KR100889007B1 - System for Managing Card - Google Patents

Abstract

The present invention relates to an account (or card) management method and system, an account (or card) management device and a program recording medium therefor. The account (or card) management method according to the present invention is specified in a predetermined information storage means. Storing the customer account balance (and / or the customer card remaining limit) processing condition for each period in association with the customer identification information and the account (and / or card) information and storing in a predetermined storage medium; and predetermined information checking / extracting means. In connection with the storage medium (or storage medium operating means), the customer account balance (and / or customer card remaining limit) for a specific period of time stored in association with the customer identification information and / or account (and / or card) information Checking and / or extracting processing conditions and corresponding customer account balances (and / or corresponding to the processing conditions identified and / or extracted by a predetermined account (or card) management means). Or investing (or transferring) the customer card remaining limit) into at least one financial instrument.

Account (or card), investments, transfers, conditions

Description

Card Management System {System for Managing Card}

1 is a diagram illustrating a system configuration for reinvesting an account balance in at least one financial product in the process of opening a new financial account according to an embodiment of the present invention.

2 is a diagram illustrating an account opening process for reinvesting an account balance in at least one financial product according to an embodiment of the present invention.

3 is a diagram illustrating a system configuration for reinvesting a balance of a financial account previously issued to a customer in at least one financial product according to another embodiment of the present invention.

4 is a diagram illustrating an information registration process for reinvesting an account balance previously issued to a customer in at least one financial product according to another embodiment of the present invention.

5 is a diagram showing the configuration of the account balance reinvestment system according to an embodiment of the present invention.

6 is a diagram illustrating a configuration of an internet banking system according to an embodiment of the present invention.

7A and 7B illustrate financial transactions using Internet banking according to an embodiment of the present invention.

8 is a diagram illustrating a reinvestment process of the account balance according to an embodiment of the present invention.

9A and 9B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

10A and 10B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

11A and 11B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

12 is a diagram showing the configuration of the account balance reinvestment system according to another embodiment of the present invention.

13 is a diagram illustrating a configuration of an internet banking system according to an embodiment of the present invention.

14A and 14B illustrate financial transactions using Internet banking according to an embodiment of the present invention.

15A and 15B illustrate a reinvestment process of an account balance according to an exemplary embodiment of the present invention.

16A and 16B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

17A and 17B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

18A and 18B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

500: investment manager server 505: financial products investment department

510: information generation unit 515: information confirmation unit

520: information extraction unit 525: investment information storage unit

530: financial transaction terminal

The present invention after the customer at least one or more financial transactions through the customer financial account opened to the customer through a predetermined account opening system, checks the account balance remaining in the financial account and linked to the predetermined reinvestment information D / B The amount corresponding to the account balance is stored in the target financial product information according to the investment condition (or policy) information based on the stored and stored customer financial account information, the target financial product information, and / or the investment condition (or policy) information. A system for reinvesting in corresponding at least one financial instrument.

Financial accounts, such as payroll accounts and / or pocket money accounts, which deposit a certain amount periodically (or transfer from one or more other accounts), are free to withdraw cash until a new amount is deposited (or transferred) into the financial account. An account used for (or withdrawing) cash, which is to be withdrawn (or withdrawn) for a certain period of time (e.g., a period in which new amounts are deposited (or transferred)) rather than investability for the purpose of interest income (or return on investment). It is a strong cash deposit account.

That is, as described above, the cash deposited in a financial account where a certain amount of money is deposited (or transferred from at least one or more other accounts) miraculously is freely withdrawn (or withdrawn) within the amount of money that is periodically deposited (or transferred). It corresponds to the living funds used.

If a certain account balance remains after saving the living funds before the new amount is deposited (or transferred) in the financial account, the account balance is added to the next new amount at the same time as the new amount is deposited (or transferred). Or account transfer) before, and in this case, the financial account customer includes a problem that the reason for saving the living funds is lost.

It is an object of the present invention to store a customer account balance (and / or a customer card remaining limit) processing condition for a specific period in association with customer identification information and the account (and / or card) information and store it in a predetermined storage medium. In connection with a medium (or storage medium operating means), the processing conditions of the customer account balance (and / or customer card remaining limit) for a specific period of time stored in association with the customer identification information and / or the account (and / or card) information An account for identifying and / or extracting and investing (or transferring) the customer account balance (and / or customer card remaining limit) in at least one financial instrument in response to the confirmed and / or extracted processing condition ( Or card) management method and system.

The account (or card) management system according to the present invention, by storing the customer account balance (and / or customer card remaining limit) processing conditions for a specific period in association with the customer identification information and the account (and / or card) information, the predetermined storage Information storage means for storing in a medium; In the event of the customer's account balance (and / or customer card remaining limit) for a certain period of time, in connection with the storage medium (or storage medium operating means), in conjunction with the customer identification information and / or the account (and / or card) information Information checking / extracting means for checking and / or extracting a processing condition of a customer account balance (and / or a customer card remaining limit) for each specific period of time which has been processed and stored; And account (or card) management means for investing (or transferring) the customer account balance (and / or customer card remaining limit) in at least one financial instrument in response to the above identified and / or extracted processing conditions. It is characterized by comprising.

According to the invention, the account (or card) management system, before or after processing (or transfer) the customer account balance (and / or customer card remaining limit) to the at least one financial instrument, the customer Characterized in that it further comprises information providing means for notifying the investment (or transfer) details to the communication means.

According to the present invention, the account (or card) management system provides a customer terminal balance (and / or customer card remaining limit) processing condition selection (and / or input) page (or window) for a specific period to a customer terminal, Interface providing means for receiving the customer account balance (and / or customer card remaining limit) processing condition selection (and / or input) information for each specific period from the customer terminal.

According to the present invention, the processing conditions for the customer account balance (and / or the customer card remaining limit) for each specific period may include depositing and depositing the balance (and / or the customer card remaining limit) remaining in the customer account at a specific period such as monthly and quarterly. , A condition that allows investment (or transfer) to be processed with a specific financial product including at least one of funds, insurance, bancassurance, etc., and the amount of the balance (or remaining limit) for each investment (or transfer) And a setting condition, and / or an investment (or transfer) period or a date setting condition.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the constituent means functions of the above-described account (or card) management system.

On the other hand, the account (or card) management method according to the present invention, the customer account balance (and / or customer card remaining limit) processing conditions for a specific period in the predetermined information storage means, the customer identification information and the account (and / or card) Storing the data in a predetermined storage medium in association with the information; In the predetermined information checking / extracting means, in connection with the storage medium (or storage medium operating means), the customer account balance for a specific period of time stored in association with the customer identification information and / or the account (and / or card) information ( And / or customer card remaining limit) processing conditions; And investing (or transferring) the customer account balance (and / or customer card remaining limit) in at least one financial instrument in response to the identified and / or extracted processing conditions in a predetermined account (or card) management means. It characterized in that it comprises a step.

On the other hand, the account (or card) management apparatus according to the present invention, checks the account balance (and / or customer card remaining limit) of the customer for a specific period, if the check result, the balance and / or remaining limit, if there is an account (Or card) information checking unit provided to the management unit; And an account (or card) management unit for investing (or transferring) the identified balance and / or the remaining limit in at least one financial product.

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

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

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

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

1 is a diagram illustrating a system configuration for reinvesting an account balance in at least one financial product in the process of opening a new financial account according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an investment target financial product information and / or investment conditions for a predetermined customer to reinvest the account balance according to the present invention into at least one financial product through the account balance reinvestment system through a predetermined account opening interface. Or providing a predetermined account opening application information including policy) information, wherein the account balance reinvestment system issues a predetermined financial account to the customer based on the provided account opening application information. Those skilled in the art will be able to infer various implementation methods for the construction of an account opening system for reinvesting account balances in at least one financial product by referring to and / or modifying the present invention. The present invention includes all implementation methods inferred from the above, It is not limited only to the practiced method.

Hereinafter, based on the account opening application information including the investment target financial product information and / or investment condition (or policy) information provided from the customer through a predetermined account opening interface on the account opening system shown in FIG. Components corresponding to at least one or more means and / or functional configurations of issuing a predetermined financial account to a customer are referred to as " account opening server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an account opening system for reinvesting an account balance according to the present invention into at least one or more financial products includes an employee terminal used by an account opening staff equipped with at least one financial institution. And / or client terminal including at least one wired terminal and / or wireless terminal used by the customer when the account opening system supports a non-face-to-face account opening application, and / or And a financial system having a ledger D / B in which the customer financial account is opened, wherein the employee terminal and / or the client terminal are provided on the account balance reinvestment system through a predetermined network means. The establishment server 100 and a communication channel are connected.

Referring to FIG. 1, 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.) access to the financial system, and / Or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

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

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

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

According to one embodiment of the present invention, the customer visits the financial institution to reinvest the account balance according to the present invention in at least one financial product and through the window provided at the financial institution (or the account opening staff). Application for a predetermined account opening for reinvesting the account balance in at least one financial instrument (e.g., a document with a form for filling in at least one item of information for reinvesting the account balance in at least one financial instrument); (Or the account opening employee visits the customer and asks the customer to complete a prescribed account opening application for reinvesting the account balance in at least one financial product) If you submit to the account opening staff, the account opening staff An account provided on the account balance reinvestment system through the network means is inputted (or selected) information entered in the account opening application through a predetermined employee terminal, and the employee terminal inputs the entered (or selected) information through the network means. It is preferable to transmit to the establishment server 100.

Here, the employee terminal preferably comprises an employee terminal used by the account opening staff provided in the financial institution, the account opening server 100 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, the network means for connecting the employee terminal and the account opening server 100 is a financial network (eg, our network) connecting the communication channel between the employee terminal and the account opening server 100 It is preferable to comprise).

In the account opening system as described above, the account opening application created by the customer, the employee terminal used by the account opening staff and the financial network connecting the employee terminal and the account opening server 100, the account opening application. It performs the function of the account opening interface for registering information.

According to another exemplary embodiment of the present invention, when the account opening system supports a non-face-to-face account opening request, the customer may be one of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. When the account opening server 100 is accessed through at least one client terminal and the account opening application information is input (or selected) through at least one user interface provided by the account opening server 100, the client opens the account opening application information. It is preferable that the terminal transmits to the account opening server 100 provided on the account balance reinvestment system through a predetermined network.

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

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

In addition, the client terminal outputs at least one or more user interfaces provided by the account opening server 100, and inputs and / or selects at least one or more information through the user interface to the account opening server 100. 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 account opening server 100, 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 account opening system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the account opening server 100 and And / or the wireless network performs the function of an account opening interface for the customer to register the account opening application information.

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

In the case of supporting a non-face-to-face account opening application as described above, when the account opening terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the account opening server 100 to perform a function of an account opening interface for the customer to register the account opening request information, and / or the account opening terminal to the call terminal (not shown). Is a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the account opening server 100 to allow the customer to register the account establishment request information. In the case of a terminal (and / or server) (not shown) which performs a function of an account opening interface and / or is provided in an institution affiliated with the financial institution that is the account opening terminal. A network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the account opening server 100 is an account for the customer to register the account opening request information. Perform the functions of the open interface.

The account opening application information is basically made up of the information to apply for opening a predetermined customer financial account through the account opening server 100, request to reinvest the balance of the account in at least one financial product Preferably, the investment target financial product information and / or investment condition (or policy) information is further included, whereby the re-investment request for the account balance is registered at the same time as the account opening.

According to the present invention, a customer financial account opened through the account opening application information is an account in which a certain amount of money is periodically deposited (or transferred from at least one other account), such as a payroll account and / or a pocket money account, wherein at least The account balance reinvested in one or more financial products is characterized by including the balance remaining in the customer financial account before a new fixed amount is deposited (or transferred from at least one other account) to the customer financial account.

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information for an account balance-only financial product designed to invest the account balance, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operate a predetermined financial product corresponding to the financial product investment information. The customer may select at least one financial instrument for investing the account balance based on the financial instrument manager information for the same (or similar) financial instrument investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information, preferably comprises a condition (or policy) for investing the account balance in at least one financial instrument operated by at least one financial instrument manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to the method of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer until at least one financial transaction corresponding to the customer financial account for a predetermined period until the day before the deposit due date. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the account to be reinvested in at least one financial instrument managed by at least one financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information is a monthly payment to the customer financial account (or transfer from at least one or more other accounts), the customer for a month An investment condition (or policy) for re-investing the account balance remaining in the financial account to at least one financial instrument managed by at least one financial instrument manager after at least one financial transaction corresponding to the financial account until the day before the deposit is due; It can be made, including.

According to the method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information remains in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. If the account balance reaches a certain amount, it includes an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager. desirable.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable to make.

According to the method of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information is determined by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. When the account balance remaining in the financial account reaches a certain amount, an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial product managed by at least one financial product manager. It is preferable to comprise a.

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for the month and the day before the scheduled deposit date is 30,000 won or more and 50,000 won or less in cash, Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 or less) and After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the account balance information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

The reinvestment information D / B provided on the account balance reinvestment system according to the present invention opens a predetermined financial account to the customer based on the account opening application information provided from the account opening terminal, and then opens the account opening application information. The investment target financial product information and / or investment condition (or policy) information contained in the characterized in that it is stored in association with the financial account information, and processed in conjunction with the financial account information stored in the reinvestment information D / B The stored investment financial information and / or investment condition (or policy) information is used to reinvest the account balance according to the present invention on at least one financial product on the account balance reinvestment system.

According to one embodiment of the invention, the reinvestment information D / B is preferably provided in a DBMS on a predetermined financial system provided on the account balance reinvestment system (or associated with the account balance reinvestment system). When the reinvestment information D / B may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the reinvestment information D / B is provided on (or associated with) the account balance reinvestment system, and / or a telebanking system, and / or a wireless banking system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

According to another exemplary embodiment of the present invention, the reinvestment information D / B uses the investment target financial product information and / or investment condition (or policy) information linked to the financial account information on the account balance reinvestment system. It is preferable to be provided in a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function, wherein the location of the reinvestment information D / B may be variously performed according to the intention of those skilled in the art The present invention is not limited thereby.

The account opening server 100 provided on the account balance reinvestment system according to the present invention is a generic term for the account balance reinvestment system side component connected to the account opening terminal through a predetermined network means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to the method of the present invention, the account opening server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined account opening interface to the account opening terminal via the network means.

According to an embodiment of the present invention, if the account opening terminal is an employee terminal connected to a predetermined financial network, the interface unit 105 communicates with the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the account opening application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the account opening terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 is connected to the wired terminal. At least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for 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 105 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when a predetermined account opening application program provided by the account opening server 100 is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the account opening terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 105 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. .

Or, if the client terminal is provided with an account opening application program provided by the account opening server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 1, when the predetermined account opening terminal is connected to the account opening server 100 through the interface unit 105, the account opening server 100 interworks with the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account opening request information from the opening terminal to the account opening terminal, and the interface unit 105. And an information receiving unit 115 for receiving predetermined account opening application information transmitted from the account opening terminal through the user interface and inputting (or selecting), and the customer based on the received account opening application information. The information generating unit 125 for generating predetermined financial account information corresponding to the financial account to be issued to the user; and the financial account information through the predetermined bankbook issuing device. The re-investment is performed by linking and processing the bank account issuing unit 130 for issuing a predetermined bank account, which includes an investment target financial product information and / or investment condition (or policy) information included in the financial account information and the account opening application information. And an information storage unit 120 for storing the information D / B.

The interface providing unit 110, when a predetermined account opening terminal is connected to the account opening server 100 through the interface unit 105, the account opening request information corresponding to the functional configuration provided in the account opening terminal To generate (or select) a predetermined user interface that can be transmitted to the account opening server 100 through the network means, and / or to extract from a predetermined database (not shown), and the interface unit 105 And the generated (or extracted) user interface to the account opening terminal through the network means.

Subsequently, the account opening terminal inputs (or selects) the account opening application information based on the user interface, and the account opening server 100 receives the input (or selection) account opening application information through the network means. To send.

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

According to another exemplary embodiment of the present invention, when the account opening terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 110 may be configured as described above. Generate (or extract) a predetermined user interface that can be provided by a browser program and / or a communication program provided in the client terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, when the account opening terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 includes 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 105.

When the information receiving unit 115 inputs (or selects) predetermined account opening request information through the user interface from the account opening terminal and transmits the information through the network means, the account interworking with the interface unit 105 gives the account. Characterized in that the application for opening information is received, the received account opening application information is provided to the information generating unit 125.

According to an embodiment of the present invention, the account opening request information may include requesting to reinvest the customer account information of the account opening customer, account information corresponding to the financial account opened to the customer, and the account balance in at least one financial product. At least one financial object information and / or investment condition (or policy) information is included.

The information generating unit 125 generates predetermined financial account information corresponding to the financial account to the customer based on the account opening application information received through the information receiving unit 115, wherein the financial The account information is stored in the reinvestment information D / B in association with the investment target financial product information and / or investment condition (or policy) information included in the account opening application information.

According to the present invention, the financial account information is characterized in that it further comprises a deposit due date information for the amount of money (or account transfer from at least one or more other accounts) to the customer financial account opened to the customer periodically Re-investing the account balance in at least one or more investment target financial products is performed on the day before the scheduled deposit date.

When the predetermined financial account information corresponding to the financial account is generated by the information generation unit 125, the bank account issuing unit 130 generates a bank account including the financial account information through a predetermined bank account issuing device. Characterized in that the bankbook is provided (or shipped) to the customer.

According to the embodiment of the present invention, it is preferable that the passbook produced through the passbook issuing device includes at least one or more of a paper passbook or an electronic passbook, and a person having ordinary knowledge in the art to which the present invention belongs, The bankbook issuing device will be familiar with the implementation method for producing and issuing a paper bankbook or electronic bankbook corresponding to the financial account, detailed description thereof will be omitted for convenience.

If the bankbook is a paper bankbook, the bankbook issuing device prints the financial account information on the bankbook, and / or at least one MS track (e.g., track I, track II, track III) provided in the bankbook. And an apparatus for recording the financial account information, wherein the information generating unit 125 generates the financial account information in a data structure recordable in at least one or more MS tracks, and the bankbook issuing unit 130. Opens a predetermined financial account to be issued to the customer by recording the financial account information on at least one MS track through the bankbook issuing device.

Alternatively, if the passbook is an electronic passbook equipped with a predetermined IC (Integrated Circuit) chip, the passbook issuance device comprises a device for recording the financial account information in the memory provided on the IC chip of the electronic passbook, At this time, the information generating unit 125 generates the financial account information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit 130 is the bankbook issuing device By recording the financial account information through the memory of the IC chip, a predetermined electronic bank account to be issued to the customer is issued.

The bankbook produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined bankbook providing procedure, and the customer then finances corresponding to the bankbook through the account balance reinvestment system according to the present invention. Perform at least one financial transaction through the account.

Thereafter, the information storage unit 120 includes the investment target financial product information and / or investment condition (or policy) information included in the account opening application information received from the customer through the information receiving unit 115 and the finance. The account information is linked and stored in the reinvestment information D / B.

2 is a diagram illustrating an account opening process for reinvesting an account balance in at least one financial product according to an embodiment of the present invention.

In more detail, in FIG. 2, in the account opening system shown in FIG. 1, a predetermined customer has a predetermined account opening interface (e.g., at least one account opening application, an employee terminal and a network means, or a wired terminal and / or a wireless terminal). Information on investment target financial products for reinvesting the account balance issued to the customer through the account opening server 100 to the account opening server 100 through at least one financial product through a client terminal and a network means); And / or transfer predetermined account opening application information including investment condition (or policy) information, open the predetermined customer financial account based on the account opening application information in the account opening server 100, and issue the The reinvestment is performed by linking the financial account information and the investment target financial product information and / or investment condition (or policy) information. As a process for storing the data in D / B, one of ordinary skill in the art may refer to and / or modify the drawing to reinvest the account balance in at least one financial product. Various implementation methods for opening a financial account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, in FIG. 2, after the customer's financial account is opened and a predetermined bankbook corresponding to the financial account is created and provided (or delivered) to the customer, the financial account information and the investment target are provided to the reinvestment information D / B. Although the financial product information and / or investment condition (or policy) information is illustrated and described as being stored in a linked process, the financial account information and the investment target financial product information and / or the reinvestment information D / B according to the intention of a person skilled in the art. Alternatively, the process of linking and storing the investment condition (or policy) information may be performed before the bankbook is produced or before the bankbook is produced or provided (or shipped) to the customer. It is not limited.

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

Referring to FIG. 2, in order to open the customer financial account for reinvesting the account balance in at least one financial product, the customer has a predetermined account opening application application including predetermined account opening application information through a predetermined account opening interface. And / or when the account opening system shown in FIG. 1 supports a non-face-to-face account opening request, the customer inputs (or selects) predetermined account opening request information through a predetermined client terminal. Thereafter, the account opening application information is provided to the server through a predetermined account opening interface (200).

The account opening interface may include an account opening application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a non-face-to-face account opening application, the account opening interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the account opening application information provided to the server through the account opening interface is characterized in that basically comprises information for applying for opening a predetermined customer financial account through the account opening server 100, It is preferable to further include information on investment financial instruments and / or investment conditions (or policies) requesting to reinvest the balance of the account in at least one or more financial products, thereby at the same time opening the account The reinvestment request is registered.

According to the present invention, a customer financial account opened through the account opening application information is an account in which a certain amount of money is periodically deposited (or transferred from at least one other account), such as a payroll account and / or a pocket money account, wherein at least The account balance reinvested in one or more financial products is characterized by including the balance remaining in the customer financial account before a new fixed amount is deposited (or transferred from at least one other account) to the customer financial account.

According to the present invention, the investment target financial product information, financial products name, investment for financial products including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial instrument investment information including at least one or more of a period, a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product. .

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information for an account balance-only financial product designed to invest the account balance, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial instrument for the same (or similar) financial instrument investment information based on the financial instrument manager information to invest the account balance.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information, preferably comprises a condition (or policy) for investing the account balance in at least one financial instrument operated by at least one financial instrument manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to the method of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer until at least one financial transaction corresponding to the customer financial account for a predetermined period until the day before the deposit due date. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the account to be reinvested in at least one financial instrument managed by at least one financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information is an account in which the customer remains in the financial account until the day before the deposit due date after at least one financial transaction corresponding to the customer financial account for one month. It may include an investment condition (or policy) that allows the balance to be reinvested in at least one financial instrument managed by at least one financial instrument manager.

According to the method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information remains in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. If the account balance reaches a certain amount, it includes an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager. desirable.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to the method of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information is determined by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. When the account balance remaining in the financial account reaches a certain amount, an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial product managed by at least one financial product manager. It is preferable to comprise a.

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account for at least one financial transaction corresponding to the customer financial account for the month until the day before the deposit date is more than 30,000 won or less than 50,000 won in cash, the account balance earned (or obtained) Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 won); After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the account balance information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

When predetermined account opening application information is received through the account opening interface, the server reads the received account opening application information to check whether it is possible to issue the customer financial account to the customer (205).

In this case, the account opening validity confirmation may include checking whether a customer financial account included in the account opening application information can be issued to the customer.

For example, the account opening validity confirmation may include a process of evaluating whether the customer can open a predetermined customer financial account by evaluating the creditworthiness of the customer.

If the validity to open the customer financial account is not authenticated to the customer through the account opening application information (210), the server provides the account opening error information to the customer through the account opening interface (215). Stop opening the customer financial account to the customer.

If the validity to open the customer financial account to the customer is authenticated through the account opening application information (210), the server is predetermined finance corresponding to the customer financial account to open to the customer based on the account opening application information The account information is generated (220).

Here, the financial account information preferably comprises at least one or more information to be stored in the ledger D / B on the financial system, such as financial account number and branch number corresponding to the customer financial account, the technology to which the present invention belongs Those skilled in the art will be familiar with the financial account information structure for opening a predetermined new financial account, and thus a detailed description thereof will be omitted.

Thereafter, the server opens a customer financial account corresponding to the financial account information in a predetermined ledger D / B through a predetermined financial system (225).

When the customer financial account information is opened in a predetermined ledger D / B provided on the financial system as described above, the server generates a predetermined account book with the financial account information through a predetermined bankbook issuing device and the customer Provided (or shipped) to (230).

Thereafter, the server extracts the investment target financial product information and / or investment condition (or policy) information from the account opening application information provided from the customer through the account opening interface (235), and the generated financial account information. And the investment target financial product information and / or investment condition (or policy) information are linked and stored in the reinvestment information D / B (240).

According to an embodiment of the present invention, the reinvestment information D / B is provided in a DBMS on a predetermined financial system provided on the account balance reinvestment system (or associated with the account balance reinvestment system), and / or the account A predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the financial account information, the investment target financial product information, and / or investment condition (or policy) information on the balance reinvestment system. It is preferable.

3 is a diagram illustrating a system configuration for reinvesting a balance of a financial account previously issued to a customer in at least one financial product according to another embodiment of the present invention.

More specifically, Figure 3 is a financial account information and investment target financial product information for a predetermined customer to reinvest the account balance according to the present invention to at least one financial product through a predetermined information registration interface to the account balance reinvestment system and / Alternatively, if the investment condition (or policy) information is provided, the account balance reinvestment system links the provided financial account information, the target financial product information, and / or the investment condition (or policy) information to a predetermined reinvestment information D / B. As a person of ordinary skill in the art to which the present invention pertains, the information registration system for reinvesting the account balance in at least one financial product by referring to and / or modifying the drawing 3 will be described. Although various embodiments of the present invention may be inferred, the present invention is directed to all embodiments inferred. Law, and the present invention is not limited to the implementation method shown in FIG.

Hereinafter, the financial account information and the investment target financial product information and / or investment condition (or policy) information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for storage in the " information registration server 300 "

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for reinvesting an account balance according to the present invention into at least one financial product comprises a teller terminal provided in at least one financial institution branch, and / or And an information registration terminal 325 including at least one of a client terminal including at least one of a wired terminal and / or a wireless terminal used by the customer. The communication channel is connected to the information registration server 300 provided on the account balance reinvestment system through a network means.

According to one embodiment of the invention, the customer visits the financial institution branch to reinvest the account balance according to the invention in at least one or more financial products, and through the window provided at the financial institution branch (or teller) Through a request for reinvestment of the account balance in at least one financial instrument (e.g., a document with a form for entering at least one item of information for reinvesting the account balance in at least one financial instrument); After completing and submitting the completed application to the counter staff, the counter staff inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal inputs the input (or selected) information. Through the network means it is transmitted to the information registration server 300 provided on the account balance reinvestment system. It is good.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 300 connected to the teller terminal is ledger provided on the predetermined financial system It is preferable to include a server, wherein the network means for connecting the teller terminal and the information registration server 300 is a financial network (for example, the network) connecting the communication channel between the teller terminal and the information registration server 300 It is preferable to comprise a.

In the information registration system as described above, the application prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 300 is the account according to the present invention. In order to reinvest the balance in at least one financial product, it performs a function of an information registration interface for registering financial account information, target financial product information, and / or investment condition (or policy) information.

According to another embodiment of the present invention, the customer accesses the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Financial account information and investment target financial product information and / or investment conditions for reinvesting the account balance according to the present invention into at least one financial product through at least one or more user interfaces provided by the information registration server 300. Policy) information is input (or selected), it is preferable to transmit from the client terminal to the information registration server 300 provided on the account balance reinvestment system through a predetermined network means.

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

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

In addition, the information registration server 300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 300 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / depending on the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

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

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

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 300 and And / or the wireless network is an information registration interface for the customer to register financial account information, investment target financial product information and / or investment condition (or policy) information for reinvesting the account balance according to the present invention in at least one financial product. Perform the function of

According to another exemplary embodiment of the present invention, the information registration terminal 325 is an automatic teller machine connected to a predetermined financial network (for example, a financial common network) in addition to the counter terminal and / or the client terminal. An ATM), a cash dispenser (not shown) including a Cash Dispenser (CD), and / or a Public Switched Telephone Network (PSTN), VoIP (Voice over) It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as an IP) network, and / or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. And / or may further include a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, by which the present invention is not limited do.

In the information registration system as described above, when the information registration terminal 325 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 300 registers the financial account information and the financial object information and / or investment condition (or policy) information for the customer to reinvest the account balance according to the present invention in at least one financial product. And / or the information registration terminal 325 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the information registration. The wired telephone network and / or the wireless telephone network connecting the server 300 may allow the customer to reinvest the account balance according to the present invention in at least one financial product. And an information registration interface for registering investment target financial product information and / or investment condition (or policy) information, and / or an institution affiliated with the financial institution that is the information registration terminal 325. In the case of a terminal (and / or server) (not shown), the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) connecting the information registration server 300 The network may function as an information registration interface for the customer to register financial account information, investment target financial product information and / or investment condition (or policy) information in order to reinvest the account balance according to the present invention into at least one financial product. Conduct.

The reinvestment information D / B provided on the account balance reinvestment system according to the present invention uses the financial account information and the investment target financial product information and / or investment condition (or policy) information provided from the information registration terminal 325. And storing the financial account information, the investment target financial product information, and / or the investment condition (or policy) information stored in the reinvestment information D / B and the internet banking system. And / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, at least one of which is used for reinvesting the account balance according to the invention in at least one financial instrument.

According to one embodiment of the invention, the reinvestment information D / B is preferably provided in a DBMS on a financial system provided on the account balance reinvestment system (or associated with the account balance reinvestment system), wherein The reinvestment information D / B may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the reinvestment information D / B is provided on (or associated with) the account balance reinvestment 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.

The information registration server 300 provided on the account balance reinvestment system according to the present invention is a generic term for the component of the account balance reinvestment system connected to the information registration terminal 325 through a predetermined network means, and is at least one. It may be implemented by including the above server (or 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), whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 325 is a teller terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the information registration server 300 is a predetermined financial network. A ledger server provided on a financial system connected to the teller terminal and / or an automated teller machine (not shown), and / or a server (or device) provided on an external system on the financial system, and / or the It may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 325 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 300 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). Server (or device), and / or a program provided to the outside world on the financial system, whereby This is not limited.

According to another embodiment of the present invention, when the information registration terminal 325 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 300 is the wireless Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 325 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, thereby limiting the present invention No.

According to another embodiment of the present invention, when the information registration terminal 325 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 325 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 325 is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 305 is defined in the financial network. Connects a communication channel with a teller terminal and / or a financial automation device (not shown) based on the protocol stack, and defines a financial transaction related program provided in the teller terminal and / or the financial automation device (not shown). It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the established communication protocol.

According to another embodiment of the present invention, when the information registration terminal 325 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 305 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

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

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 325 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 305 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

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

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 325 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 305 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on 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 embodiment of the present invention, when the information registration terminal 325 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 3, the information registration server 300 interworks with the interface unit 305 when a predetermined information registration terminal 325 accesses the information registration server 300 through the interface unit 305. Generate (or extract) a predetermined user interface for inputting (or selecting) predetermined financial account information, investment target financial product information, and / or investment condition (or policy) information from the information registration terminal 325. Interface input unit 310 provided to the information registration terminal 325 and a predetermined input (or selection) transmitted from the information registration terminal 325 through the user interface in cooperation with the interface unit 305. An information receiver 315 for receiving the financial account information and the investment target financial product information and / or investment condition (or policy) information; and the received financial account information and the investment target financial product information and / or investment. That obtained by having a key (or policies) to store and process information associated with the re-invested information D / B information storage section 320 is characterized.

According to the present invention, the financial account information is characterized in that it further comprises a deposit due date information for the amount of money (or account transfer from at least one or more other accounts) to the customer financial account opened to the customer periodically Re-investing the account balance in at least one investment target financial product is performed on the day before the deposit scheduled date.

According to the present invention, the customer financial account corresponding to the financial account information is an account in which a certain amount of money is periodically deposited (or transferred from at least one other account), such as payroll account and / or pocket money account, wherein at least one or more The account balance to be reinvested in the financial product is characterized by including the balance remaining in the customer financial account before a new fixed amount is deposited (or transferred from at least one other account) to the customer financial account.

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information for an account balance-only financial product designed to invest the account balance, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information, preferably comprises a condition (or policy) for investing the account balance in at least one financial instrument operated by at least one financial instrument manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to the method of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer until at least one financial transaction corresponding to the customer financial account for a predetermined period until the day before the deposit due date. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the account to be reinvested in at least one financial instrument managed by at least one financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information is a monthly payment to the customer financial account (or transfer from at least one or more other accounts), the customer for a month An investment condition (or policy) for re-investing the account balance remaining in the financial account to at least one financial instrument managed by at least one financial instrument manager after at least one financial transaction corresponding to the financial account until the day before the deposit is due; It can be made, including.

According to the method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information remains in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. If the account balance reaches a certain amount, it includes an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager. desirable.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable to make.

According to the method of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information is determined by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. When the account balance remaining in the financial account reaches a certain amount, an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial product managed by at least one financial product manager. It is preferable to comprise a.

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the current account balance is less than 30,000 Korean won, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Korean Won). If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for three months and the day before the scheduled deposit date is more than 30,000 won or less than 50,000 won in cash, the accumulated account balance is financed. Reinvest in Product B (or at least one director's financial instrument with a minimum investment of less than 50,000 KRW); After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the account balance information. It consists of investing in each of at least two financial instruments.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

The interface providing unit 310 corresponds to a functional configuration provided in the information registration terminal 325 when a predetermined information registration terminal 325 is connected to the information registration server 300 through the interface unit 305. Generate (or select) the financial account information, the investment target financial product information, and / or the investment condition (or policy) information to generate a predetermined user interface which can be transmitted to the information registration server 300 through the network means. Or / or extract from a predetermined database (not shown), and provide the generated (or extracted) user interface to the information registration terminal 325 via the network means in association with the interface unit 305. It is characterized by.

According to an embodiment of the present invention, when the user interface for inputting (or selecting) the investment condition (or policy) information inputs (or selects) the investment condition (or policy) for each period of the account balance, Preferably, the user interface for inputting (or selecting) an investment condition (or policy) for each earning (or obtaining) period includes a user interface for inputting (or selecting) a period for accumulating (or obtaining) the account balance. And a user interface for recommending at least one financial instrument capable of reinvesting the account balance corresponding to the entered (or selected) period, and at least one financial instrument to be invested among the recommended at least one financial instrument. It is preferred to include a user interface for input (or selection).

According to another exemplary embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or select) the investment condition (or policy) for each amount (or acquisition) of the account balance. In this case, the user interface for inputting (or selecting) investment conditions (or policies) for each amount of the account balance includes a user interface for inputting (or selecting) an amount corresponding to the minimum account balance at which the reinvestment occurs. Preferably, at least one financial instrument capable of reinvesting the account balance corresponding to the input (or selected) amount (eg, the minimum investment amount of the financial instrument investment information is within an amount corresponding to the account balance). A user interface for recommending at least one financial instrument), and at least one And a user interface for inputting (or selecting) at least one or more investment financial instruments from among the financial instruments of the award.

According to another embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or obtain) the investment condition (or policy) for each period of the account balance (or acquisition) period and the amount of the account balance. The user interface for inputting (or selecting) the period of acquiring (or acquiring) the balance of the account and the investment condition (or policy) for each amount of money, inputting at least one period for acquiring (or acquiring) the account balance. (Or select) a user interface and a user interface for inputting (or selecting) at least one amount corresponding to the minimum account balance at which the reinvestment occurs in response to the input (or selection) accumulated (or earned) period. It is preferable to include, and also for the at least one accumulated (or obtained) period and amount of the input (or selection) A user interface for recommending at least one financial instrument capable of reinvesting the account balance (eg, at least one financial instrument whose minimum investment amount of the financial instrument investment information is within an amount corresponding to the account balance); And a user interface for inputting (or selecting) at least one or more investment target financial products from the recommended one or more financial products.

Thereafter, the information registration terminal 325 inputs (or selects) the financial account information, the investment target financial product information, and / or investment condition (or policy) information based on the user interface, and inputs (or selects) the information. The financial account information and the investment target financial product information and / or investment condition (or policy) information to the information registration server 300 through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal 325 is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 310 may display the window terminal and And / or generate (or extract) a predetermined user interface that can be provided by a financial transaction-related program included in the automatic teller machine (not shown), and generate the user interface generated through the interface unit 305 (or extracted). It is preferable to provide the counter terminal and / or the financial automatic device (not shown).

According to another embodiment of the present invention, when the information registration terminal 325 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 310 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 325 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305. .

According to another exemplary embodiment of the present invention, when the information registration terminal 325 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 310 is the call terminal (shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS-based user interface) through the interface unit 305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 325 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 310 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 305. .

The information receiver 315 inputs (or selects) predetermined financial account information, investment target financial product information, and / or investment condition (or policy) information through the user interface at the information registration terminal 325. When transmitting through a network means, the financial account information and the investment financial product information and / or investment condition (or policy) information is received in conjunction with the interface unit 305, the received financial account information And investment target financial product information and / or investment condition (or policy) information is provided to the information storage unit 320.

The information storage unit 320 processes the financial account information received through the information receiving unit 315 and the investment target financial product information and / or investment condition (or policy) information and stores the information in the reinvestment information D / B. When the reinvestment information D / B is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit 320 is the It is preferable to store the received financial account information, investment target financial product information and / or investment condition (or policy) information in association with the reinvestment information D / B, and the reinvestment information D / B is provided on the financial system. In the case of the DBMS, the information storage unit 320 transfers the received financial account information, investment target financial product information, and / or investment condition (or policy) information to an information system through an external system on the financial system. It is desirable to provide and store.

4 is a diagram illustrating an information registration process for reinvesting an account balance previously issued to a customer in at least one financial product according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a case where the client terminal accesses the information registration server 300 when the information registration server 300 on the information registration system shown in FIG. 3 has a web server function. After connecting the communication channel for information registration according to the above, the information registration server 300 through the communication channel including the financial account information, investment target financial product information and / or investment condition (or policy) information When the reinvestment application information of the account balance is transmitted, the information registration server 300 relates to an implementation method of linking and processing the received reinvestment application information of the account balance to a predetermined reinvestment information D / B, the present invention Those skilled in the art may refer to and / or modify this drawing to change the account balance from the client terminal to the information registration server 300. Of would be able to infer a variety of exemplary ways to attach reinvested application information, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The financial account information and the investment target financial product information and / or investment condition (or policy) information transmitted to the server 300 are referred to as "reinvestment application information of the account balance" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc. to register reinvestment application information of the account balance, and reinvest the account balance in at least one financial product. When requesting registration of the reinvestment application information of the account balance to the server (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the reinvestment application information of the account balance (405). In operation 410, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface inputs reinvestment application information of an account balance including at least one of the financial account information, the investment target financial product information, and / or investment condition (or policy) information in the terminal. It is preferable to include a user interface (or selection).

In addition, the web page transmission and / or output process is preferably performed at least once according to the re-investment application information registration procedure of the account balance, thereby the present invention is not limited.

According to an embodiment of the present invention, when the user interface for inputting (or selecting) the investment condition (or policy) information inputs (or selects) the investment condition (or policy) for each period of the account balance, Preferably, the user interface for inputting (or selecting) an investment condition (or policy) for each earning (or obtaining) period includes a user interface for inputting (or selecting) a period for accumulating (or obtaining) the account balance. And a user interface for recommending at least one financial instrument capable of reinvesting the account balance corresponding to the entered (or selected) period, and at least one financial instrument to be invested among the recommended at least one financial instrument. It is preferred to include a user interface for input (or selection).

According to another exemplary embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or select) the investment condition (or policy) for each accumulated (or obtained) amount of the account balance. In this case, the user interface for inputting (or selecting) investment conditions (or policies) for each amount of the account balance includes a user interface for inputting (or selecting) an amount corresponding to the minimum account balance at which the reinvestment occurs. Preferably, at least one financial product capable of reinvesting the account balance corresponding to the input (or selected) amount (eg, the minimum investment amount of the financial product investment information is within an amount corresponding to the account balance). A user interface for recommending at least one financial instrument corresponding to It comprises a user interface on the input at least one investment instrument from the instrument (or select) is preferred.

According to another embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or obtain) the investment condition (or policy) for each period of the account balance (or acquisition) period and the amount of the account balance. The user interface for inputting (or selecting) the period of acquiring (or acquiring) the balance of the account and the investment condition (or policy) for each amount of money, inputting at least one period for acquiring (or acquiring) the account balance. (Or select) a user interface and a user interface for inputting (or selecting) at least one amount corresponding to the minimum account balance at which the reinvestment occurs in response to the input (or selection) accumulated (or earned) period. It is preferable to include, and also for the at least one accumulated (or obtained) period and amount of the input (or selection) A user interface for recommending at least one financial instrument capable of reinvesting the account balance (eg, at least one financial instrument whose minimum investment amount of the financial instrument investment information is within an amount corresponding to the account balance); And a user interface for inputting (or selecting) at least one or more investment target financial products from the recommended one or more financial products.

Thereafter, the terminal inputs (or selects) at least one or more financial account information, investment target financial product information, and / or investment condition (or policy) information through the information registration interface (415).

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information, preferably comprises a condition (or policy) for investing the account balance in at least one financial instrument operated by at least one financial instrument manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to the method of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer until at least one financial transaction corresponding to the customer financial account for a predetermined period until the day before the deposit due date. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the account to be reinvested in at least one financial instrument managed by at least one financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information is a monthly payment to the customer financial account (or transfer from at least one or more other accounts), the customer for a month An investment condition (or policy) for re-investing the account balance remaining in the financial account to at least one financial instrument managed by at least one financial instrument manager after at least one financial transaction corresponding to the financial account until the day before the deposit is due; It can be made, including.

According to the method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information remains in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. If the account balance reaches a certain amount, it includes an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager. desirable.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable to make.

According to the method of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information is determined by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. When the account balance remaining in the financial account reaches a certain amount, an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial product managed by at least one financial product manager. It is preferable to comprise a.

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the existing account balance is less than 30,000 won in cash, reinvest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for the month and the day before the scheduled deposit date is 30,000 won or more and 50,000 won or less in cash, Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 or less) and After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the account balance information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

If the terminal inputs (or selects) the reinvestment application information of the account balance including the financial account information and the investment target financial product information and / or investment condition (or policy) information through the information registration interface (420), The terminal transmits the input (or selected) financial account information and the investment target financial product information and / or investment condition (or policy) information to the server through the financial transaction channel (425).

According to an embodiment of the present invention, the financial account information and the investment target financial product information and / or investment condition (or policy) information input (or selected) through the financial transaction channel are transmitted to the server. The financial account information and / or the investment target financial product information and / or investment condition (or policy) information input (or selected) through the registration interface are transmitted to the server by electronic signature and / or encryption through the security module provided in the terminal. It can be made further comprising.

Thereafter, the server confirms the validity of the reinvestment application information of the account balance by receiving and reading the financial account information and the investment target financial product information and / or investment condition (or policy) information through the financial transaction channel. (430).

According to the method of the present invention, receiving and reading the reinvestment application information of the account balance through the financial transaction channel to confirm the validity, the financial account information and the investment target financial product information and / or investment received from the terminal And decrypting the condition (or policy) information and / or confirming the electronic signature attached to the financial account information and the investment target financial product information and / or the investment condition (or policy) information.

If the validity of the reinvestment application information of the account balance is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), and reinvests the account balance. Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the reinvestment application information of the account balance is authenticated (435), the server performs the information registration procedure corresponding to the reinvestment application information of the account balance, thereby the financial account information and the investment target financial product information and / Or by linking and processing the investment condition (or policy) information in the predetermined reinvestment information D / B (445), and generating and transmitting a web page including the predetermined information registration history information to the terminal (450). Complete the procedure to register the reinvestment application information of the account balance requested from the terminal.

According to the method of the present invention, the reinvestment information D / B is located in a DBMS provided on the account balance reinvestment system, and / or located in a DBMS provided on a financial system linked to the Internet banking system. All are possible, and the present invention is not limited thereby.

5 is a diagram showing the configuration of the account balance reinvestment system according to an embodiment of the present invention.

In more detail, Figure 5 is a predetermined customer checks the account balance remaining in the financial account after at least one financial transaction through the customer financial account opened to the customer through the account opening system shown in Figure 1 Corresponding to the account balance based on the customer financial account information and the investment target financial product information and / or investment condition (or policy) information stored in connection with the reinvestment information D / B shown in Figure 1 and / or Figure 3 The present invention relates to a system for reinvesting an amount of money in at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information, and a person having ordinary knowledge in the technical field to which the present invention belongs, Customer stored in connection with the reinvestment information D / B shown in FIGS. 1 and / or 3 by referring to and / or modifying the drawing 5 Various system configurations for reinvesting an amount corresponding to the account balance may be inferred based on the loan account information, the target financial product information, and / or the investment condition (or policy) information, but the present invention is inferred from the implementation method. It includes all, and is not limited to the embodiment shown in FIG.

For example, the account balance reinvestment system shown in FIG. 5 is an implementation method in which the investment target financial product can be operated only by a predetermined financial system such as a deposit / saving product, and the amount corresponding to the account balance is determined by the financial system. Although illustrated as a reinvestment through, it is apparent that the system for reinvesting an amount corresponding to the account balance further includes a predetermined securities system when the financial object to be invested is a securities investment product according to the intention of the person skilled in the art. And / or if the investment target financial product is an insurance investment product, it is obvious that the system for reinvesting the amount corresponding to the account balance further comprises a predetermined insurance system, whereby the present invention is not limited thereto. .

Here, those skilled in the art (for example, financial experts, securities specialists, insurance specialists), because you will be familiar with the technical features of the securities system and / or insurance system, Detailed description is omitted for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the account balance reinvestment system may include at least one financial transaction through a customer financial account opened to a customer by an account through the account opening system shown in FIG. Financial transaction system that provides a, at least one or more financial transaction terminal 530, and at least one or more financial transactions that are requested from the financial transaction terminal 530, a predetermined financial network (eg, financial common network, CD common network, etc.) Characterized in that it comprises a financial system for processing.

According to the embodiment of the present invention, the financial transaction terminal 530 is a window terminal, an unmanned financial terminal, a client terminal, a wireless terminal, a home appliance terminal, etc. according to a financial transaction system requesting at least one financial transaction through the financial system. It is preferable to include at least one.

According to the invention, the financial system is characterized in that connected to at least one or more window terminals provided in the branch (and / or branch) of the financial institution through a predetermined financial network (eg, our network), the window Provides a face-to-face financial transaction service for at least one financial transaction customer through the terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg CD common network) 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 (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) 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, a 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 telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone 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 (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 5, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

According to the present invention, the ledger D / B is characterized in that at least one investment amount withdrawal account and at least one investment amount deposit account is opened.

Here, the at least one investment amount withdrawal account opened in the ledger D / B is the customer financial account, characterized in that the amount corresponding to the account balance provided to the customer is deposited in the financial account.

In addition, the at least one investment amount deposit account opened in the ledger D / B is a financial account to be deposited when the investment amount in the financial products corresponding to the investment target financial product information, according to the present invention, The deposit of a predetermined amount into an account is considered to have been invested in the amount corresponding to the deposit amount in a financial instrument corresponding to the investment amount deposit account.

Referring to FIG. 5, the external system of the financial system is connected to the investment manager server 500 through a predetermined financial network (for example, a financial common network) and at least one financial product corresponding to the account balance. Characterized in that it comprises a financial investment department that performs the financial business to invest in.

The financial investment unit corresponds to the investment amount withdrawal account information when at least one or more customer information, investment amount withdrawal account information, investment amount information, and investment amount deposit account information are provided from the investment manager server 500. And withdraw the amount corresponding to the investment amount information from the financial account and deposit the amount of money corresponding to the investment amount into the financial account corresponding to the investment amount deposit account information in the name of the customer corresponding to the customer information. The customer is treated as having invested an amount corresponding to the investment amount information in a financial product corresponding to the investment amount deposit account information.

In FIG. 5, the financial product investment system remains in the customer financial account and the reinvestment information D / B for linking and storing the customer financial account information and the investment target financial product information and / or investment condition (or policy) information. Based on the remaining account balance, the customer financial account information and the investment target financial product information and / or investment condition (or policy) information stored in connection with the reinvestment information D / B shown in FIGS. 1 and / or 3. And an investment manager server 500 for reinvesting an amount corresponding to an account balance in at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. The investment manager server 500 interlocks the amount corresponding to the account balance with the reinvestment information D / B according to the investment condition (or policy) information. And a financial system used to reinvest in at least one financial product corresponding to the investment target financial product information.

Referring to FIG. 5, the investment manager server 500 stores the investment condition (or policy) information and the customer stored in the reinvestment information D / B shown in FIGS. 1 and / or 3 based on predetermined financial account information. By checking and comparing the account balance remaining in the financial account, the information confirmation unit 515 to confirm whether to re-invest the amount corresponding to the account balance in at least one or more investment target financial products according to the investment condition (or policy) information And re-investing the account balance corresponding to the customer financial account information in at least one or more investment target financial products, from the reinvestment information D / B based on the financial account information. An information extracting unit 520 for extracting investment condition (or policy) information and extracting the account balance from the ledger D / B and remaining in the customer financial account; An information generation unit 510 for calculating an investment amount corresponding to an account balance and generating investment processing information for reinvesting the investment amount into at least one investment target financial product according to the investment condition (or policy) information; A financial product investment in which an investment amount calculated corresponding to the account balance is invested in at least one or more investment target financial products based on the investment condition (or policy) information based on the generated investment processing information in association with a predetermined financial system. It is characterized by comprising a portion 505.

In addition, the investment manager server 500 invests the investment amount corresponding to the account balance by the financial product investment unit 505 in at least one investment target financial product according to the investment condition (or policy) information. And generating predetermined account balance investment information including a result of investing the investment amount corresponding to the account balance in at least one investment target financial product according to the investment condition (or policy) information. An investment information storage unit 525 to be stored in the further characterized in that it is made.

The information checking unit 515 may include at least one customer financial account information and investment condition (or policy) information stored in association with the reinvestment information D / B shown in FIGS. 1 and / or 3, and the ledger D / By comparing and reading the financial account information and the account balance stored in B on the basis of the financial account information, an amount corresponding to the account balance remaining in the customer financial account is processed in association with the financial account information. It is characterized in that it is linked to the investment conditions (or policy) information stored in the reinvestment information D / B to determine whether to reinvest in at least one or more investment target financial products corresponding to the investment target financial product information.

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information for an account balance-only financial product designed to invest the account balance, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information, preferably comprises a condition (or policy) for investing the account balance in at least one financial instrument operated by at least one financial instrument manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to the method of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer until at least one financial transaction corresponding to the customer financial account for a predetermined period until the day before the deposit due date. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the account to be reinvested in at least one financial instrument managed by at least one financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to the method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information remains in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. If the account balance reaches a certain amount, it includes an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager. desirable.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to the method of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information is determined by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. When the account balance remaining in the financial account reaches a certain amount, an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial product managed by at least one financial product manager. It is preferable to comprise a.

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for the month and the day before the scheduled deposit date is 30,000 won or more and 50,000 won or less in cash, Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 or less) and After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the account balance information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the account balance, the information checking unit 515 may determine the investment condition (or policy) information. By comparing the period information included and the date and time information included in the account balance based on the current standard time information (for example, standard time information checked from a timer provided in the investment manager server 500), the reinvestment of the account balance is established. It is desirable to check whether or not.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the account balance, the information checking unit 515 may include an amount corresponding to the account balance. By comparing the amount information included in the investment condition (or policy) information, it is preferable to confirm whether or not to reinvest the account balance.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the account balance, the information checking unit 515 may determine the investment condition (or policy). Policy) by comparing the period information included in the information with the date and time information included in the account balance based on current standard time information (for example, standard time information checked from a timer provided in the investment manager server 500). Checking whether reinvestment is established by period and comparing the amount corresponding to the account balance with at least one amount of information included in the investment condition (or policy) information during the period; It is desirable to check.

In addition, when the investment condition (or policy) information includes investment conditions (or policies) for each period and amount of the account balance, the information checking unit 515 may determine an amount corresponding to the account balance and the investment condition (or policy). Policy) by comparing the amount information included in the information, to confirm whether the re-investment by the amount of the account balance established, and also to provide the date and time information included in the account balance in the current standard time information (for example, the investment manager server 500) It is preferable to confirm whether a reinvestment is established for the account balance by comparing with at least one or more period information included in the investment condition (or policy) information based on the standard time information verified from the timer.

When the information extracting unit 520 re-invests the account balance corresponding to the customer financial account information in at least one or more investment target financial products as a result of the check by the information confirming unit 515, the reinvestment information D / B Extracting the investment target financial product information and the investment condition (or policy) information linked to the customer financial account information, and extracting the account balance linked to the financial account information from the ledger D / B on the financial system. It features.

According to an embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the account balance, the information extracting unit 520 stores the information stored in the reinvestment information D / B. Extract the investment condition (or policy) for each period from the investment condition (or policy) information, and extract the account balance corresponding to the investment condition (or policy) for each period from the ledger D / B to the information generation unit 510. It is desirable to provide.

In addition, when the investment conditions (or policies) for each period of the account balance is included in the investment condition (or policy) information as described above, the information extraction unit 520 is a predetermined corresponding to the account balance from the ledger D / B. It is preferable to extract investment amount withdrawal account information and provide it to the information generation unit 510, and / or at least one or more investment target financial products that meet the investment conditions (or policies) for each period from the reinvestment information D / B. It is preferable to extract investment amount deposit account information corresponding to (or included) information and the investment target financial product information and provide the extracted information to the information generating unit 510.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the account balance, the information extracting unit 520 is stored in the reinvestment information D / B. The information generating unit 510 extracts an investment condition (or policy) for each amount from the investment condition (or policy) information, and extracts an account balance corresponding to the investment condition (or policy) for each amount from the ledger D / B. It is preferable to provide.

In addition, when the investment condition (or policy) information by the amount of the account balance is included in the investment condition (or policy) information as described above, the information extraction unit 520 is a predetermined corresponding to the account balance from the ledger D / B. It is preferable to extract investment amount withdrawal account information and provide it to the information generating unit 510, and / or at least one or more investment target financial products that meet the investment conditions (or policies) for each amount from the reinvestment information D / B. It is preferable to extract investment amount deposit account information corresponding to (or included) information and the investment target financial product information and provide the extracted information to the information generating unit 510.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the account balance, the information extracting unit 520 performs the reinvestment information D /. Extract the investment conditions (or policies) by the period and amount from the investment condition (or policy) information stored in B, and extract the account balance corresponding to the investment conditions (or policies) by the period and amount from the ledger D / B. It is preferable to provide to the information generating unit 510.

In addition, when the investment condition (or policy) information as described above includes the investment condition (or policy) by the period and amount of the account balance, the information extraction unit 520 corresponding to the account balance from the ledger D / B It is preferable to extract predetermined investment amount withdrawal account information and provide it to the information generation unit 510, and / or at least one or more items meeting the investment conditions (or policies) for each period and amount from the reinvestment information D / B. It is preferable to extract the investment target financial product information and the investment amount deposit account information corresponding to (or included) the investment target financial product information and provide the extracted information to the information generating unit 510.

According to the method of the present invention, the information extracting unit 520 extracts predetermined customer information (eg, customer name, social security number, etc.) corresponding to the financial account information from predetermined customer information D / B (not shown). It is preferable to provide to the information generating unit 510.

The information generator 510 calculates an investment amount corresponding to the account balance remaining in the customer financial account by the information extractor 520.

In addition, the information generating unit 510 may include predetermined investment processing information including the calculated investment amount, investment amount withdrawal account information, investment amount deposit account information, and customer information extracted by the information extraction unit 520. And generating the investment processing information to the financial product investment unit 505.

In this case, the investment processing information is required to perform a financial business to process the investment manager server 500 to interoperate with a predetermined financial system to invest the amount corresponding to the account balance in at least one investment target financial product. Including information, and may be further included at least one or more information according to the intention of those skilled in the art.

The financial product investment unit 505 converts the investment processing information in accordance with a communication protocol promised with a financial system that performs a financial operation to process an amount corresponding to the account balance to invest in at least one or more investment target financial products. For example, the investment processing information is inserted into a communication protocol stack promised with the financial system. Then, the investment processing information is transmitted to the financial system through a predetermined financial network. The investment amount calculated corresponding to the account balance is processed to invest in at least one or more investment target financial products according to the investment condition (or policy) information.

Thereafter, the financial system withdraws the amount corresponding to the investment amount information from the financial account corresponding to the investment amount withdrawal account information included in the investment processing information, and deposits the investment amount deposit account under the name of the customer corresponding to the customer information. And depositing money in a financial account corresponding to the information, whereby the customer corresponding to the customer information has invested the amount corresponding to the investment amount information into the financial product corresponding to the investment amount deposit account information. do.

When it is confirmed that the financial product investment unit 505 has invested the investment amount corresponding to the account balance in at least one or more investment target financial products in accordance with the investment condition (or policy) information in connection with the financial system, the investment The information storage unit 525 is the financial information of the customer information, the investment amount information and the financial product information (eg, at least one or more investment target financial product information extracted by the information extraction unit 520) is invested Generate an account balance investment information including the at least one financial product information invested by the investment amount by the commodity investment unit 505; and the customer information, the investment amount information, and the financial product included in the account balance investment information. Characterized in that the information is linked and stored in a predetermined investment information D / B, and then the investment manager server 500 is the investment Referring to the investment account balance information stored in the correction D / B is to provide a return on the investment for the customer.

According to an embodiment of the present invention, the account balance investment information stored in the investment information D / B may be a customer wire communication means such as an e-mail, and / or a wireless message (for example, a short message, a multimedia message, etc.). It is preferably provided to the customer through a customer wireless communication means such as) and / or included in the transaction history of the bank account and provided to the customer.

6 is a block diagram of an internet banking system according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates at least one client terminal and Internet banking based on a transmission control protocol / Internet protocol (TCP / IP) -based network (eg, the Internet) of the financial transaction system shown in FIG. A method for implementing an internet banking system for processing at least one or more financial transactions requested from the client terminal in connection with a financial system in a predetermined internet banking server 600 to which a communication channel is connected, the internet banking system using a web browser. And an internet banking server 600 for providing an internet banking service to at least one or more client terminals, wherein the internet banking server 600 includes the Internet through a predetermined interface means. Gold needed to provide banking services It is associated with a financial system that handles the task.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 6 illustrates the use of Internet banking between the client terminal and the Internet banking server based on a predetermined browser program (for example, Microsoft's Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although an implementation method of an internet banking system for processing a financial transaction is illustrated, those of ordinary skill in the art to which the present invention pertains may use the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. It is possible to infer a configuration of an internet banking system for processing a financial transaction using internet banking between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or transformed. Saw foot Includes an Internet banking system, which is provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the configuration of the Internet banking system shown in Figure 6, non-face-to-channel based financial transactions according to the present invention It would be possible to infer another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, but the present invention provides such a telebanking system and / or a wireless banking system and / or a TV banking system. Or any non-face-to-face channel banking system including a non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal is connected to the Internet banking server 600 based on the TCP / IP-based wired communication function and the wired communication function, the desktop having at least one web browser for receiving a browsing-based wired web service ( Desktop) characterized in that it comprises a wired terminal including at least one computer and / or notebook (Notebook), the Internet banking server 600 through a predetermined network means including the TCP / IP-based Internet And a communication channel for internet banking is connected.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External systems that connect to the computer network and provide various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser), ATM (Automatic Teller Machine), other line, call center, financial settlement, etc. An interface module corresponding to a middleware platform providing inter-component interfacing; DBMS including at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component in an existing financial system. (DataBase Management System), and according to the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (city O), at least one or more components such as 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 may Since the technical details of the system will be clearly understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto. No.

According to an embodiment of the present invention, the Internet banking server 600 interworks with the financial system through the external system, and for this purpose, the Internet banking server 600 interworks with the Internet banking server 600 through a predetermined interface means. It is preferred to include a component for.

The Internet banking server 600 is a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one client terminal, and / or the financial system And a DBMS 620 including a database for storing Internet banking information required to provide a predetermined Internet banking service in association with the data bank or interworking with a data server provided with the DBMS 620 according to an embodiment. In this way, a predetermined internet banking service is provided to at least one or more of the client terminals.

According to an embodiment of the present invention, the Internet banking information may be configured to authenticate a customer corresponding to the client terminal when at least one or more client terminals access and log in to the Internet banking server 600, and / or the customer Authenticate the financial transaction customer during at least one financial transaction through a banking server 600, and / or Authenticate a customer who subscribes to the financial product when the customer subscribes at least one financial product to the internet banking server 600. It is preferable that the customer authentication information and the banking element information for processing the financial transaction corresponding to the financial transaction request in conjunction with the financial system when the financial transaction request from the customer through the client terminal, At least one required for internet banking as intended by one of ordinary skill in the art On, but the information may further be included, the figure 6, it will be omitted for convenience.

Referring to FIG. 6, the Internet banking server 600 connects and manages a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more client terminals. 605, a web page operating unit 615 for operating a web page to be provided to at least one or more client terminals in cooperation with the web interface unit 605 and the DBMS 620, and the web page operating unit 615. ) A UI processing unit 610 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal in cooperation with the at least one client terminal, and the DBMS (in conjunction with the UI processing unit 610). 620 extracts predetermined content for providing the Internet banking service, or a predetermined controller to be stored in the DBMS 620 from the client terminal. Characterized in that it comprises a content management unit 625 for receiving the data, the communication channel and the user for processing the Internet banking based on HTTP between the client terminal and the Internet banking server 600 by the functional configuration The interface is implemented.

In addition, the Internet banking server 600 interoperates with the web page operation unit 615 through the UI processing unit 610 based on the customer authentication information of the Internet banking information to the at least one client terminal to the customer authentication interface screen The customer authentication unit 630 is provided or receives at least one or more customer authentication information based on the interface screen.

In addition, the Internet banking server 600 is connected to the web page operation unit 615 through the UI processing unit 610 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one client terminal Or a banking processor 635 provided with at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 600 comprises a ledger processing unit 640 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system through a predetermined interface means, and The ledger processing unit 640 may be connected to the external system of the financial system through the interface unit.

The customer authentication information stored in the DBMS 620 includes at least one of ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server 600 through the client terminal. It is preferable to include the member information including the above, in this case, the customer authentication unit 630 in conjunction with the UI processing unit 610 to request the ID / PW information of the customer to the client terminal, the client terminal And receiving the ID / PW information from the ID, and comparing the received ID / PW information with ID / PW information included in the member information, thereby authenticating the customer.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 600 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The client terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Preferably, for this purpose, the customer authentication unit 630 preferably further comprises a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 620 is the certification authority information (for example, KFTC) and certificate server information, and / or the official certificate registration, which issued a predetermined official certificate to a customer connected through the client terminal. Institutional information (eg, if the accredited certificate is registered through the company, the information of the party, if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification body further. Preferably, the customer authentication unit 630 requests the authentication certificate based customer authentication through an authentication certificate registered by the registrar to the authentication server of the certification authority, and receives the result of the customer authentication from the authentication server. By receiving, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the customer authentication unit 630 provides the communication session information and the certificate information connected to the client terminal to the authentication server of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the client terminal, it is preferable to provide the result to the customer authentication unit 630.

In addition, the customer authentication information stored in the DBMS 620 is made of a copy of the authentication certificate of the customer accessing the Internet banking server 600 through the client terminal, and / or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 630 is based on the certificate to the client terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer Requesting customer information, receiving the certificate-based customer information from the client terminal, and authenticating the customer by authenticating the certificate-based customer information through a copy of the certificate and / or a directory of a certification authority. .

According to the exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 630 or a predetermined random number generated by the client terminal. The random number is encrypted through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Encrypted and provided to the customer authentication unit 630 (for example, if the random number is generated in the client terminal further comprises a random number of the plain text), the customer authentication unit 630 and a copy of the authentication certificate of the customer and And / or decrypt and compare the random numbers encrypted based on the certificate information of the customer extracted from the directory, and / or It is preferable to authenticate the customer by encrypting and comparing the random number in the plain text form (eg, the random number generated by the customer authentication unit 630 and / or the random number generated by the client terminal).

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the client terminal (eg, information stored in the storage device of the client terminal by the Internet banking server 600, and / or the Information (or system information) previously stored in the client terminal, and / or storage information (eg, IC card (and / or IC chip) read out from the IC card (and / or IC chip) interoperating with the client terminal. A serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuing authority), in which case the client terminal uses the certificate. Encrypting the stored information in at least one of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Equation is encrypted through the formula provided to the customer authentication unit 630, the customer authentication unit 630 is encrypted based on the authentication certificate information of the customer extracted from the copy of the customer's official certificate and / or the directory It is preferable to authenticate the customer by decrypting and comparing the long information.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the client terminal (for example, information input through a key input device provided in the client terminal, and And / or information input through an input device (for example, a local area communication device, etc.) other than a key input device provided in the client terminal, in which case the client terminal symmetrics the input information through the public certificate. (Or secret key) encryption and / or public key encryption, and / or electronic envelope encryption, and / or key exchange encryption through at least one or more of the encryption method provided to the customer authentication unit 630 And, in the customer authentication unit 630, the copy of the customer's official certificate and / or the certificate of the customer extracted from the directory By intercomparison decrypts the encrypted input information based on the certificate information, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS 620 is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the One Time Password (OTP) authenticator provided to the customer, this When the customer authentication unit 630 interoperates with the UI processing unit 610 to request a predetermined OTP code to the client terminal, receives the OTP code from the client terminal, based on the OTP generation information By generating an OTP authentication code, by comparing the received OTP code and the generated OTP authentication code, it characterized in that to authenticate the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method in the client terminal to provide a more advanced security function And / or is encrypted and received through at least one encryption method among key exchange encryption methods, and for this purpose, the customer authentication unit 630 preferably further includes a function configuration for decrypting the OTP code. Do.

When at least one financial transaction is requested from the client terminal, the banking processor 635 provides a financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processor 610. When predetermined financial transaction request information is input (or selected) from the client terminal through the financial transaction request information input interface screen, the predetermined financial transaction request information corresponding to the financial transaction request information is referred to with reference to the banking element information. Generate (or extract) financial transaction information and provide it to the ledger processing unit 640.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processing unit 635 interoperates with the UI processing unit 610 to transmit the information necessary for the account transfer to the client terminal (eg, withdrawal account number, withdrawal). Provides a predetermined interface screen for inputting (or selecting) an account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and provides information (e.g., When a withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input (or selected) and received, the transfer amount is transferred from the withdrawal account with reference to the banking element information. Generates financial transaction information for withdrawing money and deposits it into the deposit account and provides it to the ledger processor 640. .

According to the exemplary embodiment of the present invention, the banking processor 635 receives the predetermined financial transaction request information from the client terminal, in connection with the customer authentication unit 630, through the at least one customer authentication method. It is preferable to authenticate the customer who requested the transaction, thereby making sure of the confidentiality and authentication of the customer who requested the financial transaction through the client terminal (or a customer who has entered (or selected) and transmitted the financial transaction request information). ), Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 635 may secure the confidentiality, authentication, integrity, and nonrepudiation of at least one financial transaction request information transmitted from the client terminal. The electronic signature of the customer is attached to the transaction request information, and the financial transaction request information to which the electronic signature is attached is preferably encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 635 ) Preferably receives the financial transaction request information from the client terminal, decrypts it with a public key decryption scheme according to the public key infrastructure, and confirms the electronic signature, thereby providing confidentiality of the financial transaction request information. Authentication, integrity and nonrepudiation are ensured.

Alternatively, the banking processor 635 may secure the confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information transmitted from the client terminal for at least one financial transaction. It is preferable to encrypt and transmit the electronic envelope method, in this case, the banking processing unit 635 receives the financial transaction request information from the client terminal is preferably decrypted by the electronic envelope method, thereby the financial transaction request Confidentiality, authentication, integrity and nonrepudiation of the information are secured.

The ledger processing unit 640 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 635, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system, extract the identified ledger information from the ledger on the financial system through the interface means, and / or correspond to the financial transaction information. And generate (or extract) ledger record information recorded in the ledger on the financial system, and record the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

For example, the financial transaction requested from the client terminal is an account inquiry transaction for the last month, and the banking processing unit 635 generates financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry (or And the ledger processing unit 640, based on the financial transaction information for the account inquiry, the account ledger associated with the customer ledger on the financial system through the interface means (and / or the transaction associated with the account ledger). The transaction history of the account is extracted from the transaction history of the account and provided to the banking processor 635.

7A and 7B illustrate financial transactions using Internet banking according to an embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate an Internet banking system shown in FIG. 6, wherein the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet). After connecting the Internet banking-based financial transaction channel between the client terminal and the Internet banking server by performing a customer authentication procedure, the financial transaction according to the present invention from the client terminal to the Internet banking server through the Internet banking-based financial transaction channel Requesting, processing the requested financial transaction in the internet banking server, and providing the result to the client terminal through the internet banking-based financial transaction channel. If you are familiar with this information, please refer to and / or modify this drawing z. Although various financial transaction methods using an internet banking-based financial transaction channel may be inferred between the client terminal and the Internet banking server, the present invention includes all the implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

7A and 7B illustrate the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Based on the implementation method for connecting the Internet banking-based financial transaction channel for financial transactions using the Internet banking between the client terminal and the Internet banking server, if the person of ordinary skill in the art Refer to and / or modify the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 7A and 7B, based on a predetermined Internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. On the internet Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for financial transactions using a king, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 7a and 7b, a telebanking system And / or another banking system, such as a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for financial transactions using internet banking. A banking system and / or a wireless banking system and / or a TV banking system and / or a non-face-to-face channel banking system, which is proposed in the future, include all types of non-face-to-face channel based financial transactions, and the technical configuration of the present invention is shown in FIG. It is by no means limited to the case of Internet banking shown in FIG.

7A and 7B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server is referred to as " server " for convenience.

7A and 7B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (700a), the server communicates between the terminal and the server through the browser. 705a, wherein the communication channel is generated (or extracted) by a request of a browser program provided to the client terminal and transmitted to the client 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 exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server may be configured with the Internet banking program and at least one or more information based on a predetermined communication protocol defined in the internet banking program. Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (710a).

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

If a predetermined security module is to be installed and / or updated in the terminal (715a), 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 720a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (725a), or if the terminal does not need to mount and / or update the Internet banking security module (715a), 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 (730a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, confirming the digital signature in the terminal and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also provided by the terminal to the server for financial transactions using internet banking. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for financial transactions using internet banking. Attach certain electronic signatures to the information (or data) to be provided and / or When encrypted and transmitted using at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (735a).

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. Requesting 740a, the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (745a).

If the Internet banking customer authentication fails (750a), the server blocks the Internet banking security channel for the terminal (755a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (750a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (760a), where the Internet banking based The financial transaction channel refers to at least one financial transaction request requested from the terminal, and the server accesses the ledger on the financial system to perform the requested financial transaction (eg, account inquiry, account transfer, bill payment, .. Communication channel).

When the Internet banking-based financial transaction channel between the terminal and the server is connected, the terminal requests the Internet banking-based financial transaction to the server through the inter-banking-based financial transaction channel for the financial transaction according to the present invention (700b) The server extracts at least one transmission information to be provided to the terminal for the internet banking-based financial transaction by checking the internet banking-based financial transaction requested from the terminal (705b).

According to an exemplary embodiment of the present invention, the transmission information is preferably extracted from banking element information stored in a DBMS provided on the Internet banking system, and information (or transmission information required for security) among the extracted transmission information. All) are encrypted and / or have an electronic signature attached.

According to another exemplary embodiment of the present invention, the transmission information may be extracted from ledger information of a DBMS provided on a financial system linked to the internet banking system, and information requiring security among the extracted transmission information. (Or the entire transmission information) is preferably encrypted and / or appended with an electronic signature.

Thereafter, the server generates (or extracts) a webpage corresponding to a predetermined financial transaction interface including the extracted transmission information (710b), and generates (or extracts) the Internet page through the internet banking-based financial transaction channel. The web page is transmitted to the terminal for output (715b).

According to an embodiment of the present invention, the financial transaction interface preferably comprises an interface for inputting (or selecting) predetermined financial transaction request information in the terminal, and / or the financial transaction request information and / or the A password (e.g., account password) and / or security code (e.g., a security code printed on a security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting a financial transaction. And / or an interface for entering a one time password (OTP) (e.g., a one-time password generated through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include.

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the Internet banking financial transaction procedure, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the server does not generate (or extract) a web page, and the extracted transmission information is defined in the internet banking program. It can be processed into a data structure corresponding to a predetermined communication protocol and transmitted to the terminal, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one through the financial transaction interface (720b).

If the financial transaction request information is input (or selected) through the financial transaction interface at the terminal (725b), the terminal transmits the input (or selected) financial transaction request information to the server through the financial transaction channel. Transmit (730b).

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

Thereafter, the server checks the validity of the financial transaction request information by receiving and reading the financial transaction request information through the financial transaction channel (735b).

According to an embodiment of the present invention, receiving and reading the financial transaction request information through the financial transaction channel to confirm validity may decode the financial transaction request information received from the terminal and / or the financial transaction request information. This includes checking the digital signature attached to it.

In addition, the validation of the financial transaction request information, preferably, further comprises authenticating a password and / or security code and / or OTP included in the financial transaction request information.

If the validity of the financial transaction request information is not authenticated (740b), the server generates a web page including predetermined financial transaction error information and transmits the generated web page to the terminal (745b), corresponding to the financial transaction request information. Do not perform financial transaction procedures.

On the other hand, if the validity of the financial transaction request information is authenticated (740b), the server performs a financial transaction procedure corresponding to the financial transaction request information (750b).

According to an embodiment of the present invention, the financial transaction procedure corresponding to the financial transaction request information may be performed by accessing the ledger of the Internet banking customer provided on the financial system from the server to the ledger information corresponding to the financial transaction request information. Or at least one additional information associated with the ledger information).

If a financial transaction corresponding to the financial transaction request information fails (for example, if an error occurs during the financial transaction procedure) 755b, the server generates a web page including predetermined financial transaction error information. It transmits to the terminal (745b), and does not perform a financial transaction procedure corresponding to the financial transaction request information.

On the other hand, if the financial transaction corresponding to the financial transaction request information is successful (755b), the server generates a web page including the predetermined financial transaction history information and transmits it to the terminal (760b), the financial transaction requested from the terminal To complete.

8 is a diagram illustrating a reinvestment process of the account balance according to an embodiment of the present invention.

In more detail, FIG. 8 re-invests the account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in FIG. A process for reinvesting in at least one or more investment target financial instruments in accordance with a predetermined investment condition (or policy) stored in the information D / B. Specifically, at least one or more investments in accordance with the investment condition (or policy) for each period It is about the method of reinvesting in the target financial product.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 so that the reinvestment process of the account balance may be carried out by at least one other computing system (e.g., in addition to the financial system shown in this drawing 8). Securities system, insurance system, etc.) may be inferred in various implementation methods for reinvesting the account balance in at least one or more investment target financial products according to predetermined investment conditions (or policies) stored in the reinvestment information D / B. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the investment manager server 500 illustrated in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 8, the server finances a predetermined account balance reinvestment among at least one or more financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvestment of the account balance according to the present invention. Selecting the account information (800), wherein the account balance reinvestment target financial account information includes the financial account information corresponding to the customer financial account corresponding to the next day of the deposit.

Thereafter, the server compares the investment condition (or policy) for each period stored in the reinvestment information D / B and the date and time information of the account balance stored in the ledger D / B based on the current standard time through the selected financial account information. It is checked whether investment conditions are established for each period of the account balance (805).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer at least one day after the at least one financial transaction corresponding to the customer's financial account for a predetermined period. It is preferable to include an investment condition (or policy) for re-investing the account balance remaining in the financial account in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account Including an investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager when the remaining account balance reaches a certain amount It is preferable to make.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer's financial account for the month until the day before the deposit is due, the balance of the accumulated (or acquired) account is financed Reinvest in Product B (or at least one director's financial instrument with a minimum investment of less than 50,000 KRW); After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the method of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is based on the account balance information. And diversifying corresponding amounts of money into at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an embodiment of the present invention, the server may include period information included in the investment condition (or policy) information and date and time information included in the account balance at present standard time information (eg, the investment manager server 500). It is preferable to check whether the reinvestment of the account balance is established by comparing the standard time information confirmed from the timer.

If it is confirmed that the investment conditions for each period have been established (810), the server corresponds to the account balance and the account balance confirmed that the investment terms for each period have been established from the ledger D / B through the selected financial account information. The predetermined investment amount withdrawal account information is extracted (815), and the predetermined investment amount corresponding to the extracted account balance is calculated (820).

Thereafter, the server includes at least one investment target financial product information corresponding to the investment condition (or policy) for each period from the reinvestment information D / B and the investment amount deposit account information for each investment target financial product through the selected financial account information. Extract 825 and extract predetermined customer information corresponding to the financial account information from the predetermined customer information D / B (not shown) (830).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. By generating investment processing information for each period (835), and transmitting the investment processing information for each period including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information to a predetermined financial system in which the financial account is opened; In step 840, the client requests to perform a period-specific investment procedure for the account balance.

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. In step 845, the deposit is processed into the investment amount deposit account corresponding to the deposit account information.

When the account balance investment procedure is completed in the financial system (850), the server generates the account balance investment information for each period including the customer information, the investment amount and the financial product information in which the investment amount is invested. In operation 855, the account balance investment information, which is obtained by linking the customer information, the investment amount, and the financial product information with which the investment amount is invested, is stored in a predetermined investment information D / B (860). The account balance stored in the investment information D / B is referred to to provide the customer with the profit of the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

9A and 9B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate an account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in FIG. The process of reinvesting in at least one investment target financial product according to a predetermined investment condition (or policy) stored in the reinvestment information D / B, specifically, the account balance at least according to the investment condition (or policy) for each amount The practice of reinvesting in one or more investment financial instruments.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 9a and 9b so that the reinvestment process of the account balance may be carried out at least one or more other than the financial system shown in the drawings 9a and 9b. Various implementation methods for reinvesting the account balance in at least one or more investment target financial instruments according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, securities system, insurance system, etc.) It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 9a and 9b.

Hereinafter, the investment manager server 500 shown in FIG. 5 in FIGS. 9A and 9B will be referred to as a "server" for convenience.

9A and 9B, the server provides a predetermined account balance among at least one or more financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvestment of the account balance according to the present invention. Reinvestment target financial account information is selected (900), wherein the account balance reinvestment target financial account information includes financial account information corresponding to a customer financial account corresponding to the next day of the deposit.

Thereafter, the server calculates a predetermined investment amount corresponding to the account balance included in the investment object from the ledger D / B through the selected financial account information (905), and the investment amount corresponding to the account balance and the The investment conditions (or policies) for each amount stored in the reinvestment information D / B are compared to determine whether investment conditions for each amount of the account balance are established (910).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer at least one day after the at least one financial transaction corresponding to the customer's financial account for a predetermined period. It is preferable to include an investment condition (or policy) for re-investing the account balance remaining in the financial account in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account Including an investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager when the remaining account balance reaches a certain amount It is preferable to make.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer's financial account for the month until the day before the deposit is due, the balance of the accumulated (or acquired) account is financed Reinvest in Product B (or at least one director's financial instrument with a minimum investment of less than 50,000 KRW); After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the method of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is based on the account balance information. And diversifying corresponding amounts of money into at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an embodiment of the present invention, it is preferable that the server checks whether the investment amount corresponding to the account balance is compared with the amount of information included in the investment condition (or policy) information, thereby establishing the reinvestment of the account balance. Do.

If it is confirmed that the investment condition by the amount is established (915), the server and the account corresponding to the account balance confirmed that the investment condition is established from the ledger D / B through the selected financial account information The predetermined investment amount withdrawal account information corresponding to the balance is extracted (920), and the predetermined investment amount corresponding to the extracted account balance is calculated (925).

Thereafter, the server may include at least one investment target financial product information corresponding to the investment condition (or policy) for each amount from the reinvestment information D / B and the investment amount deposit account information for each investment target financial product through the selected financial account information. In step 930, the user information corresponding to the financial account information is extracted from the predetermined customer information D / B (not shown) (935).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial instrument for the same (or similar) financial instrument investment information based on the financial instrument manager information to invest the account balance.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. By generating investment processing information for each amount (940), by transmitting the investment processing information for each amount including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information to a predetermined financial system in which the financial account is opened; In operation 945, the client requests to perform an investment procedure for each amount of the account balance.

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. In step 950, the deposit is processed into the investment amount deposit account corresponding to the deposit account information.

When the account balance investment procedure is completed in the financial system (955), the server generates account balance investment information for each predetermined amount including the customer information, the investment amount and the financial product information into which the investment amount is invested. In operation 960, the account balance investment information formed by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested is stored in a predetermined investment information D / B (965). The account balance stored in the investment information D / B is referred to to provide the customer with the profit of the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

10A and 10B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

In more detail, FIGS. 10A and 10B illustrate an account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in FIG. Regarding the process of reinvesting in at least one investment target financial product according to a predetermined investment condition (or policy) stored in the reinvestment information D / B, specifically, the account balance is invested by period and amount of investment condition (or policy). The present invention relates to a method of reinvesting in at least one or more financial instruments.

In particular, FIGS. 10A and 10B show period information included in the investment condition (or policy) information and date and time information included in the account balance from current timers (eg, a timer provided in the investment manager server 500). By confirming whether a reinvestment is established for each period of the account balance, and at least one or more amounts included in the amount and the investment condition (or policy) information corresponding to the account balance during the period. Comparing the amount of money information, and confirming whether the re-investment on the account balance.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 10a and 10b so that the reinvestment process of the account balance may be carried out at least one or more of the financial system shown in the drawings 10a and 10b. Various implementation methods for reinvesting the account balance in at least one or more investment target financial instruments according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, securities system, insurance system, etc.) 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 10a and 10b.

Hereinafter, the investment manager server 500 shown in FIG. 5 in FIGS. 10A and 10B will be referred to as a "server" for convenience.

10A and 10B, the server provides a predetermined account balance among at least one or more financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvestment of the account balance according to the present invention. Select the financial account information for reinvestment (1000), wherein the financial account information for reinvestment of the account balance includes financial account information corresponding to the customer financial account corresponding to the next day of the deposit.

Thereafter, the server stores the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B and the date and time information of the account balance stored in the ledger D / B based on the selected financial account information. In comparison, it is checked whether investment conditions are established by period and amount for the account balance (1005).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may be set by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the financial account to be reinvested in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account Including an investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager when the remaining account balance reaches a certain amount It is preferable to make.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for the month and the day before the scheduled deposit date is 30,000 won or more and 50,000 won or less in cash, Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 or less) and After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to an embodiment of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is the account balance information. And diversifying the amount corresponding to at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an embodiment of the present invention, the server may include period information included in the investment condition (or policy) information and date and time information included in the account balance at present standard time information (eg, the investment manager server 500). It is preferable to check whether the reinvestment of the account balance is established by comparing the standard time information confirmed from the timer.

If it is confirmed that the investment conditions for each period among the investment conditions for each period and amount are established (1010), the server determines a predetermined amount corresponding to the account balance included in the investment object from the ledger D / B through the selected financial account information. Calculate the investment amount (1015), and compare the investment amount corresponding to the account balance with the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B to establish investment conditions for the account balance Check whether or not (1020).

According to an embodiment of the present invention, it is preferable that the server checks whether the investment amount corresponding to the account balance is compared with the amount of information included in the investment condition (or policy) information, thereby establishing the reinvestment of the account balance. Do.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1025), the server is confirmed that the investment conditions by the period and the amount was established from the ledger D / B through the selected financial account information The amount corresponding to the balance and the predetermined investment amount withdrawal account information corresponding to the account balance are extracted (1030), and the predetermined amount of investment corresponding to the extracted account balance is calculated (1035).

Thereafter, the server deposits at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount and investment amount for each investment target financial instrument from the reinvestment information D / B through the selected financial account information. The account information is extracted (1040), and the predetermined customer information corresponding to the financial account information is extracted (1045) from the predetermined customer information D / B (not shown).

According to the implementation method of the present invention, the investment target financial product information stored in the reinvestment information D / B, at least one or more of the deposit / securities products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one or more financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc. for the financial product, and the predetermined financial that operates the financial product Characterized in that it comprises a product manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. Generate investment processing information for each period and amount (1050), and the investment processing for each period and amount including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information with a predetermined financial system in which the financial account is opened; By transmitting the information, it is requested to perform the investment procedure for each period and amount of the account balance (1055).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed to the investment amount deposit account corresponding to the deposit account information (1060).

When the above account balance investment procedure is completed in the financial system (1065), the server provides account balance investment information for a predetermined period and amount including the customer information, the investment amount and the financial product information into which the investment amount is invested. Generate (1070), and store the account balance investment information, which is obtained by linking and processing the customer information, the investment amount and the financial product information in which the investment amount is invested, in a predetermined investment information D / B (1075), and then the server With reference to the account balance investment information stored in the investment information D / B to provide the customer with the profits from the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

11A and 11B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

In more detail, FIGS. 11A and 11B illustrate an account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in FIG. Regarding the process of reinvesting in at least one investment target financial product according to a predetermined investment condition (or policy) stored in the reinvestment information D / B, specifically, the account balance Accordingly, the present invention relates to a method of reinvesting in at least one or more investment target financial products.

Particularly, FIGS. 11A and 11B compare the investment amount corresponding to the account balance with the amount of information included in the investment condition (or policy) information, thereby confirming whether reinvestment is established for each amount of the account balance. At least one or more period information included in the investment condition (or policy) information based on the date and time information included in the account balance based on current standard time information (eg, standard time information checked from a timer provided in the investment manager server 500). By comparison with, it comprises whether or not to reinvest in the account balance.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 11a and 11b so that the reinvestment process of the account balance may be performed at least one other than the financial system shown in FIGS. 11a and 11b. Various implementation methods for reinvesting the account balance in at least one or more investment target financial instruments according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, securities system, insurance system, etc.) It may be inferred that, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in Figures 11a and 11b.

Hereinafter, in FIG. 11A and FIG. 11B, the investment manager server 500 illustrated in FIG. 5 is referred to as a “server” for convenience.

11A and 11B, the server provides a predetermined account balance among at least one or more financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvestment of the account balance according to the present invention. Re-investment target financial account information is selected (1100), wherein the account balance reinvestment target financial account information includes financial account information corresponding to a customer financial account corresponding to the next day of the deposit.

Thereafter, the server calculates a predetermined investment amount corresponding to the account balance included in the investment object from the ledger D / B through the selected financial account information (1105), and the investment amount corresponding to the account balance and the The investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B are compared to determine whether the investment conditions for each period and the amount of the account balance are established (1110).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may be set by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the financial account to be reinvested in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account If the remaining account balance reaches a certain amount, the investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager It is preferable to make it.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the current account balance is less than 30,000 Korean won, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Korean Won). If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for three months and the day before the scheduled deposit date is more than 30,000 won or less than 50,000 won in cash, the accumulated account balance is financed. Reinvest in Product B (or at least one director's financial instrument with a minimum investment of less than 50,000 KRW); After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the method of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is based on the account balance information. This involves distributing corresponding amounts to at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an embodiment of the present invention, it is preferable that the server checks whether the investment amount corresponding to the account balance is compared with the amount of information included in the investment condition (or policy) information, thereby establishing the reinvestment of the account balance. Do.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1115), the server and the investment conditions (or policy) by the period and amount stored in the reinvestment information D / B through the selected financial account information; The date and time information of the account balance stored in the ledger D / B is compared with the current standard time to determine whether the investment conditions for each period and amount of the account balance is established (1120).

According to the implementation method of the present invention, the server includes the period information included in the investment condition (or policy) information and the date and time information included in the account balance in the current standard time information (eg, the investment manager server 500). It is preferable to confirm whether or not to reinvest in the account balance by comparing the time (standard time information confirmed from the timer).

If it is confirmed that the investment conditions by time period of the investment conditions by the period and the amount is established (1125), the server is confirmed that the investment conditions by the period and amount are established from the ledger D / B through the selected financial account information The amount corresponding to the balance and the predetermined investment amount withdrawal account information corresponding to the account balance are extracted (1130), and the predetermined amount of investment corresponding to the extracted account balance is calculated (1135).

Thereafter, the server deposits at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount and investment amount for each investment target financial instrument from the reinvestment information D / B through the selected financial account information. The account information is extracted (1140), and the predetermined customer information corresponding to the financial account information is extracted from the predetermined customer information D / B (not shown) (1145).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. Generate investment processing information for each period and amount (1150), and the investment processing for each period and amount including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information with a predetermined financial system in which the financial account is opened; By transmitting the information, it is requested to perform the investment procedure by period and amount for the account balance (1155).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. In step 1160, the deposit is processed into the investment amount deposit account corresponding to the deposit account information.

When the above-described account balance investment procedure is completed in the financial system (1165), the server provides the account balance investment information for each predetermined period and amount including the customer information, the investment amount, and the financial product information into which the investment amount is invested. Generating (1170), storing the account balance investment information formed by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested in a predetermined investment information D / B (1175), and then The server refers to the account balance investment information stored in the investment information D / B to provide the customer with the profit of the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

12 is a diagram showing the configuration of the account balance reinvestment system according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates that a predetermined customer checks an account balance remaining in the financial account after at least one financial transaction through a customer financial account opened to the customer through the account opening system shown in FIG. Corresponding to the account balance based on the customer financial account information and the investment target financial product information and / or investment condition (or policy) information stored in connection with the reinvestment information D / B shown in Figure 1 and / or Figure 3 The present invention relates to a system for reinvesting an amount of money in at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information, and a person having ordinary knowledge in the technical field to which the present invention belongs, Referring to and / or modified with reference to FIG. 12, the reinvestment information D / B shown in FIG. 1 and / or FIG. Various system configurations for reinvesting an amount corresponding to the account balance may be inferred based on the financial account information, the investment target financial product information, and / or the investment condition (or policy) information, but the present invention may infer the implementation method. It includes all, and is not limited to the embodiment shown in FIG.

For example, the account balance reinvestment system shown in FIG. 12 is an implementation method in which the investment target financial product can be operated only by a predetermined financial system such as a deposit / saving product, and the amount corresponding to the account balance is determined by the financial system. Although illustrated as a reinvestment through, it is apparent that the system for reinvesting an amount corresponding to the account balance further includes a predetermined securities system when the financial object to be invested is a securities investment product according to the intention of the person skilled in the art. And / or if the investment target financial product is an insurance investment product, it is obvious that the system for reinvesting the amount corresponding to the account balance further comprises a predetermined insurance system, whereby the present invention is not limited thereto. .

Here, those skilled in the art (for example, financial experts, securities specialists, insurance specialists), because you will be familiar with the technical features of the securities system and / or insurance system, Detailed description is omitted for convenience.

Referring to FIG. 12 in accordance with an embodiment of the present invention, the account balance reinvestment system may include at least one financial transaction through a customer financial account opened to a customer by a given customer through an account opening system shown in FIG. Financial transaction system that provides a, at least one or more financial transaction terminal 530, and at least one or more financial transactions that are requested from the financial transaction terminal 530, a predetermined financial network (eg, financial common network, CD common network, etc.) Characterized in that it comprises a financial system for processing.

According to the embodiment of the present invention, the financial transaction terminal 530 is a window terminal, an unmanned financial terminal, a client terminal, a wireless terminal, a home appliance terminal, etc. according to a financial transaction system requesting at least one financial transaction through the financial system. It is preferable to include at least one.

According to the invention, the financial system is characterized in that connected to at least one or more window terminals provided in the branch (and / or branch) of the financial institution through a predetermined financial network (eg, our network), the window Provides a face-to-face financial transaction service for at least one financial transaction customer through the terminal.

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

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

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a 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 telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone 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 (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 12, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

According to the present invention, the ledger D / B is characterized in that at least one investment amount withdrawal account and at least one investment amount deposit account is opened.

Here, the at least one investment amount withdrawal account opened in the ledger D / B is the customer financial account, characterized in that the amount corresponding to the account balance provided to the customer is deposited in the financial account.

In addition, the at least one investment amount deposit account opened in the ledger D / B is a financial account to be deposited when the investment amount in the financial products corresponding to the investment target financial product information, according to the present invention, The deposit of a predetermined amount into an account is considered to have been invested in the amount corresponding to the deposit amount in a financial instrument corresponding to the investment amount deposit account.

Referring to FIG. 12, the external system of the financial system is connected to the investment manager server 500 through a predetermined financial network (for example, a financial common network) and at least one financial product corresponding to the account balance. Characterized in that it comprises a financial investment department that performs the financial business to invest in.

The financial investment unit corresponds to the investment amount withdrawal account information when at least one or more customer information, investment amount withdrawal account information, investment amount information, and investment amount deposit account information are provided from the investment manager server 500. And withdraw the amount corresponding to the investment amount information from the financial account and deposit the amount of money corresponding to the investment amount into the financial account corresponding to the investment amount deposit account information in the name of the customer corresponding to the customer information. The customer is treated as having invested an amount corresponding to the investment amount information in a financial product corresponding to the investment amount deposit account information.

In FIG. 12, the financial product investment system remains in the customer financial account and the reinvestment information D / B for linking and storing the customer financial account information and the investment target financial product information and / or investment condition (or policy) information. Based on the remaining account balance, the customer financial account information and the investment target financial product information and / or investment condition (or policy) information stored in connection with the reinvestment information D / B shown in FIGS. 1 and / or 3. And an investment manager server 500 for reinvesting an amount corresponding to an account balance in at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. The investment manager server 500 interlocks the amount corresponding to the account balance with the reinvestment information D / B according to the investment condition (or policy) information. Including the banking system for use in re-invested in one or more financial instrument corresponding to the investment instrument is characterized in that information is made.

Referring to FIG. 12, the investment manager server 500 stores the investment condition (or policy) information and the customer stored in the reinvestment information D / B shown in FIGS. 1 and / or 3 based on predetermined financial account information. By checking and comparing the account balance remaining in the financial account, the information confirmation unit 515 to confirm whether to reinvest the amount corresponding to the account balance in at least one or more investment target financial products according to the investment condition (or policy) information And a customer confirming customer approval for investing the amount corresponding to the account balance in the investment target financial product through the extracted account balance and the investment target financial product information extracted from the reinvestment information D / B. Approving unit 535 and, if the customer approval is confirmed, re-investing the account balance corresponding to the customer financial account information to at least one investment target financial product In this case, the information extraction unit for extracting the investment target financial product information and investment condition (or policy) information from the reinvestment information D / B based on the financial account information, and extracts the account balance from the ledger D / B ( 520) and investment processing information for calculating an investment amount corresponding to the account balance remaining in the customer financial account and reinvesting the investment amount in at least one or more investment target financial products according to the investment condition (or policy) information. At least one investment amount calculated corresponding to the account balance based on the generated investment processing information in association with a predetermined financial system according to the investment condition (or policy) information; It is characterized in that it comprises a financial product investment unit 505 for investing in the investment target financial products.

In addition, the investment manager server 500 invests the investment amount corresponding to the account balance by the financial product investment unit 505 in at least one investment target financial product according to the investment condition (or policy) information. Generating predetermined account balance investment information including a result of investing an investment amount corresponding to the account balance in at least one or more investment target financial products according to the investment condition (or policy) information; An investment information storage unit 525 to be stored in the further characterized in that it is made.

The information checking unit 515 may include at least one customer financial account information and investment condition (or policy) information stored in association with the reinvestment information D / B shown in FIGS. 1 and / or 3, and the ledger D / By comparing and reading the financial account information and the account balance stored in B on the basis of the financial account information, an amount corresponding to the account balance remaining in the customer financial account is processed in association with the financial account information. It is characterized in that it is linked to the investment conditions (or policy) information stored in the reinvestment information D / B to determine whether to reinvest in at least one or more investment target financial products corresponding to the investment target financial product information.

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information for an account balance-only financial product designed to invest the account balance, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information, preferably comprises a condition (or policy) for investing the account balance in at least one financial instrument operated by at least one financial instrument manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to the method of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information is determined by the customer until at least one financial transaction corresponding to the customer financial account for a predetermined period until the day before the deposit due date. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the account to be reinvested in at least one financial instrument managed by at least one financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to the method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information remains in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. If the account balance reaches a certain amount, it includes an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager. desirable.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to the method of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information is determined by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. When the account balance remaining in the financial account reaches a certain amount, an investment condition (or policy) for reinvesting the accumulated (or obtained) account balance in at least one financial product managed by at least one financial product manager. It is preferable to comprise a.

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account for at least one financial transaction corresponding to the customer financial account for the month until the day before the deposit date is more than 30,000 won or less than 50,000 won in cash, the account balance earned (or obtained) Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 won); After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the account balance information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the account balance, the information checking unit 515 may determine the investment condition (or policy) information. By comparing the period information included and the date and time information included in the account balance based on the current standard time information (for example, standard time information checked from a timer provided in the investment manager server 500), the reinvestment of the account balance is established. It is desirable to check whether or not.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the account balance, the information checking unit 515 may include an amount corresponding to the account balance. By comparing the amount information included in the investment condition (or policy) information, it is preferable to confirm whether or not to reinvest the account balance.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the account balance, the information checking unit 515 may determine the investment condition (or policy). Policy) by comparing the period information included in the information with the date and time information included in the account balance based on current standard time information (for example, standard time information checked from a timer provided in the investment manager server 500). Checking whether reinvestment is established by period and comparing the amount corresponding to the account balance with at least one amount of information included in the investment condition (or policy) information during the period; It is desirable to check.

In addition, when the investment condition (or policy) information includes investment conditions (or policies) for each period and amount of the account balance, the information checking unit 515 may determine an amount corresponding to the account balance and the investment condition (or policy). Policy) by comparing the amount information included in the information, to confirm whether the re-investment by the amount of the account balance established, and also to provide the date and time information included in the account balance in the current standard time information (for example, the investment manager server 500) It is preferable to confirm whether a reinvestment is established for the account balance by comparing with at least one or more period information included in the investment condition (or policy) information based on the standard time information verified from the timer.

When the information extracting unit 520 re-invests the account balance corresponding to the customer financial account information in at least one or more investment target financial products as a result of the confirmation by the information confirming unit 515, the reinvestment information D / B Extracting the investment target financial product information and the investment condition (or policy) information linked to the customer financial account information, and extracting the account balance linked to the financial account information from the ledger D / B on the financial system. It features.

According to an embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the account balance, the information extracting unit 520 stores the information stored in the reinvestment information D / B. Extract the investment condition (or policy) for each period from the investment condition (or policy) information, and extract the account balance corresponding to the investment condition (or policy) for each period from the ledger D / B to the information generation unit 510. It is desirable to provide.

In addition, when the investment condition (or policy) information included in the investment condition (or policy) for each period of the account balance as described above, the information extraction unit 520 is predetermined from the ledger D / B corresponding to the account balance It is preferable to extract the investment amount withdrawal account information of the investment amount and provide it to the information generation unit 510, and / or at least one or more investment target finances meeting the investment conditions (or policies) for each period from the reinvestment information D / B. Preferably, the investment amount deposit account information corresponding to (or included) the product information and the investment target financial product information is extracted and provided to the information generation unit 510.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the account balance, the information extracting unit 520 is stored in the reinvestment information D / B. The information generating unit 510 extracts an investment condition (or policy) for each amount from the investment condition (or policy) information, and extracts an account balance corresponding to the investment condition (or policy) for each amount from the ledger D / B. It is preferable to provide.

In addition, when the investment condition (or policy) information by the amount of the account balance is included in the investment condition (or policy) information as described above, the information extraction unit 520 is a predetermined corresponding to the account balance from the ledger D / B. It is preferable to extract investment amount withdrawal account information and provide it to the information generating unit 510, and / or at least one or more investment target financial products that meet the investment conditions (or policies) for each amount from the reinvestment information D / B. It is preferable to extract investment amount deposit account information corresponding to (or included) information and the investment target financial product information and provide the extracted information to the information generating unit 510.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the account balance, the information extracting unit 520 performs the reinvestment information D /. Extract the investment conditions (or policies) by the period and amount from the investment condition (or policy) information stored in B, and extract the account balance corresponding to the investment conditions (or policies) by the period and amount from the ledger D / B. It is preferable to provide to the information generating unit 510.

In addition, when the investment condition (or policy) information as described above includes the investment condition (or policy) by the period and amount of the account balance, the information extraction unit 520 corresponding to the account balance from the ledger D / B It is preferable to extract predetermined investment amount withdrawal account information and provide it to the information generation unit 510, and / or at least one or more items meeting the investment conditions (or policies) for each period and amount from the reinvestment information D / B. It is preferable to extract the investment target financial product information and the investment amount deposit account information corresponding to (or included) the investment target financial product information and provide the extracted information to the information generating unit 510.

According to the method of the present invention, the information extracting unit 520 extracts predetermined customer information (eg, customer name, social security number, etc.) corresponding to the financial account information from predetermined customer information D / B (not shown). It is preferable to provide to the information generating unit 510.

The customer approval unit 535 extracts the account balance from the reward information D / B by the information extraction unit 520, and extracts the investment target financial product information from the reinvestment information D / B. Predetermined wireless messages (e.g., Short Message Service (SMS) and / or Multimedia Message Service (MMS)) including the amount of investment corresponding to the balance of the current account balance in the extracted investment target financial product. And the like, and transmit the generated wireless message to the customer wireless terminal corresponding to the customer wireless terminal information included in the customer information extracted from the customer information D / B (not shown) through a predetermined wireless communication network. And confirming the customer approval for the card reward reinvestment.

According to the implementation method of the present invention, the customer approval unit 535 to the amount of money corresponding to the extracted account balance to the extracted investment target financial products according to the investment period (or policy) for the extracted period and / or amount Generate a predetermined wireless message (e.g., a Short Message Service (SMS) and / or a Multimedia Message Service (MMS), etc.) including an investment, and generate the generated wireless message using the customer information D; It is preferable to transmit to the customer wireless terminal corresponding to the customer wireless terminal information included in the customer information extracted from / B (not shown).

In addition, when the extracted investment target financial product information includes at least two or more information, the wireless message may include at least one or more investment target financial products that will actually invest the amount corresponding to the card reward among the plurality of investment target financial product information. It is preferable to further comprise a user interface for selecting.

According to the implementation method of the present invention, the wireless message to confirm that the customer approved the investment in the extracted investment target financial products corresponding to the extracted account balance, the investment manager server 500 ( And / or a predetermined callback URL corresponding to the customer approval unit 535). When the customer wireless terminal approves the card reward reinvestment, the customer wireless terminal It is preferable to access the investment manager server 500 (and / or the customer approval unit 535) through the callback UEL.

When the customer wireless terminal accesses through the callback UEL, the customer approval unit 535 is confidentiality for investing the amount corresponding to the extracted account balance in the customer wireless terminal in the extracted investment target financial products ( It provides a predetermined user interface for securing confidentiality, authentication, integrity, nonrepudiation, and the like.

According to one embodiment of the invention, the user interface for customer approval preferably comprises a user interface for inputting a card password for the card issued to the customer through the account opening system shown in Figure 1 .

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the card reward based on a certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

When the customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product is confirmed by the customer approval unit 535, the information generating unit 510 is configured to extract the information extraction unit ( The investment amount corresponding to the account balance remaining in the customer financial account is calculated by 520.

In addition, the information generation unit 510 may include predetermined investment processing information including the calculated investment amount, investment amount withdrawal account information, investment amount deposit account information, and customer information extracted by the information extraction unit 520. And generating the investment processing information to the financial product investment unit 505.

In this case, the investment processing information is required to perform a financial business to process the investment manager server 500 to interoperate with a predetermined financial system to invest the amount corresponding to the account balance in at least one investment target financial product. Including information, and may be further included at least one or more information according to the intention of those skilled in the art.

The financial product investment unit 505 converts the investment processing information in accordance with a communication protocol promised with a financial system that performs a financial operation to process an amount corresponding to the account balance to invest in at least one or more investment target financial products. For example, the investment processing information is inserted into a communication protocol stack promised with the financial system. Then, the investment processing information is transmitted to the financial system through a predetermined financial network. The investment amount calculated corresponding to the account balance is processed to invest in at least one or more investment target financial products according to the investment condition (or policy) information.

Thereafter, the financial system withdraws the amount corresponding to the investment amount information from the financial account corresponding to the investment amount withdrawal account information included in the investment processing information, and deposits the investment amount deposit account under the name of the customer corresponding to the customer information. And depositing money in a financial account corresponding to the information, whereby the customer corresponding to the customer information has invested the amount corresponding to the investment amount information into the financial product corresponding to the investment amount deposit account information. do.

When it is confirmed that the financial product investment unit 505 has invested the investment amount corresponding to the account balance in at least one or more investment target financial products in accordance with the investment condition (or policy) information in connection with the financial system, the investment The information storage unit 525 is the financial information of the customer information, the investment amount information and the financial product information (eg, at least one or more investment target financial product information extracted by the information extraction unit 520) is invested Generate an account balance investment information including the at least one financial product information invested by the investment amount by the commodity investment unit 505; and the customer information, the investment amount information, and the financial product included in the account balance investment information. Characterized in that the information is linked and stored in a predetermined investment information D / B, and then the investment manager server 500 is the investment Referring to the investment account balance information stored in the correction D / B is to provide a return on the investment for the customer.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

13 is a block diagram of an internet banking system according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates at least one client terminal and Internet banking based on a network (eg, the Internet) based on TCP / IP (Transmission Control Protocol / Internet Protocol) among the financial transaction systems shown in FIG. A method for implementing an internet banking system that processes at least one or more financial transactions requested from the client terminal in connection with a financial system in a predetermined internet banking server 1300 to which a communication channel is connected, the internet banking system uses a web browser. And at least one client terminal and an internet banking server 1300 for providing an internet banking service to at least one of the client terminals, wherein the internet banking server 1300 is connected to the Internet through a predetermined interface means. Necessary to provide banking service It is linked to the financial system that handles financial affairs.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 13 illustrates the use of Internet banking between the client terminal and the Internet banking server based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although an implementation method of an internet banking system for processing a financial transaction is illustrated, those of ordinary skill in the art to which the present invention pertains may use the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. It is possible to infer a configuration of an internet banking system for processing a financial transaction using internet banking between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or transformed. Seen Name comprises a banking system, which is provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the configuration of the Internet banking system shown in Figure 13, non-face-to-channel based financial transactions in accordance with the present invention It would be possible to infer another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, but the present invention provides for such a telebanking system and / or a wireless banking system and / or a TV banking system. Or any non-face-to-face channel banking system including a non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal is a desktop having at least one web browser for accessing the Internet banking server 1300 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. Desktop) characterized in that it comprises a wired terminal including at least one computer and / or notebook (Notebook), the Internet banking server 1300 through a predetermined network means including the Internet based on TCP / IP And a communication channel for internet banking is connected.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External systems that connect to the computer network and provide various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser), ATM (Automatic Teller Machine), other line, call center, financial settlement, etc. Interface modules corresponding to the middleware platform that provides inter-component interfacing, and At least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component in the financial system. It includes a DBMS (Database Management System), and according to the intention of the skilled person and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module ( 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 the technical details of the financial system will be clearly understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto. No.

According to an embodiment of the present invention, the internet banking server 1300 interworks with the financial system through the external system, and for this purpose, interworking with the internet banking server 1300 through a predetermined interface means. It is preferred to include a component for.

The internet banking server 1300 may include a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one client terminal, and / or the financial system. And a DBMS 1320 including a database for storing Internet banking information required to provide a predetermined Internet banking service, or interworking with a data server provided with the DBMS 1320 according to an implementation method. In this way, a predetermined internet banking service is provided to at least one or more of the client terminals.

According to an embodiment of the present invention, the Internet banking information may be configured to authenticate a customer corresponding to the client terminal when at least one or more client terminals access and log in to the Internet banking server 1300, and / or the customer Authorize the financial transaction customer during at least one financial transaction through a banking server 1300, and / or authenticate a customer who subscribes to the financial product when the customer subscribes to the internet banking server 1300 for at least one financial product. It is preferable that the customer authentication information and the banking element information for processing the financial transaction corresponding to the financial transaction request in conjunction with the financial system when the financial transaction request from the customer through the client terminal, At least one required for internet banking as intended by one of ordinary skill in the art The above information may be further included, but this is omitted for convenience in FIG.

Referring to FIG. 13, the Internet banking server 1300 may connect and manage a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more client terminals. 305, 1305, and a web page operation unit 1315 for operating a web page to be provided to at least one or more of the client terminals in cooperation with the web interface unit 305, 1305, and DBMS 1320, A UI processing unit 1310 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal in cooperation with the webpage operation unit 1315, and the UI processing unit 1310 Extracts predetermined content for providing the Internet banking service from the DBMS 1320 in connection with the DBMS 1320, or from the client terminal to the DBMS 1320. And a content operation unit 1325 for receiving predetermined content to be stored, and communication for processing Internet banking based on HTTP between the client terminal and the Internet banking server 1300 by the function configuration. Channels and user interfaces are implemented.

In addition, the Internet banking server 1300 interoperates with the webpage operation unit 1315 through the UI processing unit 1310 based on the customer authentication information of the Internet banking information to the at least one client terminal screen of the customer authentication interface. Or a customer authentication unit 1330 provided with at least one customer authentication information based on the interface screen.

In addition, the Internet banking server 1300 is connected to the web page operation unit 1315 through the UI processing unit 1310 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one client terminal Or a banking processor 1335 receiving at least one or more financial transaction-related information based on the interface screen.

In addition, the Internet banking server 1300 is characterized in that it comprises a ledger processing unit 1340 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with a financial system through a predetermined interface means, The ledger processing unit 1340 may be connected to the external system of the financial system through the interface unit.

The customer authentication information stored in the DBMS 1320 may include at least one of ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server 1300 through the client terminal. It is preferable to include the member information including the above, wherein the customer authentication unit 1330 interoperates with the UI processing unit 1310 to request the ID / PW information of the customer to the client terminal, the client terminal And receiving the ID / PW information from the ID, and comparing the received ID / PW information with ID / PW information included in the member information, thereby authenticating the customer.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 1300 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The client terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Preferably, for this purpose, the customer authentication unit 1330 preferably further includes a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 1320 may be a certification authority information (eg, KFTC) and certificate server information, and / or the official certificate registration that issued a predetermined certificate to a client connected through the client terminal. Institutional information (eg, if the accredited certificate is registered through the company, the information of the party, if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification body further. Preferably, the customer authentication unit 1330 requests a certificate-based customer authentication through an authentication certificate registered by the registrar to the certificate server of the certification authority, and receives the result of the customer authentication from the certificate server. By receiving, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the customer authentication unit 1330 provides the communication session information and the certificate information connected to the client terminal to the authentication server of the certification authority, and the authentication server is based on the communication session information. After performing a customer authentication procedure corresponding to the certificate information to the client terminal, it is preferable to provide the result to the customer authentication unit 1330.

In addition, the customer authentication information stored in the DBMS 1320 is made of a copy of the authentication certificate of the customer accessing the Internet banking server 1300 through the client terminal, and / or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 1330 is based on the certificate to the client terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer Requesting customer information, receiving the certificate-based customer information from the client terminal, and authenticating the customer by authenticating the certificate-based customer information through a copy of the certificate and / or a directory of a certification authority. .

According to an exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1330 or a predetermined random number generated by the client terminal. Encrypting the random number through the at least one encryption method of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method through the public certificate To provide to the customer authentication unit 1330 (for example, if the random number is generated in the client terminal further comprises a random number in the form of a plain text), the customer authentication unit 1330 and the copy of the authentication certificate of the customer and / Or by comparing and decrypting an encrypted random number based on the certificate information of the customer extracted from the directory, and / Alternatively, the customer may be authenticated by encrypting and comparing the random number in the plain text form (eg, the random number generated by the customer authentication unit 1330 and / or the random number generated by the client terminal).

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the client terminal (eg, information stored in the storage device of the client terminal by the Internet banking server 1300, and / or the Information (or system information) previously stored in the client terminal, and / or storage information (eg, IC card (and / or IC chip) read out from the IC card (and / or IC chip) interoperating with the client terminal. A serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuing authority), in which case the client terminal uses the certificate. Encrypting the stored information in at least one of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. A method of encrypting and providing the encrypted information to the customer authentication unit 1330 and storing the encrypted information based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory by the customer authentication unit 1330. It is desirable to authenticate the customer by decrypting and comparing the information.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the client terminal (for example, information input through a key input device provided in the client terminal, and And / or information input through an input device (for example, a local area communication device, etc.) other than a key input device provided in the client terminal, in which case the client terminal symmetrics the input information through the public certificate. (Or a secret key) encrypts and / or provides a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method by using at least one encryption method to provide to the customer authentication unit 1330. And, in the customer authentication unit 1330 is a copy of the customer's official certificate and / or extracted from the directory of the customer By intercomparison decrypts the encrypted input information based on the certificate information, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS 1320 may be OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, The client authentication unit 1330 interoperates with the UI processing unit 1310 to request a predetermined OTP code from the client terminal, receive the OTP code from the client terminal, and based on the OTP generation information. By generating an OTP authentication code, by comparing the received OTP code and the generated OTP authentication code, it characterized in that to authenticate the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method in the client terminal to provide a more advanced security function And / or is encrypted and received through at least one encryption method among key exchange encryption methods, and for this purpose, the customer authentication unit 1330 preferably further includes a function configuration for decrypting the OTP code. Do.

When at least one financial transaction is requested from the client terminal, the banking processor 1335 provides a financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processor 1310. When predetermined financial transaction request information is input (or selected) from the client terminal through the financial transaction request information input interface screen, the predetermined financial transaction request information corresponding to the financial transaction request information is referred to with reference to the banking element information. Generate (or extract) financial transaction information and provide it to the ledger processing unit 1340.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processor 1335 may be linked with the UI processor 1310 to transmit information to the client terminal (eg, withdrawal account number and withdrawal). Provides a predetermined interface screen for inputting (or selecting) an account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and provides information (e.g., When a withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input (or selected) and received, the transfer amount is transferred from the withdrawal account with reference to the banking element information. Generating predetermined financial transaction information to withdraw money and depositing it into the deposit account is provided to the ledger processor 1340. All.

According to the exemplary embodiment of the present invention, the banking processor 1335 receives the predetermined financial transaction request information from the client terminal, in connection with the customer authentication unit 1330, through the at least one customer authentication method. It is preferable to authenticate the customer who requested the transaction, thereby making sure of the confidentiality and authentication of the customer who requested the financial transaction through the client terminal (or a customer who has entered (or selected) and transmitted the financial transaction request information). ), Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 1335 is configured to secure confidentiality, authentication, integrity, and non-repudiation of at least one financial transaction request information transmitted from the client terminal. The electronic signature of the customer is attached to the request information, and the financial transaction request information to which the electronic signature is attached is preferably encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 1335 ) Preferably receives the financial transaction request information from the client terminal, decrypts it with a public key decryption scheme according to the public key infrastructure, and confirms the electronic signature, thereby providing confidentiality of the financial transaction request information. Authentication, integrity and nonrepudiation are ensured.

Alternatively, the banking processor 1335 may request the financial transaction request information from the client terminal to secure confidentiality, authentication, integrity, and non-repudiation of the financial transaction request information transmitted from the client terminal for at least one financial transaction. It is preferable to transmit the encrypted by the electronic envelope method, in this case, the banking processing unit 1335 receives the financial transaction request information from the client terminal is preferably decrypted by the electronic envelope method, thereby the financial transaction request Confidentiality, authentication, integrity and nonrepudiation of the information are secured.

The ledger processing unit 1340 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 1335, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system in response to, and extract the identified ledger information from the ledger on the financial system through the interface means, and / or to the financial transaction information. Correspondingly generating (or extracting) ledger record information recorded in the ledger on the financial system, and recording the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

For example, the financial transaction requested from the client terminal is an account inquiry transaction for the last month, and the banking processing unit 1335 generates financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry (or Is extracted), the ledger processing unit 1340 is linked to the account ledger (and / or the account ledger associated with the customer ledger on the financial system through the interface means based on the financial transaction information for the account inquiry) The transaction history of the last month is extracted from the transaction history of the account and provided to the banking processor 1335.

14A and 14B illustrate financial transactions using Internet banking according to an embodiment of the present invention.

In more detail, FIGS. 14A and 14B illustrate the Internet banking system shown in FIG. 13, wherein the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet). After connecting the Internet banking-based financial transaction channel between the client terminal and the Internet banking server by performing a customer authentication procedure, the financial transaction according to the present invention from the client terminal to the Internet banking server through the Internet banking-based financial transaction channel Requesting, processing the requested financial transaction in the internet banking server, and providing the result to the client terminal through the internet banking-based financial transaction channel. If you have the knowledge of the reference to this drawing z and / or Although various financial transaction methods using an internet banking-based financial transaction channel may be inferred between the client terminal and the internet banking server, the present invention includes all the implementation methods inferred above. It is not limited.

That is, FIGS. 14A and 14B illustrate the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Based on the implementation method for connecting the Internet banking-based financial transaction channel for financial transactions using the Internet banking between the client terminal and the Internet banking server, if the person of ordinary skill in the art Referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14A and 14B, between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. On inter Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for financial transactions using banking, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, whereby The present invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 14A and 14B, in addition to the Internet banking system, and a telebanking system. And / or another banking system, such as a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for financial transactions using internet banking. A banking system and / or a wireless banking system and / or a TV banking system and / or a non-face-to-face channel banking system, which is proposed in the future, include all types of non-face-to-face channel based financial transactions, and the technical configuration of the present invention is shown in FIG. It is by no means limited to the case of Internet banking shown in FIG.

In the following figures 14a and 14b, the client terminal is referred to as " terminal " for convenience, and the internet banking server is referred to as " server " for convenience.

Referring to FIGS. 14A and 14B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server communicates between the terminal and the server through the browser. (1405a), wherein the communication channel is generated by the server in response to a request of a browser program provided to the client terminal (or extracted) and transmitted to the client terminal, and to the client 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 exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server may be configured with the Internet banking program and at least one or more information based on a predetermined communication protocol defined in the internet banking program. Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1410a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1415a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1420a).

If the terminal does not need to install and / or update the latest version of the internet banking security module (1425a), or if the terminal does not need to install and / or update the internet banking security module (1415a), 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 (1430a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption scheme (and / or decryption algorithm) corresponding to the algorithm, and is provided to the server for financial transactions using the Internet banking in the terminal. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for financial transactions using internet banking. Attach certain electronic signatures to the information (or data) to be provided and / or When encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1435a).

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 (1440a), the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1445a).

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), 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 (1460a), where Internet banking The underlying financial transaction channel refers to the requested financial transaction (eg, account inquiry, account transfer, bill payment, etc.) by the server accessing the ledger on the financial system in response to at least one financial transaction request requested from the terminal. .. means communication channel that can handle.

When the internet banking-based financial transaction channel between the terminal and the server is connected, the terminal requests an internet banking-based financial transaction to the server through the inter-banking-based financial transaction channel for the financial transaction according to the present invention (1400b). The server extracts at least one or more transmission information to be provided to the terminal for the internet banking-based financial transaction by confirming the internet banking-based financial transaction requested from the terminal (1405b).

According to an exemplary embodiment of the present invention, the transmission information is preferably extracted from banking element information stored in a DBMS provided on the Internet banking system, and information (or transmission information required for security) among the extracted transmission information. All) are encrypted and / or have an electronic signature attached.

According to another exemplary embodiment of the present invention, the transmission information may be extracted from ledger information of a DBMS provided on a financial system linked to the internet banking system, and information requiring security among the extracted transmission information. (Or the entire transmission information) is preferably encrypted and / or appended with an electronic signature.

Thereafter, the server generates (or extracts) a web page corresponding to a predetermined financial transaction interface including the extracted transmission information (1410b), and generates (or extracts) the Internet page through the internet banking-based financial transaction channel. The web page is transmitted to the terminal and output (1415b).

According to an embodiment of the present invention, the financial transaction interface preferably comprises an interface for inputting (or selecting) predetermined financial transaction request information in the terminal, and / or the financial transaction request information and / or the A password (e.g., account password) and / or security code (e.g., a security code printed on a security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting a financial transaction. And / or an interface for entering a one time password (OTP) (e.g., a one-time password generated through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include.

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the Internet banking financial transaction procedure, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the server does not generate (or extract) a web page, and the extracted transmission information is defined in the internet banking program. It can be processed into a data structure corresponding to a predetermined communication protocol and transmitted to the terminal, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one through the financial transaction interface (1420b).

If the terminal receives (or selects) the financial transaction request information through the financial transaction interface (1425b), the terminal transmits the input (or selected) financial transaction request information to the server through the financial transaction channel. Transmit (1430b).

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

Thereafter, the server receives and reads the financial transaction request information through the financial transaction channel, thereby confirming the validity of the financial transaction request information (1435b).

According to an embodiment of the present invention, receiving and reading the financial transaction request information through the financial transaction channel to confirm validity may decode the financial transaction request information received from the terminal and / or the financial transaction request information. This includes checking the digital signature attached to it.

In addition, the validation of the financial transaction request information, preferably, further comprises authenticating a password and / or security code and / or OTP included in the financial transaction request information.

If the validity of the financial transaction request information is not authenticated (1440b), the server generates a web page including predetermined financial transaction error information and transmits the webpage to the terminal (1445b), corresponding to the financial transaction request information. Do not perform financial transaction procedures.

On the other hand, if the validity of the financial transaction request information is authenticated (1440b), the server performs a financial transaction procedure corresponding to the financial transaction request information (1450b).

According to an embodiment of the present invention, the financial transaction procedure corresponding to the financial transaction request information may be performed by accessing the ledger of the Internet banking customer provided on the financial system from the server to the ledger information corresponding to the financial transaction request information. Or at least one additional information associated with the ledger information).

If the financial transaction corresponding to the financial transaction request information fails (for example, if an error occurs while performing the financial transaction procedure) (1455b), the server generates a web page including predetermined financial transaction error information. It transmits to the terminal (1445b), and does not perform a financial transaction procedure corresponding to the financial transaction request information.

On the other hand, if a financial transaction corresponding to the financial transaction request information is successful (1455b), the server generates a web page including predetermined financial transaction history information and transmits the webpage to the terminal (1460b), thereby requesting the financial transaction requested from the terminal. To complete.

15A and 15B illustrate a reinvestment process of an account balance according to an exemplary embodiment of the present invention.

In more detail, Figures 15a and 15b illustrate an account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in FIG. Reinvesting in at least one or more investment target financial instruments in accordance with a predetermined investment condition (or policy) stored in the reinvestment information D / B, specifically for reinvesting the account balance in at least one or more financial instruments After the customer approval, the account balance is re-invested in at least one or more investment financial products according to the investment conditions (or policies) for each period.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 15a and 15b so that the reinvestment process of the account balance may be carried out at least one or more of the financial system shown in the drawings 15a and 15b. Various implementation methods for reinvesting the account balance in at least one or more investment target financial instruments according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, securities system, insurance system, etc.) 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 the Figures 15a and 15b.

Hereinafter, the investment manager server 500 shown in FIG. 12 in FIGS. 15A and 15B will be referred to as "server" for convenience.

Referring to FIGS. 15A and 15B, the server may designate a predetermined account balance among at least one or more financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvestment of the account balance according to the present invention. Selecting financial account information for reinvestment (1500), wherein the financial account information for reinvestment of the account balance includes financial account information corresponding to a customer financial account corresponding to the next day of the deposit.

Thereafter, the server compares the investment condition (or policy) for each period stored in the reinvestment information D / B and the date and time information of the account balance stored in the ledger D / B based on the current standard time through the selected financial account information. It is checked whether investment conditions are established for each period of the account balance (1505).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may be set by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the financial account to be reinvested in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account Including an investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager when the remaining account balance reaches a certain amount It is preferable to make.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the existing account balance is less than 30,000 won in cash, reinvest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for the month and the day before the scheduled deposit date is 30,000 won or more and 50,000 won or less in cash, Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 or less) and After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the method of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is based on the account balance information. And diversifying corresponding amounts of money into at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an embodiment of the present invention, the server may include period information included in the investment condition (or policy) information and date and time information included in the account balance at present standard time information (eg, the investment manager server 500). It is preferable to check whether the reinvestment of the account balance is established by comparing the standard time information confirmed from the timer.

If it is confirmed that the investment condition for each period is established (1510), the server and the account corresponding to the account balance confirmed that the investment condition for each period is established from the ledger D / B through the selected financial account information The predetermined investment amount withdrawal account information corresponding to the balance is extracted (1515), and the predetermined investment amount corresponding to the extracted account balance is calculated (1520).

Thereafter, the server includes at least one investment target financial product information corresponding to the investment condition (or policy) for each period from the reinvestment information D / B and the investment amount deposit account information for each investment target financial product through the selected financial account information. (1525), and extracts predetermined customer information corresponding to the financial account information from the predetermined customer information D / B (not shown) (1530).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for customer approval through the extracted account balance and the investment target financial product information (1535).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a Short Message Service (SMS)) including a content of investing an amount corresponding to the extracted account balance in the extracted investment target financial product. And / or a multimedia message service (MMS)).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming, when the customer wireless terminal has approved the amount of money corresponding to the extracted account balance to invest in the extracted investment target financial products Preferably, the callback UE includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. In operation 1540, the client approves an investment of investing the amount corresponding to the extracted account balance in the extracted investment target financial product.

According to the method of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 535 is the amount corresponding to the extracted account balance to the customer wireless terminal It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation, etc. for investing in the extracted investment target financial products.

According to one embodiment of the invention, the user interface for customer approval comprises a user interface for inputting the account password for the customer financial account opened to the customer through the account opening system shown in Figure 1 desirable.

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the account balance based on the official certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval is not confirmed to invest the amount corresponding to the extracted account balance in the extracted investment target financial product (1545), the server generates a predetermined account balance reinvestment error message The method transmits the data to the customer wireless terminal (1550), and terminates the process of investing the amount corresponding to the extracted account balance in the extracted investment target financial product.

On the other hand, when the customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product is confirmed (1545), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information, Generate investment processing information for a predetermined period including investment amount deposit account information and customer information (1555), and the investment amount, investment amount withdrawal account information and investment amount deposit account information with a predetermined financial system in which the financial account is opened. And by transmitting investment processing information for each period including customer information, requesting to perform the investment process for each period on the account balance (1560).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1565).

When the account balance investment procedure is completed in the financial system (1570), the server generates account balance investment information for each period including the customer information, the investment amount and the financial product information in which the investment amount is invested. In operation 1575, the account balance investment information formed by linking the customer information, the investment amount, and the financial product information with which the investment amount is invested is stored in a predetermined investment information D / B (1580). The account balance stored in the investment information D / B is referred to to provide the customer with the profit of the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

16A and 16B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate an account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in FIG. Reinvesting in at least one or more investment target financial instruments in accordance with a predetermined investment condition (or policy) stored in the reinvestment information D / B, specifically for reinvesting the account balance in at least one or more financial instruments After the customer approval, the account balance is re-invested in at least one or more investment target financial products according to the investment conditions (or policies) for each amount.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 16a and 16b so that the process of reinvestment of the account balance is at least one or more than the financial system shown in the drawings 16a and 16b. Various implementation methods for reinvesting the account balance in at least one or more investment target financial instruments according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, securities system, insurance system, etc.) It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 16a and 16b.

In the following figures 16a and 16b, the investment manager server 500 shown in FIG. 12 is referred to as " server " for convenience.

Referring to FIGS. 16A and 16B, the server may designate a predetermined account balance among at least one or more financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvestment of the account balance according to the present invention. Selecting the reinvestment target financial account information (1600), wherein the account balance reinvestment target financial account information includes the financial account information corresponding to the customer financial account corresponding to the next day of the deposit.

Thereafter, the server calculates a predetermined investment amount corresponding to the account balance included in the investment object from the ledger D / B through the selected financial account information (1605), and the investment amount corresponding to the account balance and the The investment conditions (or policies) for each amount stored in the reinvestment information D / B are compared to determine whether the investment conditions for each amount of the account balance are established (1610).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may be set by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the financial account to be reinvested in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account Including an investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager when the remaining account balance reaches a certain amount It is preferable to make.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account for at least one financial transaction corresponding to the customer financial account for the month until the day before the deposit date is more than 30,000 won or less than 50,000 won in cash, the account balance earned (or obtained) Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 won); After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the method of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is based on the account balance information. And diversifying corresponding amounts of money into at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an embodiment of the present invention, it is preferable that the server checks whether the investment amount corresponding to the account balance is compared with the amount of information included in the investment condition (or policy) information, thereby establishing the reinvestment of the account balance. Do.

If it is confirmed that the investment condition by the amount is established (1615), the server and the account corresponding to the account balance confirmed that the investment condition is established from the ledger D / B through the selected financial account information The predetermined investment amount withdrawal account information corresponding to the balance is extracted (1620), and the predetermined investment amount corresponding to the extracted account balance is calculated (1625).

Thereafter, the server may include at least one investment target financial product information corresponding to the investment condition (or policy) for each amount from the reinvestment information D / B and the investment amount deposit account information for each investment target financial product through the selected financial account information. Extract 1630, and extract predetermined customer information corresponding to the financial account information from the predetermined customer information D / B (not shown) (1635).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for customer approval through the extracted account balance and the investment target financial product information (1640).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a Short Message Service (SMS)) including a content of investing an amount corresponding to the extracted account balance in the extracted investment target financial product. And / or a multimedia message service (MMS)).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming, when the customer wireless terminal has approved the amount of money corresponding to the extracted account balance to invest in the extracted investment target financial products Preferably, the callback UE includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. And transmits an amount corresponding to the extracted account balance to the customer approval for investing in the extracted investment target financial product (1645).

According to the method of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 535 is the amount corresponding to the extracted account balance to the customer wireless terminal It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation, etc. for investing in the extracted investment target financial product.

According to one embodiment of the present invention, the user interface for customer approval comprises a user interface for inputting an account password for a customer financial account opened to the customer through the account opening system shown in FIG. desirable.

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the account balance based on the official certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval result of the customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product is not confirmed (1650), the server generates a predetermined account balance reinvestment error message The method transmits to the customer wireless terminal (1655), and terminates the process of investing the amount corresponding to the extracted account balance in the extracted investment target financial product.

On the other hand, if the customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product is confirmed (1660), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information, Generate investment processing information for a predetermined amount of money, including investment amount deposit account information and customer information (1665), and the investment amount, investment amount withdrawal account information, and investment amount deposit account information with a predetermined financial system in which the financial account is opened. And by sending investment processing information for each amount including customer information, requesting that the investment procedure for each amount of the account balance be performed (1670).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1675).

When the account balance investment procedure is completed in the financial system (1680), the server generates account balance investment information for each predetermined amount including the customer information, the investment amount, and the financial product information in which the investment amount is invested. In operation 1690, the account balance investment information formed by linking and processing the customer information, the investment amount, and the financial product information in which the investment amount is invested is stored in a predetermined investment information D / B (1690). The account balance stored in the investment information D / B is referred to to provide the customer with the profit of the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

17A and 17B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

In more detail, FIGS. 17A and 17B show an account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in FIG. Reinvesting in at least one or more investment target financial instruments in accordance with a predetermined investment condition (or policy) stored in the reinvestment information D / B, specifically for reinvesting the account balance in at least one or more financial instruments After the customer approval, the account balance is re-invested in at least one or more investment target financial products according to the investment conditions (or policies) by period and amount.

In particular, FIGS. 17A and 17B show time information included in the investment condition (or policy) information and date and time information included in the account balance, and current time information (eg, a timer provided in the investment manager server 500). By comparing the standard time information confirmed from the (standard time information), and confirms whether or not reinvestment for each period of the account balance established, and at least one included in the amount and the investment condition (or policy) information corresponding to the account balance during the period Comparing the above amount of money information, and confirming whether the re-investment on the account balance is made.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 17a and 17b so that the reinvestment process of the account balance may be performed at least one other than the financial system shown in the drawings 17a and 17b. Various implementation methods for reinvesting the account balance in at least one or more investment target financial instruments according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, securities system, insurance system, etc.) It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 17a and 17b.

Hereinafter, in FIG. 17A and FIG. 17B, the investment manager server 500 shown in FIG. 12 is referred to as a "server" for convenience.

17A and 17B, the server selects a predetermined account from among at least one financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvesting the account balance according to the present invention. Selecting the financial account information for the balance reinvestment (1700), wherein the financial account information for the account balance reinvestment includes the financial account information corresponding to the customer financial account corresponding to the next day of the deposit.

Thereafter, the server stores the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B and the date and time information of the account balance stored in the ledger D / B based on the selected financial account information. In comparison, it is checked whether investment conditions are established by period and amount for the account balance (1705).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may be set by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the financial account to be reinvested in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account Including an investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager when the remaining account balance reaches a certain amount It is preferable to make.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated (or acquired) cash of 100,000 won in at least one financial instrument managed by at least one financial instrument manager when the amount reaches 10,000 won. It is preferable to make.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for the month and the day before the scheduled deposit date is 30,000 won or more and 50,000 won or less in cash, Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 or less) and After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to the method of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is based on the account balance information. And diversifying corresponding amounts of money into at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial products B and 40% (the remaining 40,000 won) in financial products C.

According to an embodiment of the present invention, the server may include period information included in the investment condition (or policy) information and date and time information included in the account balance at present standard time information (eg, the investment manager server 500). It is preferable to check whether the reinvestment of the account balance is established by comparing the standard time information confirmed from the timer.

If it is confirmed that the investment conditions for each period among the investment conditions for each period and amount are established (1710), the server determines a predetermined amount corresponding to the account balance included in the investment object from the ledger D / B through the selected financial account information. Calculate the investment amount (1715), and compare the investment amount corresponding to the account balance with the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B, and establish the investment conditions for the account balance. Check whether or not (1720).

According to an embodiment of the present invention, it is preferable that the server checks whether the investment amount corresponding to the account balance is compared with the amount of information included in the investment condition (or policy) information, thereby establishing the reinvestment of the account balance. Do.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1725), the server is confirmed that the investment conditions by the period and the amount was established from the ledger D / B through the selected financial account information The amount corresponding to the balance and the predetermined investment amount withdrawal account information corresponding to the account balance are extracted (1730), and the predetermined amount of investment corresponding to the extracted account balance is calculated (1735).

Thereafter, the server deposits at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount and investment amount for each investment target financial instrument from the reinvestment information D / B through the selected financial account information. The account information is extracted (1740), and the predetermined customer information corresponding to the financial account information is extracted from the predetermined customer information D / B (not shown) (1745).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for customer approval through the extracted account balance and the investment target financial product information (1750).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a Short Message Service (SMS)) including a content of investing an amount corresponding to the extracted account balance in the extracted investment target financial product. And / or a multimedia message service (MMS)).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming, when the customer wireless terminal has approved the amount of money corresponding to the extracted account balance to invest in the extracted investment target financial products Preferably, the callback UE includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. And transmits an amount corresponding to the extracted account balance to confirm customer approval for investing in the extracted investment target financial product (1755).

According to the method of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 535 is the amount corresponding to the extracted account balance to the customer wireless terminal It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation, etc. for investing in the extracted investment target financial products.

According to one embodiment of the present invention, the user interface for customer approval comprises a user interface for inputting an account password for a customer financial account opened to the customer through the account opening system shown in FIG. desirable.

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the account balance based on the official certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval result does not confirm the customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product (1760), the server generates a predetermined account balance reinvestment error message. In step 1765, the mobile terminal transmits to the customer wireless terminal, and the process of investing the amount corresponding to the extracted account balance in the extracted investment target financial product.

On the other hand, if the customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product is confirmed (1760), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information, Generate investment investment information by predetermined period and amount including investment amount deposit account information and customer information (1770), and deposit the investment amount and investment amount withdrawal account information and investment amount into a predetermined financial system in which the financial account is opened; By transmitting investment processing information by period and amount including account information and customer information, a request is made to perform investment procedures by period and amount for the account balance (1775).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1780).

When the above account balance investment procedure is completed in the financial system (1785), the server provides the account balance investment information for a predetermined period and amount including the customer information, the investment amount and the financial product information into which the investment amount is invested. Generate (1790), store the account balance investment information formed by linking the customer information, the investment amount and the financial product information in which the investment amount is invested in a predetermined investment information D / B (1795), and then the server With reference to the account balance investment information stored in the investment information D / B to provide the customer with the profits from the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

18A and 18B illustrate a reinvestment process of an account balance according to another exemplary embodiment of the present invention.

In more detail, Figures 18a and 18b illustrate an account balance stored in a predetermined ledger D / B by at least one financial transaction through the financial transaction system through the financial instrument investment system on the account balance reinvestment system shown in Figure 12. Reinvesting in at least one or more investment target financial instruments in accordance with a predetermined investment condition (or policy) stored in the reinvestment information D / B, specifically for reinvesting the account balance in at least one or more financial instruments After the customer approval, the account balance is re-invested in at least one or more investment target financial products according to the investment conditions (or policies) by period and amount.

In particular, FIGS. 18A and 18B compare the investment amount corresponding to the account balance with the amount information included in the investment condition (or policy) information, thereby confirming whether or not reinvestment is established for each amount of the account balance. At least one or more period information included in the investment condition (or policy) information based on the date and time information included in the account balance based on current standard time information (eg, standard time information checked from a timer provided in the investment manager server 500). By comparison with, it comprises whether or not to reinvest in the account balance.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 18a and 18b so that the process of reinvestment of the account balance is at least one or more than the financial system shown in FIGS. 18a and 18b. Various implementation methods for reinvesting the account balance in at least one or more investment target financial instruments according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, securities system, insurance system, etc.) Although it can be inferred that the present invention includes all the implementation methods inferred above, it is not limited to the implementation method shown in the drawings 18a and 18b.

Hereinafter, the investment manager server 500 shown in FIG. 12 in FIGS. 18A and 18B will be referred to as "server" for convenience.

Referring to FIGS. 18A and 18B, the server may designate a predetermined account balance among at least one or more financial account information stored in the reinvestment information D / B (or ledger D / B) for reinvestment of the account balance according to the present invention. Re-investment target financial account information is selected (1800), wherein the account balance reinvestment target financial account information includes financial account information corresponding to a customer financial account corresponding to the next day of the deposit.

Thereafter, the server calculates a predetermined investment amount corresponding to the account balance included in the investment object from the ledger D / B based on the selected financial account information (1805), and the investment amount corresponding to the account balance and the The investment conditions (or policies) for the period and amount stored in the reinvestment information D / B are compared to determine whether the investment conditions for each period and the amount of the account balance are established (1810).

According to an embodiment of the present invention, the investment condition (or policy) information may include a condition (or policy) for investing the account balance in at least one financial product managed by at least one financial product manager. Preferably, the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the account balance.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may be set by the customer until at least one day after the at least one financial transaction corresponding to the customer financial account for a predetermined period. It is desirable to include an investment condition (or policy) that allows the account balance remaining in the financial account to be reinvested in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information includes an account balance remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account for one month. May include an investment condition (or policy) for re-investing in at least one financial product managed by at least one financial product manager.

According to another embodiment of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account Including an investment condition (or policy) for re-investing the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager when the remaining account balance reaches a certain amount It is preferable to make.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information may include a cash balance of the account remaining in the financial account until the day before the deposit due date after the at least one financial transaction corresponding to the customer financial account. Including the investment condition (or policy) for re-investing the account balance corresponding to the accumulated cash (or obtained) 100,000 won in at least one financial instrument managed by at least one financial instrument manager, It is preferable.

According to another embodiment of the present invention, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is the deposit after the customer at least one or more financial transactions corresponding to the customer financial account for a certain period of time; If the account balance remaining in the financial account reaches a certain amount by the day before the scheduled date, an investment condition for reinvesting the accumulated (or obtained) account balance in at least one financial instrument managed by at least one financial instrument manager ( Or policy).

For example, the investment condition (or policy) by the period and amount of the investment condition (or policy) information is left in the financial account until the day before the deposit due date after the customer at least one financial transaction corresponding to the customer financial account for three months. If the account balance is less than 30,000 won in cash, re-invest the accumulated (or acquired) account balance in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 Won), If the account balance remaining in the financial account until at least one financial transaction corresponding to the customer financial account for the month and the day before the scheduled deposit date is 30,000 won or more and 50,000 won or less in cash, Reinvest in B (or at least one director's financial instrument with a minimum investment of 50,000 or less) and After the at least one financial transaction corresponding to the customer financial account for three months, if the account balance remaining in the financial account until the day before the deposit scheduled date is more than 50,000 won and less than 100,000 won, the accumulated account balance Reinvest in Financial Instruments C (or at least one director's financial instrument with a minimum investment of 100,000 KRW) and at least one financial transaction corresponding to the Client's financial account for three months until the day before the scheduled date of deposit. If the account balance remaining in the financial account is 100,000 won or more in cash, reinvest the accumulated (or obtained) account balance in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). It is desirable to include investment conditions (or policies).

According to an embodiment of the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is the account balance information. And diversifying the amount corresponding to at least two financial instruments, respectively.

For example, if the amount corresponding to the account balance information is 100,000 won, the diversified investment condition (or policy) is 30% (= 30,000 won) of the 100,000 won in the financial instrument A, 30% (out of the remaining 70,000 won) It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an embodiment of the present invention, it is preferable that the server checks whether the investment amount corresponding to the account balance is compared with the amount of information included in the investment condition (or policy) information, thereby establishing the reinvestment of the account balance. Do.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1815), the server and the investment conditions (or policy) by the period and amount stored in the reinvestment information D / B through the selected financial account information; The date and time information of the account balance stored in the ledger D / B is compared with the current standard time to confirm whether the investment conditions for each period and amount of the account balance is established (1820).

According to an embodiment of the present invention, the server may include the period information included in the investment condition (or policy) information and the date and time information included in the account balance in the current standard time information (for example, the investment manager server 500). It is preferable to check whether the reinvestment of the account balance is established by comparing the standard time information confirmed from the timer.

If it is confirmed that the investment conditions by the period of the investment conditions of the period and the amount is established (1825), the server is confirmed that the investment conditions by the period and the amount is established from the ledger D / B through the selected financial account information The amount corresponding to the balance and the predetermined investment amount withdrawal account information corresponding to the account balance are extracted (1830), and the predetermined amount of investment corresponding to the extracted account balance is calculated (1835).

Thereafter, the server deposits at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount and investment amount for each investment target financial instrument from the reinvestment information D / B through the selected financial account information. The account information is extracted (1840), and the predetermined customer information corresponding to the financial account information is extracted (1845) from the predetermined customer information D / B (not shown).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, and the like, for a financial product; Characterized in that it comprises a product manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information includes information, and the customer may select at least one financial product to invest the account balance based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the account balance-only financial products designed to invest the account balance, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one or more financial instruments for the same (or similar) financial instrument investment information based on the financial instrument manager information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for customer approval through the extracted account balance and the investment target financial product information (1850).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a Short Message Service (SMS)) including a content of investing an amount corresponding to the extracted account balance in the extracted investment target financial product. And / or a multimedia message service (MMS)).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming, when the customer wireless terminal has approved the amount of money corresponding to the extracted account balance to invest in the extracted investment target financial products Preferably, the callback UE includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. And confirms customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product (1855).

According to the method of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 535 is the amount corresponding to the extracted account balance to the customer wireless terminal It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation, etc. for investing in the extracted investment target financial products.

According to one embodiment of the present invention, the user interface for customer approval comprises a user interface for inputting an account password for a customer financial account opened to the customer through the account opening system shown in FIG. desirable.

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the account balance based on the official certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval is not confirmed to invest the amount corresponding to the extracted account balance in the extracted investment target financial product (1860), the server generates a predetermined account balance reinvestment error message The mobile terminal transmits to the customer wireless terminal (1865), and terminates the process of investing the amount corresponding to the extracted account balance in the extracted investment target financial product.

On the other hand, when the customer approval for investing the amount corresponding to the extracted account balance in the extracted investment target financial product is confirmed (1860), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information, Generate investment processing information for a predetermined period and amount including investment amount deposit account information and customer information (1870), and deposit the investment amount, investment amount withdrawal account information and investment amount into a predetermined financial system in which the financial account is opened; By transmitting investment information by period and amount including account information and customer information, a request is made to perform an investment procedure by period and amount on the account balance (1875).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1880).

When the above account balance investment procedure is completed in the financial system (1885), the server provides the account balance investment information for a predetermined period and amount including the customer information, the investment amount and the financial product information into which the investment amount is invested. Generating (1890), storing the account balance investment information, which is obtained by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested, in a predetermined investment information D / B (1895); With reference to the account balance investment information stored in the investment information D / B to provide the customer with the profits from the investment.

According to the method of the present invention, the account balance investment information stored in the investment information D / B is a customer wire communication means such as e-mail (e-mail), and / or a wireless message (eg short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or included in the transaction history of the bank account and provided to the customer.

According to the present invention, an account balance remaining before a new amount is deposited (or transferred) in a financial account such as a payroll account and / or a pocket money account which is periodically deposited (or transferred from at least one other account) By re-investing in at least one financial product, the customer using the financial account has an advantage of generating an investment return through the re-investment of the account balance.

Claims (7)

Conditions for processing the customer card residual limit for a specific period of time to the customer terminal-Conditions for investing (or transferring) the customer card residual limit for a specific period of time to a specific financial instrument including one or more of deposits, deposits, funds, insurance, and bancassurance. Or an interface providing means for providing an input) page (or window) and receiving customer card remaining limit processing condition selection (or input) information for a specific period from the customer terminal; Based on the received customer card residual limit processing condition selection (or input) information for the specific period, the customer card residual limit processing condition for the specific period selected or input by the customer is processed in association with the customer card information and stored. Information storage means for storing in a medium; Information confirmation / extraction means for identifying or extracting a pre-stored customer card remaining limit processing condition for a specific period stored in association with the card information of the customer in association with the storage medium when the card remaining limit of the customer for each specific period occurs; And And card management means for investing (or transferring) the credit card remaining limit of the customer in at least one financial product in response to the identified or extracted processing condition. It further comprises information providing means for notifying the details of the investment (or transfer) to the communication means of the customer before or after the investment (or transfer) processing the remaining credit card of the customer in at least one or more financial products. Card management system. delete delete The method of claim 1, wherein the processing condition for the remaining limit of the customer card for each specific period is: Residual limit for each investment (or transfer) card management system characterized in that it comprises one or more of the conditions for setting the investment (or transfer) amount, and the conditions for setting the investment (or transfer) period or due date. delete delete delete

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