KR100950692B1 - Method for providing a financial free-gift to subscriber of continuous service and system for managing said subscriber - Google Patents

Abstract

The present invention relates to a method of providing a financial captain for a continuous service subscriber and a management system of the subscriber.

The method of providing a financial captain according to the present invention provides a financial product as a captain rather than an in-kind captain to a continuous service subscriber. The financial captain is generated in association with the financial company system using the subscriber's personal information and serial number. If the service subscriber cancels the service within a predetermined period of time, he / she executes the pre-set pledge to repurchase the financial master's product, thereby recovering the master's product without loss of service and providing continuous benefits to the service subscriber. do.

Ongoing services, financial products, subscriber acquisition / management

Description

Method for providing a financial free-gift to subscriber of continuous service and system for managing said subscriber}

The present invention relates to a captain article providing system for attracting subscribers of a continuous service, and more particularly, to a system and method for providing a redeemable financial product as a captain in association with a subscription and termination of a service subscriber.

Continuous service means providing continuous service for a certain period of time after subscription. Such continuous services are widely provided in daily newspaper service, internet line service, and mobile phone subscription service, and attracting subscribers for continuous service is considered as an important factor in the success or failure of the continuous service business.

A general method of attracting subscribers of conventional continuous services is to attract subscribers by providing in-kind as a captain and providing benefits to the subscriber. This method of attracting subscribers provides in-kind captains to subscribers when signing up for services, and receives back in-kind captains from subscribers if the subscriber terminates the continuous service before a predetermined period of time has elapsed.

In-kind captains, however, provide only temporary benefits to the subscriber and cannot provide ongoing benefits. In other words, the service subscriber can not provide benefits beyond the value of the pre-determined in-kind captain, the subscriber will only get satisfaction for a short period at the time of subscription.

In addition, if the subscriber cancels the service within a certain period of time after joining the continuous service, the captain should recover the insignia, but in the case of the in-kind captain, the depreciation caused by the use of the captain occurs during the period of time. Causes monetary losses for service providers.

Direct discounts are adopted on behalf of these in-kind captains, but this can lead to direct service price competition, and has the problem of damaging fair trade by a monopolistic market dominant, already discounted through legislation. It also limits the provision of overpriced captains.

Therefore, unlike the existing captain providing system, there is an urgent need for a system that provides continuous benefits to service subscribers and minimizes the loss of service providers.

The present invention has been made to solve the above-mentioned problems, and provides a system and method that provides a continuous benefit to the subscriber of the continuous service by providing a repurchaseable financial product as a captain, and does not cause a loss to the service provider due to termination of the subscriber do.

In addition, by providing competitive captains and contributing to the promotion and activation of financial products, the present invention provides a system and method for providing a win-win effect of marketing between service providers and financial companies.

In order to achieve the above technical problem, the method of providing a financial captain of the continuous service subscriber according to the first aspect of the present invention, in response to a request for joining the continuous service, identifies a serial number for identifying the financial captain. Generating and storing the serial number and personal information of the subscriber; Providing the serial number to a subscriber; Receiving a confirmation request for generating the financial captain from a financial company system; And providing, to the financial institution system, a confirmation of the financial captain corresponding to the subscriber based on the stored personal information and the serial number, wherein pledge is established for a predetermined period from the date of creation for the financial captain. The financial company system can be identified by the serial number.

Here, the financial captain may be repurchased and may be distinguished from other financial products of the bankbook including the financial captain.

The method may also include receiving a service termination request from a customer; Determining whether the predetermined period has elapsed in response to the service termination request; And if the predetermined period has not elapsed, requesting to repurchase the financial captain on the basis of pledge.

In addition, the continuous service subscriber management system for providing a financial captain according to the second aspect of the present invention, the service subscriber subscription / termination reception unit for receiving the subscription or termination of the service subscriber; A serial number generation unit generating a serial number corresponding to the service subscription; A member information storage unit for storing the serial number and the subscriber information; A financial company question answering unit that responds to a query from a financial company system based on the member information storage unit; And a communication interface for communicating with the financial institution system and the service subscriber, wherein the financial institution query response unit includes the serial number and subscriber information included in the query and the serial number and subscriber information stored in the member information storage unit. By comparison, the creation of the financial captain is approved.

In addition, the program for providing a financial captain to the subscriber of the continuous service according to the third aspect of the present invention, in response to a request for subscription to the continuous service, generates a serial number for identifying the financial captain and generates the serial number and Storing personal information of the subscriber; Receiving a confirmation request for generating the financial captain from a financial company system; Providing the financial company system with confirmation of the financial captain corresponding to the subscriber based on the stored personal information and the serial number; And requesting the financial institution system to repurchase the financial captain when the service termination occurs during a predetermined period from the creation date of the financial captain, and the program may be recorded on a computer-readable recording medium.

According to the above-described problem solving means of the present invention, it is possible to provide a repurchaseable financial product without depreciation to the service subscription customer, the financial product will generate a constant profit after provided to the customer to provide a continuous benefit to the customer If the continuous service is terminated, it can provide a certain benefit to the customer.

In addition, according to the above-described problem solving means of the present invention, since the depreciation of the financial product provided to the subscriber of the continuous service does not occur, even if the financial product is returned, the loss due to depreciation does not occur to the continuous service provider.

In addition, according to the above-described problem solving means of the present invention, by contributing to the subscriber to the investment in the financial product, it contributes to the development of the financial product.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components unless otherwise stated.

An embodiment of the present invention described below is based on the premise that a partnership between a continuous service provider and a financial company is established to pledge on the condition of releasing a certain period of time for a repurchaseable financial product. In other words, for a financial product generated by a subscriber provided with the captain, the service provider will have pledge for a certain period of time.

The financial products described in the embodiments of the present invention may include various financial products such as stocks, funds or cash management accounts (CMAs), which means that the financial products can be repurchased later.

A pledge is a collateral security right, which indirectly enforces the repayment of a debt by attracting collaterals until there is a repayment of the debt and, in the absence of reimbursement, secures the preferential payment from the material. Pledge may be established in the property and in transferable rights, for example in bonds, stocks or patents.

Therefore, financial firms set pledges for continuous service providers using financial products as collateral, that is, collateral, and sell pledged financial products to customers. Subsequently, if the customer terminates the continuous service before a certain period of time has elapsed, the continuous service provider may use the pledge set in the financial product to receive the redemption of the financial product.

1 is a signal flow diagram illustrating an operation of a system for attracting / managing subscribers of a continuous service according to an embodiment of the present invention, and illustrating a flow of a continuous service subscription and a financial product provision accordingly.

As described above, the pledge of establishing pledge is set between the service subscriber attraction / management system 10 and the financial institution system 20 with respect to the financial product which can be identified by the prior agreement.

The customer 30 requests the subscription service / management system 10 of the continuous service provider to subscribe to the continuous service and agrees to use the subscriber's personal information by the continuous service provider for the service subscription. In response to the consent, the subscriber's personal information is stored in the subscriber attraction / management system 10.

The subscriber attraction / management system 10 generates a serial number corresponding to the subscription approval and the financial product provided to the customer 30 in response to the subscription request of the customer 30. The serial number generated by the subscriber attraction / management system 10 is a kind of identification number for identifying a financial product provided to each subscriber, and the customer 30 may purchase a certain financial product from the financial company using the serial number. . The serial number may be a serial number encrypted by including the subscriber information, but may include only information that can be easily identified as a captain.

The subscriber attraction / management system 10 notifies the customer 30 that has made a subscription request that they have subscribed to the continuous service, and simultaneously informs the serial number generated.

After the customer 30 is notified of the subscription fact and serial number from the subscriber attraction / management system 10, the customer 30 requests the financial institution system 20 to purchase the financial product using the serial number. The financial product requested by the customer 30 is a financial product provided by a continuous service provider.

The financial company system 20 identifies the captain's product by the continuous service subscription through the serial number, and confirms the personal information and the serial number of the customer 30's request to purchase the financial product to the subscriber attraction / management system 10. request. The confirmation of this personal information and serial number is to confirm whether to allow the customer 30 to create a financial product.

In response to the confirmation request from the financial company system 20, the subscriber attraction / management system 10 searches for the personal information and serial number stored at the time of service subscription, and if the customer 30 is confirmed to be registered, the confirmation result is determined by the financial company system. Notify (20).

The financial company system 20 provides the financial product when there is a financial product corresponding to the customer 30 according to the verification result of the personal information and the serial number.

The financial product that the financial company system 20 sells to the customer 30 is a repurchaseable financial product. In other words, after the customer 30 is provided with the financial product from the financial company system 20, after a predetermined condition has elapsed, the customer 30 may repurchase the purchased financial product and receive a redemption money, and the profit of the financial product is included in the redemption amount. Amounts may also be included. In addition, the customer 30 may retain the purchased financial product for a long time without repurchasing and may benefit from the profit of the financial product.

For example, the redeemable financial captain may be a CMA, and the financial firm may be an affiliated securities firm. The provision of a financial instrument may be the opening of a CMA account for a predetermined amount, and the financial instrument of the captain would be the principal and revenue amount of the original provisioned amount. In the case of CMA, since the identifier for the individual payment amount is given, there is no confusion between the amount of additional payment made by the customer and the captain, and no mixing with the additional payment amount of the customer occurs even in a redemption or a pledge.

FIG. 2 is a signal flow diagram illustrating an operation of a system for attracting / managing subscribers of a continuous service according to an embodiment of the present invention, and illustrates a flow of pledge for a financial product according to the termination of the continuous service.

If the customer 30 wants to terminate the subscribed continuous service, the customer 30 requests the service cancellation to the subscriber attraction / management system 10.

The subscriber attraction / management system 10 determines whether a predetermined period (for example, six months after subscription) has elapsed after the subscription of the service by the customer 30 in response to the request for service termination of the customer 30. .

If a predetermined period has elapsed after the customer 30 subscribes to the service, the subscriber attraction / management system 10 approves the termination of the service to the customer 30 and terminates the continuous service to the customer 30. In this case, the subscriber attraction / management system 10 does not exercise the pledge because the pledge set in the financial product provided to the customer 30 who has terminated the service is extinguished.

If the predetermined period has not elapsed after the customer 30 subscribes to the service, the subscriber attraction / management system 10 similarly approves the termination of the service to the customer 30 and terminates the continuous service to the customer 30.

However, if the predetermined period has not elapsed, the subscriber attraction / management system 10 requests the financial institution system 20 to exercise the pledge set in the financial product provided to the customer 30 who terminated the service.

The financial institution system 20 repurchases the financial product in response to the pledge exercise request from the subscriber attraction / management system 10 and returns the redemption money to the subscriber attraction / management system 10. Here, since the material is a principal corresponding to the captain, the redemption is an individual financial product by returning the principal and is returned, and there is no need to destroy the entire financial product such as the CMA account.

Therefore, the profit amount of the redemption due to pledge exercise can be paid to the customer (30).

As such, when the customer 30 terminates the service within a predetermined period of time, since the continuous service provider receives the purchase price of the financial product through the redemption of the financial product, the loss of the depreciation to the continuous service provider is less likely to occur. . In addition, the profit amount for the financial product is paid to the customer 30, some benefits may occur to the customer who terminated the service.

3 is a signal flow diagram illustrating an operation of a system for attracting / managing subscribers of a continuous service according to an embodiment of the present invention, and illustrates a flow in a case where a request for repurchase by a customer for a financial product is received.

The customer 30 requests the financial company system 20 to repurchase the financial product, and the financial company system 20 confirms that the financial product is caused by the captain in response to the customer's repurchase request, and attracts subscribers. Request confirmation and approval of redemption to management system (10). In this case, the financial product that performs the repurchase confirmation and approval request is generated only by the master, and does not apply to the financial product by the additional payment of the customer.

The financial institution system 20 may transmit the serial number or personal information of the customer 30 to confirm and approve the repurchase.

The subscriber attraction / management system 10 determines whether a predetermined period has elapsed after the customer 30 subscribes to the service in response to the repurchase confirmation and approval request of the financial institution system 20.

If a predetermined period has elapsed after the customer 30 joins the service, the subscriber attraction / management system 10 responds to the financial institution system 20 to approve the redemption of the financial product.

When the financial company system 20 receives the repurchase approval response of the financial company system 20, the financial company system 20 repurchases the financial product that has been requested to be repurchased by the customer 30. The redemption amount may include an amount according to the profit depending on whether or not the financial product is profitable.

Unlike the above, when a predetermined period has elapsed after the customer 30 joins the service, the subscriber attraction / management system 10 responds to the financial institution system 20 to refuse to approve repurchase of the financial product.

When the financial institution system 20 receives the repurchase approval rejection response from the financial institution system 20, the financial institution system 20 notifies the customer 30 that repurchase is impossible.

Figure 4 is a block diagram showing the configuration of a subscriber attraction / management system of the continuous service according to another embodiment of the present invention.

The subscriber attraction / management system 100 of the continuous service according to another embodiment of the present invention is a communication interface 100, service subscription / termination reception unit 200, serial number generation unit 300, financial company query response unit 400 , The member information storage unit 500 and the repurchase processing unit 600.

The communication interface 100 communicates with a subscriber attraction / management system 100 and a financial institution system (not shown) or a customer (not shown).

The communication interface 100 receives a request for subscription or termination of a continuous service from a customer (not shown). The communication interface 100 transmits the received subscription or termination request to the service subscription / cancellation reception unit 200. In this case, the communication interface 100 may receive a confirmation of using the personal information or the personal information of the customer from the customer (not shown). In this case, the personal information of the customer may be personal personal information or customer management information of the customer, for example, a social security number, or a subscriber number in the case of a service subscriber.

In addition, the communication interface 100 receives a personal information and serial number confirmation request or a redemption confirmation request from a financial institution system (not shown). The communication interface 100 transmits the received personal information and serial number confirmation request or repurchase confirmation request to the financial institution query response unit 400.

The service subscription / termination acceptor 200 receives a request for subscription or termination of a service from the communication interface 100.

When the service subscription / cancellation reception unit 200 receives the service subscription request, the service subscription / cancellation reception unit 200 transmits the personal information of the customer who requested the subscription to the serial number generation unit 300. In addition, the service subscription / cancellation reception unit 200, when receiving the service termination request, transmits the personal information of the member who has requested the cancellation to the repurchase processing unit 600. The member's personal information transmitted may be personal information such as a resident registration number of a customer to be subscribed to in case of a subscription request, or a member management number such as a customer number of a service as well as personal information such as a social security number of a member.

The serial number generation unit 300 receives the personal information of the customer who requested the subscription from the service subscription / cancellation reception unit 200. The serial number generation unit 300 generates a unique serial number for the service of the individual by using the received personal information. The serial number generated by the serial number generation unit 300 is a kind of identification number for identifying a financial product provided to each service subscriber.

The serial number generation unit 300 transmits the generated serial number to the member information storage unit 400 together with the personal information of the customer.

The financial institution query response unit 400 receives a request for confirmation of personal information and serial number or a request for repurchase from the communication interface 100.

The financial institution query response unit 400 requests the member information storage unit 500 for member information on the received personal information or serial number. The financial institution query response unit 400 receives member information from the member information storage unit and determines whether the personal information received from the communication interface 100 and the serial number correspond to each other.

In addition, the financial company query response unit 400 inquires the member information, such as the service subscription period of the customer requesting the repurchase to the member storage unit 500 in response to the received repurchase confirmation request. The financial company inquiry response unit 400 determines whether to approve a redemption based on the inquired member information and transmits the determination result to the communication interface 100.

The member information storage unit 500 receives the serial number and the personal information of the customer from the serial number generation unit 300, matches and stores the received serial number and the personal information. The stored personal information may include various information such as personal information, serial number, subscription service type or subscription period of the registered member.

The repurchase processor 600 determines whether repurchase is possible with respect to the pledged financial products, and if repurchase is possible, request or approve the repurchase to a financial company system (not shown).

More specifically, the redemption processing unit 600 receives the personal information of the member requesting service termination from the service subscription / cancellation reception unit 200, and transmits the received personal information to the member information storage unit 500 to correspond to the member. Ask for information.

The repurchase processor 600 receives the requested member information from the member information storage unit 500 and determines whether the financial product can be repurchased based on the received member information. When repurchase of the financial product is possible, the repurchase processor 600 transmits a repurchase request or approval signal for the financial product to the financial company system (not shown) through the communication interface 100.

In the case of redemption, there are largely requests for redemption through exercise of pledge and approval of redemption of the redemption request of the customer. The repurchase approval for the customer's repurchase request may be performed by the repurchase processing unit 600, but may also be repurchased by the financial requisition response unit 400 in response to an inquiry from the financial institution system.

5 is a block diagram showing the configuration of a repurchase processing unit according to another embodiment of the present invention.

The repurchase processor 600 according to another embodiment of the present invention includes a repurchase determination unit 610 and a repurchase request unit 620.

The repurchase decision unit 610 may determine whether to repurchase the financial product to be repurchased based on the member information received from the member information storage unit (not shown). In other words, it is determined whether the repurchase of the financial product provided to the member who canceled the service is possible.

For example, as a result of determining based on the received member information, before the time point when the continuous service is terminated is set in advance, the repurchase determination unit 610 determines that the repurchase of the financial product is possible based on the pledge. do. However, after a preset period of time for the termination of the service elapses, since pledge has expired, the repurchase decision unit 610 determines that the repurchase of the financial product is impossible.

If it is determined that the redemption of the financial product is possible, the redemption possible determination unit 610 transmits the information on the member who cancels the service, for example, the member's personal information and serial number, to the redemption request unit 620, and requests the redemption. The unit 620 requests the repurchase of the financial product provided to the service termination member.

The repurchase request unit 620 receives the service cancellation member information from the repurchase decision unit 610 and transmits a repurchase request to a financial company system (not shown) through a communication interface (not shown) based on the received member information. do. The financial product for which the repurchase request unit 620 requests repurchase may be specified based on a serial number of the received member information.

The invention can also be embodied in the form of a recording medium containing instructions executable by a computer, such as a program module executed by the computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transmission mechanism, and includes any information delivery media.

While the methods and systems of the present invention have been described in connection with specific embodiments, some or all of those elements or operations may be implemented using a computer system having a general purpose hardware architecture.

6 illustrates an example of a computer system architecture that may be used to perform one or more of the components or operations described above. In one embodiment, hardware system 800 includes a processor 810, a cache 815, a memory 815, and one or more software applications and drivers related to the functions described above.

Additionally, hardware system 800 includes a high performance input / output (I / O) bus 840 and a standard I / O bus 870. The host bridge 820 couples the processor 810 to the high performance I / O bus 840, and the I / O bus bridge 850 couples the two buses 840 and 870 with each other. System memory 860 and network / communication interface 830 are coupled to high performance I / O bus 840. The hardware system 800 may further include a video memory (not shown) and a display device coupled to the video memory. Mass storage 880 and I / O port 890 are coupled to standard I / O bus 870. Hardware system 800 may optionally include a keyboard and pointing device, and a display device (not shown) coupled to standard I / O bus 870. Collectively, these elements are intended to represent a wide range of computer hardware systems, including but not limited to general purpose computer systems based on appropriate processors.

The components of hardware system 800 are described in more detail below. More specifically, network interface 830 provides communication between a hardware system and any wide range of networks, such as an Ethernet (eg, IEEE 802.3) network or the like. The network interface 830 connects between the hardware system 800 and the network so that the hardware system 800 manages their databases. Mass storage 880 provides permanent storage for data and programming instructions to perform the above-described functions implemented in the present invention, and system memory 860 (e.g., DRAM) is implemented by processor 810. It provides temporary storage for data and programming instructions as it is performed. I / O port 890 is one or more serial and / or parallel communication ports that provide communication between additional peripheral devices that may be coupled to hardware system 800.

Hardware system 800 may include various types of system architectures, and various components of hardware system 800 may be rearranged. For example, the cache 815 may be embedded in the processor 810. Optionally, cache 815 and processor 810 may be bundled together as a “processor module,” where processor 810 may be referred to as a “processor core”. In addition, certain embodiments of the invention may not require or include all of the foregoing components. For example, peripherals shown as being coupled to the standard I / O bus 870 may couple to the high performance I / O bus 840. In addition, in any embodiment there may be only one bus and components of hardware system 800 may be coupled to that one bus. Moreover, hardware system 800 may include additional components such as additional processors, storage devices, or memory. As discussed below, in one embodiment, the operation of the present invention may be implemented as a series of software routines driven by hardware system 800. Such software routines include a plurality or series of instructions that may be executed by a processor in a hardware system such as processor 810. First, a series of instructions are stored in a storage device such as mass storage device 880. However, the sequence of instructions may be stored on any suitable storage medium, such as diskette, CD-ROM, ROM, EEPROM, or the like. Moreover, the series of commands need not be stored locally, and can be received from a remote storage device such as a server on the network via the network / communication interface 830. The instructions are copied from a storage device such as mass storage device 880 to system memory 860 and accessed and executed by processor 810.

The operating system manages and controls the operation of the hardware system 800, including data input / output with software applications (not shown). The operating system provides an interface between the software applications running on the system and the hardware components of the system. The operating system according to an embodiment of the present invention may be Microsoft's Windows 95/98 / NT / XP / VISTA operating system. However, the present invention can also be used in other suitable operating systems, such as Apple Computer's Apple Macintosh operating system, UNIX operating system, Linux operating system, and the like.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a signal flow diagram illustrating a flow of continuous service subscription and financial product provision according to an embodiment of the present invention;

2 is a signal flow diagram illustrating a flow of pledge for a financial product in accordance with the termination of the continuous service according to an embodiment of the present invention;

3 is a signal flow diagram illustrating a flow in the case of a repurchase request by a customer for a financial product according to an embodiment of the present invention;

4 is a block diagram showing the configuration of a subscriber attraction / management system for continuous service according to an embodiment of the present invention;

5 is a block diagram showing the configuration of a repurchase processing unit according to an embodiment of the present invention;

6 illustrates an example of a computer system architecture that may be used to implement one or more components or operations of a system in accordance with an embodiment of the present invention.

Claims (12)

In the continuous service subscriber management system to provide the subscriber with the financial captain, In response to the subscription request for the continuous service, generating a serial number of the financial captain to be provided to the subscriber and storing the serial number and the personal information of the subscriber; Receiving a request for confirmation of the serial number from a financial institution system; And Responding to the financial institution system based on the stored personal information and serial number, responding to the confirmation request of the serial number, The serial number is provided to the subscriber, Wherein the serial number is used by the financial institution system to identify that pledge is established for a predetermined period of time from the date of creation for the financial master article. The method of claim 1, And the financial captain is repurchaseable and distinguishable from other financial products of the bankbook in which the financial captain is included. The method of claim 2, The financial captain is at least one of CMA, MMF, earned fund, deferred fund providing method. The method of claim 2, After the response step of the confirmation request of the serial number, Receiving a service termination request from a customer; Determining whether the predetermined period has elapsed in response to the service termination request; And Requesting the redemption of the financial captain on the basis of the pledge if the predetermined period has not elapsed Financial captain providing method further comprising. The method of claim 4, wherein Method of providing a financial captain is to repay the principal of the financial captain through the redemption of the financial captain. The method of claim 2, After the response step of the confirmation request of the serial number, Receiving a repurchase request from a financial institution system; Determining whether the predetermined period has elapsed; And Transmitting the repurchase approval to the financial institution system when the predetermined period has elapsed. The financial captain providing method which further comprises. The method of claim 6, If the predetermined period has not elapsed, further comprising the step of transmitting a refusal to buyback to the financial institution system. In the continuous service subscriber management system for providing the financial captain, A service subscriber subscription / termination reception unit for receiving subscription or termination of a service subscriber; A serial number generation unit generating a serial number corresponding to the service subscription; A member information storage unit for storing the serial number and the subscriber information; A financial company inquiry response unit responding to a query of a financial company system for confirming generation of a financial captain based on the member information storage unit; And A communication interface for communicating with the financial institution system and the service subscriber; And the financial company query response unit approves the creation of the financial ledger by comparing the serial number and subscriber information included in the query with the serial number and subscriber information stored in the member information storage. The method of claim 8, And a repurchase processor for requesting to repurchase the financial captain if the creation date of the financial captain has not passed a predetermined period in response to the service termination request. The method of claim 8, The financial institution query response unit, in response to the repurchase confirmation request from the financial institution system, and transmits the repurchase approval when a predetermined period has elapsed. The method of claim 9, wherein the repurchase processing unit, A repurchase determination unit determining whether the predetermined period has elapsed; And a repurchase request unit requesting a repurchase to a financial institution system based on the determination result of the repurchase judgment unit. A computer-readable recording medium having recorded thereon a program for providing a financial captain to a subscriber of a continuous service, In response to a subscription request for a continuous service, generating a serial number for identifying a financial captain and storing the serial number and personal information of the subscriber; Receiving a request for confirmation regarding the generation of the financial captain from a financial company system; Providing the financial company system with confirmation of the financial captain corresponding to the subscriber based on the stored personal information and the serial number; And And requesting the financial institution system to repurchase the financial captain when the termination of the service occurs during a predetermined period from the date of creation of the financial captain.

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