit (or interest)) which operates the financial product information is calculated from the calculated financial product profit (or interest) in connection with the financial system (1625). Account), and the settlement process (1630).

According to an embodiment of the present invention, the server is a financial account (or financial product revenue (or interest) for operating the financial product information (or interest) corresponding to the financial product information (or interest) corresponding to the increased rate of return information (or interest rate information) In the process of settlement of a predetermined customer account) is settled, the proceeds (or interest) settlement processing transaction includes that the amount (or interest) of the upwardly revised amount is due to subscription to the affiliate product (or service) It is desirable to.

17 is a diagram illustrating a financial product operating process associated with an affiliate service according to another exemplary embodiment of the present invention.

In more detail, FIG. 17 is a view of the storage medium 1430 through the financial product subscription system shown in FIGS. 1 and / or 8 from the financial product management server 1400 on the financial product operating system shown in FIG. On the basis of the registered affiliate financial product operation information, various incentives (eg, mileage points, discount coupons, sweepstakes event information, etc.) provided by the affiliated organization to the customer by subscribing to the affiliated product (or service) are provided to the customer. As a process for providing, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer various implementation methods for the financial product operation process associated with the affiliate service. As will be appreciated, the present invention includes all implementation methods inferred from the above, and only the implementation method illustrated in FIG. The technical features are not limited.

Hereinafter, in FIG. 17, the financial product operating server 1400 on the financial product operating system shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 17, the server checks whether predetermined incentive provision information is received from a predetermined affiliate server 195 corresponding to the affiliated institution information included in the affiliated financial product operation information through a predetermined communication network (1700). .

Herein, the incentive providing information includes customer information subscribed to the affiliated financial product through the financial product subscription system shown in FIGS. 1 and / or 8 of the affiliated institution customers, and the affiliated institution in connection with the financial product. It is preferable to include at least one incentive information (eg, mileage points, discount coupons, prize event information, etc.) to be provided to the customer.

If the incentive providing information is received (1705), the server is associated with the storage medium 1430 customer information that matches the customer information included in the incentive providing information (for example, the customer is the affiliate product (or service)) Financial product information (or information included in the affiliate financial product operation information), which includes various incentives (for example, customer information that can be provided with mileage points, discount coupons, sweepstakes information, etc.) provided by the affiliated organization by subscribing to Financial account information) (1710), and the financial product information (or financial account information) identified in connection with the financial system applies at least one or more incentive information included in the incentive provision information (1715).

According to an embodiment of the present invention, the server accumulates a predetermined mileage point in the financial product according to the incentive information included in the incentive provision information, or stores the mileage point in association with an incentive management account of the affiliated institution. Discount coupons included in the financial product information (or financial account information) and the incentive information used by the customer (e.g., depositing the accumulated mileage points in cash and processing the deposit into a financial account corresponding to the financial product). In addition, it is desirable to store and link prize event information.

According to the present invention, a communication service (or an additional service according to the use of the communication service in cooperation with a telecommunication company (or communication service and various additional services provided by the telecommunication company) of which at least one citizen subscribes at a predetermined financial institution. ) Provides a benefit to the financial institution customer, and provides a financial product benefit to the telecommunication company customer according to the financial product subscription (or operation).

According to the present invention, a new customer (or excellent customer) of a financial institution of the telecommunications carrier customer is provided by providing a communication service (or an additional service) benefit of using the telecommunication service in cooperation with the telecommunication company and the financial institution. ) Has the advantage of attracting.

According to the present invention, the financial institution and the telecommunication company cooperate with each other to provide the financial product benefits to the telecommunication company customer by joining (or operating) the financial product, thereby providing the superior customer of the financial institution with the new customer of the telecommunication company (or telecommunication company) To attract customers).

According to the present invention, in cooperation with various affiliates (for example, portal companies, shopping malls, etc.) used by most of the people at a given financial institution, provide the affiliated service (or additional service) benefits to the financial institution customers by using the communication service. By providing the financial product benefits to the affiliated customers by joining (or operating) the financial product, there is an advantage that the financial institution and the affiliated company can win-win with each other.

Claims (4)

When a financial company operates a financial product affiliated with a telecommunications company, the information storage means stores information on the operation of the affiliated financial product to use the proceeds (or interest) of the financial product as a usage fee (or fee) of the communication service provided by the telecommunications company. Storing in a medium; Confirming whether a profit (or interest) corresponding to the financial product occurs in the financial product checking means; Confirming, by the information checking means, whether to use the proceeds (or interest) of the financial product as a usage fee (or fee) of the communication service provided by the telecommunication company in association with the storage medium (or storage medium operating means); And And processing the proceeds (or interest) of the financial product as a usage fee (or fee) of a communication service in a financial product operating means. When a financial company operates a financial product affiliated with a telecom company, Storing, in the storage medium, the affiliated financial product operation information to increase the rate of return (or interest rate) of the financial product in response to the subscription or use of the communication service provided by the telecommunication company in the information storage means; Confirming whether a profit (or interest) corresponding to the financial product occurs in the financial product checking means; Confirming, by the information checking means, an increase rate (or interest rate) of the financial product based on the affiliated financial product operation information previously stored in the storage medium; And Applying a profit (or interest) corresponding to the identified rate of return (or interest rate) of the financial instrument to the proceeds (or interest) corresponding to the financial instrument; A method for operating affiliated financial products. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Financial product verification means for verifying whether a financial product affiliated with a telecommunications company generates a profit (or interest) corresponding to the financial product; The finance in association with a storage medium (or storage medium operating means) that stores the associated financial product operation information for using the proceeds (or interest) of the financial product as a usage fee (or fee) of the communication service provided by the telecommunications company. Information verification means for confirming whether to use the proceeds (or interest) of the product as a usage fee (or fee) of the communication service provided by the communication company; And And a financial product operating means for processing the proceeds (or interest) of the financial product as a usage fee (or fee) of a communication service.

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