KR100982292B1 - System and Method for Processing Financial Goods Investment Linked Goods Buying and Program Recording Medium - Google Patents

Abstract

The present invention relates to a financial product investment processing method and system and a program recording medium therefor according to a product purchase, the financial product investment processing method according to the product purchase according to the present invention, for investment in financial products of tangible and intangible product sales amount Storing product sales amount investment information including at least one of tangible and intangible product information, sales amount investment condition information, and profit distribution condition information in a storage medium, customer information of a customer who purchased the product from a terminal, and unique information of a purchased product Receiving financial product investment agreement information including at least one of the at least one financial information; and obtaining information about producers of tangible or intangible products (or sellers or mediators) corresponding to the purchase product specific information included in the financial product investment agreement information in association with the storage medium. Confirming and receiving the prize as the identified product producer (or seller or intermediary). Providing financial product investment agreement information of a product purchase customer, and the product producer (or seller) investing a portion of the product sales amount corresponding to the provided financial investment agreement information.

Tangible, commodity, purchasing, finance, commodity, investment

Description

System and Method for Processing Financial Goods Investment Linked Goods Buying and Program Recording Medium}

1 is a view showing an information registration system for investment in financial products of tangible and intangible product sales amount according to another embodiment of the present invention.

2 is a diagram illustrating a process of registering product sales amount investment information for investment in financial products of tangible and intangible product sales amount according to one embodiment of the present invention.

3 is a diagram illustrating a system for registering product specific information in a face-to-face manner for investment in financial products of tangible and intangible product sales amounts according to one embodiment of the present invention.

4 is a diagram illustrating a process of registering financial product investment agreement information according to an embodiment of the present invention.

5 is a view showing a product specific information registration system for investment in financial products of tangible and intangible product sales amount according to another embodiment of the present invention.

6 is a diagram illustrating a process of registering financial product investment agreement information for investment in financial products of tangible and intangible product sales amounts according to one embodiment of the present invention.

FIG. 7 is a diagram illustrating a face-to-face financial product subscription system for investment in financial products of a product sales amount according to one embodiment of the present invention.

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

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

FIG. 10 is a diagram illustrating an implementation method including a DBMS provided in a banking server, the storage medium storing financial product investment history information corresponding to a financial product subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. .

11A and 11B illustrate a financial product subscription processing process for investment in financial products of a product sale price in a face-to-face manner according to one embodiment of the present invention.

12A and 12B are diagrams illustrating a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

13A and 13B are diagrams illustrating a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a non-face-to-face financial product subscription system for investment in financial products of a product sale amount according to another embodiment of the present invention.

FIG. 15 is a diagram illustrating an implementation method in which a storage medium storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

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

FIG. 17 is a diagram illustrating an implementation method including a DBMS provided in a banking server, the storage medium storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. to be.

18A and 18B are diagrams illustrating a financial product subscription processing process for investment in financial products of a product sale price in a non-face-to-face manner according to one embodiment of the present invention.

19A, 19B, and 19C are diagrams illustrating a financial product subscription process for investment in financial products of a product sale amount according to one embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: storage medium

The present invention comprises the steps of storing the product sales amount investment information including at least one of tangible and intangible product information, sales amount investment condition information, profit distribution condition information for the investment in financial products of the sales amount of tangible and intangible products, and the terminal from the terminal; Receiving financial product investment agreement information including at least one of customer information of a customer who has purchased a product and unique information of a purchased product, and the purchase product unique information included in the financial product investment agreement information in association with the storage medium; Identifying corresponding tangible and intangible commodity producer (or seller or mediator) information, providing the identified commodity producer (or seller or intermediary) with the financial product investment consent information of the purchaser of the commodity and the commodity producer (or Seller) the portion of the product sales amount corresponding to the financial investment agreement information provided above It relates to financial products investment processing method according to the product purchased, comprising investment goods.

The development of information technology has led to a quantum leap in electronic commerce, but there is still an off-line commerce, and it is time to find ways to attract such off-line commerce customers.

In addition, tangible and intangible product sellers develop services that benefit both the product seller and the customer while providing more interest to the customer rather than giving the customer simple benefits (eg, earning points, miles, etc.). It's time to do it.

An object of the present invention for solving the above problems, the product sales amount investment information including one or more intangible product information, sales amount investment condition information, profit distribution condition information for investment in financial products of the sales amount of tangible and intangible products to the storage medium If the storage means for storing, financial product investment agreement information including one or more customer information of the customer who purchased the product, the purchase product unique information from the terminal is received, included in the financial product investment agreement information in association with the storage medium A relay means for confirming information of the intangible / intangible goods producer (or seller or mediator) corresponding to the purchased goods unique information, and providing the financial product investment consent information of the customer who purchases the goods to the identified goods producer (or seller or intermediary); In response to the financial investment agreement information provided at the request of the product producer (or seller) It is a financial instrument investment processing system according to some of the goods sold in the amount of goods purchased, including the financial instruments registering means to invest in providing financial products.

Financial product investment processing method according to the product purchase according to the present invention, product sales amount investment information including at least one of tangible and intangible product information, sales amount investment condition information, profit distribution condition information for investment in financial products of the sales amount of tangible and intangible products Storing the information in a storage medium, receiving the financial product investment agreement information including at least one of customer information of a customer who purchased the product and unique product information from a terminal, and connecting the storage medium with the financial medium. Confirming information of the producer of the intangible or intangible product corresponding to the purchase product unique information included in the product investment agreement information, and investing the financial product of the customer who purchases the product as the identified product producer (or seller or intermediary); Providing consent information and providing the financial information to the product producer (or seller) And investing a portion of the product sales value corresponding to the automatic information.

According to the present invention, the step of the product producer (or seller) investing a portion of the product sales amount corresponding to the financial investment agreement information provided, the financial product in accordance with the sale price investment condition information stored in the storage medium; It is characterized by investing.

On the other hand, the present invention includes a computer-readable recording medium characterized in that the program for executing the financial product investment processing method according to the product purchase described above is recorded.

On the other hand, the financial product investment processing system according to the product purchase according to the present invention, investment in product sales amount including one or more intangible product information, sales amount investment condition information, profit distribution condition information for investment in financial products of the sales amount of tangible and intangible products Storage means for storing the information in a storage medium, and financial product investment agreement information including one or more customer information of a customer who purchased the product and unique product information of the customer who purchased the product from the terminal; Financial product investment agreement information of the customer purchasing the product as the identified product producers (or sellers or intermediaries) by confirming the information of the tangible or intangible product producers (or sellers or intermediaries) corresponding to the unique information of the purchased goods included in the product investment agreement information. The provided financial investment at the request of the relay means for providing and the product producer (or seller) And a financial product subscription means for investing a portion of the product sales value corresponding to the automatic information.

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 servers (or terminals) different 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 showing an information registration system for investment in financial products of tangible and intangible product sales amount according to another embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer (e.g., a product producer, a product seller, a product broker, etc.) is provided with an information registration system through a predetermined information registration interface for investment in financial products of the sales amount of the tangible and intangible goods, using the information registration system, If the product sales amount investment information including at least one sale amount investment condition information and the profit distribution condition information is provided, the information registration system may include the tangible and intangible product information and sale amount investment condition information included in the provided product sale amount investment information. , Which relates to a system configuration for linking the profit distribution condition information and storing the received distribution condition information in a predetermined storage medium 125, and has a general knowledge in the art to which the present invention pertains. Various implementation methods for information registration system for investment of financial products It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing product sales price investment information provided from the customer on the storage medium 125 via a predetermined information registration interface on the information registration system shown in FIG. The component is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the information registration system for investment in financial products of the sales amount of tangible and intangible products includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. And an information registration terminal including the information registration terminal, wherein the information registration terminal is connected to the information registration server 100 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 100 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 product sales amount investment information for investment of the financial product of the tangible and intangible product sales amount is input (or selected) through at least one user interface provided by the registration server 100, the client terminal receives the information through the predetermined network means. It is preferable to transmit to the information registration server 100 provided on the information registration 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 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 A wireless device connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

The network means for connecting the client terminal and the information registration server 100 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 100, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, 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 customer, and at least one wired communication network or wireless connecting the client terminal and the information registration server 100. The communication network performs a function of an information registration interface for registering, by the customer, commodity sales amount investment information including tangible and intangible commodity information, sales amount investment condition information, and profit distribution condition information for investment in the financial product of the sales amount of the tangible and intangible products. .

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the 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 call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) connect the information registration server 100. A wired telephone network or a wireless telephone network performs a function of an information registration interface for the customer to register product sales amount investment information for investment in financial products of the tangible and intangible product sales amount, or is affiliated with the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution, a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 100. The product sales amount including the tangible product information, sales amount investment condition information, profit distribution condition information for the customer to invest the financial product of the sale amount of the tangible and intangible products It performs the function of the information registration interface for registering the party information.

The storage medium 125 provided on the information registration system according to the present invention stores the tangible and intangible product information, the sale price investment condition information, and the profit distribution condition information included in the product sale price investment information provided from the information registration terminal. And storing at least one commodity information, sales amount investment condition information, and profit distribution condition information stored in the storage medium 125. The investment information is used for investment in financial products of the sales amount of the tangible and intangible products.

The tangible and intangible product information may include one or more of a product name, a product type, a price, a producer-specific information, a seller-specific information, and a product unique number (or code) for the tangible and intangible product in which all (or part) of the sales amount is automatically invested in a specific financial product. It is preferable to comprise.

The sale price investment condition information may include one or more of the amount sold (or percentage of investment amount), investment period, investment target financial product, investment limit, etc., when the tangible and intangible products are sold. It is preferable to comprise.

The profit distribution condition information may be obtained by participating in the investment (or agreeing) the generated profit when the tangible or intangible product is sold and a part of the selling amount is invested in a predetermined financial product, and then a profit is generated according to the operation of the financial product. It is preferable to include one or more of a profit distribution ratio (%), a distribution period, a distribution method (for example, an account registered by a customer), and the like, for distribution to a customer who purchases the tangible or intangible product.

According to one embodiment of the invention, the storage medium 125 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 125 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, and the present invention is not limited thereto.

The information registration server 100 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 thus 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 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 105 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 105 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 information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another 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 105 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 105 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, IC chip-based program) provided by the information registration server 100, the interface unit 105 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 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 105 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 105 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. .

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 provider 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined product sales amount investment information from the information registration terminal to provide the information registration terminal with the information registration terminal; And an information receiving unit 115 which receives investment information of a predetermined product sale amount inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105, and the received product sale. The information for storing the tangible and intangible product information, the selling price investment condition information, and the profit distribution condition information included in the amount investment information are stored in a predetermined storage medium 125. Characterized in that formed by a storage unit (120).

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 capable of inputting (or selecting) product sales amount investment information and transmitting it to the information registration server 100 through the network means, or extracting from a predetermined database (not shown). And the user interface generated (or extracted) in cooperation with the unit 105 to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the product sales amount investment information including at least one of the tangible and intangible product information, the sales amount investment condition information, and the profit distribution condition information based on the user interface. Or) transmits the selected product sales amount investment information to the information registration server 100 through the 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 110 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 105.

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 providing unit 110 is 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 105.

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 110 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 105. It is preferable.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the merchandise sales amount investment information to the information registration terminal and transmitting the investment information to the information registration server 100 through the network means. If the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, thereby the present invention is not limited.

The information receiving unit 115 inputs (or selects) product sales amount investment information including at least one of tangible and intangible product information, sales amount investment condition information, and profit distribution condition information through the user interface at the information registration terminal. When transmitting through a network means, it is characterized in that the product sales amount investment information is received in conjunction with the interface unit 105, and provides the received product sales amount investment information to the information storage unit 120.

The information storage unit 120 stores the storage medium 125 by linking the tangible and intangible product information, the selling price investment condition information, and the profit distribution condition information included in the product selling price investment information. When the storage medium 125 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 merchandise sales amount investment information. It is preferable that the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information included in the storage medium 125 are stored in a linked process.

2 is a diagram illustrating a process of registering product sales amount investment information for investment in financial products of tangible and intangible product sales amount according to one embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the information registration server 100 on the information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 100 to connect the communication channel for information registration according to the present invention, the information type, intangible product information, sales amount investment condition information, profit distribution to the information registration server 100 through the communication channel When the product sales amount investment information including condition information is transmitted, the information registration server 100 links the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information included in the received product sales amount investment information. The present invention relates to a method of processing and storing the same in a predetermined storage medium 125. If it is a pendulum, it is possible to infer various implementation methods for registering the product sales amount investment information from the client terminal to the information registration server 100 by referring to or modifying the present invention, but the present invention is inferred from all It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the information is registered in the client terminal. The tangible and intangible product information, sales amount investment condition information, and profit distribution condition information transmitted to the server 100 are referred to as "product sale amount investment information" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through the communication network or the IEEE 802.16x-based mobile Internet, etc. to register the investment information of the product sales amount, and selling the product for the financial product investment of the sales amount of the tangible or intangible product. When requesting the amount investment information registration (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the product sales amount investment information (205), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface inputs (or selects) product sales amount investment information including at least one of the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information. It is preferred to include a user interface.

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

Thereafter, the terminal inputs (or selects) product sales amount investment information including at least one or more tangible and intangible product information, sales amount investment condition information, and profit distribution condition information through the information registration interface (215).

If the terminal inputs (or selects) product sales amount investment information including the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information through the information registration interface (220), the terminal receives the communication channel. The input (or selected) through the inputted (or selected) information, sales amount investment condition information, revenue distribution condition information is transmitted to the server (225).

According to the exemplary embodiment of the present invention, transmitting the input (or selected) tangible or intangible product information, sales amount investment condition information, and profit distribution condition information to the server through the communication channel is input through the information registration interface ( Alternatively, the method may further include transmitting the selected product sales amount investment information to the server by digitally signing or encrypting the security information provided in the terminal.

Thereafter, the server receives and reads the tangible and intangible product information, the selling price investment condition information, and the profit distribution condition information through the communication channel to check the validity of the selling price investment information 230.

According to an embodiment of the present invention, checking the validity of the product sales amount investment information may include investing the product sales amount if the product sales amount investment information is electronically signed or encrypted through a security module provided in the terminal. Decoding the information, or may further comprise decoding the product sales amount investment information.

If the validity of the product sales amount investment information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240), and the product sales amount investment information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the product sales amount investment information is authenticated (235), the server performs the information registration procedure corresponding to the product sales amount investment information, the tangible and intangible product information, sales amount investment condition information, profit distribution The condition information is cooperatively stored and stored in the predetermined storage medium 125 (245).

According to one embodiment of the invention, the storage medium 125 is preferably provided in a DBMS provided on the information registration system or a DBMS on a financial system associated with the information registration system.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (250), thereby completing the procedure of registering the investment information of the merchandise sales amount transmitted from the terminal.

3 is a diagram illustrating a product-specific information registration system in a face-to-face manner for investment in financial products of the sales amount of tangible and intangible products according to one embodiment of the present invention.

In more detail, in Figure 3, a customer who purchases a certain tangible or intangible product at least one of customer information and unique product information for investing the financial product of the sale amount of the tangible and intangible product through a specific information registration interface through a specific information registration interface. If the financial product investment agreement information is included, the product-specific information registration system stores the stored information in a predetermined storage medium 340 by linking and processing the customer information and purchase product unique information included in the provided financial product investment agreement information. And confirming the tangible or intangible product producer (or seller) information corresponding to the financial product investment agreement information, and providing the financial product investment consent information to the identified tangible or intangible product producer (or seller), Those skilled in the art to which the present invention pertains may refer to or modify this drawing. It will be possible to infer various implementation methods for the configuration of the product specific information registration system for investment in financial products of tangible and intangible product sales amount, the present invention includes all the implementation methods inferred, the implementation method shown in Figure 3 It is not limited to only.

Hereinafter, the financial product investment agreement information provided from the customer through a predetermined information registration interface on the product specific information registration system shown in FIG. 3 is stored in the storage medium 340 and corresponds to the financial product investment agreement information. "Relaying the components corresponding to at least one means or functional configuration for conveniently providing the financial product investment consent information to the identified tangible and intangible product producers (or sellers) by checking the tangible and intangible product producers (or sellers) information. Server 300 ".

Referring to FIG. 3 according to an embodiment of the present invention, a product-specific information registration system for investment in financial products of the sales amount of the tangible and intangible products may include at least one tangible or intangible product sales institution (or tangible or intangible product production organization or intangible or intangible product sales) A specific organization affiliated with a production) organization) an information registration terminal including a teller terminal provided at the main store (or a branch), wherein the information registration terminal registers the product specific information through a predetermined network. The communication channel is connected to the relay server 300 provided on the system.

According to an exemplary embodiment of the present invention, after the customer purchases the tangible and intangible products, the customer may purchase the tangible and intangible product selling institution (or the tangible and intangible product producing organization or the tangible and intangible product selling (production) institution) for the investment of the financial product of the sale amount of the tangible and intangible products. Visit a main office (or branch) affiliated with a company, and provide a counter provided at the main store (or branch) with the tangible or intangible product sales organization (or the tangible or intangible product production organization or the tangible or intangible product sales or production organization). A prescribed application for investing in a financial instrument for the sale of tangible or intangible merchandise (e.g., a document with a form for filling in at least one information item for investment in the financial instrument for the sale of tangible or intangible merchandise) After completing and submitting the completed application to the counter staff, the counter staff fills in the application through a predetermined counter terminal. It is preferable to input (or select) information, and the window terminal transmits the input (or select) information to the relay server 300 provided on the product specific information registration system through the network.

Here, the teller terminal comprises a manager terminal used by the teller staff provided at the head office (or branch) branch of the tangible or intangible merchandise sales organization (or a specific institution affiliated with the tangible or intangible merchandise production organization or tangible or merchandise sales or production). Preferably, the network connecting the window terminal and the relay server 300 preferably comprises a dedicated network connecting the communication channel between the window terminal and the relay server 300.

In the product specific information registration system as described above, the application that the customer purchases the tangible and intangible goods, and the network that connects the teller terminal and the teller terminal and the relay server 300 to be used by the teller are the customer's tangible and intangible. It performs a function of an information registration interface for registering financial product investment agreement information for investment in financial products of product sales amount.

The storage medium 340 provided on the product specific information registration system according to the present invention performs a predetermined process by linking the customer information and the purchased product unique information included in the financial product investment agreement information provided from the information registration terminal. The storage medium 340, characterized in that for storing, the financial product investment agreement information including at least one or more of the customer information, the purchase product unique information stored in the storage medium 340 is the financial product investment of the sales amount of the tangible and intangible products To be used.

The customer information includes the name, telephone number (cell phone number), address, resident registration number of the customer who purchased the tangible and intangible products, and the customer is affiliated with the tangible and merchandise sales organization (or tangible and merchandise production or production and sale). In the case of a member subscribed to an online site operated by a specific institution, it is preferable to include a member ID.

The purchase product unique information is a product name, product type, price, producer-specific information, seller-specific information, for the tangible or intangible product that all (or part) of the sales amount generated by the customer's product purchase is automatically invested in a specific financial product, It is preferable to include one or more product unique number (or code).

According to an embodiment of the present invention, the storage medium 340 is preferably provided in a DBMS provided on the product specific information registration system or a DBMS on a financial system linked to the product unique information registration system. The present invention is not limited.

The relay server 300 provided on the product unique information registration system according to the present invention is a generic term for the components of the product unique information registration system connected to the information registration terminal through a predetermined 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 the method of the present invention, the relay 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.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined network, the interface unit 305 may establish a communication channel with the window terminal based on a protocol stack defined in the network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using a communication protocol defined in the information registration related program provided in the window terminal.

Referring to FIG. 3, the relay server 300 connects a communication channel with the relay server 300 through the interface unit 305 and then interworks 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 financial product investment consent information from the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined financial product investment agreement information which is input (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the unit 305, and the received financial product investment agreement information; The validity check unit 320 for checking the validity and the customer information contained in the financial product investment agreement information confirmed the validity, the purchase product unique information opened Processing is characterized in that formed by having an information storage unit 330 for storing a predetermined storage medium (340).

The interface provider 310 connects a communication channel with the relay server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the function configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) product investment consent information and transmit it to the relay server 300 through the network, or extract from a predetermined database (not shown), and the interface unit 305 And the user interface generated (or extracted) to the information registration terminal through the network.

According to another exemplary embodiment of the present invention, predetermined information including at least one user interface for inputting (or selecting) the financial instrument investment agreement information to the relay server 300 through the network is transmitted to the information registration terminal. 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.

Subsequently, the information registration terminal inputs (or selects) financial product investment agreement information including at least one of the customer information and purchase product specific information based on the user interface, and inputs (or selects) the financial product investment. The agreement information is transmitted to the relay server 300 through the network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined network, the interface providing unit 310 provides a predetermined user interface that can be provided by an information registration related program included 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 305.

When the information receiving unit 315 inputs (or selects) financial product investment agreement information including at least one of customer information and purchase product unique information through the user interface, the information registration terminal 315 transmits the information through the network. The financial product investment agreement information is received in connection with an interface unit 305, and the received financial product investment agreement information is provided to the validity confirming unit 320.

The validity confirming unit 320 checks whether the financial product investment agreement information received from the information registration terminal satisfies the validity for the financial product investment of the tangible and intangible product sales amount.

According to an exemplary embodiment of the present invention, the validity of the financial product investment agreement information may include at least one or more tangible and intangible product information matching the financial product investment agreement information in a storage medium 125 associated with the product specific information registration system. It is preferable to include checking whether it is registered.

For example, checking the validity of the financial product investment agreement information is whether the unique product information included in the financial product investment agreement information matches the tangible and intangible product information stored in the storage medium 125 associated with the product specific information registration system. It is preferable to include checking.

When the validity of the financial product investment agreement information is confirmed, the information storage unit 330 processes the customer information and purchase product unique information included in the financial product investment agreement information to store in the storage medium 340. Characterized in that, when the storage medium 340 is provided in the relay server 300 or on the network associated with the relay server 300, the information storage unit 330 is the received financial Preferably, the storage medium 340 is stored in the storage medium 340 by integrating customer information and purchase product specific information included in the product investment agreement information, and the storage medium 340 is provided in a DBMS provided on a financial system. The information storage unit 330 is provided on the financial system by providing customer information and purchase product unique information included in the received financial product investment agreement information to the information system through the external system on the financial system. It is preferably stored in the DBMS.

Referring to FIG. 3, the relay server 300 includes an information checking unit 325 for confirming information of a producer (or seller) of tangible and intangible products corresponding to the received financial product investment agreement information, and the identified tangible and intangible product producers. (Or seller) characterized in that it comprises an information providing unit 335 for providing the financial investment agreement information.

When the financial product investment agreement information is received through the information receiving unit 315, the information checking unit 325 checks the purchase product unique information included in the received financial product investment agreement information, and checks the purchase product unique information. It is characterized by identifying the corresponding tangible or intangible product producer (or seller) information.

When the information providing unit 335 confirms the information on the tangible and intangible product producers (or sellers) corresponding to the financial product investment agreement information through the information checking unit 325, the information providing unit 335 identifies the tangible and intangible product producers (or sellers). It provides a financial product investment agreement information.

4 is a diagram illustrating a process of registering financial product investment agreement information according to an embodiment of the present invention.

In more detail, in FIG. 4, when the relay server 300 on the product specific information registration system shown in FIG. 3 is associated with a counter terminal through a predetermined network, the counter terminal is connected to the relay server 300. Connect the communication channel for the automatic registration of the financial product-to-autonomous information according to the present invention, and then the financial product investment agreement including the customer information and the purchase product specific information to the relay server 300 through the communication channel. When the information is transmitted, the relay server 300 and the customer information included in the received financial product investment agreement information, the purchase method of the unique information associated with the purchase method for storing in a predetermined storage medium 340, Those skilled in the art to which the present invention pertains may refer to or modify the drawing 4 to invest in the financial product from the window terminal to the relay server 300. Would be able to infer the various exemplary method for registering the information Protocol, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

Hereinafter, in Fig. 4, the window terminal shown in Fig. 3 is referred to as a “terminal” for convenience, and the relay server 300 shown in Fig. 3 is referred to as a “server” for convenience, and the relay server ( The customer information and purchase product unique information transmitted to 300 are referred to as "financial investment investment agreement information" for convenience.

Referring to FIG. 4, the teller terminal shown in FIG. 3 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the financial instrument investment agreement information, and the amount of sales of the tangible and intangible products. When requesting to register the financial product investment agreement information for financial product investment (400), the server generates (or extracts) a predetermined information registration interface for registering the financial product investment agreement information (405), and the communication. The generated (or extracted) information registration interface is transmitted to the terminal through a channel (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) financial product investment agreement information including at least one of the customer information and the purchase product unique information in the terminal. Do.

Thereafter, the terminal inputs (or selects) financial product investment agreement information including at least one or more customer information and purchase product specific information through the information registration interface (415).

If the terminal inputs (or selects) financial product investment agreement information including the customer information and purchase product specific information through the information registration interface (420), the terminal inputs (or selects) the information through the financial network. In step 425, the financial product investment agreement information including the customer information and the purchased product unique information is transmitted to the server.

Thereafter, the server receives and reads the customer information and the purchase product specific information through the financial network to check the validity of the financial product investment agreement information (430).

According to an exemplary embodiment of the present invention, the validity of the financial product investment agreement information may include at least one or more tangible and intangible product information matching the financial product investment agreement information in a storage medium 125 associated with the product specific information registration system. It is preferable to include checking whether it is registered.

For example, checking the validity of the financial product investment agreement information is whether the unique product information included in the financial product investment agreement information matches the tangible and intangible product information stored in the storage medium 125 associated with the product specific information registration system. It is preferable to include checking.

If the validity of the financial instrument investment agreement information is not authenticated (435), the server generates a predetermined information registration error information and transmits it to the terminal (440), the information registration corresponding to the financial product investment agreement information Do not perform the procedure.

On the other hand, if the validity of the financial product investment agreement information is authenticated (435), the server performs an information registration procedure corresponding to the financial product investment agreement information, thereby linking the customer information and the purchase product unique information to a predetermined value. The storage medium 340 is stored in operation 445.

According to an embodiment of the present invention, the storage medium 340 is preferably provided in a DBMS provided on the product specific information registration system or a DBMS on a financial system linked to the product unique information registration system. The present invention is not limited.

Thereafter, the server checks the information on the tangible or intangible product seller (or product producer) corresponding to the financial product investment agreement information (450), and provides the financial product investment agreement information to the identified product seller (or product producer). (455).

The server completes a procedure of registering the financial product investment agreement information transmitted from the terminal by generating predetermined information registration history information and transmitting the generated information to the terminal (460).

5 is a diagram illustrating a product specific information registration system for investment in financial products of tangible and intangible product sales amount according to another embodiment of the present invention.

In more detail, in Figure 5, a customer who purchases a certain tangible or intangible product at least one of customer information and unique product information for investment in a financial product of the sale amount of the tangible and intangible product through a predetermined information registration interface. If the financial product investment agreement information including the above information is provided, the customer specific information included in the financial product investment agreement information provided by the product-specific information registration system is linked and processed in a predetermined storage medium 540. And a system configuration for checking the tangible and intangible product producer (or seller) information corresponding to the financial product investment agreement information and providing the financial product investment consent information to the identified tangible and intangible product producer (or seller). Those of ordinary skill in the art to which the invention pertains refer to or modify this drawing 5 It will be possible to infer various implementation methods for the configuration of the product specific information registration system for investment in financial products of tangible and intangible product sales amount, the present invention includes all the implementation methods inferred, the implementation method shown in FIG. It is not limited to only.

Hereinafter, the financial product investment agreement information provided from the tangible and intangible product purchase customer is stored in the storage medium 125 through a predetermined information registration interface on the product specific information registration system shown in FIG. Identifying the tangible and intangible commodity producer (or seller) information corresponding to the information, and providing at least one means or function component for providing the financial product investment consent information to the identified tangible and intangible commodity producer (or seller). For convenience, it is called "relay server".

Referring to FIG. 5 according to an embodiment of the present invention, a product-specific information registration system for investment in financial products of the sales amount of tangible and intangible products includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises at least one information registration terminal, the information registration terminal is connected to a communication channel and a relay server provided on the product specific information registration system through a predetermined network means.

According to one embodiment of the invention, the customer purchases the tangible or intangible product is connected to the relay server through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, the relay server Inputting (or selecting) financial product investment agreement information for investment in financial products of the tangible and intangible product sales amount through at least one user interface provided by the client terminal, the client specific information registration system through a predetermined network means It is preferable to transmit to the relay server provided on the.

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 CDMA (Code Division Multiple Access) based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based mobile Internet, or Motorola's DataTAC method or Erricson's A generic term for all terminal devices connected to a Mobitex-type 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. Cellular; PDC or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) or smart phone (Smart Phone) or Telematics (telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, Or wirelessly connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

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

In addition, the client terminal outputs at least one or more user interfaces provided by the relay server, and inputs or selects at least one or more information through the user interface and transmits them to the relay server (eg, a browser program). And a communication function, or a predetermined communication program and communication function for communicating with the relay server).

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 product specific information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the purchaser of the tangible or intangible product, and at least one wired communication network or wireless connecting the client terminal and the relay server. The communication network performs a function of an information registration interface for the customer to register financial product investment agreement information for financial product investment of the tangible and intangible product sales amount.

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 affiliated with the financial institution Terminals (or servers) (not shown) provided in the above institutions may be further included, whereby the present invention is not limited.

In the product specific information registration system as described above, when the information registration terminal is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the relay server. Alternatively, the wireless telephone network performs a function of an information registration interface for the customer to register financial product investment agreement information for investment in the financial product of the tangible and intangible product sales, or to an institution affiliated with the financial institution that is the information registration terminal. If the terminal (or server) (not shown) provided, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the relay server is the customer the said tangible or intangible goods It functions as an information registration interface for registering financial product investment agreement information for investment in financial products of sales amount.

The storage medium 540 provided on the product specific information registration system according to the present invention performs a predetermined process by linking the customer information and the purchased product unique information included in the financial product investment agreement information provided from the information registration terminal. Characterized in that the storage medium 540, the financial product investment agreement information including at least one or more of the customer information, the purchase product unique information stored in the storage medium 540 is the financial product investment of the sales amount of the tangible and intangible products Is used for.

The customer information includes the name, telephone number (cell phone number), address, resident registration number of the customer who purchased the tangible and intangible products, and the customer is affiliated with the tangible and merchandise sales organization (or tangible and merchandise production or production and sale). In the case of a member subscribed to an online site operated by a specific institution, it is preferable to include a member ID.

The purchase product unique information is a product name, product type, price, producer-specific information, seller-specific information, for the tangible or intangible product that all (or part) of the sales amount generated by the customer's product purchase is automatically invested in a specific financial product, It is preferable to include one or more product unique number (or code).

According to an embodiment of the present invention, the storage medium 540 is preferably provided in a DBMS provided on the product unique information registration system or a DBMS on a financial system linked to the product unique information registration system. The present invention is not limited.

The relay server provided on the product specific information registration system according to the present invention is a generic term for components of the product unique information registration system connected to the information registration terminal through a predetermined network means, and includes at least one server (or an 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, the relay server may include an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an 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 505 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, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 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 relay server, the interface unit 505 connects a communication channel 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 information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 may be configured 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 505 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, IC chip based application program) provided by the relay server, the interface unit 505 connects a communication channel with the client terminal based on the CDMA protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 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 505 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. .

Referring to FIG. 5, in the relay server, a predetermined information registration terminal connects a communication channel with the relay server through the interface unit 505, and then connects the communication server with the interface unit 505 to determine the information registration terminal. Interworking with the interface providing unit 510 and the interface unit 505 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting the financial product investment consent information of the financial product to the information registration terminal; And an information receiver 515 for receiving predetermined financial product investment agreement information transmitted from the information registration terminal through the user interface (or selected), and the customer information included in the received financial product investment agreement information. And an information storage unit 530 configured to link and process the purchase product unique information in a predetermined storage medium 540. All.

The interface providing unit 510 connects a communication channel with the relay server through the interface unit 505, and then agrees to the financial product investment agreement corresponding to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) information and transmit it to the relay server via the network means, or extract from a predetermined database (not shown), and in conjunction with the interface unit 505 And providing the generated (or extracted) user interface to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) financial product investment agreement information including at least one of the customer information and purchase product specific information based on the user interface, and inputs (or selects) the financial product investment. The agreement information is transmitted to the relay server through the 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 510 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 505.

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 510 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 505.

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 510 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 505. desirable.

According to another exemplary embodiment of the present invention, a predetermined information registration program having at least one user interface for inputting (or selecting) the financial instrument investment agreement information to the relay server through the network means is provided. In this case, the interface providing unit 510 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 515 inputs (or selects) financial product investment agreement information including at least one of customer information and purchase product specific information through the user interface, the information registration terminal 515 transmits the information through the network means. The financial product investment agreement information is received in connection with the interface unit 505, and the received financial product investment agreement information is provided to the validity confirming unit 520.

The validity verification unit 520 is characterized in that whether the financial product investment agreement information received from the information registration terminal satisfies the validity for the financial product investment of the sales amount of the tangible and intangible products.

According to an exemplary embodiment of the present invention, the validity of the financial product investment agreement information may include at least one or more tangible and intangible product information matching the financial product investment agreement information in a storage medium 125 associated with the product specific information registration system. It is preferable to include checking whether it is registered.

For example, checking the validity of the financial product investment agreement information is whether the unique product information included in the financial product investment agreement information matches the tangible and intangible product information stored in the storage medium 540 associated with the product specific information registration system. It is preferable to include checking.

When the validity of the financial product investment agreement information is confirmed, the information storage unit 530 processes the customer information and the purchase product unique information included in the financial product investment agreement information to store in the storage medium 540. When the storage medium 540 is provided in the relay server or on the network associated with the relay server, the information storage unit 530 is included in the received financial product investment agreement information. It is preferable to store the information stored in the storage medium 540 by integrating the processed customer information and unique product information, and the information storage unit 530 when the storage medium 540 is provided in a DBMS provided on a financial system. ) Provides the customer information and purchase product unique information included in the received financial product investment agreement information to the information system through the external system on the financial system to the DBMS provided on the financial system. It is desirable to store.

Referring to FIG. 5, the relay server includes an information checking unit 525 for confirming information of the tangible and intangible product producers (or sellers) corresponding to the received financial product investment agreement information, and the identified tangible and intangible product producers (or sellers). As such, characterized in that it comprises an information providing unit 535 for providing the financial instrument investment agreement information.

When the financial product investment agreement information is received through the information receiving unit 515, the information checking unit 525 checks the purchase product unique information included in the received financial product investment agreement information, and checks the purchase product unique information. It is characterized by identifying the corresponding tangible or intangible product producer (or seller) information.

The information providing unit 535 checks the tangible and intangible commodity producer (or seller) information corresponding to the financial product investment agreement information through the information confirming unit 525. It provides a financial product investment agreement information.

6 is a diagram illustrating a process of registering financial product investment agreement information for investment in financial products of tangible and intangible product sales amounts according to one embodiment of the present invention.

In more detail, FIG. 6 illustrates a case where the information registration server 500 on the information registration system shown in FIG. 5 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 500 to connect the communication channel for registering financial product investment agreement information in accordance with the present invention, the customer information, purchase product specific information to the information registration server 500 through the communication channel When the financial instrument investment agreement information is transmitted, the information registration server 500 links customer information and purchase product unique information included in the received financial product investment agreement information to a predetermined storage medium 540. As a method for storing the present invention, those skilled in the art to which the present invention pertains may refer to or modify the present invention with reference to FIG. Various implementation methods for registering the financial product investment agreement information from the client terminal to the information registration server 500 may be inferred, but the present invention includes all the implementation methods inferred, and is illustrated in FIG. It is not limited to the method.

Hereinafter, in FIG. 6, the client terminal shown in FIG. 5 is referred to as a “terminal” for convenience, and the information registration server 500 shown in FIG. 5 is referred to as a “server” for convenience, and the information registration is performed in the client terminal. The customer information and purchase product unique information transmitted to the server 500 are referred to as "financial investment investment agreement information" for convenience.

Referring to Figure 6, the client terminal shown in Figure 5 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 The financial instrument for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., for connecting a predetermined communication channel for registering the financial instrument investment agreement information, and for investing in the financial instrument of the sales amount of the tangible and intangible products. When requesting registration of investment agreement information (600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registration of investment agreement information of the financial product (605), and through the communication channel, The generated (or extracted) web page is transmitted to the terminal and output (operation 610).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) financial product investment agreement information including at least one of the customer information and the purchase product unique information in the terminal. Do.

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

Thereafter, the terminal inputs (or selects) financial product investment agreement information including at least one or more customer information and purchase product specific information through the information registration interface (615).

If the terminal receives (or selects) financial product investment agreement information including the customer information and the purchase product specific information through the information registration interface (620), the terminal inputs (or selects) the communication channel. In step 625, the customer information and the purchase product specific information are transmitted to the server.

According to an embodiment of the present invention, transmitting the input (or selection) of customer information and purchase product specific information to the server through the communication channel may be inputted (or selected) investment of the financial product through the information registration interface. The electronic device may further include transmitting the consent information to the server through an electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information and the purchase product specific information through the communication channel to confirm the validity of the financial product investment agreement information (630).

According to the implementation method of the present invention, confirming the validity of the financial instrument investment agreement information, if the financial product investment agreement information is electronically signed or encrypted through the security module provided in the terminal, the financial product investment agreement Decoding the information, or may further comprise decoding the financial instrument investment agreement information.

According to an exemplary embodiment of the present invention, the validity of the financial product investment agreement information may include at least one or more tangible and intangible product information matching the financial product investment agreement information in a storage medium 125 associated with the product specific information registration system. It is preferable to include checking whether it is registered.

For example, checking the validity of the financial product investment agreement information is whether the unique product information included in the financial product investment agreement information matches the tangible and intangible product information stored in the storage medium 125 associated with the product specific information registration system. It is preferable to include checking.

If the validity of the financial instrument investment agreement information is not authenticated (635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (640), and the financial product investment agreement information. Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the financial product investment agreement information is authenticated (635), the server performs an information registration procedure corresponding to the financial product investment agreement information, thereby linking the customer information and the purchased product unique information to a predetermined value. The data is stored in the storage medium 540 (645).

According to one embodiment of the invention, the storage medium 540 is preferably provided in a DBMS provided on the information registration system or a DBMS on a financial system associated with the information registration system, whereby the present invention is limited. Not.

Thereafter, the server checks the tangible or intangible product seller (or product producer) information corresponding to the financial product investment agreement information (650), and provides the financial product investment consent information to the identified product seller (or product producer). (655).

The server completes a procedure of registering the financial product investment agreement information transmitted from the terminal by generating a web page including predetermined information registration information and transmitting the generated web page to the terminal (660).

7 is a diagram illustrating a face-to-face financial product subscription system for investment in financial products of a product sale amount according to one embodiment of the present invention.

In more detail, in FIG. 7, a customer (commodity purchase customer) who purchases a tangible or intangible product through the purchase product unique information registration system shown in FIG. After the commodity investment consent information is stored in the storage medium 755, a predetermined customer (tangible or intangible product seller or commodity producer or commodity broker) prepares a financial product application form including at least one predetermined customer information and investment amount information. When submitted to a window provided at a financial institution of the financial institution, the financial institution subscribes to the financial product for investment in financial products of the product sales amount based on the financial product investment information corresponding to the financial product application, and the financial product As a system configuration for opening a predetermined financial account for management, in the technical field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods for constructing a financial product subscription system for investment in financial products of the product sales amount by referring to or modifying the present invention, but the present invention provides all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer a configuration of a financial product subscription system that omits an implementation method of storing the financial product electronic document in the electronic document repository by referring to or modifying the drawing 7. In addition, in the case where the financial product electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 7, the electronic document storage system may be implemented in a DBMS located in the financial product subscription system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 7, the method for generating the financial instrument electronic document is described by generating a financial instrument electronic document corresponding to the financial instrument application on the server side of the financial instrument subscription system. However, the present invention is not limited thereto, and the financial product electronic document may be generated on a terminal side that acquires image content corresponding to the financial product application through a predetermined image acquisition device (eg, the server side). The electronic document generation function provided in the terminal side is provided to generate the financial instrument electronic document), whereby the present invention is not limited.

Hereinafter, in response to the financial product application and financial product investment information created by the customer (tangible or intangible product seller or product producer or product relay) through a predetermined financial product subscription interface on the financial product subscription system shown in FIG. A constituent corresponding to at least one means or functional configuration for allowing a seller of a tangible or intangible product or a product producer or a product relay) to subscribe to the financial product, and to generate a predetermined financial product electronic document and store it in a predetermined electronic document repository. The element is referred to as " financial product server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a financial product subscription system for investment in a financial product of the product sales amount includes a terminal device including a counter terminal provided in at least one branch (or branch) of a financial institution. The terminal device is connected to the financial product server 700 provided on the financial product subscription system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer (tangible or intangible product seller or product producer or product relay) visits the financial institution branch (branch branch) for investment in the financial product of the merchandise sales amount, and the financial institution branch (branch branch) Fill out at least one information item for a financial product application (e.g., investing in a financial product of the product sales amount) through a window (or through a clerk) A document with a form for which the customer (tangible commodity seller or commodity producer or commodity broker) is required by the customer (tangible commodity seller or commodity producer or commodity broker) for the legal basis for the application. It is advisable to seal the seal of).

Subsequently, when the customer (tangible or intangible product seller or product producer or product relay) submits the prepared financial product application to the counter employee, the counter employee scans the financial product application through a predetermined image acquisition device to scan a predetermined image content. And input (or select) financial product investment information including at least one or more image contents obtained in response to the financial product application, customer information written in the financial product application, and investment amount information through a predetermined window terminal; In response, the window terminal preferably transmits the image content and the financial product investment information to the financial product server 700 provided on the financial product subscription system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial product server 700 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (for example, a ledger server, etc.), and the financial network connecting the teller terminal and the financial product server 700 connects the communication channel between the teller terminal and the financial product server 700. It is preferable to comprise a network.

In the financial product subscription system as described above, an image acquiring device for acquiring image contents corresponding to a financial product application form prepared by the customer (tangible or intangible product seller or product producer or product relay), a window terminal used by the employee, and the The financial network connecting the terminal and the financial product server 700 is a financial product for the customer (tangible product seller or product producer or product relay) to register the financial product investment information for investment in the financial product of the product sales amount Performs the function of the subscription interface.

The storage medium 755 provided on the financial product subscription system according to the present invention includes the customer information, the investment amount information, the financial product operation information, and the financial account information included in the financial product investment information provided from the terminal device. Characterized in that to store the financial product investment history information including at least one.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out the modification.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

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

According to one embodiment of the invention, the storage medium 755 is preferably provided in a DBMS on a financial system provided on the financial product entry system (or associated with the financial product subscription system), wherein The storage medium 755 may be a ledger D / B provided in the 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 755 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial product server 700 provided on the financial product subscription system according to the present invention is a generic term for components of the financial product subscription system side connected to the terminal device through a predetermined financial network, and includes at least one server (or Device) or at least one program 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 terminal device is a window terminal connected to a predetermined financial network, the financial product server 700 is a ledger provided on a financial system connected to the window terminal through a predetermined financial network. It may be a 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 financial product server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 705 establishes a 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. 7, when the terminal device connects a predetermined communication channel with the financial product server 700 through the interface unit 705, the financial product server 700 finances the product sales amount. Acquire image contents corresponding to the financial product application form prepared by the customer (tangible or intangible product seller or product producer or product relay) through a predetermined image acquisition device provided in the terminal device for investment of the product, and respond to the financial product application form. Generate (or extract) at least one user interface for inputting (or selecting) financial product investment information to the financial product server 700 and generating (or extracting) the interface in conjunction with the interface unit 705. An interface providing unit 710 for providing the extracted user interface to the terminal device, and the user interface in the terminal device. When the financial product investment information corresponding to the financial product application is input (or selected) through the information receiving unit 715 for receiving the financial product investment information transmitted from the terminal device in conjunction with the interface unit 705. And, if the terminal device obtains and transmits the image content corresponding to the financial product application prepared by the customer (tangible product seller or product producer or product relay) through a predetermined image acquisition device based on the user interface, It is characterized in that it comprises an image receiving unit 720 for receiving the image content corresponding to the financial product application in connection with the interface unit 705.

The interface providing unit 710 connects a predetermined communication channel with the financial product server 700 through the interface unit 705, and then, of the product selling amount to the financial product server 700. When requesting a user interface for investment in financial products, image content corresponding to the financial product application prepared by the customer (tangible / intangible product seller or product producer or product relay) is obtained through a predetermined image acquisition device provided in the terminal device. Generating at least one user interface for inputting (or selecting) financial product investment information corresponding to the financial product application form and transmitting it to the financial product server 700 through the financial network, or a predetermined database; The user interface extracted from (not shown) and generated (or extracted) in association with the interface unit 705. A it characterized in that it provides to the terminal through the financial network.

According to another exemplary embodiment of the present invention, an image content corresponding to a financial product application prepared by the customer (tangible product seller or product producer or product relay) is obtained through a predetermined image acquisition device in the terminal device, and the financial product application form When a predetermined information registration program is provided with at least one user interface for inputting (or selecting) financial product investment information corresponding to, and transmitting the same to the financial product server 700 through the financial network. As described above, image content corresponding to the financial product application prepared by the customer (tangible product seller or product producer or product relayer) is acquired through a predetermined image acquisition device, and the financial product investment information corresponding to the financial product application is input (or Select) to transmit to the financial product server 700 Interface generate (or extract), and the interface providing unit 710 may be omitted mubang provided to the terminal device, to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) financial product investment information including at least one of the customer information and investment amount information through the user interface, and inputs the input (or selected) financial product investment information to the financial unit. The financial product server 700 is transmitted through a network. In response thereto, the information receiving unit 715 receives the financial product investment information transmitted from the terminal device in association with the interface unit 705. do.

In addition, the terminal device obtains the image content corresponding to the financial product application prepared by the customer (tangible product seller or product producer or product relay) through a predetermined image acquisition device based on the user interface, the obtained image Content is transmitted to the financial product server 700 through the financial network, and in response, the image receiving unit 720 receives image content corresponding to the financial product application in association with the interface unit 705. It features.

According to another exemplary embodiment of the present invention, the terminal apparatus obtains image contents corresponding to a financial product application prepared by the customer (tangible or intangible product seller or product producer or product relay) through a predetermined image acquisition apparatus. When the terminal device is previously stored in a predetermined storage device provided in (or associated with) the terminal device, the at least one image content previously stored in the storage device through the user interface may be used by the customer (tangible product seller or product producer or product). Selects an image content corresponding to a financial product application form prepared by a repeater) and transmits the image content to the financial product server 700 through the financial network. In response thereto, the image receiving unit 720 is connected to the interface unit 705. Receiving image content corresponding to the financial instrument application Preferable.

According to another embodiment of the present invention, the image content corresponding to the financial product application prepared by the customer (tangible product seller or product producer or product relay) through the user interface in the terminal device and the corresponding financial product application When the financial product investment information is transmitted together, the information receiving unit 715 may be connected with the interface unit 705 to receive the image content corresponding to the financial product application and the financial product investment information together (eg, the The image receiving unit 720 is integrated into the information receiving unit 715 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 7, when the financial product investment information transmitted from the terminal device is received through the information receiving unit 715, the financial product server 700 receives the received financial product investment information. Characterized in that it comprises a validity check unit 725 to confirm whether the validity for the financial product investment.

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 7, the financial product server 700 receives the image content transmitted from the terminal device through the image receiving unit 720, and transmits the financial product investment information through the validity checking unit 725. If the validity is verified, the electronic document generation unit 730 for generating a predetermined financial product electronic document including the received image content, and the electronic document associated with the financial product subscription system to the generated financial product electronic document It is characterized by comprising an electronic document transmission unit 735 for transmitting to the storage.

The electronic document generating unit 730 may generate a financial product electronic document including the image content received from the terminal device through the image receiving unit 720.

According to an embodiment of the present invention, the electronic document generating unit 730 is an image file containing the image content received from the terminal device via the image receiving unit 720 as it is the financial product of the product sales amount It is desirable to treat it as a financial instrument electronic document for investment.

Alternatively, the electronic document generator 730 may include customer information and investment included in the financial product investment information received through the information receiver 715 in the image content received from the terminal device through the image receiver 720. It is preferable to generate a financial product electronic document for investing in the financial product of the selling price of the product, the image file corresponding to the image content including at least one or more information of the price information by watermarking.

According to another exemplary embodiment of the present invention, the electronic document generating unit 730 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 720. Format product, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a financial instrument electronic document for a.

Alternatively, the electronic document generator 730 may include customer information and investment included in the financial product investment information received through the information receiver 715 in the image content received from the terminal device through the image receiver 720. Generating image content including at least one or more of the price information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file or EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby generating a financial product electronic document for investment in financial products of the sales amount of the product. It is desirable to.

According to another embodiment of the present invention, the electronic document generating unit 730 is the financial product received through the image receiving unit and the image receiving unit 715 through the image receiving unit 720 A predetermined document file including investment information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the web including the MHT). By generating a document file, etc., it is preferable to generate a financial product electronic document for the investment of the financial product of the product sales amount.

Alternatively, the electronic document generator 730 may include customer information and investment included in the financial product investment information received through the information receiver 715 in the image content received from the terminal device through the image receiver 720. Generates image content including at least one or more information of the amount information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the financial product investment information. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a financial instrument electronic document.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generation unit 730 generating a financial product electronic document in an image file format or a predetermined document file format, and the financial product electronic document. Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 735 transmits and stores the financial product electronic document generated by the electronic document generating unit 730 to a predetermined electronic document repository associated with the financial product subscription system.

As shown in FIG. 7, the electronic document repository is connected to the financial product server 700 on the financial product subscription system and the predetermined electronic document server 760 and the electronic document D / B 780 connected through predetermined communication means. When provided externally, the electronic document transmission unit 735 transmits the financial product electronic document generated by the electronic document generation unit 730 to the electronic document server 760 through the communication means. Characterized in that the transmission.

Here, when the electronic document server 760 and the electronic document D / B 780 is provided outside the financial product subscription system, the electronic document server 760 and the electronic document D / B 780 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the electronic document transmitting unit 735 is generated by the electronic document generating unit 730. It is possible to store the financial instrument electronic document in the electronic document D / B 780 corresponding to the electronic document storage on the DBMS provided in the financial instrument subscription system, thereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 735 is electronic document related information for generating predetermined electronic document management information in the electronic document server 760 (for example, financial products 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 financial product investment information, etc.) that filled out the application, or the financial instrument electronic document, The present invention is not limited by this.

Referring to FIG. 7, the financial product server 700 has the financial product investment information received through the information receiving unit 715 having the validity for the financial product investment of the product sales amount through the validity checking unit 725. When the authentication, the information generation unit 740 for generating predetermined financial product operation information corresponding to the financial product on the basis of the customer information, the investment amount information included in the financial product investment information of the validity and the financial information; And a financial account processing unit 745 for opening and processing a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the product investment information.

When the validity of the financial product investment information is confirmed by the validity confirming unit 725, the information generating unit 740 is provided to the financial product based on the customer information and the investment amount information included in the financial product investment information. And generate corresponding financial product management information.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the information generator 740 corresponds to the financial product based on customer information and investment amount information included in the financial product investment information. It is preferable to generate the beneficiary certificate information (eg, the beneficiary certificate attribute including the predetermined securities number and the expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the information generator 740 may be configured based on the customer information and investment amount information included in the financial product investment information. Deposit information (or savings information) corresponding to a deposit (or deposit property including an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.) It is preferable to generate.

The financial account processing unit 745 generates a customer ledger including the 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 provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the product sales amount corresponding to the financial product investment information It is characterized by opening a predetermined financial account for investment in financial products.

When the financial product server 700 and the financial system exist in the same system according to an embodiment of the present invention, the financial account processing unit 745 operates the financial product in the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger containing the information.

According to another exemplary embodiment of the present invention, when the financial product server 700 and the financial system exist on another system connected through a predetermined communication means, the financial account processing unit 745 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 product operation information through the external system on the financial system.

Referring to FIG. 7, the financial product server 700 has the financial product investment information received through the information receiving unit 715 having the validity for the financial product investment of the product sales amount through the validity checking unit 725. If authenticated, the financial information management information generated by the customer information and investment amount information included in the financial product investment information, and the information generation unit 740 and the financial account processing unit 745 generated by the validity of the financial product. And an information storage unit 750 for storing the financial product investment history information including at least one financial account information in a predetermined storage medium 755.

When the validity of the financial product investment information is confirmed by the validity confirming unit 725, the information storage unit 750 includes at least one of the customer information and the investment amount information included in the financial product investment information. The financial product investment history information is stored in the storage medium 755.

In addition, when the financial product operation information generated by the information generation unit 740 is generated, the information storage unit 750 further includes the generated financial product operation information in the financial product investment history information. It is preferable to store in the storage medium 755.

The information storage unit 750 further includes the financial account information opened in the financial product investment history information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. It is preferable to store in the storage medium 755.

According to an embodiment of the present invention, when the storage medium 755 is provided in the financial product server 700 or on a network connected to the financial product server 700, the information storage unit 750. Store the financial product investment details in the storage medium 755 including at least one of the customer information, the investment amount information, the financial product operation information and the financial account information included in the received financial product investment information. desirable.

According to another exemplary embodiment of the present invention, when the storage medium 755 is provided in a DBMS provided on a financial system, the information storage unit 750 includes the customer information included in the received financial product investment information. It is preferable to provide financial instrument investment history information including investment amount information and at least one financial product operation information and financial account information to an 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. 7, an electronic document server that receives a predetermined financial product electronic document from the financial product server 700 provided on the financial product subscription system and stores and manages it in a predetermined electronic document D / B 780. An electronic document receiving unit 765 for receiving a predetermined financial product electronic document from the financial product server 700 through a predetermined communication means, and the electronic document D / B for receiving the received financial product electronic document. An information generation unit 770 for generating predetermined electronic document management information for storage and management at 780; and a predetermined electronic document D / B 780 by linking the electronic document management information with the financial product electronic document. It is characterized by comprising an electronic document storage unit 775 to be stored in).

The electronic document receiving unit 765 may receive the financial product electronic document in the form of an image file or a document file from the financial product server 700 through the communication means.

According to an exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 765 through the communication means includes an image file including image content received by the financial product server 700 from the terminal device. It is preferably made to include as it is.

Alternatively, the financial product electronic document received by the electronic document receiving unit 765 through the communication means may include customer information included in the financial product investment information in the image content received by the financial product server 700 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 investment amount information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 765 through the communication means includes a predetermined image content that the financial product server 700 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 financial product electronic document received by the electronic document receiving unit 765 through the communication means may include customer information included in the financial product investment information in the image content received by the financial product server 700 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 of the investment amount information in a watermarking manner. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 765 through the communication means includes the image content and the financial information received by the financial product server 700 from the terminal device. A predetermined document file including product investment information (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 MHT). Web document files).

Alternatively, the financial product electronic document received by the electronic document receiving unit 765 through the communication means may include customer information included in the financial product investment information in the image content received by the financial product server 700 from the terminal device. Image content including at least one or more of the investment amount information by a watermarking method and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the financial product investment information. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 770 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 765, and the financial information through the electronic document receiving unit 765 And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 770 refers to the financial product electronic document by referring to the financial product server 700 that has transmitted the financial product electronic document received through the electronic document receiving unit 765. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising 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 product server 700 through the electronic document receiving unit 765, the information generating unit 770 receives the received information. Electronic document-related information (e.g., customer information for preparing a financial instrument application corresponding to the image content, financial institution information for transmitting the financial instrument electronic document, electronic document file format information, or financial instrument investment information, etc.); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 775 associates a financial product electronic document received through the electronic document receiving unit 765 with electronic document management information generated through the information generating unit 770 to process a predetermined electronic document D. / B (780) characterized in that the storage.

According to an exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 is an image received by the financial product server 700 from the terminal device. It is preferable that the image file including the content is included as it is.

Alternatively, the financial product electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may invest the financial product in the image content received by the financial product server 700 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 customer information, the investment amount information included in the information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 is received by the financial product server 700 from the terminal device. Any document file containing image content (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 including MHT) Document files).

Alternatively, the financial product electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may include the financial product investment information in the image content received by the financial product server 700 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content including at least one of customer information and investment amount information included in the watermarking method. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 is received by the financial product server 700 from the terminal device. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including an image content and the investment information of the financial product. , Or a web document file including MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may include the financial product investment information in the image content received by the financial product server 700 from the terminal device. Image content including at least one or more information of the customer information, investment amount information included in the watermarking method and a predetermined document file (for example, a PDF (Portable Document Format) file, including the financial product investment information, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 780 by the electronic document storage unit 775 in association with the financial product electronic document is stored in the financial product electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 780 by the electronic document storage unit 775 in association with the financial product electronic document is stored in the electronic product electronic document. Preferably, the financial product server 700 may further include information on a financial institution that has transmitted the financial product electronic document, which has been identified with reference to the financial product server 700.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial product server 700, the electronic document storage unit 775 processes the electronic product electronic document in association with the financial product electronic document. The electronic document management information stored in the electronic document D / B 780 may be configured to transmit the electronic document related information (for example, customer information in which a financial product application form corresponding to the image content is transmitted, or the financial product electronic document). Financial institution information, electronic document file format information, or financial instrument investment information).

8 is a diagram illustrating an implementation method in which a storage medium 755 for storing financial product investment history information corresponding to a financial product subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 is provided in the ledger D / B when the storage medium 755 shown in FIG. 7 is the ledger D / B provided in the DBMS on the financial system or the ledger D / B. The information structure for one embodiment of the financial product investment history information is stored in the ledger information, and if the person having ordinary knowledge in the technical field to which the present invention pertains, refer to or modify this figure 8 Various information construction methods for storing the financial product investment history 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 FIG. 8 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger and the customer ledger and is shown in FIG. The account ledger corresponding to the financial product subscribed through the product subscription 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 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. It will be clearly understood that at least one additional information for management is included, and that the technical details of Since 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 associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the ledger, amount of trust, par value, pension date and number of shares. 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. 8, wherein the storage medium 755 is the ledger D / B, or includes an implementation method provided in the ledger D / B, the finance illustrated in FIG. Additional information added to the account ledger, the financial product investment history information including at least one of the customer information and investment amount information and the financial product operation information and financial account information included in the financial product investment information provided through the product subscription system It is characterized in that it is stored in the form.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information may be included in the financial product of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible products produced or sold by the customer in a predetermined financial product. It is preferable to include information on the amount of money to be invested.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

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

According to another exemplary embodiment of the present invention, the financial product investment 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.

9 is a storage medium 755 for storing financial product investment history information corresponding to a financial product subscribed to in a face-to-face manner according to another embodiment of the present invention, associated with the ledger D / B provided in the DBMS on the financial system. A diagram illustrating an implementation method including a database.

In more detail, FIG. 9 illustrates an information structure of an embodiment in which the storage medium 755 illustrated in FIG. 7 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configurations for storing the financial product investment details in association with the ledger D / B are stored in a predetermined database by referring to or modifying the drawing 9. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 9, when it is not easy to store the investment information of the financial product 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 financial product investment history 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. 9 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 9, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. 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 exemplary embodiment of the present invention, referring to FIG. 9 in which the storage medium 755 includes a database associated with a ledger D / B provided in a DBMS on a financial system, the database may be included in the financial product investment information. And the financial product investment history information including at least one of the included customer information, investment amount information, and the financial product operation information and financial account information, wherein the financial product investment history information is stored in the ledger D / B. In order to be processed in conjunction with the financial product investment history information preferably further comprises a CIF number corresponding to the ledger information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to enter through the financial product investment information, and varies according to the characteristics and attributes of the financial product. It is preferable to carry out the deformation.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

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

FIG. 10 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 755 for storing financial product investment history information corresponding to a financial instrument subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. One drawing.

In more detail, FIG. 10 illustrates a DBMS in which a storage medium 755 shown in FIG. 7 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. The present invention provides a method for providing a financial product stored in a predetermined DBMS provided in at least one or more banking servers by referring to or modifying the drawing 10. It is possible to infer the information construction method for the investment history information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 755 includes a DBMS provided in a banking server. Referring to FIG. 10, a predetermined DBMS provided in the banking server is included in the financial product investment information. And storing the financial product investment history information including at least one of the customer information, the investment amount information, and the financial product operation information and the financial account information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial product operation information may include profit certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

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

11A and 11B illustrate a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to one embodiment of the present invention.

11A and 11B show a terminal terminal in which a terminal device on the financial product subscription system shown in FIG. 7 is provided at a branch of a financial institution (or a branch), and the financial product server 700 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer, the customer information and the investment amount information are entered in order for a given customer to join the financial product for investment in the financial product of the product sales amount. When a financial product application form including at least one is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product application, and specifically, the customer applies the financial product application. After filling out and submitting to the counter, the counter terminal receives the application form through the predetermined image acquisition device. After acquiring a predetermined image content and transmitting it to the financial product server 700, inputting (or selecting) financial product investment information corresponding to the financial product application form and transmitting it to the financial product server 700, The financial product server 700 illustrates a method of subscribing to the financial product based on the financial product investment information including at least one of the customer information and the investment amount information.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the financial product investment information to the financial product server 700 at the window terminal by referring to or modifying the drawings 11a and 11b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 11A and 11B.

For example, although the method shown in FIGS. 11A and 11B includes a process of generating a predetermined electronic document corresponding to the financial instrument application and storing it in an electronic document repository, 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 implementation 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 financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product investment information corresponding to the financial product application is described as being provided from the financial product server 700. However, a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial product server 700, and the present invention is not limited thereto.

In the following Figures 11a and 11b, the window terminal shown in Figure 7 is referred to as "terminal" for convenience, and the financial product server 700 shown in Figure 7 is referred to as "server" for convenience.

Referring to FIGS. 11A and 11B, when a predetermined customer prepares and submits a financial product application form including at least one customer information and investment amount information for investment in a financial product of a product sale amount, the window shown in FIG. When the terminal accesses the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for investment in a financial product of a product sales amount corresponding to the financial product application (1100). The server generates (or extracts) a user interface (1105) for acquiring predetermined image contents corresponding to the financial product application written by the customer through the predetermined image obtaining apparatus from the terminal and transmitting the predetermined image content to the server (1105). The generated (or extracted) user interface is transmitted to the terminal and output through the financial network (1110).

Thereafter, the terminal acquires image content corresponding to the financial product application through a predetermined image acquisition device based on the user interface (1115).

If image content corresponding to the financial product application is obtained through the image acquisition device (1120), the terminal transmits the obtained image content to the server through the financial network (1125).

Thereafter, the server generates a user interface for inputting (or selecting) financial product investment information including at least one of customer information and investment amount information corresponding to the financial product application form matching the image content and transmitting the same to the server. (Or extract) 1130, and transmits the generated (or extracted) user interface to the terminal through the financial network (1135).

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and the investment amount information through the user interface (1140).

If the financial product investment information including at least one of the customer information and the investment amount information is input (or selected) through the user interface (1145), the terminal inputs (or selects) the server to the server through the financial network. In step 1150, the financial instrument investment information is transmitted.

Thereafter, the server receives and reads the financial product investment information including at least one of the customer information and the investment amount information through the financial network to confirm the validity of the financial product investment information (1155).

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity of the financial product investment information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the financial product investment information. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1160), the server generates predetermined financial product error information and transmits it to the terminal (1165), and the financial product subscription information corresponding to the financial product investment information. Do not do it.

On the other hand, if the validity of the financial product investment information is authenticated (1160), the server generates a predetermined financial product electronic document including the image content (1170).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a financial product electronic document for investment in the financial product of the product sale amount.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a financial product electronic document for the financial product investment of the product sales amount of the image file.

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 the like, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And a word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content, or By generating a web document file including the MHT, etc.), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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) including the image content received from the terminal device and the received financial product investment information. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the generated image content and the financial product investment information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1175).

As shown in FIG. 7, the electronic document repository includes a predetermined electronic document server 760 and an electronic document D / B 780 linked with a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 760 through the communication means to store in the electronic document D / B (780).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 780, by which the present invention is not limited.

According to the method of the present invention, storing the financial product electronic document in the electronic document storage, the electronic document D shown in Fig. 7 by linking the generated financial product electronic document and predetermined electronic document management information It is preferable to include storing in / B (780).

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

The electronic document management information may further include financial institution information that transmits the financial instrument electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial product application form corresponding to the image content, financial institution information for transmitting the financial product electronic document, or electronic document file format information). , Or the financial product investment information).

If the financial product electronic document is stored in the electronic document storage room (1180), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Generates 1185.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include beneficiary certificate information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. For example, it is preferable to generate a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

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

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in association with the financial system (1190). .

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 product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server may establish a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to produce.

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 product operation information.

Thereafter, the server includes the customer information and the investment amount information included in the financial product investment information, the financial product operation information generated by the information generator 740 and the financial account generated by the financial account processor 745. Financial product investment history information including at least one account information is stored in a predetermined storage medium (755) (1195).

According to an embodiment of the present invention, when the storage medium 755 is provided in the server or on a network associated with the server, the server may be connected to the customer information included in the received financial product investment information. Preferably, the storage medium 755 stores investment product information, financial product investment information, and at least one financial product operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 755 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 755). ) To generate (or extract) the details of storing the financial product investment information and transmits it to the terminal (1199).

According to an embodiment of the present invention, the storage medium 755 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system). The storage medium 755 may be a ledger D / B provided in the 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 755 is provided on (or associated with) the financial product subscription system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking 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.

12A and 12B illustrate a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

12A and 12B show a terminal terminal in which a terminal device on the financial product subscription system shown in FIG. 7 is provided at a branch of a financial institution (or a branch), and the financial product server 700 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer, the customer information and the investment amount information are entered in order for a given customer to join the financial product for investment in the financial product of the product sales amount. When a financial product application form including at least one is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product application, and specifically, the customer applies the financial product application. After completing and submitting to the counter, the counter terminal enters the financial instrument investment information corresponding to the financial instrument application form. And transmits the selected image content corresponding to the financial product application through a predetermined image acquisition device and transmits the same to the financial product server 700. The financial product server 700 illustrates a method of subscribing to the financial product based on the financial product investment information including at least one of the customer information and the investment amount information.

Those skilled in the art to which the present invention pertains, various methods of registering the financial product investment information with the financial product server 700 at the window terminal by referring to or modifying the drawings 12a and 12b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 12A and 12B.

For example, although the method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the financial product application form and storing it in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 12A and 12B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product investment information corresponding to the financial product application is described as being provided from the financial product server 700. However, a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial product server 700, and thus the present invention is not limited thereto.

In the following Figures 12a and 12b, the window terminal shown in Figure 7 is referred to as a "terminal" for convenience, and the financial product server 700 shown in Figure 7 is referred to as a "server" for convenience, and in the window terminal The customer information and the investment amount information transmitted to the financial product server 700 are referred to as "financial product investment information" for convenience.

12A and 12B, when a predetermined customer prepares and submits a financial product application form including at least one of customer information and investment amount information for investment in a financial product of a product sale amount, the window shown in FIG. When the terminal accesses the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for investment in a financial product of a product sales amount corresponding to the financial product application (1200). The server generates (or extracts) a user interface for inputting (or selecting) financial product investment information including at least one of customer information and investment amount information corresponding to the financial product application form prepared by the customer to transmit to the server. In operation 1205, the generated (or extracted) user interface is transmitted to the terminal through the financial network. (1210).

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and the investment amount information through the user interface (1215).

If the financial product investment information including at least one of the customer information and the investment amount information is input (or selected) through the user interface (1220), the terminal inputs (or selects) the server to the server through the financial network. In step 1225, the financial instrument investment information is transmitted.

Thereafter, the server receives and reads the financial product investment information including at least one of the customer information and the investment amount information through the financial network to confirm the validity of the financial product investment information (1230).

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1235), the server generates predetermined financial product error information and transmits it to the terminal (1240), and the financial product subscription information corresponding to the financial product investment information. Do not do it.

On the other hand, if the validity of the financial product investment information is authenticated (1235), the server acquires the predetermined image content corresponding to the financial product application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (1245), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1250).

Thereafter, the terminal acquires image content corresponding to the financial product application through a predetermined image acquisition device based on the user interface (1255).

If image content corresponding to the financial product application is obtained through the image acquisition device (1260), the terminal transmits the obtained image content to the server through the financial network (1265).

The server receiving the financial product investment information and the image content from the terminal generates a predetermined financial product electronic document including the image content (1270).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a financial product electronic document for investment in the financial product of the product sale amount.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a financial product electronic document for the financial product investment of the product sales amount of the image file.

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 the like, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

Alternatively, the server may include the image content including at least one or more of the customer information and the investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. A word processor file generated and including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content; Or a web document file including MHT), it is preferable to generate a financial product electronic document for investment in the financial product of the product sales amount.

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) including the image content received from the terminal device and the received financial product investment information. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the generated image content and the financial product investment information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1275).

As shown in FIG. 7, the electronic document repository includes a predetermined electronic document server 760 and an electronic document D / B 780 linked with a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 760 through the communication means to store in the electronic document D / B (780).

Alternatively, when the electronic document archive is provided on a DBMS provided in the financial product subscription system, the server corresponds to the generated electronic product archive on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 780, by which the present invention is not limited.

According to the method of the present invention, storing the financial product electronic document in the electronic document storage, the electronic document D shown in Fig. 7 by linking the generated financial product electronic document and predetermined electronic document management information It is preferable to include storing in / B (780).

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

The electronic document management information may further include financial institution information that transmits the financial instrument electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial product application form corresponding to the image content, financial institution information for transmitting the financial product electronic document, or electronic document file format information). , Or the financial product investment information).

If the financial product electronic document is stored in the electronic document storage (1280), the server is predetermined financial product operation information corresponding to the financial product based on the customer information, investment amount information included in the financial product investment information Generates 1285.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include beneficiary certificate information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. For example, it is preferable to generate a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

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

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1290). .

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 product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

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 product operation information in the ledger D / B in association with the financial system. It is desirable to.

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 product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, investment amount information, and the generated financial product operation information and the generated financial account information included in the financial product investment information. Store in storage medium 755 (1295)

According to an embodiment of the present invention, when the storage medium 755 is provided in the server or on a network associated with the server, the server may be connected to the customer information included in the received financial product investment information. Preferably, the storage medium 755 stores investment product information, financial product investment information, and at least one financial product operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 755 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 755). ) To generate (or extract) the information storing the investment information of the financial product in step (1299) and transmit it to the terminal (1299).

According to an embodiment of the present invention, the storage medium 755 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system). The storage medium 755 may be a ledger D / B provided in the 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 755 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

13A and 13B illustrate a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

13a and 13b show a terminal terminal in which a terminal device on the financial product subscription system shown in FIG. 7 is provided at a branch of a financial institution (or a branch), and the financial product server 700 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer, the customer information and the investment amount information are entered in order for a given customer to join the financial product for investment in the financial product of the product sales amount. When a financial product application form including at least one is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product application, and specifically, the customer applies the financial product application. After filling out and submitting to the counter, the counter terminal receives the application form through the predetermined image acquisition device. After obtaining the predetermined predetermined image content, input (or select) the financial product investment information corresponding to the financial product application, and transmits the image content and the financial product investment information to the financial product server 700 The financial product server 700 illustrates a method of subscribing to the financial product based on the financial product investment information including at least one of the customer information and the investment amount information.

Those skilled in the art to which the present invention pertains, various methods of registering the financial product investment information to the financial product server 700 at the window terminal by referring to or modifying the drawings 13a and 13b. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 13A and 13B.

For example, although the method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the financial instrument application and storing it 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 including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product investment information corresponding to the financial product application is described as being provided from the financial product server 700. However, a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial product server 700, and the present invention is not limited thereto.

In the following Figures 13a and 13b, the window terminal shown in Figure 7 is referred to as "terminal" for convenience, and the financial product server 700 shown in Figure 7 is referred to as "server" for convenience, and in the window terminal The customer information and the investment amount information transmitted to the financial product server 700 are referred to as "financial product investment information" for convenience.

Referring to FIGS. 13A and 13B, when a predetermined customer prepares and submits a financial product application form including at least one customer information and investment amount information for investment in a financial product of a product sale amount, the window shown in FIG. When the terminal accesses the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for investment in a financial product of a product sales amount corresponding to the financial product application (1300). The server inputs (or selects) financial product investment information corresponding to the financial product application form prepared by the customer in the terminal, and acquires predetermined image content corresponding to the financial product application through a predetermined image obtaining device. Create (or extract) a user interface for transmission to a server (1305) and generate (or And outputs to send the extracted) user interface to the mobile station (1310).

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and the investment amount information through the user interface (1315).

If the financial product investment information including at least one of the customer information and the investment amount information is input (or selected) through the user interface (1320), the terminal uses a predetermined image acquisition apparatus based on the user interface. Acquire image content corresponding to the financial product application (1325).

If image content corresponding to the financial product application is obtained through the image acquisition device (1330), the terminal transmits the financial product investment information and the image content to the server through the financial network (1335).

Thereafter, the server receives and reads the financial product investment information including at least one of the customer information and the investment amount information through the financial network to confirm the validity of the financial product investment information (1340).

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1345), the server generates predetermined financial product error information and transmits it to the terminal (1350), and the financial product registration procedure corresponding to the financial product investment information. Do not do it.

On the other hand, if the validity of the financial product investment information is authenticated (1345), the server generates a predetermined financial product electronic document containing the image content (1355).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a financial product electronic document for investment in the financial product of the product sale amount.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a financial product electronic document for the financial product investment of the product sales amount of the image file.

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 the like, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And a word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content, or By generating a web document file including the MHT, etc.), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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) including the image content received from the terminal device and the received financial product investment information. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the generated image content and the financial product investment information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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

Thereafter, the server stores the generated financial product electronic document in a predetermined electronic document storage (1360).

As shown in FIG. 7, the electronic document repository includes a predetermined electronic document server 760 and an electronic document D / B 780 linked with a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 760 through the communication means to store in the electronic document D / B (780).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 780, by which the present invention is not limited.

According to the method of the present invention, storing the financial product electronic document in the electronic document storage, the electronic document D shown in Fig. 7 by linking the generated financial product electronic document and predetermined electronic document management information It is preferable to include storing in / B (780).

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

The electronic document management information may further include financial institution information that transmits the financial instrument electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial product application form corresponding to the image content, financial institution information for transmitting the financial product electronic document, or electronic document file format information). , Or the financial product investment information).

If the financial product electronic document is stored in the electronic document repository (1365), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Generate (1370).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include beneficiary certificate information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. For example, it is preferable to generate a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

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

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1375). .

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 product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

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 product operation information in the ledger D / B in association with the financial system. It is desirable to.

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 product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, the investment amount information, the generated financial product operation information, and the generated financial account information included in the financial product investment information. Store in the storage medium 755 (1380)

According to an embodiment of the present invention, when the storage medium 755 is provided in the server or on a network associated with the server, the server may be connected to the customer information included in the received financial product investment information. Preferably, the storage medium 755 stores investment product information, financial product investment information, and at least one financial product operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 755 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 755). ) To generate (or extract) the details of storing the financial product investment information and transmit it to the terminal (1385).

According to an embodiment of the present invention, the storage medium 755 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system). The storage medium 755 may be a ledger D / B provided in the 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 755 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

14 is a diagram illustrating a non-face-to-face financial product subscription system for investment in financial products of a product sale amount according to another embodiment of the present invention.

In more detail, in FIG. 14, a customer (commodity purchase customer) who purchases tangible and intangible goods through the purchase product unique information registration system shown in FIG. After the product investment consent information is stored in the storage medium 1450, a predetermined customer (tangible or intangible product seller or product producer or product relay) includes at least one predetermined customer information and investment amount information through a predetermined financial product subscription interface. If the financial product investment information is provided to the financial institution (or fund subscription institution), the financial institution (or fund subscription institution) is provided to the financial product for the financial product investment of the product sales amount based on the financial product investment information. The present invention relates to a system for subscribing and opening a predetermined financial account for managing the financial products. Those skilled in the art will be able to infer various implementation methods for constructing a financial product subscription system for investment in financial products of a product sales amount by referring to or modifying the drawing 14. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer a financial product subscription system configuration by omitting or implementing the method of storing the financial product electronic document in the electronic document repository by referring to or modifying the drawing 14. In addition, in the case where the financial product electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 14, the electronic document storage is provided in a DBMS located in the financial product subscription system. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 14, the financial product electronic document is illustrated as being generated on the server side on the financial product subscription system, but the present invention is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) the financial instrument investment information (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the financial product electronic document). The present invention is not limited thereto.

Hereinafter, the financial product investment information is provided from the customer (tangible product seller or product producer or product relay) through a predetermined financial product subscription interface on the financial product subscription system shown in FIG. 14. Merchandise producer or commodity broker) to subscribe to the financial instrument, and at least one component or function corresponding to the functional configuration to generate a predetermined financial instrument electronic document and store it in a predetermined electronic document repository. Financial product server 1400 ".

Referring to FIG. 14 according to an embodiment of the present invention, a financial product subscription system for investing in a financial product of the product sales amount includes a wired terminal or a wireless terminal used by a customer (tangible or intangible product seller or product producer or product relay). And a terminal device including at least one or more client terminals, etc., wherein the terminal device is provided on the financial product subscription system through a predetermined network means. And communication channel are connected.

According to an embodiment of the present invention, the customer (tangible or intangible product seller or product producer or product relay) is the financial terminal through at least one or more of the wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the client accesses the product server 1400 and inputs (or selects) financial product investment information for investment in the financial product of the product sale amount through at least one user interface provided by the financial product server 1400, the client It is preferable that the terminal transmits to the financial product server 1400 provided on the financial product subscription system through a predetermined network means.

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 Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. 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 IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the financial product server 1400 connected to the client terminal is 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.

In addition, the network means for connecting the client terminal and the financial product server 1400 is a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based portable Internet or IEEE according to the type of wireless communication network connected to the client terminal It is preferable that any one of 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial product server 1400, and inputs or selects at least one or more information through the user interface to transmit to the financial product server 1400. It is preferable that a function configuration (eg, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial product server 1400, etc.) is provided.

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

In the financial product subscription system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer (tangible product seller or product producer or product relay), the client terminal and the financial product server (1400). At least one wired or wireless communication network that connects a) of the financial product subscription interface for registering the financial product investment information by the customer (tangible product seller or product producer or product relay) for investment in the financial product of the product sales amount Perform the function.

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 predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the financial product subscription system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial product server 1400. The financial network connecting to perform a function of the financial product subscription interface for registering the financial product investment information for the customer (tangible or intangible product seller or product producer or product intermediary) of the financial product investment of the product sales amount, or If the terminal device is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial product server 1400 is the customer (tangible goods) Financing for registering financial product investment information for investment in financial products by the seller or product producer or product relay); A terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device (not shown), the terminal (or server) (not shown) and the terminal ( Or a server) (not shown) and the network connecting the financial product server 1400 with the customer (tangible product seller or product producer or product relay) to register financial product investment information for investment in the financial product of the product sale amount. It functions as a financial product subscription interface.

The storage medium 1450 provided on the financial product subscription system according to the present invention includes the customer information, the investment amount information, the financial product operation information, and the financial account information included in the financial product investment information provided from the terminal device. Characterized in that to store the financial product investment history information including at least one.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

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

According to one embodiment of the invention, the storage medium 1450 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system), wherein the storage medium 1450 The storage medium 1450 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 1450 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial product server 1400 provided on the financial product subscription system according to the present invention is a generic term for the components of the financial product subscription system side connected to the terminal device through a predetermined network means, and includes at least one server (or Device) or at least one program 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 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 product server 1400 is connected to the Internet banking system. Is a predetermined Internet banking server provided in the, or a program provided 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 an external system on the financial system accessible through the Internet banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary 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 product server 1400 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 the server (or device) A program included in, 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 provided in the external system on the financial system. It may be a program, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the financial product server 1400 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 product server 1400 is on the TV banking system. Is a predetermined TV banking server provided in the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or Device) 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 in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to the embodiment of the present invention, the financial product server 1400 is characterized in that it comprises an interface unit 1405 for connecting and managing a predetermined communication channel with the terminal device through the network means.

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 1405 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 1405 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 product server 1400, the interface unit 1405 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 1405 may be connected to 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 1405 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 WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1405 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 financial product server 1400, the interface unit 1405 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1405 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 1405 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 1405 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. 14, when the terminal device connects a predetermined communication channel with the financial product server 1400 through the interface unit 1405, the financial product server 1400 finances the product sales amount. The terminal unit generates (or extracts) at least one user interface for inputting (or selecting) predetermined financial product investment information to the financial product server 1400 for product investment, and the interface unit 1405. Interface providing unit 1410 for providing the generated (or extracted) user interface to the terminal device, and inputting (or selecting) the financial product investment information through the user interface from the terminal device. In response to the interface unit 1405, an information receiving unit 1415 receiving the financial product investment information transmitted from the terminal device is obtained. And it characterized in that formed.

The interface providing unit 1410 connects a predetermined communication channel with the financial product server 1400 through the interface unit 1405, and then, the financial product server 1400 of the product sales amount. When requesting a user interface for financial product investment, the terminal device inputs (or selects) predetermined financial product investment information and transmits at least one user interface to the financial product server 1400 through the network means. It generates or extracts from a predetermined database (not shown), and provides the generated (or extracted) user interface to the terminal device through the network means in conjunction with the interface unit 1405.

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 1410 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 1405.

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 1410 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 ATM using the interface unit 1405.

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 1410 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 1405.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1410 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1405. 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 1410 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) predetermined financial product investment information to the terminal device and transmitting the predetermined financial product investment information to the financial product server 1400 through the network means. When the information registration program is provided, a user interface for inputting (or selecting) predetermined financial product investment information as described above to be transmitted to the financial product server 1400 is generated (or extracted) and provided to the terminal device. The interface providing unit 1410 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) financial product investment information including at least one of the customer information and investment amount information through the user interface, and inputs the input (or selected) financial product investment information to the network. The information receiving unit 1415 receives the financial product investment information transmitted from the terminal device in association with the interface unit 1405. do.

According to an exemplary embodiment of the present invention, the terminal apparatus may verify the validity of the financial product investment information in the financial product server 1400 in the financial product investment information including at least one of the customer information and the investment amount information. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the financial product server 1400 through the network means.

According to an exemplary 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) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope-based encryption method, a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the financial product investment information and transmit the same to the financial product server 1400 through the network means. Preferably, for this purpose, the terminal device has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate has a predetermined IC chip. (Or IC card), the official chip provided on the IC chip (or IC card) It is equipped with a card reader for identifying the certificate is preferred.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial instrument investment information and the technical characteristics of attaching a predetermined electronic signature to the financial product investment information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 14, when the financial product investment information transmitted from the terminal device is received through the information receiving unit 1415, the financial product server 1400 receives the received financial product investment information. Characterized in that it comprises a validity check unit (1420) to check whether the validity for the financial product investment.

According to an embodiment of the present invention, the financial instrument investment information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted, the validator 1420 is one or more decryption methods (for example, symmetric key-based decryption, public key-based decryption, or electronic) for the encrypted financial product investment 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 financial product investment information.

Alternatively, when a predetermined electronic signature is attached to the financial product investment information, the validity confirming unit 1420 checks the electronic signature attached to the financial product investment information, thereby validating the validity of the received financial product investment 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 financial product investment information, and technical features for confirming an electronic signature attached to the financial product investment information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the financial product investment information received through the information receiving unit 1415 further includes a predetermined password for confirming the validity of the financial product investment information, the validity checking unit 1420 ) Compares and authenticates the password included in the financial product investment information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received financial product investment information.

Alternatively, when the financial product investment information received through the information receiving unit 1415 further includes predetermined security card information for confirming the validity of the financial product investment information, the validity confirming unit 1420 may determine the validity of the financial product investment information. It is preferable to authenticate the validity of the received financial product investment information by comparing and authenticating the received security card information included in the financial product investment information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial product investment information received through the information receiving unit 1415 further includes a predetermined OTP code for confirming the validity of the financial product investment information, the validity confirming unit 1420 may include the financial information. The validity of the received financial product investment information is verified by comparing and authenticating the received OTP code included in the product investment information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 14, when the validity of the financial product investment information is authenticated through the validity checker 1420, the financial product server 1400 includes the predetermined financial product electronics including the received financial product investment information. And an electronic document transmission unit 1430 for generating a document and an electronic document transmission unit 1430 for transmitting the generated financial product electronic document to an electronic document repository associated with the financial product subscription system. .

The electronic document generation unit 1425 generates a financial product electronic document including the financial product investment information received from the terminal device through the information receiving unit 1415.

According to an exemplary embodiment of the present invention, the electronic document generating unit 1425 may include document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the document content, and an MHT. Web document files, etc.) is preferably processed as a financial product electronic document for the financial product investment of the product sales amount.

Alternatively, the electronic document generation unit 1425 generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415, and generates the document content into the document content. After including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document) Format file, electronic data interchange (EDI) file, word processor file including at least one of HWP / DOC, web document file including MHT), and the like. It is preferable to process the product electronic document.

Alternatively, the electronic document generating unit 1425 generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415, and generates the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) into a financial product electronic document for investment in a financial product of the product sale amount.

Alternatively, the electronic document generating unit 1425 generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415, and generates the document content. Watermarking method of capturing image contents (eg, image contents generated by capturing the document contents on a memory) at least one or more of customer information and investment amount information included in the investment information of the financial product After including, it is preferable to process an image file including the image content including the watermarking as a financial product electronic document for investment in financial products of the product sales amount.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1425 may include at least one document information including customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and generating the captured document content; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process it as an electronic document.

Alternatively, the electronic document generating unit 1425 generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415, and generates the document content. Watermarking method of capturing image contents (eg, image contents generated by capturing the document contents on a memory) at least one or more of customer information and investment amount information included in the investment information of the financial product At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; By generating a word processor file or a web document file including MHT). It is desirable to process electronic documents in financial instruments for investment.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1425 includes at least one document including customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415. A predetermined document file (e.g., a PDF file) including content, image content (e.g., image content generated by capturing the document content on a memory) and the financial product investment information. Finance the product sales amount by generating a Portable Document Format (EDI) file, 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 process the financial instrument electronic documents for investment in commodities.

Alternatively, the electronic document generating unit 1425 generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1415, and generates the document content. Watermarking method of capturing image contents (eg, image contents generated by capturing the document contents on a memory) at least one or more of customer information and investment amount information included in the investment information of the financial product A document file including an image content including the watermarking and the investment information of the financial product, such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP. / DOC, or a word processor file including at least one, or a web document file including the MHT, etc.) It is desirable to treat the amount of the instrument sales as an electronic document for financial instrument investment.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 1425 generating a financial product electronic document in an image file format or a predetermined document file format, and the financial product electronic document. Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 1430 may transmit and store the financial product electronic document generated by the electronic document generation unit 1425 to a predetermined electronic document repository associated with the financial product subscription system.

As shown in FIG. 14, the electronic document repository includes a predetermined electronic document server 1455 and an electronic document D / B associated with the financial product server 1400 on the financial product subscription system through predetermined communication means. When provided to the outside, the electronic document transmission unit 1430 transmits the financial product electronic document generated by the electronic document generation unit 1425 to the electronic document server 1455 through the communication means. It features.

Herein, when the electronic document server 1455 and the electronic document D / B are provided outside the financial product subscription system, the electronic document server 1455 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the electronic document transmission unit 1430 is generated by the electronic document generation unit 1425. It is possible to store the financial product electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the financial product subscription system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1430 may input electronic document related information (for example, inputting the financial product investment information) for generating predetermined electronic document management information in the electronic document server 1455. And the customer information, or the financial institution information for transmitting the financial instrument electronic document, or the electronic document file format information, or the financial instrument investment information, etc.). The present invention is not limited thereby.

Referring to FIG. 14, the financial product server 1400 may verify that the financial product investment information received through the information receiving unit 1415 is valid for the financial product investment of the product sales amount through the validity checking unit 1420. When the authentication, the information generation unit 1435 for generating predetermined financial product operation information corresponding to the financial product based on the customer information, investment amount information included in the financial product investment information that is validated, and the financial And a financial account processing unit 1440 for opening and processing a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the product investment information.

When the validity of the financial product investment information is confirmed by the validity confirming unit 1420, the information generating unit 1435 may be provided to the financial product based on the customer information and the investment amount information included in the financial product investment information. And generate corresponding financial product management information.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the information generator 1435 corresponds to the financial product based on customer information and investment amount information included in the financial product investment information. It is preferable to generate the beneficiary certificate information (eg, the beneficiary certificate attribute including the predetermined securities number and the expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the information generator 1435 may be based on the customer information and investment amount information included in the financial product investment information. Deposit information (or savings information) corresponding to a deposit (or deposit property including an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.) It is preferable to generate.

The financial account processing unit 1440 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 is provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the product sales amount corresponding to the financial product investment information It is characterized by opening a predetermined financial account for investment in financial products.

When the financial product server 1400 and the financial system exist in the same system according to an exemplary embodiment of the present invention, the financial account processing unit 1440 operates the financial product in the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger containing the information.

According to another exemplary embodiment of the present invention, when the financial product server 1400 and the financial system exist on another system connected through a predetermined communication means, the financial account processor 1440 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 product operation information through the external system on the financial system.

Referring to FIG. 14, the financial product server 1400 may verify that the financial product investment information received through the information receiving unit 1415 is valid for the financial product investment of the product sales amount through the validity checking unit 1420. Upon authentication, the customer information and investment amount information included in the financial product investment information of which the validity is authenticated, and the financial product operation information generated by the information generating unit 1435 and the financial account processing unit 1440 are generated. And an information storage unit 1445 for storing financial product investment history information including at least one financial account information in a predetermined storage medium 1450.

When the validity of the financial product investment information is confirmed by the validity confirming unit 1420, the information storage unit 1445 includes at least one of the customer information and the investment amount information included in the financial product investment information. The financial product investment history information is stored in the storage medium 1450.

In addition, when the financial product operation information generated by the information generating unit 1435 is generated, the information storage unit 1445 further includes the generated financial product operation information in the financial product investment history information. It is preferable to store in the storage medium 1450.

In addition, the information storage unit 1445 further includes the financial account information opened in the financial product investment history information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. It is preferable to store in the storage medium 1450.

According to an embodiment of the present invention, when the storage medium 1450 is provided in the financial product server 1400 or on a network associated with the financial product server 1400, the information storage unit 1445 Store the financial product investment details in the storage medium 1450 including at least one of the customer information, the investment amount information and the financial product operation information and financial account information included in the received financial product investment information. desirable.

According to another exemplary embodiment of the present invention, when the storage medium 1450 is provided in a DBMS provided on a financial system, the information storage unit 1445 may include the customer information included in the received financial product investment information. It is preferable to provide financial instrument investment history information including investment amount information and at least one financial product operation information and financial account information to an 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. 14, an electronic document server 1455 that receives a predetermined financial product electronic document from the financial product server 1400 provided on the financial product subscription system and stores and manages the electronic document D / B in a predetermined electronic document D / B. ), An electronic document receiving unit 1460 for receiving a predetermined financial product electronic document from the financial product server 1400 through a predetermined communication means, and storing the received financial product electronic document in the electronic document D / B. An information generation unit 1465 for generating predetermined electronic document management information for managing the electronic document, and an electronic document storage unit for storing the electronic document management information and the financial product electronic document in a predetermined electronic document D / B. It is characterized by comprising (1470).

The electronic document receiving unit 1460 receives the financial product electronic document in the form of an image file or a document file from the financial product server 1400 through the communication means.

According to the exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 1460 through the communication means is included in the financial product investment information received by the financial product server 1400 from the terminal device. 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 of customer information and investment amount information. Word processor files, or web document files containing MHT).

Alternatively, the financial product electronic document received by the electronic document receiving unit 1460 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1400 from the terminal device. Documents including document content including the watermarking after including at least one or more information of the customer information, investment amount information included in the financial product investment information in the watermarking method in the document content including at least one or more A 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.

Alternatively, the financial product electronic document received by the electronic document receiver 1460 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1400 from the terminal device. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the financial product electronic document received by the electronic document receiver 1460 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1400 from the terminal device. At least one of customer information and investment amount information included in the financial product investment information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more document contents. After including the information in a watermarking manner, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 1460 through the communication means is included in the financial product investment information received by the financial product server 1400 from the terminal device. A predetermined document file (e.g., PDF) including image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and investment amount information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

Alternatively, the financial product electronic document received by the electronic document receiver 1460 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1400 from the terminal device. At least one of customer information and investment amount information included in the financial product investment information in image content (eg, image content generated by capturing the document content on a memory) including at least one document content; Generate image content including the above information by a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking. , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). It is made by also being preferred.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 1460 through the communication means is based on the financial product investment information received by the financial product server 1400 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) and document information including at least one of customer information and investment amount information included therein, and a predetermined value including investment information of the financial product. 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 financial product electronic document received by the electronic document receiver 1460 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1400 from the terminal device. At least one of customer information and investment amount information included in the financial product investment information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more contents. Generate image content including the above information by a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file, or EDI) including the watermarking image content and the financial product investment information. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or MHT. It is preferred which comprises a web, such as a document file) to.

The information generation unit 1465 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 1460, and the financial information through the electronic document receiving unit 1460 And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 1465 refers to the financial product electronic document by referring to the financial product server 1400 that has transmitted the financial product electronic document received through the electronic document receiving unit 1460. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising 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 product server 1400 through the electronic document receiving unit 1460, the information generating unit 1465 receives the received information. Electronic document related information (for example, customer information transmitted by inputting (selecting) the financial product investment information, financial institution information transmitting the financial product electronic document, electronic document file format information, or financial product investment information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 1470 associates a financial product electronic document received through the electronic document receiving unit 1460 with electronic document management information generated through the information generating unit 1465 to process a predetermined electronic document D /. It is characterized by storing in B.

According to the exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 is the financial product investment information received by the financial product server 1400 from the terminal device. 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 of customer information and investment amount information included in the information. Or a web document file including the MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 may include customer information and investment included in the financial product investment information received by the financial product server 1400 from the terminal device. After the watermarking method includes at least one or more of the customer information and the investment amount information included in the financial product investment information in the document content including at least one amount of money information, the document content including the watermarking is included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or 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 financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 may include customer information and investment included in the financial product investment information received by the financial product server 1400 from the terminal device. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 may include customer information and investment included in the financial product investment information received by the financial product server 1400 from the terminal device. Customer information and investment amount information included in the investment information of the financial product in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one amount of money information. After including at least one of the information 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, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 is a financial product investment received by the financial product server 1400 from the terminal device. A predetermined document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the information and investment amount information. For example, 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 MHT) may be included. Do.

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 may include customer information and investment included in the financial product investment information received by the financial product server 1400 from the terminal device. Among the customer information and the investment amount information included in the financial product investment information in the image content (eg, the image content generated by capturing the document content on the memory) which captured document content including at least one amount of money information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. File), a word processor file including at least one of HWP / DOC, or a web document file including MHT). And it is preferably made.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 is a financial product received by the financial product server 1400 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) and the financial product investment information, which capture document content including at least one of customer information and investment amount information included in the investment information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1470 may include customer information and investment included in the financial product investment information received by the financial product server 1400 from the terminal device. Among the customer information and the investment amount information included in the financial product investment information in the image content (eg, the image content generated by capturing the document content on the memory) which captured document content including at least one amount of money information. Generating image content including at least one or more information by a watermarking method, a document file including the watermarking image content and the financial product investment information (eg, a Portable Document Format (PDF) file, Or an EDI file, a word processor file including at least one of HWP / DOC, or the like, or MHT. It is preferably made of, including the web document file).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1470 in association with the financial product electronic document is assigned to the financial product electronic document. Preferably, the electronic document contains a 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 1470 in association with the financial product electronic document is transmitted to the financial product electronic document. Preferably, the financial product server 1400 may further include information on a financial institution that transmits the financial product electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial product server 1400, the electronic document storage unit 1470 processes the electronic product by linking with the financial product 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 transmitted by inputting (selecting) the financial product investment information) or a financial institution that transmits the financial product electronic document. Information, electronic document file format information, or financial instrument investment information).

FIG. 15 illustrates an implementation method in which a storage medium 1450 for storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention. .

More specifically, FIG. 15 is provided in the ledger D / B when the storage medium 1450 shown in FIG. 14 is the ledger D / B provided in the DBMS on the financial system or the ledger D / B. The information structure for one embodiment of the financial product investment history information is stored in the ledger information, and if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 15 Various information construction methods for storing the financial product investment history 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 FIG. 15 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger and the customer ledger and is shown in FIG. The account ledger corresponding to the financial product subscribed through the product subscription 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, The ledger D / B provided in the DBMS on the system maintains at least one ledger (for example, a ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for management is included, and that the technical details of Since there will be, 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. At least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the ledger, amount of trust, par value, pension date and number of shares. 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 details, including at least one of the following, brief, CIF, etc.

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

According to an embodiment 15 of the present invention, the storage medium 1450 is the ledger D / B, or includes an implementation method provided in the ledger D / B. Additional information added to the account ledger, the financial product investment history information including at least one of the customer information and investment amount information and the financial product operation information and financial account information included in the financial product investment information provided through the product subscription system It is characterized in that it is stored in the form.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc., including the deposit (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute preferably comprises the beneficiary certificate attribute.

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

According to another exemplary embodiment of the present invention, the financial product investment 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.

16 is a storage medium 1450 for storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner in accordance with another embodiment of the present invention linked with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a compiled database.

In more detail, FIG. 16 illustrates an information structure of an embodiment in which the storage medium 1450 illustrated in FIG. 14 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 financial product investment details in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 16. Although the construction method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 16, when it is not easy to store the investment information of the financial product in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, in 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 financial product investment history 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. 16 need not be provided on a DBMS provided on a financial system as in the implementation method 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. 16, the storage medium 1450 includes a database associated with a ledger D / B provided in a DBMS on a financial system. And the financial product investment history information including at least one of the included customer information, investment amount information, and the financial product operation information and financial account information, wherein the financial product investment history information is stored in the ledger D / B. In order to be processed in conjunction with the financial product investment history information preferably further comprises a CIF number corresponding to the ledger information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable to include the amount of money information to be described below.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

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

17 illustrates an embodiment of the present invention in which a storage medium 1450 for storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner includes a DBMS provided in a banking server. Figure is shown.

More specifically, FIG. 17 shows a DBMS in which a storage medium 1450 shown in FIG. 14 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. The present invention provides a method for providing a financial product stored in a predetermined DBMS provided in at least one or more banking servers by referring to or modifying the drawing 17. It is possible to infer a method of constructing information on investment details information, but 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, the storage medium 1450 includes a DBMS provided in a banking server. Referring to FIG. 17, a predetermined DBMS provided in the banking server is included in the financial product investment information. And storing the financial product investment history information including at least one of the customer information, the investment amount information, and the financial product operation information and the financial account information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

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

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

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

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

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

18A and 18B illustrate a financial product subscription process for investment in financial products of a product sale price in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 18A and 18B illustrate a web server function in which a terminal device on the financial product subscription system shown in FIG. 14 is a client terminal, and the financial product server 1400 is accessible to a client terminal through a predetermined network means. In the case of having a customer, if a predetermined customer to provide financial product investment information including at least one or more customer information, investment amount information through the client terminal to subscribe to a financial product for investment in financial products of the product sales amount And a method for subscribing to the financial product for investment in financial products of the product sales amount based on financial product investment information including at least one of the customer information and investment amount information in the financial product subscription system. Persons of ordinary skill in the art to which the present invention pertains, FIG. 18A and FIG. Although various implementation methods of registering the financial product investment information from the client terminal to the financial product server 1400 may be inferred by referring to page 18b or modified, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in this figure 18a and 18b.

For example, although the method shown in FIGS. 18A and 18B includes a process of generating a predetermined electronic document corresponding to the financial product investment 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.

18A and 18B provide a user interface through which the client terminal inputs (or selects) the financial product investment information through a predetermined web page provided by the financial product server 1400. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial product server 1400, and the present invention is not limited thereto.

Hereinafter, in FIGS. 18A and 18B, the client terminal illustrated in FIG. 14 is referred to as a “terminal” for convenience, and the financial product server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience. The customer information and the investment amount information transmitted to the financial product server 1400 are referred to as "financial product investment information" for convenience.

18A and 18B, when the client terminal illustrated in FIG. 14 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, Access a 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, etc., connect a predetermined communication channel, and invest the financial product of the product sales amount. When requesting a web page including a user interface for (1800), in response to the server inputs (or selects) the financial product investment information including at least one or more of the customer information, investment amount information sent to the server Generating (or extracting) a web page comprising a user interface for (1805) and generating (or via the network means) And it outputs the web page containing the Exodus), the user interface transmitted to the mobile station 1810.

According to an embodiment 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 financial product investment information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) financial product investment information including at least one or more customer information and investment amount information through a user interface included in the web page (1815).

If the terminal inputs (or selects) financial product investment information including the customer information and investment amount information through the user interface (1820), the terminal receives the input (or selects) through the communication channel. Information and investment amount information are transmitted to the server (1825).

According to an embodiment of the present invention, the terminal has a predetermined password or security card for confirming the validity of the financial product investment information in the server to the financial product investment information including at least one of the customer information, investment amount information. It is preferable to further include at least one or more information or OTP code generated through a predetermined one time password (OTP) generator to the server via 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) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope based encryption method, a key exchange based encryption method, or the like), or attach a predetermined electronic signature to the investment information of the financial product and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate is provided on a predetermined IC chip (or IC card). If yes, to confirm the certificate of authentication provided in the IC chip (or IC card) It is preferable that a card reader 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) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. For this purpose, the terminal transmits at least one encryption key corresponding to the encryption method. 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), provided on the IC chip (or IC card). It is desirable to have a card reader for verifying the public certificate.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial instrument investment information and the technical characteristics of attaching a predetermined electronic signature to the financial product investment information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the investment amount information through the communication channel to confirm the validity of the financial product investment information (1830).

According to an embodiment of the present invention, the financial instrument investment information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted, the server may include at least one decryption method (eg, 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 method) to verify the validity of the received financial instrument investment information.

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

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

When the financial product investment information received through the information receiving unit 1415 further includes a predetermined password for confirming the validity of the financial product investment information according to an exemplary embodiment of the present invention, the server may be configured to provide the financial product investment information. It is preferable to authenticate the validity of the received financial product investment information by comparing and authenticating a password included in the investment information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial product investment information received through the information receiving unit 1415 further includes predetermined security card information for confirming the validity of the financial product investment information, the server may include information on the financial product investment information. It is preferable to authenticate the validity of the received financial product investment information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial product investment information received through the information receiving unit 1415 further includes a predetermined OTP code for checking the validity of the financial product investment information, the server is included in the financial product investment information. It is preferable to authenticate the validity of the received financial product investment information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. .

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include checking that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1835), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1840), and performs the financial product subscription procedure. I never do that.

On the other hand, if the validity of the financial product investment information is authenticated (1835), the server generates predetermined document content including the at least one or more customer information, investment amount information including the financial product investment information (1845), A predetermined financial product electronic document including the document content is generated (1850).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and includes a document file (eg, the document content). , 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 desirable to treat the product as a financial instrument electronic document for investment in commodities.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and the customer information and investment amount included in the financial product investment information in the document content. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). It is preferable to process the image file including the image content generated by capturing on the memory as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). Image content generated by capturing the image on a memory) by including at least one or more information of customer information and investment amount information included in the investment information of the financial product in a watermarking manner, and then including the image content including the watermarking. It is preferable to process the image file including a financial product electronic document for investment in financial products of the product sales amount.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating at least one word processor file, or a web document file including the MHT, etc.), it is preferable to process the product sales amount as a financial product electronic document for investment in financial products.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image on the memory) to generate the image content including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in a watermarking (watermarking) method, A document file including an image content included (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 including an MHT). Document file, etc.), and process the product sales amount as a financial product electronic document for investment in financial products. It is desirable to.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing an image content (e.g., image content generated by capturing the document content on a memory) and the investment information of the financial product. File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process the product sales amount as a financial product electronic document for investment in financial products. Do.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image on the memory) to generate the image content including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in a watermarking (watermarking) method, A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the included image contents and the investment information of the financial product, Or a web document file including an MHT) to invest the financial product of the selling amount of the product. It is desirable to process financial instruments electronically.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1855).

As shown in FIG. 14, the electronic document storage is provided externally including a predetermined electronic document server 1455 and an electronic document D / B connected to a server on the financial product subscription system through predetermined communication means. In this case, the server preferably transmits the generated financial instrument electronic document to the electronic document server 1455 through the communication means and stores the electronic document server 1455 in the electronic document D / B.

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

According to an embodiment of the present invention, storing the financial instrument electronic document in the electronic document repository may be performed by linking the generated financial instrument electronic document with predetermined electronic document management information to display the electronic document D shown in FIG. It is preferable to include storing in / B.

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

The electronic document management information may further include financial institution information that transmits the financial instrument electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial product investment information, or financial institution information transmitting the financial product electronic document, or electronic document file). Format information, or the financial product investment information).

If the financial product electronic document is stored in the electronic document storage room (1860), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Create (1865).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include beneficiary certificate information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. For example, it is preferable to generate a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

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

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1870). .

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 product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

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 product operation information in the ledger D / B in association with the financial system. It is desirable to.

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 product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, the investment amount information, the generated financial product operation information, and the generated financial account information included in the financial product investment information. Store in storage medium 1450 (1875)

According to an exemplary embodiment of the present invention, when the storage medium 1450 is provided in the server or on a network connected to the server, the server includes the customer information included in the received financial product investment information. Preferably, the storage medium 1450 stores financial product investment history information including investment amount information, financial product operation information, and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1450 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 1450). ) To generate (or extract) the details of storing the financial product investment information and transmit it to the terminal (1880).

According to one embodiment of the invention, the storage medium 1450 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system), wherein the storage medium 1450 The storage medium 1450 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 1450 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

19A, 19B, and 19C are diagrams illustrating a financial product subscription process for investment in financial products of a product sale amount according to one embodiment of the present invention.

More specifically, FIGS. 19A, 19B, and 19C illustrate the financial product subscription system shown in FIG. 14 when the financial product subscription system is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, the financial product shown in FIG. 14). In the case where the financial product server 1400 on the subscription 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, the client terminal transmits predetermined financial product investment information to the Internet banking server in order to subscribe to a financial product for financial product investment of the product sale amount, and the customer information and investment amount in the internet banking server. The financial product investment of the product sales amount based on the financial product investment information including at least one information; If the person of ordinary skill in the technical field to which the present invention belongs, the reference to the present invention 19a, 19b and 19c, or through other types of non-face-to-face financial transaction channel Various implementation methods for registering the financial product investment information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 19A, 19B, and 19C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 19A, 19B, and 19C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering financial product investment information between the client terminal and the internet banking server based on a program is illustrated, a 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. 19a, 19b, and 19c. between Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering financial product investment information to the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, thereby The present 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 the figures 19a, 19b and 19c, 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 financial product investment information. 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. 19A, 19B and 19C. It is never limited to banking.

In addition, although the embodiment shown in FIGS. 19A, 19B, and 19C 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 figures 19a, 19b and 19c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial product server 1400 is referred to as "server" for convenience.

19A, 19B, and 19C, when the terminal executes a browser program and accesses the server through the TCP / IP based network (1900a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1905a), wherein the communication channel is generated (or extracted) from the server at the request of a browser program provided to the terminal 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 (and May allocate a communication channel for transmitting and 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 ( 1910a).

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 (1915a), 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 (1920a).

If the terminal does not need to install or update the latest version of the security module for internet banking (1925a), or if the terminal does not need to load or update the security module for internet banking (1915a), the server is mounted on the terminal. By activating the security module for Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a secure channel) (1930a), where the security channel for Internet banking Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds 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 for registration of investment information of the financial product 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 exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) or encrypted and provided by 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 investment information of the financial product in the terminal. Attach a signature or at least one encryption method (and Is encrypted with 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). Means a communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer 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 (1935a).

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.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, and 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) (1940a). In operation 1945a, the server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1950a), the server blocks the Internet banking security channel for the terminal (1955a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1950a), 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 (1960a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined financial product investment information for financial product investment of a product sale amount from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for investing the financial product of the product sales amount to the server through an internet banking-based financial transaction channel (1900b), the server correspondingly requests the customer information, Generating (or extracting) a web page including a user interface for inputting (or selecting) financial product investment information including at least one investment amount information and transmitting the same to the server (1905b); The webpage including the generated (or extracted) user interface is transmitted to the terminal and output through the channel (1910b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) financial product investment information including at least one of customer information and investment amount information in the terminal. In order to verify the validity of an Internet banking customer requesting to register financial instrument investment information, 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) (eg, an Internet banking application process (or after the Internet banking application) further includes a user interface for inputting a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. It is preferable.

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

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and investment amount information through the financial product subscription interface (1915b).

If the terminal inputs (or selects) financial product investment information including the customer information and the investment liquid crystal beam through the user interface (1920b), the terminal inputs (or selects) the information through the financial transaction channel. The financial instrument investment information is transmitted to the server (1925b).

According to an embodiment of the present invention, the terminal has a predetermined password or security card for confirming the validity of the financial product investment information in the server to the financial product investment information including at least one of the customer information, investment amount information. It is preferable to further include at least one or more information or OTP code generated through a predetermined one time password (OTP) generator to the server via 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) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope based encryption method, a key exchange based encryption method, or the like), or attach a predetermined electronic signature to the investment information of the financial product and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate is provided on a predetermined IC chip (or IC card). If yes, in order to check the certified certificate provided on the IC chip (or IC card) It is preferably provided with a card reader.

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) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or a predetermined certificate provided with at least one encryption key, or provided with the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial instrument investment information and the technical characteristics of attaching a predetermined electronic signature to the financial product investment information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the financial product investment information through the financial transaction channel to confirm the validity of the financial product investment information (1930b).

According to an embodiment of the present invention, the financial instrument investment information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted, the server may include at least one decryption method (eg, 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 the validity of the received financial instrument investment information.

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

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial product investment information, and technical features for confirming an electronic signature attached to the financial product investment 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 financial product investment information further includes a predetermined password for checking the validity of the financial product investment information, the server is included in the financial product investment information and received. By comparing and authenticating a password and a password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial product investment information.

Alternatively, when the received financial product investment information further includes predetermined security card information for confirming the validity of the financial product investment information, the server includes the received security card information included in the financial product investment 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 financial product investment information.

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

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1935b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1940b) and performs the financial product subscription procedure. I never do that.

On the other hand, if the validity of the financial product investment information is authenticated (1935b), the server generates predetermined document content including at least one or more customer information and investment amount information including the financial product investment information (1945b), A predetermined financial instrument electronic document including the document content is generated (1950c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and includes a document file (eg, the document content). , 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 desirable to treat the product as a financial instrument electronic document for investment in commodities.

Alternatively, the server may generate document content including at least one of customer information and investment amount information included in the received financial product investment information, and the customer information and investment amount included in the financial product investment information in the document content. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). It is preferable to process the image file including the image content generated by capturing on the memory as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). Image content generated by capturing the image on a memory) by including at least one or more information of customer information and investment amount information included in the investment information of the financial product in a watermarking manner, and then including the image content including the watermarking. It is preferable to process the image file including a financial product electronic document for investment in financial products of the product sales amount.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating at least one word processor file, or a web document file including the MHT, etc.), it is preferable to process the product sales amount as a financial product electronic document for investment in financial products.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image content including the at least one of customer information and investment amount information included in the investment information of the financial product in a watermarking method, and generating the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) including an image content included therein, or an MHT. By generating a web document file, etc., thereby processing the product sales amount as a financial product electronic document for investment in financial products. It is desirable to.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing an image content (e.g., image content generated by capturing the document content on a memory) and the investment information of the financial product. File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process the product sales amount as a financial product electronic document for investment in financial products. Do.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image on the memory) to generate the image content including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in a watermarking (watermarking) method, A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the included image contents and the investment information of the financial product, Or a web document file including an MHT) to invest the financial product of the selling amount of the product. It is desirable to process financial instruments electronically.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1955c).

As shown in FIG. 14, the electronic document repository is provided externally including a predetermined electronic document server 1455 and an electronic document D / B associated with a server on the financial product introduction system through predetermined communication means. In this case, the server preferably transmits the generated financial instrument electronic document to the electronic document server 1455 through the communication means and stores the electronic document server 1455 in the electronic document D / B.

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

According to an embodiment of the present invention, storing the financial instrument electronic document in the electronic document repository may be performed by linking the generated financial instrument electronic document with predetermined electronic document management information to display the electronic document D shown in FIG. It is preferable to include storing in / B.

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

The electronic document management information may further include financial institution information transmitting the financial product electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial product investment information, or financial institution information transmitting the financial product electronic document, or electronic document file). Format information, or financial instrument investment information).

If the financial product electronic document is stored in the electronic document storage unit (1960c), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Generates (1965c).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include beneficiary certificate information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. For example, it is preferable to generate a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

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

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1970c). .

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 product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

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 product operation information in the ledger D / B in association with the financial system. It is desirable to.

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 product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, the investment amount information, the generated financial product operation information, and the generated financial account information included in the financial product investment information. Store in storage medium 1450 (1975c)

According to an exemplary embodiment of the present invention, when the storage medium 1450 is provided in the server or on a network connected to the server, the server includes the customer information included in the received financial product investment information. Preferably, the storage medium 1450 stores financial product investment history information including investment amount information, financial product operation information, and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1450 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, a history of storing the financial product electronic document in the electronic document repository, or the storage medium 1450). ) To generate (or extract) the details of storing the financial product investment information and transmit it to the terminal (1980c).

According to one embodiment of the invention, the storage medium 1450 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system), wherein the storage medium 1450 The storage medium 1450 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 1450 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

According to the present invention, through the financial investment according to the purchase of tangible and intangible products, the purchase of tangible and intangible products has the advantage that it is possible to generate interesting new revenues at the same time as the purchase of goods.

Commodity sellers have the advantage of being able to increase their profits and create new revenue sources from financial investments.

In addition to financial product sales revenue, financial institutions can secure product sellers and product sales customers as new customers.

Claims (4)

Storing product sales amount investment information including at least one of tangible product information, sale amount investment condition information, and profit distribution condition information for investment in financial products of the sale amount of the tangible product in a storage medium; Receiving financial product investment agreement information including at least one of customer information of a customer who has purchased tangible and intangible products from the terminal, and unique information of the purchased product; Identifying information of producers (or sellers or brokers) of tangible and intangible products corresponding to the purchase product specific information included in the financial product investment agreement information in association with the storage medium; Providing financial product investment agreement information of the product purchase customer to a terminal of the identified product producer (or seller or intermediary); And Receiving financial product investment information for investing a part of the product sales amount in the financial product corresponding to the provided financial investment agreement information from the product producer (or seller) terminal; How to treat investments in financial instruments delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Storage means for storing product sales amount investment information including one or more of tangible product information, sales amount investment condition information, and profit distribution condition information for investment in financial products of the tangible product sale amount; When the financial product investment agreement information including one or more customer information of the customer who purchased the tangible or intangible product and the purchase product unique information is received from the terminal, the investment product unique information included in the financial product investment agreement information is linked to the storage medium. A relay means for identifying corresponding tangible or intangible goods producers (or sellers or intermediaries) and providing financial agreement investment consent information of the goods purchase customers to terminals of the identified goods producers (or sellers or intermediaries); And When the financial product investment information for investing a part of the product sales amount in the financial product corresponding to the provided financial investment agreement information is received from the terminal of the product producer (or seller), the financial product investment information is received using the received financial product investment information. Financial product investment processing system according to the product purchase, characterized in that comprises; financial product subscription means for processing to subscribe to the financial product.

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