KR100969331B1 - System and Method for Managing Fund Linked Deposit and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating a fund linked deposit, and a program recording medium for the same. The method for operating a fund linked deposit according to the present invention includes specific fund information-fund name, yield, manager information, and the specific fund. Cooperatively processing the specific deposit information set to be interlocked-deposit name, subscription period, subscription amount, etc., and storing the same in the storage medium; and when the deposit subscription application information for the specific deposit subscription is received from the terminal, the deposit information corresponding to the specific deposit is received. Opening a financial account, checking an amount of money deposited from at least one or more users who subscribe to the specific deposit, and an interest amount for the amount; and checking the identified interest amount and fund information with a predetermined hedge institution. Transmitting to the server, and an option corresponding to the interest amount based on the fund information at the hedge institution server; Comprising the step of performing the transaction.

Deposits, interlocks, funds

Description

Method and System for Fund-Linked Deposits and Program Recording Medium

1 is a diagram illustrating a face-to-face information registration system for selecting a fund linked with a deposit according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering fund selection information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face information registration system for selecting a fund linked with a deposit according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering fund selection information in a non-face-to-face manner in order to select a fund linked with a deposit according to an embodiment of the present invention.

5 is a diagram illustrating a system for establishing a face-to-face fund linked account for opening a financial account linked to a specific fund according to an exemplary embodiment of the present invention.

6 is a diagram illustrating an implementation method in which a storage medium for storing fund linked account operation information corresponding to a fund linked account opened in a face-to-face manner according to an exemplary embodiment of the present invention is provided in a DBMS on a financial system.

FIG. 7 illustrates a database in which a storage medium storing fund linked account management information corresponding to a fund linked account opened in a face-to-face manner according to another embodiment of the present invention is linked to a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

FIG. 8 is a diagram illustrating an implementation method including a DBMS provided in a banking server in a storage medium storing fund interlocked account operation information corresponding to a fund interlocked account opened in a face-to-face manner according to another exemplary embodiment of the present invention. to be.

9A and 9B illustrate a process of opening a fund linked account for opening a financial account linked to a specific fund in a face-to-face manner according to one embodiment of the present invention.

10A and 10B are diagrams illustrating a process of opening a fund linked account for opening a financial account linked to a specific fund in a face-to-face manner according to another exemplary embodiment of the present invention.

11A and 11B illustrate a process of opening a fund linked account for opening a financial account linked to a specific fund in a face-to-face manner according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a non-face-to-face fund linked account opening system for opening a financial account linked to a specific fund according to another embodiment of the present invention.

13A and 13B are diagrams illustrating a process of opening a fund linked account for opening a financial account linked to a specific fund in a non-face-to-face manner according to an exemplary embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating a process of opening a fund linked account for opening a financial account linked to a specific fund according to one embodiment of the present invention.

FIG. 15 is a diagram illustrating a fund linked account operating system linked with a specific fund according to an embodiment of the present invention. FIG.

<Description of main parts of drawing>

500: financial company server 505: interface unit

510: interface providing unit 515: information receiving unit

520: Image receiving unit 525: Validation unit

530: electronic document generation unit 535: electronic document transmission unit

540: information generating unit 545: account opening unit

550: information storage unit 555: storage medium

560: electronic document server 565: electronic document receiving unit

570: information generating unit 575: electronic document storage unit

1500: financial account management server 1505: interface unit

1510: Financial Account Management Department 1515: Information Confirmation Department

1520: information checking unit 1525: information receiving unit

1530: profitability processing unit 1535: storage medium

1540: hedge agency server

The present invention comprises the steps of storing the information on the storage medium by linking the specific fund information-fund name, rate of return, manager information-and the specific deposit information-deposit name, subscription period, subscription amount, etc. set to work with the specific fund; Receiving the deposit subscription application information for the specific deposit subscription from the terminal, opening a financial account corresponding to the specific deposit, and the amount and the amount of money deposited from at least one user who subscribes to the specific deposit Confirming an interest amount, transmitting the identified interest amount and fund information to a predetermined hedge institution server, and performing an option transaction corresponding to the interest amount based on the fund information at the hedge institution server; It relates to a method for operating a fund linked deposit comprising a step.

With various deposit products on the market, each financial institution is focusing on developing more differentiated and new deposit products. Among them, the commodity linked with the stock index has the advantage of having a higher interest rate than the existing bank rate, but the disadvantage is that the interest rate may be zero.

This is because the interest rate is determined by the rise and fall of the stock price linked with the product, and it is time for new linked products to be developed while addressing these unstable factors.

An object of the present invention for solving the above problems is, account opening means for opening a financial account corresponding to a deposit linked to a specific fund, the amount (or principal) that is deposited from at least one or more users who subscribe to the deposit; Providing information checking means for confirming the interest amount for the amount, principal amount, interest amount and option purchase amount and fund information corresponding to the deposit to a hedge institution server, receiving hedge trading details from the hedge institution, Perform an option transaction corresponding to the interest amount based on the account management means for operating the fund linked account through the received hedge trading details, and the principal amount, interest amount and option purchase amount and fund information corresponding to the deposit. To provide a fund linked deposit management system including a hedge trading means to.

The fund linked deposit operation method according to the present invention, by linking the specific fund information-fund name, rate of return, management institution information-and the specific deposit information-deposit name, subscription period, subscription amount, etc. set to be linked to the specific fund- Storing in a storage medium, and receiving deposit subscription application information for the specific deposit subscription from the terminal, opening a financial account corresponding to the specific deposit, and depositing from at least one user who subscribes to the specific deposit; Confirming the processed amount and the interest amount of the amount; transmitting the identified interest amount and fund information to a predetermined hedge institution server; and the interest based on the fund information at the hedge institution server. And performing an option transaction corresponding to the amount of money.

According to the present invention, the step of performing an option transaction corresponding to the interest amount based on the fund information in the hedge institution server, at least one factor of the current price, exercise price, risk rate, maturity information, volatility information Calculate a delta value using, and performs an option transaction using the calculated delta value.

According to the present invention, the step of performing an option transaction corresponding to the interest amount based on the fund information in the hedge institution server, an option transaction using a gamma value calculated by differentiating the calculated delta value It characterized in that to perform.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that the program for executing the above-described method for operating the fund linked deposit.

The fund linked deposit management system according to the present invention, the account opening means for opening a financial account corresponding to the deposit linked to a specific fund, the amount (or principal) to be deposited from at least one user joining the deposit and the Providing information checking means for confirming the interest amount for the amount, principal amount, interest amount and option purchase amount and fund information corresponding to the deposit to a hedge institution server, and receiving hedge trading details from the hedge institution, Performing an option transaction corresponding to the interest amount based on the account management means for operating the fund linked account through the received hedge trading details, and the principal amount, interest amount and option purchase amount and fund information corresponding to the deposit; It is characterized by comprising a hedge trading means.

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

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

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

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

1 is a diagram illustrating a face-to-face information registration system for selecting a fund linked with a deposit according to an embodiment of the present invention.

In more detail, Figure 1 shows that if a financial institution employee provides fund selection information including at least one deposit information and fund selection condition information to select a fund linked with the deposit through an information registration interface through a predetermined information registration interface. The system is a system configuration for linking the deposit information and fund selection condition information included in the provided fund selection information in a predetermined storage medium 135 in the information registration system. Those skilled in the art will be able to infer various implementation methods for constructing an information registration system for selecting a fund linked with a deposit by referring to or modifying the drawing 1, but the present invention includes all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, the components corresponding to at least one or more means or functional configuration for storing the fund selection information provided from the employee through the predetermined information registration interface on the storage medium 135 on the information registration system shown in FIG. For convenience, it is referred to as "information registration server 100".

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for selecting a fund linked with the deposit comprises an information registration terminal including a teller terminal provided at at least one financial institution branch. The information registration terminal is connected to a communication channel with an information registration server 100 provided on the information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the employee inputs (or selects) information filled in the application through a predetermined teller terminal for selecting a fund linked with the deposit, and the teller terminal inputs (or selects) the fund. ) Is transmitted to the information registration server 100 provided on the information registration system through the financial network.

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 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 100 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 100. Do.

In the information registration system as described above, an application created by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 100 are linked to the deposit by the customer. It performs the function of the information registration interface for registering fund selection information for fund selection.

The storage medium 135 provided on the information registration system according to the present invention is a predetermined storage medium 135 by linking the deposit information and the fund selection condition information included in the fund selection information provided from the information registration terminal. ), And the fund selection information including at least one of the deposit information and the fund selection condition information stored in the storage medium 135 is used to select a fund linked with the deposit.

Preferably, the deposit information includes at least one basic attribute information such as a financial account type (for example, free withdrawal or deposit), and extended attribute information such as a transfer (or withdrawal) limit amount for the financial account. Do.

The fund selection condition information preferably includes at least one condition information for selecting a fund linked with the deposit.

For example, the condition information may include at least one or more of operation yield, fund beta, large-cap growth, set size, and the like.

Here, the conditions according to the operating return, the past five years, three years, one year operating returns include information on the number of times the return on the top ten, and the conditions according to the fund beta includes a fund with a large fund beta, The conditions according to the large-capacity include whether or not it is operated in a 'large-capacity growth' strategy, and the conditions according to the set-up scale may include whether or not the set-scale amount is more than 1 trillion won, which helps to understand the present invention. Only one embodiment for the purpose of not limited thereto.

In addition, the fund selection condition information may include information about the manager that operates the fund.

According to one embodiment of the invention, the storage medium 135 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 135 may be a ledger D / B provided in the DBMS on the financial system, or may be 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 storage medium 135 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

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

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

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined fund selection information from the information registration terminal to the information registration terminal in association with the interface; An information receiving unit 115 for receiving predetermined fund selection information input (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the unit 105; and the included in the received fund selection information. Information storage unit 120 for storing deposit information and fund selection condition information in a predetermined storage medium 135, and from an external data vendor (eg, a fund valuation company). Information for selecting a fund to be linked to the deposit by comparing the information collecting unit 130 for collecting fund related information to be linked with the deposit, and the fund selection condition information stored in the storage medium 135; It is characterized by comprising a comparison unit 125.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) fund selection information and transmit it to the information registration server 100 through the financial network, or extract it from a predetermined database (not shown), and the interface unit ( And the user interface generated (or extracted) in connection with 105) to the information registration terminal through the financial network.

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the fund selection information to the information registration terminal and transmitting the fund selection information to the information registration server 100 through the financial network. When the registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) fund selection information including at least one of the deposit information and the fund selection condition information based on the user interface, and inputs the input (or selected) fund selection information. It transmits to the information registration server 100 through a financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) fund selection information including at least one or more deposit information and fund selection condition information through the user interface, the information registration terminal transmits the information through the financial network. And the fund selection information in conjunction with the unit 105, and provides the received fund selection information to the information storage unit 120.

When the validity of the fund selection information is confirmed, the information storage unit 120 stores the information on the storage medium 135 by linking the deposit information and the fund selection condition information included in the fund selection information. When the storage medium 135 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 120 receives the received fund selection information. Preferably, the storage information 135 is stored in the storage medium 135 by cooperatively processing deposit information and fund selection condition information included in the storage information. When the storage medium 135 is provided in a DBMS provided on a financial system, 120 is preferably stored in the DBMS provided on the financial system by providing the deposit information, fund selection condition information included in the received fund selection information to the information system through the external system on the financial system. All.

Thereafter, the information collecting unit 130 collects fund related information to be linked with the deposit from an external data vendor (eg, a fund valuation company, etc.), and compares the collected fund related information with the information comparing unit. Provided at 125.

According to the method of the present invention, the information collecting unit 130 is connected to at least one or more external data vendors computerized, the operation return rate corresponding to the fund selection condition information from the external data vendor, fund beta, whether large-cap growth , Fund-related information, such as setting scale.

The information comparing unit 125 compares fund related information collected through the information collecting unit 130 with fund selection condition information stored in the storage medium 135 to select a fund to be linked to the deposit. It is done.

According to the implementation method of the present invention, the information comparison unit 125 adds a predetermined score (or points) to the collected fund-related information, collects the added points or points, and combines the funds with the deposit. Can be selected.

2 is a diagram illustrating a process of registering fund selection information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 is a case where the information registration server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 100 and connects a communication channel for information registration according to the present invention, and then selects the deposit information and the fund to the information registration server 100 through the communication channel. When the fund selection information including the condition information is transmitted, the deposit information and the fund selection condition information included in the received fund selection information are stored in a predetermined storage medium 135 by the information registration server 100. As a method for carrying out the present invention, those skilled in the art to which the present invention pertains may refer to or modify the drawing 2 to the information registration server 100 from the window terminal. Would be able to infer a variety of exemplary ways to attach group funds selection information, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the window terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience, and the information registration in the window terminal The deposit information and fund selection condition information transmitted to the server 100 are referred to as "fund selection information" for convenience.

Referring to FIG. 2, a window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the fund selection information, and selects a fund linked with the deposit. Upon requesting the fund selection information registration (200), the server generates (or extracts) a predetermined information registration interface for registering the fund selection information (205), and generates (or extracts) the communication channel. In step 210, the information registration interface is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) fund selection information including at least one of the deposit information and fund selection condition information in the terminal.

Thereafter, the terminal inputs (or selects) fund selection information including at least one or more deposit information and fund selection condition information through the information registration interface (215).

If the terminal selects (or selects) fund selection information including the deposit information and fund selection condition information through the information registration interface (220), the terminal receives the input (or selects) through the financial network. Fund selection information including deposit information and fund selection condition information is transmitted to the server (225).

Thereafter, the server receives the deposit information and fund selection condition information through the financial network (230), and the server performs an information registration procedure corresponding to the fund selection information, thereby saving the deposit information and fund selection condition information. In step 235, the link processing is performed in a predetermined storage medium 135.

According to one embodiment of the invention, the storage medium 135 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 135 may be a ledger D / B provided in the DBMS on the financial system, or may be 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 storage medium 135 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server collects fund related information to be linked with the deposit according to the present invention from external data vendors (240), and compares the collected fund related information with the fund selection condition information stored in the storage medium (135) In operation 250, the fund information corresponding to the fund selection condition information stored in the storage medium 135 is checked (250).

If the fund information corresponding to the fund selection condition information stored in the storage medium 135 is confirmed (255), the server selects the fund to be linked to the deposit and stores in the storage medium 135 (260).

In addition, by generating predetermined fund selection history information and transmitting to the terminal, completes the procedure of registering the fund selection information transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face information registration system for selecting a fund linked with a deposit according to another embodiment of the present invention.

In more detail, FIG. 3 shows that if a financial institution employee provides fund selection information including at least one deposit information and fund selection condition information for selecting a fund linked with the deposit through an information registration interface through a predetermined information registration interface. And a system configuration for linking the deposit information and the fund selection condition information included in the provided fund selection information in a predetermined storage medium 335 in the information registration system. Those skilled in the art will be able to infer various implementation methods for configuring an information registration system for selecting a fund linked with a deposit by referring to or modifying the drawing 3, but the present invention includes all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing the fund selection information provided from the employee through the predetermined information registration interface on the storage medium 335 on the information registration system shown in FIG. For convenience, it is referred to as "information registration server 300".

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for selecting a fund linked with the deposit includes at least one client terminal including at least one wired terminal or a wireless terminal used by an employee. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 300 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the employee accesses the information registration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the fund selection information for selecting a fund linked with the deposit is input (or selected) through at least one or more user interfaces provided by the registration server 300, the client terminal is provided on the information registration system through a predetermined network means. It is preferable to transmit to the information registration server 300 provided in.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 300 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information 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 wired terminal or a wireless terminal, and thus a detailed description thereof is omitted for convenience.

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the employee, and at least one wired or wireless communication network connecting the client terminal and the information registration server 300. The employee performs the function of the information registration interface for registering the fund selection information for the fund selection linked to the deposit.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the information registration server 300. The financial network that connects the employee performs the function of the information registration interface for registering the fund selection information for the fund selection linked to the deposit, or when the information registration terminal is the call terminal (not shown), A wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 300 registers fund selection information for selecting a fund in which the employee works with the deposit. A terminal (or server) provided at an institution affiliated with the financial institution, which performs the function of an information registration interface, or is the information registration terminal (FIG. If omitted), a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 300 allows the employee to select a fund that works with the deposit. To perform the function of the information registration interface for registering the fund selection information.

The storage medium 335 provided on the information registration system according to the present invention associates the deposit information and the fund selection condition information included in the fund selection information provided from the information registration terminal with a predetermined storage medium 335. ), And the fund selection information including at least one of the deposit information and the fund selection condition information stored in the storage medium 335 is used for fund selection linked with the deposit.

Preferably, the deposit information includes at least one basic attribute information such as a financial account type (for example, free withdrawal or deposit), and extended attribute information such as a transfer (or withdrawal) limit amount for the financial account. Do.

The fund selection condition information preferably includes at least one condition information for selecting a fund linked with the deposit.

For example, the condition information may include at least one or more of operation yield, fund beta, large-cap growth, set size, and the like.

Here, the conditions according to the operating return, the past five years, three years, one year operating returns include information on the number of times the return on the top ten, and the conditions according to the fund beta includes a fund with a large fund beta, The conditions according to the large-capacity include whether or not it is operated in a 'large-capacity growth' strategy, and the conditions according to the set-up scale may include whether or not the set-scale amount is more than 1 trillion won, which helps to understand the present invention. Only one embodiment for the purpose of not limited thereto.

In addition, the fund selection condition information may include information about the manager that operates the fund.

According to one embodiment of the invention, the storage medium 335 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 335 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 335 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 300 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 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 on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 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 the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an 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 through the network means.

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

For example, when 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. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

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 is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

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

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

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

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

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

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined fund selection information from the information registration terminal to the information registration terminal in association with the interface; An information receiving unit 315 for receiving predetermined fund selection information that is input (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the unit 305; and the included in the received fund selection information. Information storage unit 320 for storing the deposit information, fund selection condition information in a predetermined storage medium 335 and an external data vendor (for example, fund evaluation company, etc.) Information for selecting a fund to be linked to the deposit by comparing the information collection unit 330 for collecting fund-related information to be linked with the deposit, and the fund selection condition information stored in the storage medium 335 It is characterized by comprising a comparison unit 325.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) fund selection information to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit ( In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) fund selection information including at least one of the deposit information and the fund selection condition information based on the user interface, and inputs the input (or selected) fund selection information. The information registration server 300 is transmitted through a financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication 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 as a browser program 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 is a financial automation device connected to a predetermined financial network, the interface providing unit 310 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the and to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a 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 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

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

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the fund selection information to the information registration terminal and transmitting the fund selection information to the information registration server 300 through the network means. When the registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 315 inputs (or selects) fund selection information including at least one of deposit information and fund selection condition information through the user interface, the information registration terminal transmits the information through the network means. And the fund selection information in conjunction with the unit 305, and provides the received fund selection information to the information storage unit 320.

When the fund selection information is received, the information storage unit 320 processes the deposit information and the fund selection condition information included in the fund selection information and stores them in the storage medium 335. When the medium 335 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 included in the received fund selection information. It is preferable to store deposit information and fund selection condition information in the storage medium 335 by linking the information. When the storage medium 335 is provided in a DBMS provided on a financial system, the information storage unit 320 is used. Preferably, the deposit information and fund selection condition information included in the received fund selection information are provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the information collecting unit 330 collects fund related information to be linked to the deposit from an external data vendor (eg, a fund valuation company), and compares the collected fund related information with the information comparing unit. Provided at 325.

According to the method of the present invention, the information collecting unit 330 is connected to at least one or more external data vendors computationally, operating return, fund beta, large stock growth corresponding to the fund selection condition information from the external data vendor. , Fund-related information, such as setting scale.

The information comparing unit 325 compares the fund related information collected through the information collecting unit 330 with the fund selection condition information stored in the storage medium 335, and selects a fund to be linked to the deposit. It is done.

According to the implementation method of the present invention, the information comparison unit 325 adds a predetermined score (or points) to the collected fund-related information, and collects the added points or points to be linked with the deposit. Can be selected.

4 is a diagram illustrating a process of registering fund selection information in a non-face-to-face manner in order to select a fund linked with a deposit according to an embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. The fund including the deposit information and fund selection condition information to the information registration server 300 through the communication channel after connecting to the information registration server 300 and connecting a communication channel for information registration according to the present invention. When the selection information is transmitted, the information registration server 300 and the deposit information, the fund selection condition information included in the received fund selection information in a cooperative process for storing in a predetermined storage medium 335, Those skilled in the art to which the present invention pertains may refer to or modify the drawing 4 and the information registration server 3 at the client terminal. It is possible to infer various implementation methods for registering the fund selection information in 00), but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

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 deposit information and fund selection condition information transmitted to the server 300 is referred to as "fund selection information" 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 Access a server through a communication network or an IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the fund selection information, and request registration of the fund selection information for fund selection linked with the deposit. At 400, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the fund selection information (405), and the generated (or extracted) web page through the communication channel. Transmit and output to the terminal (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) fund selection information including at least one of the deposit information and fund selection condition information in the terminal.

In addition, the web page transmission or output process is preferably performed at least once according to the fund selection information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) fund selection information including at least one or more deposit information and fund selection condition information through the information registration interface (415).

If the terminal selects (or selects) fund selection information including the deposit information and fund selection condition information through the information registration interface (420), the terminal inputs (or selects) the information through the communication channel. Deposit information and fund selection condition information are transmitted to the server (525).

According to an embodiment of the present invention, transmitting the input (or selection) deposit information and fund selection condition information to the server through the communication channel, the fund selection information input (or selection) through the information registration interface. The electronic signature or encryption through the security module provided in the terminal may be made to further include transmitting to the server.

Thereafter, the server receives the fund selection information (430) and performs an information registration procedure corresponding to the received fund selection information, thereby linking the deposit information and the fund selection condition information to a predetermined storage medium (335). (435).

According to one embodiment of the invention, the storage medium 335 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 335 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 335 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on one or more banking system, whereby the present invention is not limited.

Thereafter, the server collects fund related information to be linked with the deposit according to the present invention from external data vendors (440), and compares the collected fund related information with the fund selection condition information stored in the storage medium (335) In operation 445, the fund information corresponding to the fund selection condition information stored in the storage medium 335 is checked (450).

If the fund information corresponding to the fund selection condition information stored in the storage medium 335 is confirmed (455), the server selects a fund to be linked to the deposit and stores it in the storage medium (335) (460).

In addition, by generating predetermined fund selection history information and transmitting to the terminal, completes the procedure of registering the fund selection information transmitted from the terminal.

5 is a diagram illustrating a system for establishing a face-to-face fund linked account for opening a financial account linked to a specific fund according to an embodiment of the present invention.

In more detail, in FIG. 5, when a predetermined customer prepares a fund linked account application including at least one predetermined deposit target information and submits it to a window provided at a predetermined financial institution, the fund linked account at the financial institution. Open a fund linked account for opening a financial account linked to the specific fund based on the deposit subscription information corresponding to the application, and stores the fund linked account management information for managing the linked funds account; 555), and those skilled in the art to which the present invention pertains, a system for establishing a fund linked account for opening a financial account linked to a specific fund by referring to or modifying the present drawing 5 It will be able to infer various implementation methods for, but the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to or modify this drawing 5 to configure a fund linked account opening system that omits the method of storing the fund linked account electronic document in the electronic document storage. In addition, the electronic document storage is provided in the DBMS located in the fund linked account opening system, in addition to the implementation method shown in FIG. 5, even when the fund linked account electronic document is stored in the electronic document storage. Although the disclosed method can be inferred, the present invention encompasses all the implemented methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 5, in the method for generating the fund linked account electronic document, a fund linked account electronic document corresponding to the fund linked account application is generated on a server side on the fund linked account opening system. Although the present invention is not limited thereto, the fund linked account electronic document is generated by a terminal that has acquired image content corresponding to the fund linked account application through a predetermined image acquisition device. (For example, the electronic document generation function provided on the server side is provided on the terminal side to generate the fund linked account electronic document), and the present invention is not limited thereto.

Hereinafter, the customer opens the fund linked account in response to the fund linked account application and the deposit subscription application information prepared by the customer through a predetermined financial account opening interface on the fund linked account opening system shown in FIG. A component corresponding to at least one or more means or functional configuration for generating a predetermined fund linked account electronic document and storing it in a predetermined electronic document repository is referred to as a " financial company server 500 "

Referring to FIG. 5 according to an embodiment of the present invention, a system for opening a fund linked account for opening a financial account linked to the specific fund includes a teller terminal provided in at least one financial institution branch (or branch). It characterized in that it comprises a terminal device, the terminal device is connected to the communication channel and the financial institution server 500 provided on the fund linked account opening system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch (branch branch) to open a financial account linked to the specific fund, and through a window (or window) provided at the financial institution branch branch (branch branch). An application for a predetermined fund linked account for opening a financial account linked to the particular fund (e.g., a document with a form for filling in at least one information item for opening a financial account linked to the specific fund); In this case, it is desirable for the customer to seal the seal of the customer for the legal basis for the fund linked account application.

Subsequently, when the customer submits the completed fund linked account application to the teller, the teller scans the fund linked account application through a predetermined image acquisition device to obtain predetermined image contents, and a predetermined teller terminal. Input (or select) deposit subscription application information including at least one image content obtained in response to the fund linked account application and deposit target deposit information written in the fund linked account application; and correspondingly, the counter terminal The image content and deposit subscription application information is preferably transmitted to the financial institution server 500 provided on the fund linked account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 500 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 500 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 500. It is preferable to make it.

In the system for establishing a fund linked account as described above, an image acquisition device for acquiring image contents corresponding to the fund linked account application prepared by the customer, a window terminal used by the employee, the window terminal and the financial company server 500 The financial network connecting to perform a function of the financial account opening interface for registering the deposit subscription application information for the customer to open a financial account linked to the specific fund.

The storage medium 555 provided on the system for establishing a fund linked account according to the present invention is linked to the fund including at least one or more of the customer information and the target deposit information included in the deposit subscription application information provided from the terminal device. It is characterized by storing the account management information.

The subscription target deposit information preferably includes fund information selected to interwork with the deposit to be subscribed to by the customer through the information registration system shown in FIG. 1 or 3 and deposit amount information of the customer.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the fund linked account opening system in response to the customer It is preferable to make it.

According to an embodiment of the present invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund linked account opening system (or linked with the fund linked account opening system). At this time, the storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another method of the present invention, the storage medium 555 is provided on (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on the fund linked account opening system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The financial institution server 500 provided on the fund linked account opening system according to the present invention is a generic term for the components of the fund linked account opening system connected to the terminal device through a predetermined financial network, and includes at least one server ( Or an apparatus) 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 an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the financial institution server 500 is a ledger server provided on a financial system connected to the teller terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial company server 500 may include an interface unit 505 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 505 may establish a predetermined communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 5, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, the financial institution server 500 interoperates with the specific fund. Acquire image contents corresponding to the fund linked account application prepared by the customer through a predetermined image acquisition device provided in the terminal device for opening, and input (or select) the deposit subscription application information corresponding to the fund linked account application. Generating (or extracting) at least one user interface for transmitting to the financial institution server 500, and providing the generated (or extracting) user interface to the terminal device in association with the interface unit 505. The interface providing unit 510, and the terminal device corresponding to the fund linked account application through the user interface When the deposit subscription application information is input (or selected) and transmitted, an information receiver 515 for receiving the deposit subscription application information transmitted from the terminal device in association with the interface unit 505, and the user at the terminal device. When the image content corresponding to the fund linked account application prepared by the customer is obtained and transmitted through a predetermined image acquisition device based on an interface, the image content corresponding to the fund linked account application is linked to the interface unit 505. Characterized in that it comprises a receiving image receiving unit 520.

The interface provider 510 connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, and then finances the intermediary with the specific fund through the financial institution server 500. When requesting a user interface for opening an account, an image content corresponding to the fund linked account application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device, and a deposit subscription corresponding to the fund linked account application is obtained. Input (or select) the application information to generate at least one user interface for transmitting to the financial institution server 500 through the financial network, or extracted from a predetermined database (not shown), the interface unit 505 And providing the generated (or extracted) user interface to the terminal device through the financial network. And that is characterized.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the fund linked account application prepared by the customer through a predetermined image acquisition device, and inputs the deposit subscription application information corresponding to the fund linked account application. (Or select) a predetermined information registration program having at least one user interface for transmitting to the financial institution server 500 through the financial network, the customer through the predetermined image acquisition apparatus as described above. Generate a user interface for acquiring image contents corresponding to the created fund linked account application, inputting (or selecting) deposit subscription application information corresponding to the fund linked account application, and transmitting the same to the financial institution server 500 (or The interface providing unit 510 which is extracted) and provided to the terminal device is omitted. Even mubang, and to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) the deposit subscription request information including at least one of the deposit target deposit information through the user interface, and transmits the input (or selected) deposit subscription request information to the financial network. The financial receiver server 500 transmits the data to the financial institution server 500. In response thereto, the information receiving unit 515 receives the deposit subscription application information transmitted from the terminal device in association with the interface unit 505.

In addition, the terminal device obtains the image content corresponding to the fund linked account application written by the customer through a predetermined image acquisition device based on the user interface, and the acquired financial information server through the financial network server The image receiving unit 520 receives the image content corresponding to the fund linked account application in association with the interface unit 505.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the fund linked account application written by the customer through a predetermined image acquisition device, and is provided (or linked) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the fund linked account application created by the customer from the at least one or more image contents stored in the storage device through the user interface and then through the financial network. The image receiving unit 520 receives the image content corresponding to the fund linked account application in association with the interface unit 505.

According to another exemplary embodiment of the present invention, when the terminal device transmits the image content corresponding to the fund linked account application written by the customer and the deposit subscription application information corresponding to the fund linked account application through the user interface. The information receiving unit 515 may be connected with the interface unit 505 to receive image contents corresponding to the fund linked account application and deposit subscription application information together (for example, the image receiving unit 520 may be used as the information receiving unit). Integrated into the receiver 515), whereby the present invention is not limited thereto.

Referring to FIG. 5, when the financial institution server 500 receives the deposit subscription request information transmitted from the terminal device through the information receiver 515, the financial institution server 500 interoperates with the specific fund. Characterized in that it comprises a validity check unit 525 to check whether the validity for opening a financial account is satisfied.

According to the implementation method of the present invention, the validity confirmation of the deposit subscription information is registered at least one or more ledger information matching the deposit subscription application information in the ledger D / B on the financial system linked to the fund linked account opening system It is preferable to include checking whether it is done.

For example, the validity confirmation of the deposit subscription request information includes the information on the financial system in which the customer information (customer personal information, member information, etc.) is linked to the fund linked account opening system among the information included in the deposit subscription request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the deposit information that the customer wants to join the fund selected through the information registration system shown in Figure 1 or 3 It is preferable to include a check that matches with the deposit information to be linked.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the fund information linked to the deposit that the customer wants to subscribe through the information registration system shown in FIG. It is preferable to include a check that matches with the selected fund information.

Referring to FIG. 5, the financial institution server 500 receives the image content transmitted from the terminal device through the image receiving unit 520, and receives the deposit subscription information through the validity checking unit 525. When the validity is authenticated, an electronic document generation unit 530 for generating a predetermined fund linked account electronic document including the received image content and the generated fund linked account electronic document are associated with the fund linked account opening system. It is characterized by comprising an electronic document transmission unit 535 for transmitting to the electronic document storage.

The electronic document generating unit 530 may generate a fund linked account electronic document including the image content received from the terminal device through the image receiving unit 520.

According to an embodiment of the present invention, the electronic document generating unit 530 is a financial account that is linked to the specific fund as it is an image file containing the image content received from the terminal device through the image receiving unit 520 It is desirable to process the fund linked account electronic documents for opening.

Alternatively, the electronic document generating unit 530 may include subscription target deposit information included in the deposit subscription application information received through the information receiving unit 515 in the image content received from the terminal device through the image receiving unit 520. It is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund, the image file corresponding to the image content including at least one or more information of the watermark (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document generating unit 530 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 520. A financial account linked with the specific fund by generating a format file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a fund linked account electronic document for opening.

Alternatively, the electronic document generating unit 530 may include subscription target deposit information included in the deposit subscription application information received through the information receiving unit 515 in the image content received from the terminal device through the image receiving unit 520. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. ), A fund linked account electronic document for opening a financial account linked to the specific fund by generating a file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generating unit 530 registers the image content received from the terminal device through the image receiving unit 520 and the deposit received through the information receiving unit 515. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc.), it is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the electronic document generating unit 530 may include subscription target deposit information included in the deposit subscription application information received through the information receiving unit 515 in the image content received from the terminal device through the image receiving unit 520. Generating an image content including at least one of the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the deposit subscription information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to create a financial account linked to the specific fund. It is desirable to create a linked account electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 530 is a technical feature of generating a fund linked account electronic document of the image file format or a predetermined document file format, and the fund linked account You will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 535 transmits and stores the electronic fund linked account electronic document generated by the electronic document generating unit 530 to a predetermined electronic document repository associated with the fund linked account opening system. do.

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 560 and an electronic document D / B associated with the financial institution server 500 on the fund linked account opening system through predetermined communication means. When provided to the outside, the electronic document transmission unit 535 transmits the fund linked account electronic document generated by the electronic document generation unit 530 to the electronic document server 560 through the communication means. It is characterized by.

Herein, when the electronic document server 560 and the electronic document D / B are provided outside the fund linked account opening system, the electronic document server 560 and the electronic document D / B are managed by an authorized institution. It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the fund linked account opening system, the electronic document transmission unit 535 is generated by the electronic document generation unit 530. The fund linked account electronic document may be stored in an electronic document D / B corresponding to an electronic document storage on a DBMS provided in the fund linked account opening system, and the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 535 is electronic document related information for generating a predetermined electronic document management information in the electronic document server 560 (for example, linking funds corresponding to the image content) It is possible to transmit to the electronic document repository further comprising the customer information, the financial institution information, or the electronic document file format information, or the deposit subscription application information, etc. to send the customer information, or the fund linked account electronic document. The present invention is not limited thereby.

Referring to FIG. 5, the financial institution server 500 has a validity for opening a financial account in which deposit application information received through the information receiving unit 515 is linked with the specific fund through the validity checking unit 525. When authenticated, an information generation unit 540 for generating the financial account information based on the subscription target deposit information included in the validity of the deposit subscription application information, and the financial name of the customer including the financial account information. It is characterized by comprising an account establishing unit 545 for opening the account.

When the validity confirmation unit 525 confirms the validity of the deposit subscription application information, the information generator 540 generates the financial account information based on the subscription target deposit information included in the deposit subscription application information. Characterized in that.

Herein, the financial account information may include an account number and an interest rate information corresponding to the fund linked account opened based on the deposit subscription application information, and when the fund linked account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

The account establishment unit 545 generates a customer ledger including customer information included in the financial account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information and is provided), After generating the predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in accordance with the deposit subscription application information to link with the specific fund It is characterized by opening a predetermined financial account for opening a financial account.

According to an embodiment of the present invention, when the financial company server 500 and the financial system exist in the same system, the account opening unit 545 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 500 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 545 may use the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 5, the financial institution server 500 has a validity for opening a financial account in which deposit application information received through the information receiving unit 515 is linked with the specific fund through the validity checking unit 525. When the information is authenticated, the information storage unit 550 that stores the fund linked account management information including at least one or more of the customer information and the target deposit information included in the deposit registration application information is validated in a predetermined storage medium 555 It is characterized by comprising a).

When the validity of the deposit subscription request information is confirmed by the validity confirming unit 525, the information storage unit 550 includes at least one or more of the customer information and the subscription target deposit information included in the deposit subscription request information. It is characterized in that for storing the fund linked account management information to the storage medium (555).

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the financial institution server 500 or on the network associated with the financial institution server 500, the information storage unit 550 may be configured to include the storage medium 555. Preferably, the storage medium 555 stores the fund linked account operation information including at least one of the customer information and the subscription target deposit information included in the received deposit subscription information.

According to another exemplary embodiment of the present invention, when the storage medium 555 is provided in a DBMS provided on a financial system, the information storage unit 550 may include the customer information included in the received deposit subscription information. It is preferable to provide fund linked account operation information including at least one subscription target deposit information to the information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Referring to FIG. 5, an electronic document server 560 which receives a predetermined fund linked account electronic document from the financial institution server 500 provided on the fund linked account opening system and stores and manages the electronic document D / B in a predetermined electronic document D / B. ), An electronic document receiving unit 565 for receiving a predetermined fund linked account electronic document from the financial institution server 500 through a predetermined communication means, and the received fund linked account electronic document to the electronic document D / B. An information generation unit 570 for generating predetermined electronic document management information for storage and management, and an electronic document for storing the electronic document management information and the fund linked account electronic document in a predetermined electronic document D / B. It is characterized by comprising a storage unit 575.

The electronic document receiving unit 565 may receive the fund linked account electronic document in the form of an image file or a document file from the financial institution server 500 through the communication means.

According to an embodiment of the present invention, the fund linked account electronic document received by the electronic document receiving unit 565 through the communication means is an image file including the image content received by the financial institution server 500 from the terminal device. It is preferable to include as it is.

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 565 through the communication means is subject to subscription included in the deposit subscription application information in the image content received by the financial institution server 500 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the deposit information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the fund linked account electronic document received by the electronic document receiving unit 565 through the communication means includes a predetermined image content that the financial institution server 500 receives from the terminal device. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 565 through the communication means is a subscription target deposit included in the deposit subscription application information in the image content received by the financial institution server 500 from the terminal device. Predetermined document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) containing image contents including at least one of the information in a watermarking manner. And a word processor file including at least one or a web document file including MHT).

According to another embodiment of the present invention, the fund linked account electronic document received by the electronic document receiving unit 565 through the communication means is the image content and the deposit received by the financial institution server 500 from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including the subscription application information, or an MHT. Web document files).

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 565 through the communication means is a subscription target deposit included in the deposit subscription application information in the image content received by the financial institution server 500 from the terminal device. Image content including at least one or more of the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the deposit subscription information. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 570 is a predetermined electronic document unique number (or unique information) to be assigned to the fund linked account electronic document received through the electronic document receiving unit 565, and through the electronic document receiving unit 565 And generating electronic document management information including electronic document storage date and time information including a date and time at which the fund linked account electronic document was received (or a date and time at which the fund linked account electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 570 refers to the fund interworking account electronic document by referring to the financial institution server 500 that transmits the fund interlocking account electronic document received through the electronic document receiving unit 565. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 500 through the electronic document receiving unit 565, the information generating unit 570 may receive the received electronic document. Document related information (e.g., customer information for making a fund linked account application corresponding to the image content, financial institution information for transmitting the fund linked account electronic document, electronic document file format information, or the deposit subscription application information, etc.) It is preferable to generate the electronic document management information further comprising.

The electronic document storage unit 575 associates a fund linked account electronic document received through the electronic document receiving unit 565 with electronic document management information generated through the information generating unit 570 to process a predetermined electronic document D. It stores in / B.

According to the exemplary embodiment of the present invention, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 575 includes the image content received by the financial institution server 500 from the terminal device. It is preferable that the image file is included as it is.

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 575 is included in the deposit subscription information in the image content received by the financial institution server 500 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the subscription target deposit information in a watermarking manner.

According to another exemplary embodiment of the present invention, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 575 may store the image content received by the financial institution server 500 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 575 may be included in the deposit subscription information in the image content received by the financial institution server 500 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing image content including at least one or more pieces of information to be subscribed to in a watermarking manner. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

According to another exemplary embodiment of the present invention, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 575 is an image content received by the financial institution server 500 from the terminal device. And a word processor file including at least one of a definition document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the deposit subscription request information, or an MHT. It is preferable that the web document file including a).

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 575 may be included in the deposit subscription information in the image content received by the financial institution server 500 from the terminal device. Image content including at least one or more information of the target deposit information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the deposit subscription request information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information that the electronic document storage unit 575 processes in association with the fund linked account electronic document and stores in the electronic document D / B is assigned to the fund linked account electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 575 in association with the fund linked account electronic document is stored in the electronic fund linked account electronic document. Preferably, the financial institution server 500 further includes information on the financial institution that has transmitted the fund linked account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 500, the electronic document storage unit 575 processes the electronic document by linking with the fund linked account electronic document. The electronic document management information stored in the document D / B may include the received electronic document-related information (for example, customer information in which a fund linked account application corresponding to the image content is prepared, or a financial institution that transmits the fund linked account electronic document). Information, electronic document file format information, or the like.

6 is a diagram illustrating an implementation method in which a storage medium 555 for storing fund linked account operation information corresponding to a fund linked account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system. .

In more detail, FIG. 6 shows the storage medium 555 shown in FIG. 5 in the ledger D / B when the storage medium 555 is provided in the DBMS on the financial system or in the ledger D / B. The information structure for one embodiment of the method of storing the fund linked account operation information in the ledger information, if the person having ordinary skill in the art to which the present invention pertains, refer to or modify this figure 6 Various information construction methods for storing the fund linked account operation information in D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 6 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger and the fund shown in Figure 5 The account ledger corresponding to the financial account opened through the linked account opening system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, In the ledger D / B provided in the DBMS on the financial system, at least one ledger (for example, a ledger, loan ledger, mortgage ledger, etc.) or the ledgers other than the customer ledger and the account ledger shown in FIG. And at least one additional information for management. Since it will be described, a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( At least one or more of regular reception information including at least one or more days, a term extension, an expiration date, and a target amount, or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

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

Referring to FIG. 6, in which the storage medium 555 is the ledger D / B, or includes an implementation method provided in the ledger D / B, the fund shown in FIG. It is characterized in that the fund linked account management information including at least one or more of the customer information and subscription target deposit information included in the deposit subscription application information provided through the linked account opening system is stored in the form of additional information added to the account ledger. .

The subscription target deposit information preferably includes fund information selected to interwork with the deposit to be subscribed to by the customer through the information registration system shown in FIG. 1 or 3 and deposit amount information of the customer.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the fund linked account opening system in response to the customer It is preferable to make it.

According to another exemplary embodiment of the present invention, the deposit subscription information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, a customer ledger). It can be stored in the form of information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

7 is a storage medium 555 for storing fund linked account operation information corresponding to a fund linked account opened in a face-to-face manner according to another embodiment of the present invention, linked with the ledger D / B provided in a DBMS on a financial system. A diagram showing an implementation method including a compiled database.

In more detail, FIG. 7 illustrates an information structure for an exemplary method in which the storage medium 555 shown in FIG. 5 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As one having ordinary skill in the art to which the present invention pertains, various information for storing the fund linked account operation information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 7 Although the construction method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 7, when the fund linked account management information is not easily stored in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution, the ledger D / If it is not easy to change B or the system is not easy to expand due to the characteristics of the financial system), the fund linked account operation information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D The implementation method of linking and storing / B is shown.

In addition, the database shown in FIG. 7 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 7, the storage medium 555 includes a database associated with the ledger D / B provided in the DBMS on the financial system. And store the fund linked account management information including at least one of the included customer information and the target deposit information. The fund linked account management information is linked to the ledger D / B. Preferably, the operation information further includes a CIF number corresponding to the ledger information.

The subscription target deposit information preferably includes fund information selected to interwork with the deposit to be subscribed to by the customer through the information registration system shown in FIG. 1 or 3 and deposit amount information of the customer.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the fund linked account opening system in response to the customer It is preferable to make it.

FIG. 8 illustrates an implementation method in which a storage medium 555 for storing fund linked account operation information corresponding to a fund linked account opened in a face-to-face manner according to another embodiment of the present invention includes a DBMS provided in a banking server. Figure is shown.

More specifically, FIG. 8 illustrates a DBMS in which a storage medium 555 shown in FIG. 5 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, those skilled in the art to which the present invention pertains, fund linking stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 8 Although it is possible to infer a method of constructing information on account management information, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 8, wherein the storage medium 555 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the deposit subscription request information. And storing the fund linked account operation information including at least one of the included customer information and subscription target deposit information.

The subscription target deposit information preferably includes fund information selected to interwork with the deposit to be subscribed to by the customer through the information registration system shown in FIG. 1 or 3 and deposit amount information of the customer.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the fund linked account opening system in response to the customer It is preferable to make it.

9A and 9B illustrate a process of opening a fund linked account for opening a financial account linked to a specific fund in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 9A and 9B are window terminals in which a terminal device on the fund linked account opening system shown in FIG. 5 is provided at a financial institution branch (or a branch), and the financial institution server 500 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through the bank, the deposit target information is provided for a predetermined customer to open a fund linked account for opening a financial account linked to a specific fund. When a fund linked account application including at least one is prepared and submitted, the financial institution opens a fund linked account in a face-to-face manner based on the fund linked account application. After filling out the application for the linked account and submitting it to the window, the window terminal uses a predetermined image acquisition device. After obtaining the predetermined image content corresponding to the fund linked account application and transmitting to the financial institution server 500, input (or select) the deposit subscription application information corresponding to the fund linked account application to the financial institution server 500 ), The financial institution server 500 illustrates an implementation method of opening the fund linked account based on the deposit subscription application information including at least one of the subscription target deposit information.

Those skilled in the art to which the present invention pertains, infer various modification methods of registering the deposit subscription application information with the financial company server 500 at the window terminal by referring to or modifying the drawings 9a and 9b. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 9A and 9B.

For example, although the implementation method shown in FIGS. 9A and 9B includes a process of generating a predetermined electronic document corresponding to the fund linked account application and storing it in an electronic document storage, the process may be performed according to the intention of the skilled person. It may be omitted, thereby the present invention is not limited.

In addition, in the method illustrated in FIGS. 9A and 9B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the fund linked account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) deposit subscription application information corresponding to the fund linked account application is illustrated as being provided from the financial institution server 500, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial institution server 500, and the present invention is not limited thereto.

In the following Figures 9a and 9b, the window terminal shown in Figure 5 is referred to as "terminal" for convenience, and the financial institution server 500 shown in Figure 5 is referred to as "server" for convenience.

9A and 9B, when a predetermined customer completes and submits a fund linked account application including at least one deposit target information for opening a financial account linked to a specific fund, the window shown in FIG. When the terminal connects to the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for opening a financial account linked to a specific fund corresponding to the fund linked account application (900). Correspondingly, the server generates (or extracts) a user interface for acquiring predetermined image content corresponding to the fund linked account application written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server (905). ), And outputs the generated (or extracted) user interface to the terminal through the financial network The 910.

Thereafter, the terminal acquires image content corresponding to the fund linked account application through a predetermined image acquisition device based on the user interface in operation 915.

If image content corresponding to the fund linked account application is obtained through the image acquisition device (920), the terminal transmits the obtained image content to the server through the financial network (925).

Thereafter, the server inputs (or selects) deposit subscription application information including at least one deposit target deposit information corresponding to the fund linked account application matching the image content, and generates a user interface for transmitting to the server ( Or (930), and transmits and outputs the generated (or extracted) user interface to the terminal through the financial network (935).

Thereafter, the terminal inputs (or selects) deposit subscription application information including at least one subscription target deposit information through the user interface (940).

If deposit subscription application information including at least one of the subscription target deposit information is input (or selected) through the user interface (945), the terminal is input (or selected) to the server through the financial network. The deposit subscription application information is transmitted (950).

Thereafter, the server receives and reads the deposit subscription request information including at least one of the subscription target deposit information through the financial network to confirm the validity of the deposit subscription request information (955).

According to the implementation method of the present invention, the validity confirmation of the deposit subscription information is registered at least one or more ledger information matching the deposit subscription application information in the ledger D / B on the financial system linked to the fund linked account opening system It is preferable to include checking whether it is done.

For example, the validity confirmation of the deposit subscription request information includes the information on the financial system in which the customer information (customer personal information, member information, etc.) is linked to the fund linked account opening system among the information included in the deposit subscription request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the deposit information that the customer wants to join the fund selected through the information registration system shown in Figure 1 or 3 It is preferable to include a check that matches with the deposit information linked.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the fund information linked to the deposit that the customer wants to subscribe through the information registration system shown in FIG. It is preferable to include a check that matches with the selected fund information.

If the validity of the deposit subscription request information is not authenticated (960), the server generates predetermined financial account error information and transmits it to the terminal (965), and opens a fund linked account corresponding to the deposit subscription application information. Do not perform the procedure.

On the other hand, if the validity of the deposit subscription application information is authenticated (960), the server generates a predetermined fund linked account electronic document containing the image content (970).

According to an embodiment of the present invention, it is preferable that the server processes an image file including the image content received from the terminal device as a fund linked account electronic document for opening a financial account linked to the specific fund. .

Alternatively, the server may include an image corresponding to the image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription information in the watermarking method in the image content received from the terminal device. It is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), it is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund. .

Alternatively, the server generates image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription request information in a watermarking manner in the image content received from the terminal device. A predetermined document file including the generated image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. It is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) containing the image content received from the terminal device and the received subscription information. Linking a fund for opening a financial account linked to the specific fund by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an account electronic document.

Alternatively, the server generates image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription request information in a watermarking manner in the image content received from the terminal device. A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content and the deposit subscription information; By generating a processor file or a web document file including an MHT), it is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

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

Thereafter, the server stores the generated fund linked account electronic document in a predetermined electronic document storage (975).

As shown in FIG. 5, the electronic document repository is provided externally including a predetermined electronic document server 560 and an electronic document D / B linked with a server on the fund linked account opening system through predetermined communication means. In this case, the server preferably transmits the generated fund linked account electronic document to the electronic document server 560 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the fund linked account opening system, the server stores the generated fund linked account electronic document on the DBMS provided in the fund linked account opening system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to the method of the present invention, storing the fund linked account electronic document in the electronic document storage, the electronic link shown in Figure 5 by processing the generated fund linked account electronic document and predetermined electronic document management information It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the fund linked account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund linked account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a fund linked account application corresponding to the image content is prepared, or financial institution information for transmitting the fund linked account electronic document, or an electronic document file). Format information, or the deposit subscription application information).

If the fund linked account electronic document is stored in the electronic document repository (980), the server generates the financial account information based on the subscription target deposit information included in the deposit subscription application information (985).

Herein, the financial account information may include an account number and an interest rate information corresponding to the fund linked account opened based on the deposit subscription application information. When the fund linked account includes a savings attribute, It is preferable that the predetermined subscription period, payment date and time, and payment amount information is further included.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information on the basis of the subscription target deposit information included in the deposit subscription information in association with the financial system (990).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the deposit subscription application information. And a process of opening a predetermined financial account for opening a financial account linked with the system.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates fund linkage account operation information including at least one of the customer information and the subscription target deposit information included in the deposit subscription request information and stores the fund linked account operation information in a predetermined storage medium 555 (w95).

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the server or on a network associated with the server, the server may include the customer information included in the received deposit subscription information. It is preferable to store the fund linked account management information including at least one subscription target deposit information in the storage medium 555.

According to another embodiment of the present invention, when the storage medium 555 is provided in the DBMS provided on the financial system, the server stores the customer information and the target deposit information included in the received deposit subscription information. It is preferable to provide at least one or more fund-linked account management information including at least one of the funds linked to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Subsequently, the server registers predetermined financial account information (for example, the fund linked account establishment history, or the details of storing the fund linked account electronic document in the electronic document storage, or the deposit medium in the storage medium 555). The details of storing the application information) are generated (or extracted) and transmitted to the terminal (999).

According to an embodiment of the present invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund linked account opening system (or linked with the fund linked account opening system). At this time, the storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another method of the present invention, the storage medium 555 is provided on (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on the fund linked account opening system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

10A and 10B illustrate a process of opening a fund linked account for opening a financial account linked to a specific fund in a face-to-face manner according to another exemplary embodiment of the present invention.

10A and 10B are detailed view of a terminal terminal provided with a financial institution branch (or a branch) on a fund linked account opening system shown in FIG. 5, and the financial institution server 500 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through the bank, the deposit target information is provided for a predetermined customer to open a fund linked account for opening a financial account linked to a specific fund. When a fund linked account application including at least one is prepared and submitted, the financial institution opens a fund linked account in a face-to-face manner based on the fund linked account application. After completing the linked account application form and submitting it to the above window, the counter terminal will apply to the fund linked account application. After inputting (or selecting) deposit subscription application information to the financial institution server 500, the predetermined image content corresponding to the fund linked account application is obtained through a predetermined image acquisition device, and the financial institution server 500 is obtained. ), The financial institution server 500 illustrates an implementation method of opening the fund linked account based on the deposit subscription application information including at least one of the subscription target deposit information.

If one of ordinary skill in the art to which the present invention pertains, various implementation methods of registering the deposit subscription application information with the financial company server 500 at the window terminal by referring to or modifying the drawings 10a and 10b. As will be appreciated, the present invention includes all implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 10A and 10B.

For example, although the implementation method shown in FIGS. 10A and 10B includes a process of generating a predetermined electronic document corresponding to the fund linked account application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method illustrated in FIGS. 10A and 10B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the fund linked account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) deposit subscription application information corresponding to the fund linked account application is illustrated as being provided from the financial institution server 500, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial institution server 500, and the present invention is not limited thereto.

In the following Figures 10a and 10b, the window terminal shown in Figure 5 is referred to as a "terminal" for convenience, and the financial institution server 500 shown in Figure 5 is referred to as a "server" for convenience, and in the window terminal The subscription target deposit information transmitted to the financial company server 500 is referred to as "deposit subscription application information" for convenience.

Referring to FIGS. 10A and 10B, when a predetermined customer prepares and submits a fund linked account application including at least one deposit target information for opening a financial account linked to a specific fund, the window shown in FIG. When the terminal connects to the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for opening a financial account linked to a specific fund corresponding to the fund linked account application (1000). Correspondingly, the server generates (or extracts) a user interface for inputting (or selecting) deposit subscription application information including at least one deposit target deposit information corresponding to the fund linked account application prepared by the customer and transmitting the deposit subscription application information to the server. (1005), and transfers the generated (or extracted) user interface to the terminal through the financial network. And outputs (1010).

Thereafter, the terminal inputs (or selects) deposit subscription request information including at least one of the subscription target deposit information through the user interface (1015).

If the deposit subscription request information including at least one subscription target deposit information is input (or selected) through the user interface (1020), the terminal is input (or selected) to the server through the financial network. The deposit subscription application information is transmitted (1025).

Thereafter, the server receives and reads the deposit subscription request information including at least one of the subscription target deposit information through the financial network to check the validity of the deposit subscription request information (1030).

According to the implementation method of the present invention, the validity confirmation of the deposit subscription information is registered at least one or more ledger information matching the deposit subscription application information in the ledger D / B on the financial system linked to the fund linked account opening system It is preferable to include checking whether it is done.

For example, the validity confirmation of the deposit subscription request information includes the information on the financial system in which the customer information (customer personal information, member information, etc.) is linked to the fund linked account opening system among the information included in the deposit subscription request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the deposit information that the customer wants to join the fund selected through the information registration system shown in Figure 1 or 3 It is preferable to include a check that matches with the deposit information to be linked.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the fund information linked to the deposit that the customer wants to subscribe through the information registration system shown in FIG. It is preferable to include a check that matches with the selected fund information.

If the validity of the deposit subscription request information is not authenticated (1035), the server generates predetermined financial account error information and transmits it to the terminal (1040), and opens a fund linked account corresponding to the deposit subscription application information. Do not perform the procedure.

On the other hand, if the validity of the deposit subscription information is authenticated (1035), the server obtains the predetermined image content corresponding to the fund linked account application written by the customer through the predetermined image acquisition device in the terminal to the server A user interface for transmitting is generated (or extracted) (1045), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1050).

Thereafter, the terminal acquires image content corresponding to the fund linked account application through a predetermined image acquisition device based on the user interface (1055).

If image content corresponding to the fund linked account application is obtained through the image acquisition device (1060), the terminal transmits the acquired image content to the server through the financial network (1065).

The server receiving the deposit subscription request information and the image contents from the terminal generates a predetermined fund linked account electronic document including the image contents (1070).

According to an embodiment of the present invention, it is preferable that the server processes an image file including the image content received from the terminal device as a fund linked account electronic document for opening a financial account linked to the specific fund. .

Alternatively, the server may include an image corresponding to the image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), it is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund. .

Alternatively, the server generates image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription request information in a watermarking manner in the image content received from the terminal device. A predetermined document file including the generated image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. It is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) containing the image content received from the terminal device and the received subscription information. Linking a fund for opening a financial account linked to the specific fund by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an account electronic document.

Alternatively, the server generates image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription request information in a watermarking manner in the image content received from the terminal device. A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content and the deposit subscription information; By generating a processor file or a web document file including an MHT), it is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

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

Thereafter, the server stores the generated fund linked account electronic document in a predetermined electronic document storage (1075).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 560 and an electronic document D / B connected to a server on the fund linked account opening system through predetermined communication means. When provided, the server preferably transmits the generated fund linked account electronic document to the electronic document server 560 through the communication means to store in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the fund linked account opening system, the server stores the generated fund linked account electronic document on the DBMS provided in the fund linked account opening system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to the method of the present invention, storing the fund linked account electronic document in the electronic document storage, the electronic link shown in Figure 5 by processing the generated fund linked account electronic document and predetermined electronic document management information It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the fund linked account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises the financial institution information that transmitted the fund linked account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a fund linked account application corresponding to the image content is prepared, or financial institution information for transmitting the fund linked account electronic document, or an electronic document file). Format information, or the deposit subscription application information).

If the fund linked account electronic document is stored in the electronic document repository (1080), the server generates the financial account information based on the subscription target deposit information included in the deposit subscription application information (1085).

Herein, the financial account information may include an account number and an interest rate information corresponding to the fund linked account opened based on the deposit subscription application information, and when the fund linked account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information on the basis of the subscription target deposit information included in the deposit subscription information in association with the financial system (1090).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the deposit subscription application information. And a process of opening a predetermined financial account for opening a financial account linked with the system.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates fund linkage account operation information including at least one of the customer information and the subscription target deposit information included in the deposit subscription request information and stores the fund linked account operation information in a predetermined storage medium 555 (1095).

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the server or on a network associated with the server, the server may include the customer information included in the received deposit subscription information. It is preferable to store the fund linked account management information including at least one subscription target deposit information in the storage medium 555.

According to another embodiment of the present invention, when the storage medium 555 is provided in the DBMS provided on the financial system, the server stores the customer information and the target deposit information included in the received deposit subscription information. It is preferable to provide at least one or more fund-linked account management information including at least one of the funds linked to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Subsequently, the server registers predetermined financial account information (for example, the fund linked account establishment history, or the details of storing the fund linked account electronic document in the electronic document storage, or the deposit medium in the storage medium 555). A history of storing the application information) is generated (or extracted) and transmitted to the terminal (1099).

According to an embodiment of the present invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund linked account opening system (or linked with the fund linked account opening system). At this time, the storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another method of the present invention, the storage medium 555 is provided on (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on the fund linked account opening system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

11A and 11B illustrate a process of opening a fund linked account for opening a financial account linked to a specific fund in a face-to-face manner according to another exemplary embodiment of the present invention.

11a and 11b show a terminal device in which a terminal device on a fund linked account opening system shown in FIG. 5 is provided at a branch of a financial institution (or a branch), and the financial institution server 500 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through the bank, the deposit target information is provided for a predetermined customer to open a fund linked account for opening a financial account linked to a specific fund. When a fund linked account application including at least one is prepared and submitted, the financial institution opens a fund linked account in a face-to-face manner based on the fund linked account application. After filling out the application for the linked account and submitting it to the window, the window terminal uses a predetermined image acquisition device. After obtaining predetermined image contents corresponding to the fund linked account application, inputting (or selecting) deposit subscription application information corresponding to the fund linked account application, and displaying the image content and the deposit subscription application information on the financial company server. When the transmission to the 500, the financial institution server 500 shows an implementation method of opening the fund linked account based on the deposit subscription application information including at least one or more of the subscription target deposit information.

Those skilled in the art to which the present invention pertains, various analogous implementation methods for registering the deposit subscription application information to the financial company server 500 at the window terminal by referring to or modifying the figures 11a and 11b. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

For example, although the implementation method shown in FIGS. 11A and 11B includes a process of generating a predetermined electronic document corresponding to the fund linked account application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. The present invention is not limited by this.

In addition, in the method illustrated in FIGS. 11A and 11B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the fund linked account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) deposit subscription application information corresponding to the fund linked account application is illustrated as being provided from the financial institution server 500, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial institution server 500, and the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 5 in FIGS. 11A and 11B will be referred to as a "terminal" for convenience, and the financial company server 500 shown in FIG. 5 will be referred to as a "server" for convenience. The subscription target deposit information transmitted to the financial institution server 500 is referred to as "deposit subscription application information" for convenience.

Referring to FIGS. 11A and 11B, when a predetermined customer prepares and submits a fund linked account application including at least one deposit target information for opening a financial account linked to a specific fund, the window shown in FIG. When the terminal connects to the server through a predetermined financial network and connects a predetermined communication channel, when the terminal requests a user interface for opening a financial account linked to a specific fund corresponding to the fund linked account application (1100), In response, the server inputs (or selects) the deposit subscription application information corresponding to the fund linked account application prepared by the customer in the terminal, and a predetermined image corresponding to the fund linked account application through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting content to the server (1105); And outputs to transmit the network via the generated (or extracted) user interface to the mobile station (1110).

Thereafter, the terminal inputs (or selects) deposit subscription request information including at least one of the subscription target deposit information through the user interface (1115).

If deposit application information including at least one deposit target deposit information is input (or selected) through the user interface (1120), the terminal transmits the fund through a predetermined image acquisition device based on the user interface. The image content corresponding to the linked account application is acquired (1125).

If image content corresponding to the fund linked account application is obtained through the image acquisition device (1130), the terminal transmits the deposit subscription application information and the image content to the server through the financial network (1135).

Thereafter, the server receives and reads the deposit subscription request information including at least one of the subscription target deposit information through the financial network to check the validity of the deposit subscription request information (1140).

According to the implementation method of the present invention, the validity confirmation of the deposit subscription information is registered at least one or more ledger information matching the deposit subscription application information in the ledger D / B on the financial system linked to the fund linked account opening system It is preferable to include checking whether it is done.

For example, the validity confirmation of the deposit subscription request information includes the information on the financial system in which the customer information (customer personal information, member information, etc.) is linked to the fund linked account opening system among the information included in the deposit subscription request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the deposit information that the customer wants to join the fund selected through the information registration system shown in Figure 1 or 3 It is preferable to include a check that matches with the deposit information to be linked.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the fund information linked to the deposit that the customer wants to subscribe through the information registration system shown in FIG. It is preferable to include a check that matches with the selected fund information.

If the validity of the deposit subscription information is not authenticated (1145), the server generates predetermined financial account error information and transmits it to the terminal (1150), and opens a fund linked account corresponding to the deposit subscription application information. Do not perform the procedure.

On the other hand, if the validity of the deposit subscription information is authenticated (1145), the server generates a predetermined fund linked account electronic document containing the image content (1155).

According to an embodiment of the present invention, it is preferable that the server processes an image file including the image content received from the terminal device as a fund linked account electronic document for opening a financial account linked to the specific fund. .

Alternatively, the server may include an image corresponding to the image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), it is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund. .

Alternatively, the server generates image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription request information in a watermarking manner in the image content received from the terminal device. A predetermined document file including the generated image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. It is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) containing the image content received from the terminal device and the received subscription information. Linking a fund for opening a financial account linked to the specific fund by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an account electronic document.

Alternatively, the server generates image content including at least one or more pieces of information of subscription target deposit information included in the received deposit subscription request information in a watermarking manner in the image content received from the terminal device. A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content and the deposit subscription information; By generating a processor file or a web document file including an MHT), it is preferable to generate a fund linked account electronic document for opening a financial account linked to the specific fund.

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

Thereafter, the server stores the generated fund linked account electronic document in a predetermined electronic document storage (1160).

As shown in FIG. 5, the electronic document repository is provided externally including a predetermined electronic document server 560 and an electronic document D / B linked with a server on the fund linked account opening system through predetermined communication means. In this case, the server preferably transmits the generated fund linked account electronic document to the electronic document server 560 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the fund linked account opening system, the server stores the generated fund linked account electronic document on the DBMS provided in the fund linked account opening system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to the method of the present invention, storing the fund linked account electronic document in the electronic document storage, the electronic link shown in Figure 5 by processing the generated fund linked account electronic document and predetermined electronic document management information It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the fund linked account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund linked account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a fund linked account application corresponding to the image content is prepared, or financial institution information for transmitting the fund linked account electronic document, or an electronic document file). Format information, or the deposit subscription application information).

If the fund linked account electronic document is stored in the electronic document repository (1165), the server generates the financial account information based on the subscription target deposit information included in the deposit subscription application information (1170).

Herein, the financial account information may include an account number and an interest rate information corresponding to the fund linked account opened based on the deposit subscription application information, and when the fund linked account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information based on the subscription target deposit information included in the deposit subscription application information in connection with the financial system (1175).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the deposit subscription application information. And a process of opening a predetermined financial account for opening a financial account linked with the system.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates fund linked account operation information including at least one of the customer information and the subscription target deposit information included in the deposit subscription request information and stores the fund linked account operation information in a predetermined storage medium 555 (1180).

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the server or on a network associated with the server, the server may include the customer information included in the received deposit subscription information. It is preferable to store the fund linked account management information including at least one subscription target deposit information in the storage medium 555.

According to another embodiment of the present invention, when the storage medium 555 is provided in the DBMS provided on the financial system, the server stores the customer information and the target deposit information included in the received deposit subscription information. It is preferable to provide at least one or more fund-linked account management information including at least one of the funds linked to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Thereafter, the server registers predetermined financial account information (for example, the fund linked account establishment history, or the details of storing the fund linked account electronic document in the electronic document storage, or the deposit medium in the storage medium 555). The details of storing the application information) are generated (or extracted) and transmitted to the terminal (1185).

According to an embodiment of the present invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund linked account opening system (or linked with the fund linked account opening system). At this time, the storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another method of the present invention, the storage medium 555 is provided on (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on the fund linked account opening system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

FIG. 12 illustrates a non-face-to-face fund linked account opening system for opening a financial account linked to a specific fund according to another exemplary embodiment of the present invention.

In more detail, FIG. 12 illustrates that when a predetermined customer provides the financial institution with deposit subscription application information including at least one predetermined deposit target information through a predetermined financial account opening interface, the financial institution registers the deposit. Open a fund linked account for opening a financial account linked to the specific fund based on the application information, and stores the fund linked account operation information for managing the fund linked account in a predetermined storage medium (1250) For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the establishment of a fund linked account opening system for opening a financial account linked to a specific fund may be inferred by referring to or modifying the drawing 12. It will be appreciated that the present invention encompasses all implementation methods inferred from the above, and that the seal shown in FIG. It shall be limited to methods.

For example, a person having ordinary knowledge in the art to which the present invention pertains may configure a system for establishing a fund linked account by omitting or implementing the method for storing the fund linked account electronic document in the electronic document repository by referring to or modifying the drawing 12. In addition, the electronic document storage is provided in the DBMS located in the fund linked account opening system, in addition to the implementation method shown in FIG. 12, even when the fund linked account electronic document is stored in the electronic document storage. Although the disclosed method can be inferred, the present invention includes all the implemented methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 12, the fund linked account electronic document is described as being generated on the server side on the fund linked account opening system, but the present invention is not limited thereto. The fund linked account electronic document may be generated on a terminal side that inputs (or selects) the deposit subscription application information (for example, an electronic document generation function provided on the server side is provided on the terminal side to link the fund). Account electronic documents), by which the present invention is not limited.

Hereinafter, the client receives the deposit subscription application information from the customer through a predetermined financial account opening interface on the fund linked account opening system shown in FIG. 12 so that the customer opens the fund linked account. A component corresponding to at least one or more means or functional configuration for generating a fund linked account electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 1200" for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, a system for opening a fund linked account for opening a financial account linked to the specific fund includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises a terminal device including at least one, the terminal device is connected to the communication channel and the financial company server 1200 provided on the fund linked account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the financial institution server 1200 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server Entering (or selecting) the deposit subscription application information for opening a financial account linked to the specific fund through at least one user interface provided by the 1200, the client linked account through the predetermined network means at the client terminal It is preferable to transmit to the financial institution server 1200 provided on the establishment system.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for GSM (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. Mobile communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the A portable Internet terminal connected to an IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is formed, including at least one are preferred.

In addition, the financial company server 1200 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and network means, or for the information registration It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial institution server 1200 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11 depending on the type of wireless communication network to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 1200, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 1200 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 1200) are preferably 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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the above fund linked account establishment system, the client terminal including at least one or more wired terminal or wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the financial company server 1200 The communication network performs a function of a financial account opening interface for registering the deposit subscription application information for the customer to open a financial account linked with the specific fund.

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

In the above fund linked account open system, when the terminal device is the financial automated device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the financial company server 1200. The financial network that connects the customer to perform the function of the financial account opening interface for registering the account registration application information for opening the financial account linked to the specific fund, or the terminal device is the call terminal (not shown) In the case, the call terminal (not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) and the financial company server 1200, the customer subscribes for deposit to open a financial account linked to the specific fund Performs a function of a financial account opening interface for registering application information, or registers with an institution affiliated with the financial institution that is the terminal device. In the case of a non-provided terminal (or server) (not shown), a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial institution server 1200 may be provided by the customer. It functions as a financial account opening interface for registering deposit application information for opening a financial account linked to a specific fund.

The storage medium 1250 provided on the fund linked account opening system according to the present invention is linked to the fund including at least one or more of the customer information and the target deposit information included in the deposit subscription application information provided from the terminal device. It is characterized by storing the account management information.

The subscription target deposit information preferably includes fund information selected to interwork with the deposit to be subscribed to by the customer through the information registration system shown in FIG. 1 or 3 and deposit amount information of the customer.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the fund linked account opening system in response to the customer It is preferable to make it.

According to an embodiment of the present invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the fund linked account opening system (or linked with the fund linked account opening system). In this case, the storage medium 1250 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1250 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on the fund linked account opening system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The financial institution server 1200 provided on the fund linked account opening system according to the present invention is a generic term for components of the fund linked account opening system connected to the terminal device through a predetermined network means, and includes at least one server ( Or an apparatus) 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 an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 1200 is connected to the Internet banking system. A predetermined Internet banking server, a program included in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 1200 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 1200 is provided on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system ( Or device), a program included in the server (or device), or a server (or device) provided in the external system on the financial system accessible through the telebanking server (or the server (or device)). Or may be a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 1200 is connected to the TV banking system. A predetermined TV banking server provided, a program provided in the TV banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the TV banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial institution server 1200 may include an interface unit 1205 for connecting and managing a predetermined communication channel with the terminal device through the network.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1205 is based on a protocol stack defined in the wired communication network or a wireless communication 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 the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1205 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 1200, the interface unit 1205 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 1205 may be configured with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1205 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 1205 establishes a communication channel with the client terminal based on the CDMA protocol. And a web interface (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or a communication interface for transmitting and receiving information using the WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 1200, the interface unit 1205 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1205 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1205 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 12, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 1200 through the interface unit 1205, the financial institution server 1200 interoperates with the specific fund. The terminal apparatus generates (or extracts) at least one user interface for inputting (or selecting) predetermined deposit subscription application information to the financial institution server 1200 and opening (or extracting) the interface unit 1205. The interface providing unit 1210 for providing the generated (or extracted) user interface to the terminal device in association with the terminal device inputs (or selects) and transmits the deposit subscription application information through the user interface. And an information receiving unit 1215 for receiving the deposit subscription application information transmitted from the terminal device in association with the interface unit 1205. Characterized in that W is made.

The interface provider 1210 connects a predetermined communication channel with the financial institution server 1200 through the interface unit 1205 and then finances the financial institution server 1200 to interwork with the specific fund. When requesting a user interface for opening an account, the terminal device generates (or selects) predetermined deposit subscription application information and generates at least one user interface for transmitting to the financial institution server 1200 through the network means. Or extract from a predetermined database (not shown) and provide the generated (or extracted) user interface to the terminal apparatus through the network means in association with the interface unit 1205.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1210 is provided as a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 1210 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1210 may include a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1210 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1205. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1210 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1205.

According to another exemplary embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) predetermined deposit subscription application information to the terminal device and transmitting it to the financial institution server 1200 through the network means is provided. When the information registration program is provided, an interface for generating (or extracting) a user interface for inputting (or selecting) predetermined deposit subscription application information and transmitting it to the financial institution server 1200 as described above and providing it to the terminal device is provided. The providing unit 1210 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) the deposit subscription request information including at least one of the subscription target deposit information through the user interface, and transmits the input (or selected) deposit subscription request information to the network means. The information receiving unit 1215 receives the deposit subscription application information transmitted from the terminal device in association with the interface unit 1205.

According to an exemplary embodiment of the present invention, the terminal device has a predetermined password for checking the validity of the deposit subscription request information at the financial institution server 1200 in the deposit subscription request information including at least one of the subscription target deposit information. Alternatively, at least one or more security card information or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the financial institution server 1200 through the network means.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for deposit subscription application information including at least one or more subscription target deposit information. An electronic envelope-based encryption method, a key exchange-based encryption method, or the like), or attach a predetermined electronic signature to the deposit subscription information and transmit the same to the financial institution server 1200 through the network means. To this end, the terminal device has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate is a predetermined IC chip (or IC) Card), the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

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

Referring to FIG. 12, when the financial institution server 1200 receives the deposit subscription request information transmitted from the terminal device through the information receiving unit 1215, the received deposit subscription request information is linked with the specific fund. Characterized in that it comprises a validity check unit 1220 to check whether the validity for opening a financial account.

According to an embodiment of the present invention, the deposit subscription information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) Is encrypted, the validation unit 1220 is at least one decryption method (for example, symmetric key-based decryption, public key-based decryption, or electronic) for the encrypted deposit subscription information corresponding to the encryption method Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received deposit subscription information.

Alternatively, when a predetermined electronic signature is attached to the deposit subscription request information, the validity verification unit 1220 verifies the validity of the received deposit subscription request information by checking the electronic signature attached to the deposit subscription request information. It is desirable to authenticate.

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

According to an embodiment of the present invention, when the deposit subscription request information received through the information receiving unit 1215 further includes a predetermined password for checking the validity of the deposit subscription request information, the validity confirming unit 1220. ) Compares and authenticates the password included in the deposit subscription request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received deposit subscription request information.

Alternatively, when the deposit subscription application information received through the information receiving unit 1215 further includes predetermined security card information for confirming the validity of the deposit subscription application information, the validity confirming unit 1220 may determine the validity of the deposit subscription application information. It is preferable to authenticate the validity of the received deposit subscription information by comparing and authenticating the received security card information included in the deposit subscription information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the deposit subscription application information received through the information receiving unit 1215 further includes a predetermined OTP code for confirming the validity of the deposit subscription application information, the validity confirming unit 1220 may store the deposit. By comparing and authenticating the received OTP code included in the subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the validity of the received deposit subscription application information is verified. It is desirable to authenticate.

According to the implementation method of the present invention, the validity confirmation of the deposit subscription information is registered at least one or more ledger information matching the deposit subscription application information in the ledger D / B on the financial system linked to the fund linked account opening system It is preferable to include checking whether it is done.

For example, the validity confirmation of the deposit subscription request information includes the information on the financial system in which the customer information (customer personal information, member information, etc.) is linked to the fund linked account opening system among the information included in the deposit subscription request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the deposit information that the customer wants to join the fund selected through the information registration system shown in Figure 1 or 3 It is preferable to include a check that matches with the deposit information to be linked.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the fund information linked to the deposit that the customer wants to subscribe through the information registration system shown in FIG. It is preferable to include a check that matches with the selected fund information.

Referring to FIG. 12, when the validity of the deposit subscription request information is authenticated through the validity confirming unit 1220, the financial institution server 1200 includes a predetermined fund linked account including the received deposit subscription request information. And an electronic document transmission unit 1230 for generating a document and an electronic document transmission unit 1230 for transmitting the generated fund linked account electronic document to an electronic document repository associated with the fund linked account opening system. It is done.

The electronic document generating unit 1225 may generate a fund linked account electronic document including the deposit subscription request information received from the terminal device through the information receiving unit 1215.

According to an exemplary embodiment of the present invention, the electronic document generating unit 1225 generates document content including at least one or more target deposit information included in the deposit subscription application information received through the information receiving unit 1215, and A document file including the document content (eg, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the electronic document generating unit 1225 generates document content including at least one or more target deposit information included in the deposit subscription request information received through the information receiving unit 1215, and stores the deposit in the document content. After including at least one or more information of the target deposit information included in the subscription application information by a watermarking method, a document file (eg, a PDF (Portable Document Format) file, including document content including the watermarking, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the document.

Alternatively, the electronic document generation unit 1225 generates document content including at least one or more target deposit information included in the deposit subscription request information received through the information receiving unit 1215, and captures the document content ( It is preferable to process an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the electronic document generation unit 1225 generates document content including at least one or more target deposit information included in the deposit subscription request information received through the information receiving unit 1215, and captures the document content ( After including at least one or more information of the target deposit information included in the deposit subscription information in the captured image content (for example, the image content generated by capturing the document content on a memory) by a watermarking method, It is preferable to process an image file including the image content including the watermarking as a fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1225 generates document content including at least one or more subscription target deposit information included in the deposit subscription application information received through the information receiving unit 1215. And a predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (e.g. Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby establishing a fund linked account for opening a financial account linked to the specific fund. It is preferable to process the document.

Alternatively, the electronic document generation unit 1225 generates document content including at least one or more target deposit information included in the deposit subscription request information received through the information receiving unit 1215, and captures the document content ( An image that includes at least one or more pieces of information of subscription target deposits included in the deposit subscription information in a captured image content (for example, image content generated by capturing the document content on a memory) by a watermarking method. Word that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content including the watermarking. By creating a processor file or a web document file including the MHT), and opening a financial account linked with the specific fund. Fund is preferably treated with a linked account for the electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1225 may include document contents including at least one or more subscription target deposit information included in the deposit subscription application information received through the information receiving unit 1215. A predetermined document file (for example, PDF (Portable Document) which includes an image content generated by capturing the document content and an image content generated by capturing the document content on a memory) and the deposit subscription information. A financial account linked with the specific fund by generating a format file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the fund linked account electronic documents for opening.

Alternatively, the electronic document generation unit 1225 generates document content including at least one or more target deposit information included in the deposit subscription request information received through the information receiving unit 1215, and captures the document content ( An image that includes at least one or more pieces of information of subscription target deposits included in the deposit subscription information in a captured image content (for example, image content generated by capturing the document content on a memory) by a watermarking method. A content file, and a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking and the deposit subscription information. The specific fund by generating a word processor file including at least one or a web document file including MHT) It is desirable to process electronic documents to the fund account linked to the financial accounts established to work together.

In the technical field to which the present invention pertains, technical features of the electronic document generation unit 1225 generating a fund linked account electronic document in an image file format or a predetermined document file format, and the fund linked account. Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1230 transmits and stores the electronic fund linked account electronic document generated by the electronic document generating unit 1225 to a predetermined electronic document repository associated with the fund linked account opening system. do.

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1255 and an electronic document D / B linked to a financial institution server 1200 on the fund linked account opening system through predetermined communication means. When provided to the outside, the electronic document transmission unit 1230 transmits the fund linked account electronic document generated by the electronic document generation unit 1225 to the electronic document server 1255 through the communication means. It is characterized by.

Herein, when the electronic document server 1255 and the electronic document D / B are provided outside the fund linked account opening system, the electronic document server 1255 and the electronic document D / B are managed by an authorized institution. It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the fund linked account opening system, the electronic document transmitting unit 1230 is generated by the electronic document generating unit 1225. It is possible to store the fund linked account electronic document in the former consultant D / B corresponding to the electronic document storage on the DBMS provided in the fund linked account opening system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1230 is electronic document related information for generating predetermined electronic document management information in the electronic document server 1255 (for example, inputting the deposit subscription request information ( Selectable) and the information on the financial institution that transmits the fund linked account electronic document, the electronic document file format information, or the deposit subscription information, etc.) to the electronic document repository. The present invention is not limited thereto.

Referring to FIG. 12, the financial institution server 1200 has a validity for opening a financial account in which deposit application information received through the information receiving unit 1215 is linked to the specific fund through the validity checking unit 1220. When authenticated, an information generation unit 1235 for generating the financial account information based on the subscription target deposit information included in the validity of the deposit subscription application information, and the financial name of the customer including the financial account information. It is characterized by comprising an account opening unit 1240 for opening the account.

When the validity of the deposit subscription application information is confirmed by the validity confirming unit 1220, the information generator 1235 generates the financial account information based on the deposit target deposit information included in the deposit subscription application information. Characterized in that.

Herein, the financial account information may include an account number and an interest rate information corresponding to the fund linked account opened based on the deposit subscription application information, and when the fund linked account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

The account opening unit 1240 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks a customer ledger that is matched with the customer information and is provided). After generating the predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in accordance with the deposit subscription application information to link with the specific fund It is characterized by opening a predetermined financial account for opening a financial account.

According to an embodiment of the present invention, when the financial company server 1200 and the financial system exist in the same system, the account opening unit 1240 connects the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial institution server 1200 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 1240 may use a predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 12, the financial institution server 1200 has a validity for opening a financial account in which deposit application information received through the information receiving unit 1215 is linked to the specific fund through the validity checking unit 1220. If authenticated, the information storage unit 1245 for storing the fund linked account management information including at least one or more of the customer information and subscription target deposit information included in the validity of the deposit subscription application information in a predetermined storage medium 1250 It is characterized by comprising a).

When the validity confirmation unit 1220 confirms the validity of the deposit subscription request information, the information storage unit 1245 includes at least one or more of the customer information and the target deposit information included in the deposit subscription request information. The fund linked account management information is stored in the storage medium 1250.

According to an exemplary embodiment of the present invention, when the storage medium 1250 is provided in the financial institution server 1200 or on the network associated with the financial institution server 1200, the information storage unit 1245 may be configured as the storage medium 1250. Preferably, the storage medium 1250 stores fund linked account operation information including at least one of the customer information and the subscription target deposit information included in the received deposit subscription information.

According to another exemplary embodiment of the present invention, when the storage medium 1250 is provided in a DBMS provided on a financial system, the information storage unit 1245 may include the customer information included in the received deposit subscription request information. It is preferable to provide fund linked account operation information including at least one subscription target deposit information to the information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Referring to FIG. 12, an electronic document server 1255 that receives a predetermined fund linked account electronic document from the financial institution server 1200 provided on the fund linked account opening system and stores and manages the electronic document D / B in a predetermined electronic document D / B. ), An electronic document receiver 1260 which receives a predetermined fund linked account electronic document from the financial institution server 1200 through a predetermined communication means, and transmits the received fund linked account electronic document to the electronic document D / B. An information generation unit 1265 for generating predetermined electronic document management information for storage and management, and an electronic document for storing the electronic document management information and the fund linked account electronic document in a predetermined electronic document D / B It is characterized by comprising a storage unit 1270.

The electronic document receiving unit 1260 is characterized in that for receiving the fund linked account electronic document in the form of an image file or a document file from the financial company server 1200 through the communication means.

According to the exemplary embodiment of the present invention, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means is included in the deposit subscription application information received by the financial company server 1200 from the terminal device. A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing document content including at least one or more subscription target deposit information. File, or a web document file including MHT).

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. After including at least one or more information of the target deposit information included in the deposit subscription application information in the watermarking method in the document content including the watermarking method, a document file including the document content including the watermarking (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. It is preferable to include an image file including the image content (for example, the image content generated by capturing the document content on the memory) that captured the document content including the above.

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. Watermarking at least one or more pieces of information on subscription target deposits included in the deposit subscription application information into image contents (eg, image contents generated by capturing the document contents on a memory) which captured document contents including the above After the watermarking method is included, the watermarking may include an image file including image content including the watermarking.

According to another exemplary embodiment of the present invention, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means is included in the deposit subscription application information received by the financial company server 1200 from the terminal device. A predetermined document file (eg, PDF (Portable) including image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one or more subscription target deposit information. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. Watermarking at least one or more pieces of information on subscription target deposits included in the deposit subscription application information into image contents (eg, image contents generated by capturing the document contents on a memory) which captured document contents including the above A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) that generates image content including the watermarking method and includes the watermarked image content Word processing files, or web document files containing MHT, etc.) It eojineun preferred.

According to another exemplary embodiment of the present invention, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means is the deposit subscription application information received by the financial company server 1200 from the terminal device. An image content (eg, image content generated by capturing the document content on a memory) and the deposit subscription request information including the document content including at least one subscription target deposit information included in the document content; A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, the fund linked account electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. Watermarking at least one or more pieces of information on subscription target deposits included in the deposit subscription application information into image contents (eg, image contents generated by capturing the document contents on a memory) which captured document contents including the above Generating an image content including a watermarking method, a document file including the watermarking image content and the deposit subscription information (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange)); A file, or a word processor file including at least one of HWP / DOC, etc., or a web text including MHT. It is preferred which comprises a file, and so on).

The information generating unit 1265 is a predetermined electronic document unique number (or unique information) to be assigned to the fund linked account electronic document received through the electronic document receiving unit 1260, and through the electronic document receiving unit 1260 And generating electronic document management information including electronic document storage date and time information including a date and time at which the fund linked account electronic document was received (or a date and time at which the fund linked account electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 1265 refers to the fund interworking account electronics by referring to the financial institution server 1200 that transmits the fund interlocking electronic document received through the electronic document receiving unit 1260. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 1260 further receives a predetermined electronic document related information from the financial institution server 1200, the information generating unit 1265 is the received electronics Document-related information (e.g., customer information transmitted by inputting (selecting) the deposit subscription request information, financial institution information transmitting the fund linked account electronic document, electronic document file format information, or the deposit subscription request information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 1270 associates a fund linked account electronic document received through the electronic document receiving unit 1260 with electronic document management information generated through the information generating unit 1265, thereby providing a predetermined electronic document D. It stores in / B.

According to the exemplary embodiment of the present invention, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 is the deposit subscription application information received by the financial institution server 1200 from the terminal device. Include at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including document content including at least one subscription target deposit information included in the A word processor file, or a web document file including MHT).

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. A document file including document content including the watermarking after including at least one or more pieces of information on subscription target deposit information included in the deposit subscription application information in a watermarking method in document content including at least one of the following; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). It is preferable.

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. The image file may include an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. At least one or more pieces of subscription target deposit information included in the deposit subscription information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of the document contents; After including the in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, a fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 is a deposit subscription request received by the financial institution server 1200 from the terminal device. A predetermined document file (eg, image content including captured image content (eg, image content generated by capturing the document content on a memory) including document content including at least one subscription target deposit information included in the information). A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. At least one or more pieces of subscription target deposit information included in the deposit subscription information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of the document contents; Generating image content including the watermarking method, and including a document file including the watermarking image content (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or A word processor file including at least one HWP / DOC, or a web document file including MHT). It is to be preferred.

According to another exemplary embodiment of the present invention, a fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 is a deposit subscription received by the financial institution server 1200 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) and the deposit subscription request information including document content including at least one subscription target deposit information included in the application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the fund linked account electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include subscription target deposit information included in the deposit subscription application information received by the financial institution server 1200 from the terminal device. At least one or more pieces of subscription target deposit information included in the deposit subscription information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of the document contents; To generate image content including a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the watermarking image content and the deposit subscription information). Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document including MHT. It eojineun made, including the day, etc.) are preferred.

According to the embodiment of the present invention, the electronic document management information, which is stored in the electronic document D / B by the electronic document storage unit 1270 in association with the fund linked account electronic document, is assigned to the fund linked account electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1270 in association with the fund linked account electronic document is stored in the electronic document linked account electronic document. Preferably, the financial institution server 1200 further includes information on a financial institution that has transmitted the fund linked account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the financial institution server 1200, the electronic document storage unit 1270 processes the electronic document by linking with the fund linked account electronic document. Electronic document management information to be stored in the document D / B, the financial information for transmitting the electronic document related information (for example, the customer information sent by the input (selection) of the deposit subscription application information, or the fund linked account electronic document) Institution information, electronic document file format information, or the like.

13A and 13B illustrate a process of opening a fund linked account for opening a financial account linked to a specific fund in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a web server function in which a terminal device on the fund linked account opening system shown in FIG. 12 is a client terminal, and the financial institution server 1200 is accessible to a client terminal through a predetermined network means. In the case of having a, if a given customer provides deposit subscription application information including at least one or more target deposit information through the client terminal to open a fund linked account for opening a financial account linked to a specific fund And an embodiment of the present invention in which the fund linked account is opened and processed to open a financial account linked to the specific fund based on the deposit subscription application information including at least one of the target deposit information. If one of ordinary skill in the art to which the present invention belongs, 13A and 13B may be inferred from various implementation methods for registering the deposit subscription application information from the client terminal to the financial institution server 1200 by referring to or modifying the present invention. It is not limited to the embodiment shown in Figures 13a and 13b.

For example, although the implementation method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the deposit subscription information and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 13A and 13B, the client terminal receives a user interface for inputting (or selecting) the deposit subscription application information through a predetermined web page provided by the financial institution server 1200. Although illustrated as being illustrated, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 1200, and the present invention is not limited thereto.

Hereinafter, in FIG. 13A and FIG. 13B, the client terminal illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the financial institution server 1200 illustrated in FIG. 12 is referred to as a “server” for convenience. The subscription target deposit information transmitted to the financial company server 1200 is referred to as "deposit subscription application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 12 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, A financial account connected to the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN, to connect a predetermined communication channel, and interwork with the specific fund. When a web page including a user interface for opening is requested (1300), the server correspondingly inputs (or selects) the deposit subscription request information including the at least one deposit target information and transmits it to the server. Generate (or extract) a webpage comprising a user interface for the user interface (1305), and generate (or via the network means) And outputs the web page containing the Exodus), the user interface transmitted to the terminal 1310.

According to the implementation method of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the deposit subscription application information registration procedure, whereby the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) deposit subscription application information including at least one subscription target deposit information through a user interface included in the web page (1315).

If the deposit subscription application information including the subscription target deposit information is input (or selected) through the user interface (1320), the terminal receives the input (or select) subscription target deposit through the communication channel. Information is sent to the server (1325).

According to an embodiment of the present invention, the terminal includes predetermined password or security card information for confirming the validity of the deposit subscription request information in the server to the deposit subscription request information including at least one of the subscription target deposit information or At least one or more OTP codes generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method, or electronically) for deposit subscription application information including at least one or more of the subscription target deposit information. Envelope-based encryption method, key exchange-based encryption method, or the like), or attach a predetermined electronic signature to the deposit subscription application information and transmit it to the server through the network means. In the case of having at least one encryption key corresponding to the encryption method, or having a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) , Cardee for checking the official certificate provided in the IC chip (or IC card) It is preferable that a further is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for deposit subscription application information including at least one or more of the subscription target deposit information. Or an electronic envelope based encryption method, or a key exchange based encryption method) and transmit the same to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption method. Or a predetermined certificate including at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card), a certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided for checking.

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

Thereafter, the server receives and reads the subscription target deposit information through the communication channel to check the validity of the deposit subscription application information (1330).

According to an embodiment of the present invention, the deposit subscription information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) Is encrypted at least one or more decryption methods (eg, symmetric key based decryption method, public key based decryption method, or electronic envelope based decryption method) corresponding to the encryption method. , Or a key exchange-based decryption scheme) to authenticate validity of the received deposit subscription information.

Alternatively, when a predetermined electronic signature is attached to the deposit subscription request information, the server may verify the validity of the received deposit subscription request information by checking the electronic signature attached to the deposit subscription request information. .

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

According to an embodiment of the present invention, when the received deposit subscription information further includes a predetermined password for checking the validity of the deposit subscription application information, the server is included in the deposit subscription application information and received. It is preferable to authenticate the validity of the received deposit subscription information by comparing and authenticating a password and a password provided corresponding to the customer on the DBMS.

Alternatively, when the received deposit subscription application information further includes predetermined security card information for checking the validity of the deposit subscription application information, the server includes the received security card information included in the deposit subscription application information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received deposit subscription information.

Alternatively, when the deposit subscription request information received through the information receiving unit 1215 further includes a predetermined OTP code for checking the validity of the deposit subscription request information, the server is included in the deposit subscription request information. It is preferable to authenticate the validity of the received deposit subscription application information by comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to the implementation method of the present invention, the validity confirmation of the deposit subscription information is registered at least one or more ledger information matching the deposit subscription application information in the ledger D / B on the financial system linked to the fund linked account opening system It is preferable to include checking whether it is done.

For example, the validity confirmation of the deposit subscription request information includes the information on the financial system in which the customer information (customer personal information, member information, etc.) is linked to the fund linked account opening system among the information included in the deposit subscription request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the deposit information that the customer wants to join the fund selected through the information registration system shown in Figure 1 or 3 It is preferable to include a check that matches with the deposit information to be linked.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the fund information linked to the deposit that the customer wants to subscribe through the information registration system shown in FIG. It is preferable to include a check that matches with the selected fund information.

If the validity of the deposit subscription application information is not authenticated (1335), the server generates a web page containing the predetermined financial account error information and transmits it to the terminal (1340), and the procedure for opening the fund linked account Do not perform.

On the other hand, if the validity of the deposit subscription request information is authenticated (1335), the server generates predetermined document content including at least one or more subscription target deposit information including the deposit subscription request information (1345), the document A predetermined fund linked account electronic document including the content is generated (1350).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and includes a document file (eg, PDF) containing the document content. (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or web document files including MHT, etc.) It is desirable to process the fund linked account electronic documents for opening.

Alternatively, the server generates document content including at least one subscription target deposit information included in the received deposit subscription request information, and at least one of the subscription target deposit information included in the deposit subscription request information in the document content. After the above information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document content including the watermarking. Or a word processor file including at least one or the like, or a web document file including the MHT, etc.), as a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). It is preferable to process an image file including the image content captured on the screen) as a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). An image file including the image content including the watermarking after including at least one or more pieces of information of the target deposit information included in the deposit subscription application information in a watermarking method in the image content captured and generated on the image content); It is preferable to process the fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server generates document content including at least one subscription target deposit information included in the received deposit subscription information, and captures the document content. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). By generating one or more word processor files, or web document files including MHT), it is preferable to process them as a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). Image content generated by capturing the image on the image content including the at least one or more information of the target deposit information included in the deposit subscription application information by a watermarking method, and the image content including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it will be processed as a fund linked account electronic document for opening a financial account linked to the specific fund It is desirable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one deposit target deposit information included in the received deposit subscription information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing content (e.g., image content generated by capturing the document content on a memory) and the deposit subscription information; Or a word processor file including at least one HWP / DOC, or a web document file including an MHT, etc.) to process a fund linked account electronic document for opening a financial account linked to the specific fund. desirable.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). Image content generated by capturing the image on the image content including the at least one or more information of the target deposit information included in the deposit subscription application information by a watermarking method, and the image content including the watermarking. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the deposit subscription request information, or an MHT. To create a financial account linked with the specific fund. It is desirable to process electronic documents into account.

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

Thereafter, the server stores the generated fund linked account electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 12, the electronic document repository is provided externally including a predetermined electronic document server 1255 and an electronic document D / B linked to a server on the fund linked account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated fund linked account electronic document to the electronic document server 1255 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the fund linked account opening system, the server stores the generated fund linked account electronic document on the DBMS provided in the fund linked account opening system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to an embodiment of the present invention, the storing of the fund linked account electronic document in the electronic document storage may be performed by linking the generated fund linked account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the fund linked account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund linked account electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the deposit subscription request information), financial institution information transmitting the fund linked account electronic document, or electronic document. File format information, or the deposit subscription application information).

If the fund linked account electronic document is stored in the electronic document repository (1360), the server generates the financial account information based on the subscription target deposit information included in the deposit subscription application information (1365).

Herein, the financial account information may include an account number and an interest rate information corresponding to the fund linked account opened based on the deposit subscription application information. When the fund linked account includes a savings attribute, It is preferable that the predetermined subscription period, payment date and time, and payment amount information is further included.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information on the basis of the subscription target deposit information included in the deposit subscription information in connection with the financial system (1370).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the deposit subscription application information. And a process of opening a predetermined financial account for opening a financial account linked with the system.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates fund linked account operation information including at least one of the customer information and the subscription target deposit information included in the deposit subscription request information and stores the fund linked account operation information in a predetermined storage medium 1250 (1375).

According to an exemplary embodiment of the present invention, when the storage medium 1250 is provided in the server or on a network associated with the server, the server may include the customer information included in the received deposit subscription information. It is preferable to store the fund linked account management information including at least one subscription target deposit information in the storage medium (1250).

According to another exemplary embodiment of the present invention, when the storage medium 1250 is provided in a DBMS provided on a financial system, the server stores the customer information and the target deposit information included in the received deposit subscription information. It is preferable to provide at least one or more fund-linked account management information including at least one of the funds linked to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Subsequently, the server registers the financial account opening history information (eg, the fund linked account opening history, or the details of storing the fund linked account electronic document in the electronic document storage, or the storage medium 1250). The details of storing the application information) are generated (or extracted) and transmitted to the terminal (1380).

According to an embodiment of the present invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the fund linked account opening system (or linked with the fund linked account opening system). In this case, the storage medium 1250 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1250 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on the fund linked account opening system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

14A, 14B, and 14C illustrate a process of opening a fund linked account for opening a financial account linked to a specific fund according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case in which a system for establishing a fund linked account shown in FIG. 12 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, linked to the fund shown in FIG. 12). In the case where the financial institution server 1200 on the account opening system is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. After performing, when the client terminal transmits predetermined deposit subscription application information to the Internet banking server to open a fund linked account for opening a financial account linked to the specific fund, the Internet banking server deposits the subscription target deposit. A financial account linked with the specific fund based on the deposit application information including at least one information. The present invention relates to an implementation method for opening and processing the fund linked account for the present invention. Those skilled in the art to which the present invention pertains may refer to or modify the present drawings 14a, 14b, and 14c to provide a different type of non-facing surface. Although various implementation methods of registering the deposit subscription application information through a financial transaction channel may be inferred, the present invention includes all the implementation methods inferred, and the implementation method illustrated in FIGS. 14A, 14B, and 14C. It is not limited to this.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 14A, 14B and 14C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering a deposit subscription application information between the client terminal and the Internet banking server based on a program is illustrated, the person having ordinary knowledge in the technical field to which the present invention belongs, The client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14a, 14b and 14c. between Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of the deposit subscription application information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 14a, 14b and 14c, telebanking The system or other banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of deposit subscription information, but the present invention may provide the telebanking system or wireless system. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. 14A, 14B and 14C. It is never limited to banking.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following FIGS. 14A, 14B, and 14C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 1200 is referred to as a "server" for convenience.

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1400a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (1415a), the server transmits and mounts 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. Or update 1420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1425a), or if the terminal does not need to load or update the Internet banking security module (1415a), the server is mounted on the terminal. By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (1430a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and is defined in the information (or data) to be provided to the server to register the deposit subscription application information in the terminal. When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, 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) or provided by encrypting with at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by means of a decryption method (or a decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of the subscription information. Attach a signature or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

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 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.

Subsequently, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1440a). In operation 1445a, the server (or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

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 a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel that can transmit and register predetermined deposit subscription application information for opening a financial account linked to a specific fund from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for opening a financial account linked to the specific fund, the server requests the server through the internet banking-based financial transaction channel (1400b). Generate (or extract) a web page including a user interface for inputting (or selecting) deposit subscription application information including at least one deposit information and transmitting the same to the server (1405b), and the internet banking-based financial transaction channel; The web page including the generated (or extracted) user interface is transmitted to the terminal and output (1410b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) deposit subscription application information including at least one deposit target information on the terminal, or the deposit subscription. In order to verify the validity of an Internet banking customer requesting to register the application, certain password or security card information (e.g., security card information printed on the security card issued to the customer during the Internet banking application process) or OTP (One Time) Password) (e.g., a one-time password generated through an OTP authenticator (or an OTP authentication program) provided to a customer by a financial institution). Do.

In addition, the process of transmitting or outputting the web page to the terminal is preferably carried out at least once according to the registration information registration procedure, the present invention is not limited thereby.

Thereafter, the terminal inputs (or selects) deposit subscription application information including at least one or more subscription target deposit information through the financial account opening interface (1415b).

If the deposit subscription application information including the subscription target deposit information is input (or selected) through the user interface (1420b), the terminal registers the deposit (the selected) through the financial transaction channel. The application information is transmitted to the server (1425b).

According to an embodiment of the present invention, the terminal includes predetermined password or security card information for confirming the validity of the deposit subscription request information in the server to the deposit subscription request information including at least one of the subscription target deposit information or At least one or more OTP codes generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method, or electronically) for deposit subscription application information including at least one or more of the subscription target deposit information. Envelope-based encryption method, key exchange-based encryption method, or the like), or attach a predetermined electronic signature to the deposit subscription application information and transmit it to the server through the network means. In the case of having at least one encryption key corresponding to the encryption method, or having a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) , Cardee for checking the official certificate provided in the IC chip (or IC card) It is preferable that a further is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method, or electronically) for deposit subscription application information including at least one or more of the subscription target deposit information. Envelope-based encryption method, or key exchange-based encryption method, etc.) to be transmitted to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption method, or Or a predetermined public certificate including at least one encryption key, or when the public certificate is provided on a predetermined IC chip (or IC card), the public certificate provided on the IC chip (or IC card) It is preferable that a card reader for checking is provided.

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

Thereafter, the server receives and reads the deposit subscription request information through the financial transaction channel to check the validity of the deposit subscription request information (1430b).

According to an embodiment of the present invention, the deposit subscription information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.). ), The server determines at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. , Or a key exchange-based decryption scheme) to authenticate validity of the received deposit subscription information.

Alternatively, when a predetermined electronic signature is attached to the deposit subscription request information, the server may verify the validity of the received deposit subscription request information by checking the electronic signature attached to the deposit subscription request information. .

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

According to an embodiment of the present invention, when the deposit subscription request information received through the information receiving unit 1215 further includes a predetermined password for checking the validity of the deposit subscription request information, the server subscribes to the deposit. It is preferable to authenticate the validity of the received deposit subscription application information by comparing and authenticating the password included in the application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the deposit subscription request information received through the information receiving unit 1215 further includes predetermined security card information for confirming the validity of the deposit subscription request information, the server may include the deposit subscription request information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received deposit subscription information.

Alternatively, when the deposit subscription request information received through the information receiving unit 1215 further includes a predetermined OTP code for checking the validity of the deposit subscription request information, the server is included in the deposit subscription request information. It is preferable to authenticate the validity of the received deposit subscription application information by comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to the implementation method of the present invention, the validity confirmation of the deposit subscription information is registered at least one or more ledger information matching the deposit subscription application information in the ledger D / B on the financial system linked to the fund linked account opening system It is preferable to include checking whether it is done.

For example, the validity confirmation of the deposit subscription request information includes the information on the financial system in which the customer information (customer personal information, member information, etc.) is linked to the fund linked account opening system among the information included in the deposit subscription request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the deposit information that the customer wants to join the fund selected through the information registration system shown in Figure 1 or 3 It is preferable to include a check that matches with the deposit information to be linked.

In addition, the validity confirmation of the deposit subscription application information is the information contained in the deposit subscription application information, the fund information linked to the deposit that the customer wants to subscribe through the information registration system shown in FIG. It is preferable to include a check that matches with the selected fund information.

If the validity of the deposit subscription application information is not authenticated (1435b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1440b), and the procedure for opening the fund linked account is performed. Do not perform.

On the other hand, if the validity of the deposit subscription request information is authenticated (1435b), the server generates predetermined document content including at least one or more subscription target deposit information including the deposit subscription request information (1445b), and the document A predetermined fund linked account electronic document including the content is generated (1450c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and includes a document file (eg, PDF) containing the document content. (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or web document files including MHT, etc.) It is desirable to process the fund linked account electronic documents for opening.

Alternatively, the server generates document content including at least one subscription target deposit information included in the received deposit subscription request information, and at least one of the subscription target deposit information included in the deposit subscription request information in the document content. After the above information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document content including the watermarking. Or a word processor file including at least one or the like, or a web document file including the MHT, etc.), as a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). It is preferable to process an image file including the image content captured on the screen) as a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). An image file including the image content including the watermarking after including at least one or more pieces of information of the target deposit information included in the deposit subscription application information in a watermarking method in the image content captured and generated on the image content); It is preferable to process the fund linked account electronic document for opening a financial account linked to the specific fund.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the document content. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). By generating one or more word processor files, or web document files including MHT), it is preferable to process them as a fund linked account electronic document for opening a financial account linked to the specific fund.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). Image content generated by capturing the image on the image content including the at least one or more information of the target deposit information included in the deposit subscription application information by a watermarking method, and the image content including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it will be processed as a fund linked account electronic document for opening a financial account linked to the specific fund It is desirable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more target deposit information included in the received deposit information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing content (e.g., image content generated by capturing the document content on a memory) and the deposit subscription information; Or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process it as a fund linked account electronic document for opening a financial account linked to the specific fund. Do.

Alternatively, the server generates document content including at least one or more subscription target deposit information included in the received deposit subscription information, and captures the image content (eg, the document content in memory). Image content generated by capturing the image on the image content including the at least one or more information of the target deposit information included in the deposit subscription application information by a watermarking method, and the image content including the watermarking. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the deposit subscription request information, or an MHT. To create a financial account linked with the specific fund. It is desirable to process electronic documents into account.

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

Thereafter, the server stores the generated fund linked account electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 12, the electronic document repository is provided externally including a predetermined electronic document server 1255 and an electronic document D / B linked to a server on the fund linked account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated fund linked account electronic document to the electronic document server 1255 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the fund linked account opening system, the server stores the generated fund linked account electronic document on the DBMS provided in the fund linked account opening system. It is possible to store in the electronic document D / B corresponding to the present invention, thereby not limited.

According to an embodiment of the present invention, the storing of the fund linked account electronic document in the electronic document storage may be performed by linking the generated fund linked account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the fund linked account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund linked account electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the deposit subscription request information), financial institution information transmitting the fund linked account electronic document, or electronic document. File format information, or the deposit subscription application information).

If the fund linked account electronic document is stored in the electronic document repository (1460c), the server generates the financial account information based on the subscription target deposit information included in the deposit subscription application information (1465c).

Herein, the financial account information may include an account number and an interest rate information corresponding to the fund linked account opened based on the deposit subscription application information, and when the fund linked account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information on the basis of the subscription target deposit information included in the deposit subscription information in connection with the financial system (1470c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the deposit subscription application information. And a process of opening a predetermined financial account for opening a financial account linked with the system.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates fund linked account operation information including at least one of the customer information and the subscription target deposit information included in the deposit subscription request information and stores the fund linked account operation information in a predetermined storage medium 1250 (1475c).

According to an exemplary embodiment of the present invention, when the storage medium 1250 is provided in the server or on a network associated with the server, the server may include the customer information included in the received deposit subscription information. It is preferable to store the fund linked account management information including at least one subscription target deposit information in the storage medium (1250).

According to another exemplary embodiment of the present invention, when the storage medium 1250 is provided in a DBMS provided on a financial system, the server stores the customer information and the target deposit information included in the received deposit subscription information. It is preferable to provide at least one or more fund-linked account management information including at least one of the funds linked to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Subsequently, the server registers the financial account opening history information (eg, the fund linked account opening history, or the details of storing the fund linked account electronic document in the electronic document storage, or the storage medium 1250). History of storing the application information) is generated (or extracted) and transmitted to the terminal (1480c).

According to an embodiment of the present invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the fund linked account opening system (or linked with the fund linked account opening system). In this case, the storage medium 1250 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1250 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on the fund linked account opening system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

15 is a diagram illustrating a fund linked account operating system linked with a specific fund according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates the operation of a fund linked account established through the fund linked account opening system shown in FIG. 5 or 12 based on the fund linked account operation information stored in the storage medium 1535. The present invention relates to a system for achieving an account operation linked with the present invention, and those skilled in the art to which the present invention pertains, refer to or modify this drawing 15, and refer to a fund linked account operation system for interworking with the specific fund. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the fund linked account operating system may include a financial system equipped with a ledger corresponding to a fund linked account opened through a fund linked account opening system illustrated in FIG. 5 or 12. And a storage medium 1535 for storing the fund linked account operation information including at least one subscription target deposit information, and the fund linked account in connection with the financial system, wherein the fund linked account is operated in the storage medium 1535. Periodically checking the stored fund linked account management information characterized in that it comprises a financial account management server 1500 for account management linked to the specific fund.

Here, the storage medium 1535 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the financial account management server 1500 is a ledger server provided in the financial system, or a financial company server on the fund linked account opening system shown in FIG. 5 or 12, or as shown in FIG. 5 or 12. Various banking servers (e.g., an internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) that operate the fund linked account in connection with the established financial system, or an account linked with the specific fund. It may be a separate server provided to achieve the operation, whereby the present invention is not limited.

In addition, in FIG. 15, the financial account management server 1500 functions to operate the fund linked account in connection with the financial system, and periodically checks the fund linked account management information stored in the storage medium 1535. By including all of the functional configuration to achieve the account management in conjunction with the specific fund, but the present invention is not limited by this, the financial account management server 1500 is a separate server for each functional configuration ( Or device).

The financial system is a general term for a computerized system in which a ledger corresponding to the fund linked account opened through the fund linked account opening system shown in FIG. 5 or 12 is basically used. At least one window terminal provided in the) and a predetermined financial network (for example, through the network), characterized in that connected to, through the window terminal provides at least one financial transaction service face-to-face financial services for customers. do.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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

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

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

Referring to FIG. 15, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, customer information, or management information, etc.) required to perform each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database to be managed.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

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. (E.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine or supplement the attributes / functions of each ledger) It is characterized in that the cooperative process is stored.

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 stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

The storage medium 1535 is a generic term for storage means for storing the fund linked account operation information including at least one or more of the subscription target deposit information through the fund linked account establishment system shown in FIG. 5 or 12. The storage medium 1535 may be provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or on at least one banking system according to the intention of the skilled person. All is possible.

The subscription target deposit information preferably includes fund information selected to interwork with the deposit to be subscribed to by the customer through the information registration system shown in FIG. 1 or 3 and deposit amount information of the customer.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the fund linked account opening system in response to the customer It is preferable to make it.

Referring to FIG. 15, the financial account management server 1500 may link at least one client terminal and the fund to operate a fund linked account established through the fund linked account opening system illustrated in FIG. 5 or 12. An interface unit 1505 for connecting a communication channel for account operation, and an information receiver 1525 for receiving predetermined financial account use information for operating the fund linked account from the customer terminal in association with the interface unit 1505 And a financial account operating unit 1510 for operating the fund linked account in connection with the financial system based on the received financial account usage information, and operating the financial account according to the intention of a person skilled in the art. The unit 1510 may be composed of at least two or more functional components (or means) in more detail, whereby the present invention It shall not be limited.

According to an embodiment of the present invention, when the customer terminal is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1505 may be connected to the employee terminal based on the protocol stack defined in the communication network. A communication interface connecting a predetermined communication channel and transmitting and receiving at least one information (or data) for operating the employee terminal and the fund linked account using a communication protocol defined in a financial transaction program provided in the employee terminal; It is desirable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 1505 may be connected with the customer terminal based on the protocol stack defined in the wired communication network. A communication interface for connecting and transmitting at least one information (or data) for operating the fund linked account with the wired terminal using a communication protocol defined in a financial transaction program provided in the customer terminal. It is desirable to.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1505 connects a communication channel with the customer terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a predetermined web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the fund linked account using the HTTP protocol defined in the browser program. do.

Alternatively, when the customer terminal is provided with a predetermined financial transaction program directly interworking with the financial account management server 1500, the interface unit 1505 establishes a communication channel with the customer terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for operating the fund linked account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1505 may be connected to the customer terminal based on a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface connecting a predetermined communication channel and transmitting and receiving at least one or more information (or data) for operating the fund linked account using a communication protocol defined in a financial transaction program provided in the customer terminal. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1505 communicates with the customer terminal based on the CDMA / WCDMA protocol. And a predetermined web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) or information for operating the fund linked account using the WAP / ME protocol defined in the browser program. Or data).

Or, if the customer terminal is provided with a predetermined financial transaction program directly interworking with the financial account management server 1500, the interface unit 1505 establishes a communication channel with the customer terminal based on the CDMA / WCDMA protocol. And a communication interface for transmitting and receiving information (or data) for operating the fund linked account using a communication protocol defined in the financial transaction program.

The information receiving unit 1525 receives the predetermined financial account usage information for operating the fund linked account from the customer terminal in connection with the interface unit 1505, wherein the received financial account usage information is Provided to the financial account manager 1510.

The financial account manager 1510 may perform various financial transaction procedures for the fund linked account in connection with the financial system based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the fund linked account, the financial account The management unit 1510 preferably performs a deposit transaction procedure for the fund linked account based on the financial account usage information, and transfers the deposit transaction details to a ledger corresponding to the fund linked account. It is desirable to record.

According to another embodiment of the present invention, withdrawal transaction request information (for example, deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the fund linked account) is included in the financial account use information. If included, the financial account management unit 1510 preferably performs a withdrawal transaction (or transfer transaction) procedure for the fund linked account based on the financial account usage information, and withdraws the funds. It is preferable to record the transaction details in the ledger corresponding to the fund linked account.

In addition, the financial account manager 1510 periodically checks the amount deposited in the fund linked account, and interest (or proceeds) on the deposit amount according to the interest rate (or yield) corresponding to the fund linked account. It is preferable to calculate a, deposit the calculated interest (or proceeds) into the fund linked account, and record the interest (or proceeds) deposit details in the ledger corresponding to the fund linked account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to FIG. 15, the financial account management server 1500 may operate the fund linked account in association with the financial system for the financial account manager 1510 to operate an account linked with the specific fund. An information verification unit 1520 for identifying a principal amount, an interest amount, and an option purchase amount corresponding to deposit information included in the fund linked account management information in connection with the storage medium 1535; And an information verification unit 1515 for identifying a hedging institution for operating the fund linked account based on the identified principal amount, interest amount, and option purchase amount. The financial account management unit 1510 includes: Transfer the principal amount, interest amount and option purchase amount and fund information corresponding to the confirmed deposit information to the hedge institution, and hedge trading from the hedge institution Receiving the details, and operating the fund linked account through the received hedge trading details.

The information checking unit 1520 is the storage medium 1535 while the financial account manager 1510 operates the fund linked account in association with the financial system and the hedge institution to operate an account linked to the specific fund. And the principal amount, interest amount and option purchase amount and fund information corresponding to the deposit information included in the fund linked account management information, and the identified principal amount, interest amount and option purchase amount. And fund information to the financial account manager 1510.

The information checking unit 1515 identifies a hedge institution for operating the fund linked account based on the identified principal amount, interest amount and option purchase amount in connection with the financial system. The institution information is provided to the financial account manager 1510.

The financial account manager 1510 may provide the principal amount, interest amount and option purchase amount and fund information corresponding to the confirmed deposit information from the information verification unit, and if the hedge institution information is provided, the provided principal amount and interest. The amount and option purchase amount and fund information is transmitted to the hedge institution, and the hedge trading details are received from the hedge institution, and the fund linked account is operated through the received hedge trading details.

In addition, the financial account management server 1500 notifies the customer of the rate of return generated through the operation of the fund linked account based on the hedge trading history, and also the rate processing unit 1530 to process the deposit to the customer account It is characterized in that it further comprises.

Referring to FIG. 15, the illustrated hedge agency server 1540 is connected to the financial account management server 1500 through a predetermined communication network, and the principal amount of money corresponding to the deposit information transmitted from the financial account management server 1500. Receiving interest, option purchase amount and fund information, and performing hedge trading by performing corresponding option transactions based on the present price, exercise price, risk interest rate, maturity information, volatility information, etc. according to the received fund information. It characterized in that to perform, and provides the hedge trading performance history to the financial account management server 1500.

According to an exemplary embodiment of the present invention, the hedge support server performs an option transaction (eg, a call option transaction) corresponding to an interest amount provided from the financial account management server 1500 in connection with a predetermined fund management institution. It features.

According to an embodiment of the present invention, in performing the option transaction corresponding to the interest amount based on the fund information in the hedge institution server 1540, among the current price, exercise price, risk rate, maturity information, volatility information A delta value is calculated using at least one factor, and hedge trading is performed using the calculated delta value.

According to an exemplary embodiment of the present invention, the hedge institution server 1540 has the same form as the fund linked to the deposit (eg, maintains the same share and transfer ratio), and hedges using a private equity fund without a repurchase fee. It is characterized by performing trading.

As is known, the delta used in the trading is the movement of the option price with respect to the movement of the atomic price, and the amount of hedge ratio (eg, ONA (Option Notional Amount) and UF (Underlying Fund) when hedge trading according to the present invention) Etc.), and for this purpose, the hedge engine server 1540 is preferably adjusted by trading the delta to the same period as the maturity of the fund linked deposit according to the present invention.

According to another exemplary embodiment of the present invention, when the hedging institution server 1540 performs an option transaction corresponding to the interest amount based on the fund information, when the delta value is calculated as described above, the calculated delta value It is characterized by performing an option transaction using a gamma value calculated by differentiating.

In general, changes in the T stock market are announced as Net Asset Value (NAV) on the morning of T + 1, which hedge traders calculate deltas to place private equity funds in order to set up and terminate private equity funds. The fund manager of the privately held fund that placed the order places an order on the stock market on T + 2 days, and in the course of applying it to the present invention, the hedge trader calculates the delta one day after the stock market closes, Since a problem occurs due to a time delay between two days of closing, this reduces the accuracy of the hedge trading, causing the option price to be expensive.

To this end, the calculated gamma is applied, where gamma is preferably used as the hedge ratio for the change in the delta with respect to the movement of the atomic price in performing hedge trading using the delta.

delete

delete

According to the present invention, when the expiration of the expiration, the principal of the deposit is guaranteed, and some or all of the interest to be paid in the future can be invested in derivatives linked to the base price of the fund or the fund basket to seek high profits.

Claims (5)

Fund information linked to deposit products in the financial institution server-fund name, rate of return, management institution information-and deposit product information for fund linked deposit products designed to link with one or more of the funds information-deposit name, subscription period, subscription Storing the amount of money in association with the storage medium; When a deposit subscription request information regarding a deposit product corresponding to any one of the stored deposit product information is received from a terminal of a customer, opening a financial account under a client name corresponding to the fund linked deposit product at a financial institution server; Confirming fund information linked to the deposit product through the storage medium and checking the principal amount and the interest amount of the financial account when the interest is paid on the principal deposited in the financial account at the financial company server; Transmitting, at a financial institution server, the fund information, the principal amount, the interest amount, and an option purchase amount to hedge the interest paid in association with the fund to a hedge institution server; Calculating, by a hedge agency server, a delta value-a rate of change of an option price to a change in the price of an original asset-using at least one of the current price, exercise price, risk rate, maturity information, and volatility information of the fund information; And Determining, by a hedge engine server, a gamma value calculated by differentiating the delta value, the amount of change of the delta value, as a hedge ratio with respect to the interest amount; And And performing an option transaction through the option purchase amount on the basis of the hedge ratio in a hedge institution server. delete delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the system that manages the deposit products linked to the fund in the financial institution server, Fund information linked to deposit products-fund name, rate of return, manager information-and deposit product information for fund-linked deposit products designed to link with one or more of the funds-deposit name, subscription period, subscription amount, etc. Information storage means for storing in a storage medium in association with; Account opening means for opening a financial account in a client's name corresponding to a fund linked deposit product corresponding to any one of the stored deposit product information; Information verification means for confirming fund information linked to the deposit product through the storage medium, and confirming a principal amount and an interest amount of the financial account; The delta value-the percentage change in the option price to the change in the price of the original asset-is calculated through one or more of the present price, exercise price, risk rate, maturity information, and volatility information of the fund information, and the derivative of the delta value And a hedge transaction means for performing an option transaction using the calculated gamma value-the amount of change in the delta value as a hedge ratio of the interest amount.

Images