KR101471926B1 - Processing method for financial products admission and financial server for the same - Google Patents

Abstract

A method for a financial server to process a financial product subscription includes receiving subscription period information from a customer terminal of a customer using a financial institution that operates the financial server, sorting a plurality of financial products corresponding to the subscription period information by interest rate The method comprising the steps of: generating a list of financial products, acquiring financial information of a customer including a second financial instrument to which the customer subscribes to the financial institution when the first financial product is selected from the financial product list, A first additional interest rate arising from the addition of the second financial product is calculated when at least one of the plurality of cross products linked to the first financial product corresponds to the second financial product, Calculating a final interest rate of the first financial instrument by summing the first additional interest rate, calculating a plurality of cross products and an award Generating a user screen including a final interest rate of the first financial product, and performing a subscription process of the first financial product when the first financial product subscription request information is received from the customer terminal .

Description

TECHNICAL FIELD [0001] The present invention relates to a method for processing a financial product,

The present invention relates to a method of processing a financial instrument registration and a financial server performing the method, and more particularly, to a financial instrument registration processing method and a financial server performing the method, which provide convenience in a process of a customer joining a financial instrument.

Generally, it is advantageous for a customer to become a good customer of a financial institution by using one financial institution rather than using a plurality of financial institutions. The financial institution evaluates the customer's creditworthiness according to the period of the customer's transaction with the financial institution, the type and amount of the financial product to which the customer has subscribed, and provides interest benefits to savings, deposits, and loans according to the customer's credit rating .

In addition, financial institutions provide interest rates on financial products that customers want to subscribe to, depending on the financial products or financial services they are using. For example, if a customer who opens a payroll account at a financial institution wants to subscribe to a savings product at the financial institution, the financial institution may provide the interest rate benefit by applying the additional interest rate to the customer.

There may be differences in terms of providing additional interest rates for similar categories of financial instruments operated by a single financial institution (eg, various types of savings products). For example, a single savings product may provide an additional interest rate of 0.1% to a payroll customer while the other one may provide an additional interest rate of 0.3% .

Generally, a customer chooses a financial instrument with a high interest rate when he or she wants to sign up for a deposit or a savings product. However, customers may have more interest rates if they choose a financial instrument with higher interest rates, considering the financial instruments that are associated with the financial institution. For example, a single savings product has a base interest rate of 3.2%, no interest rate, and a final interest rate of 3.2%, while the other one has a base rate of 3.1%, but an additional interest rate of 0.3% 3.4%. In this case, the customer will, of course, choose a savings product with a final interest rate of 3.4%.

However, if the customer compares the base interest rates of a number of savings products, identifies the conditions under which additional interest rates for a number of savings products are provided, identifies the types of financial products to which they are subscribed, It is very troublesome to check the final interest rate, which is the sum of the additional interest rate and the basic interest rate.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a financial product registration processing method and a financial server for performing the method, which provide convenience in the process of joining a financial product.

A method for processing a financial product subscription according to an exemplary embodiment of the present invention includes receiving subscription period information from a customer terminal of a customer using a financial institution that operates the financial server, The method comprising the steps of: generating a list of financial products by sorting the financial products of the financial product in the order of interest, selecting a first financial product from the financial product list, Calculating a first additional interest rate according to the joining of the second financial instrument when the second financial instrument corresponds to at least one of a plurality of cross products linked to the first financial instrument, Calculating a final interest rate of the first financial instrument by adding the first additional interest rate to a basic interest rate of the first financial instrument, Generating a user screen including a plurality of cross products related to the first financial product and a final interest rate of the first financial product when the first financial product registration request information is received from the customer terminal; .

Receiving a cross product subscription request message from the customer terminal after creating the user screen and performing a subscription processing of a cross product corresponding to the cross product purchase request message from the cross product have.

The method comprising the steps of: uploading the cross-merchandise to the financial information of the customer when the subscription process of the cross-product is performed; and calculating a second additional interest rate according to the cross- And adding the first additional interest rate and the second additional interest rate to the basic interest rate of the product to ship the final interest rate of the first financial product.

Receiving a first consultation connection request message after receiving the cross product subscription request message from the customer terminal and transmitting a second consultation connection request message to the employee terminal according to the first consultation connection request message .

The first consultation connection request message and the second consultation connection request message may include the telephone number of the customer.

Receiving a consultation response message corresponding to the second consultation connection request message from the employee terminal, generating a dual user screen including a first user screen and a second user screen linked to the first user screen, And transmitting the first user screen to the client terminal and transmitting the second user screen to the employee terminal.

The cross product subscription request message may include a telephone number of the customer.

The step of performing the subscription processing of the cross product includes the steps of transmitting a text message including URL (uniform resource locator) information to the telephone of the customer, and transmitting the text message to the customer via the URL And transmitting the data.

A financial server according to another embodiment of the present invention includes a subscription period selection unit for receiving subscription period information from a customer terminal of a customer using a financial institution, a plurality of financial products corresponding to the subscription period information, A customer information loading unit for obtaining the financial information of the customer including the second financial product to which the customer subscribes to the financial institution, a second financial product selecting unit for selecting the first financial product selected from the financial product list, Wherein the first additional interest rate is calculated by adding the first additional interest rate to the first financial product when the second financial product is associated with at least one of the plurality of cross products, An interest rate calculating unit for calculating an interest rate of the first financial product by summing the first interest rate and the second interest rate, A screen generating unit for generating a user screen including a product derivation unit, the cross product, and a final interest rate of the first financial product; and a display unit for displaying, when the first financial product subscription request information is received from the customer terminal, And a financial product subscription unit for performing a subscription process of the financial product.

The financial product subscription unit may perform a subscription process for a cross product corresponding to the cross product subscription request message from the cross product when receiving the cross product subscription request message from the customer terminal.

Further comprising a customer information uploading unit for inserting the cross-processed goods into the financial information of the customer, wherein the interest calculating unit calculates a second additional interest rate based on the cross-processed goods, The final interest rate of the first financial instrument may be calculated by adding the first additional interest rate and the second additional interest rate to the interest rate.

And a consultation connection request unit for receiving a first consultation connection request message from the customer terminal and transmitting a second consultation connection request message to the employee terminal according to the first consultation connection request message.

Further comprising a consultation response receiver for receiving a consultation response message corresponding to the second consultation connection request message from the employee terminal, wherein the screen generator comprises a first user screen and a second user screen linked to the first user screen And transmits the first user screen to the client terminal, and transmits the second user screen to the employee terminal.

Wherein the cross product subscription request message includes the telephone number of the customer, the financial product subscription unit transmits a text message including URL information to the telephone of the customer, Applications can be transferred.

It is not necessary for the customer to check the final interest rate, which is the sum of the additional interest rate and the basic interest rate for each of a plurality of savings products in consideration of the financial products subscribed to the relevant financial institution, Can be easily selected.

1 is a block diagram illustrating a financial server according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating a financial product subscription processing method of a financial server according to an embodiment of the present invention.
3 is a user screen for entering a subscription period according to an embodiment of the present invention.
4 is a screen showing a list of financial products according to the subscription period according to an embodiment of the present invention.
FIG. 5 is a screen showing a final interest rate and a cross product of a financial product according to an exemplary embodiment of the present invention.
6 is a user screen for a consultation connection request according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art to which the present invention pertains. The present invention may be embodied in many different forms and is not limited to the embodiments described herein.

In addition, in the various embodiments, components having the same configuration are represented by the same reference symbols in the first embodiment. In the other embodiments, only components different from those in the first embodiment will be described .

In order to clearly illustrate the present invention, parts not related to the description are omitted, and the same or similar components are denoted by the same reference numerals throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

1 is a block diagram illustrating a financial server according to an embodiment of the present invention.

Referring to FIG. 1, a financial server 100 includes a financial product management unit 110 and a user support unit 120. The financial product management unit 110 provides a basic interest rate and an additional interest rate per financial product to a customer who wishes to subscribe to the financial product so that the customer can select a financial product that provides the best final interest rate to the customer. The user support unit 120 provides a user screen to the customer terminal connected to the financial server 100 and provides the same user screen to the customer terminal and the employee terminal in response to the customer's consultation connection request, Help to join the product.

The financial products that the customer intends to subscribe to may have a certain period of subscription, such as savings, deposits, loans, etc. The types of financial products are not limited.

The financial product management unit 110 includes a subscription period selection unit 111, a financial product selection unit 112, a financial product information storage unit 113, an interest rate calculation unit 114, a customer information loading unit 115, A financial product subscription unit 117, and a customer information upload unit 118. [0040] The user support unit 120 includes a consultation connection request unit 121, a consultation response reception unit 122 and a screen generation unit 123.

The subscription period selection unit 111 provides a user screen for entering a subscription period to a customer terminal of a customer using a financial institution through the screen generation unit 123. [ The customer terminal may be a personal computer (PC) having a wire / wireless communication function, a smart phone, or the like. When the customer inputs the subscription period information through the customer terminal, the subscription period selection unit 111 receives the subscription period information from the customer terminal.

If the financial product is a savings product, the customer can specify and input the monthly payment along with the subscription period on the user screen. The subscription period selection unit 111 can receive the monthly payment information together with the subscription period information have. If the financial product is a deposit product, the customer can input and specify the first subscription amount together with the subscription period on the user screen, and the subscription period selection unit 111 receives the first subscription amount information together with the subscription period information .

The financial product information storage unit 113 stores information on all financial products that are operated by the financial institution and can be subscribed online. Information on financial products may include basic interest rates, maximum interest rates, and additional interest rate terms by financial products. The additional interest rate condition includes a plurality of cross products linked to each financial instrument. For example, a second financial product may be linked to a cross product of the first financial product, and if the customer is subscribed to the second financial product, additional interest is provided at the time of first financial product purchase.

The financial product selection unit 112 inquires financial products corresponding to the subscription period information in the financial product information storage unit 113 and generates a financial product list by sorting a plurality of financial products corresponding to the subscription period information in the order of interest rates do. At this time, the financial product selection unit 112 may generate a list of financial products by sorting a plurality of financial products corresponding to the subscription period information in descending order of the basic interest rate or in order of highest interest rate. The financial product selection unit 112 can provide a user screen displaying a financial product list to the customer terminal through the screen generation unit 123. [

The customer can confirm the basic interest rate, the maximum interest rate, and the additional interest rate condition of each financial product included in the list of financial products through the user screen. The customer can select one or more financial products from a plurality of financial products included in the list of financial products.

The customer information loading unit 115 acquires financial information of the customer about financial products or financial services to which the customer is subscribed to the financial institution from the financial DB. In the financial DB, financial information including personal information including a name of a customer, a resident number, an address, and various financial accounts opened by each customer in a financial institution is stored.

The interest rate calculation unit 114 calculates the final interest rate of the financial product selected from the financial product list. At this time, the interest rate calculating unit 114 inquires the financial information of the customer in the customer information loading unit 115 using the personal information of the customer connected to the financial server 100. The interest rate calculation unit 114 may calculate the final interest rate of the financial product selected based on the customer's financial information. Specifically, if the second financial instrument to which the customer belongs to the financial institution corresponds to at least one of a plurality of cross products linked to the first financial instrument selected in the financial instrument list, the interest calculation section 114 calculates the second Calculates the committed interest rate on the entry of the financial instrument. Then, the interest rate calculation unit 114 calculates the final interest rate of the first financial instrument by adding the additional interest rate calculated in the basic interest rate of the first financial instrument.

Meanwhile, the financial product selection unit 112 transmits information on a plurality of financial products corresponding to the subscription period information to the interest rate calculation unit 114, and the interest rate calculation unit 114 calculates the final interest rate of each of the plurality of financial products can do. Accordingly, the financial product selection unit 112 may generate a financial product list by arranging a plurality of financial products in descending order of the final interest rate.

The cross product derivation unit 116 derives a cross product to which an additional interest rate is applied and a cross product to which no additional interest rate is applied in a plurality of cross products associated with the selected financial product. In other words, out of a plurality of cross products, customers are classified into financial products that the customer has previously joined and financial products that have not yet joined.

After the final interest rate of the selected financial product is calculated and the cross product is derived, the screen generating unit 123 generates a user screen including the final interest rate and the cross product of the selected financial product and transmits it to the customer terminal. The customer can confirm the final interest rate and cross product of the selected financial product through the user screen and request the subscription to the selected financial product through the customer terminal. At this time, the customer may request to join any one of the cross-products through which the additional interest rate is not applied through the customer terminal.

The financial product subscription unit 117 performs a subscription process of a financial product when a subscription request message of a financial product selected from a customer terminal is received. Also, the financial product subscription unit 117 performs the subscription processing of the cross product when the subscription request message of the cross product related to the financial product selected from the customer terminal is received. The procedure for subscribing financial products is through the identity verification process and the security certification process. Since the procedure for subscribing to financial products is a general procedure, a detailed description thereof will be omitted.

Meanwhile, the cross product associated with the selected financial product may be a financial service application such as mobile banking. In this case, the cross product subscription request message may include the customer's telephone number. The financial product subscription unit 117 transmits a text message including URL (uniform resource locator) information for downloading the financial service application to the customer's phone using the customer's telephone number included in the cross product subscription request message . The financial product registration unit 117 can transmit the financial service application to the customer terminal or the customer's phone accessed through the URL.

The customer information uploading unit 118 includes the financial product or the cross product that has been subscribed to the customer's financial information when the registration of the financial product or the cross product is completed. That is, the customer information upload unit 118 delivers the customer's financial product or the subscription information of the cross product to the financial DB, and the financial information of the customer is updated in the financial DB.

On the other hand, if the registration process for the cross product is completed before the registration process for the selected financial product is completed, the customer information upload unit 118 may transmit the information of the cross product that has been subscribed to the customer information loading unit 115 . The customer information loading unit 115 transfers the information on the cross-merchandized goods to the interest rate calculating unit 114 so that the interest rate calculating unit 114 re-calculates the final interest rate of the selected financial product. The interest rate calculation unit 114 calculates a second additional interest rate based on the cross-processed goods. The interest rate calculation unit 114 recalculates the final interest rate of the selected financial product by adding the first additional interest rate added before the basic interest rate of the selected financial product and the second additional interest rate calculated further. When the final interest rate is re-calculated, the screen generating unit 123 regenerates the user screen including the final interest rate and the cross product of the selected financial product and transmits it to the customer terminal.

The consultation connection request unit 121 receives the first consultation connection request message from the customer terminal and transmits a second consultation connection request message to the employee terminal of the financial institution according to the first consultation connection request message. The customer can transmit the first consultation connection request message through the customer terminal when the customer needs help from the financial institution in the process of accessing the financial server 100 and joining the financial product. At this time, the consultation connection request unit 121 transmits a second consultation connection request message to the employee terminal of the financial institution. The first consultation connection request message and the second consultation connection request message may include the telephone number of the customer or the IP address of the customer terminal.

The staff of the financial institution transmits a consultation response message to the consultation response reception unit 122 through the staff terminal. That is, the consultation response receiving unit 122 receives a consultation response message in response to the second consultation connection request message from the employee terminal. When the consultation response message is received, the consultation response reception unit 122 notifies the screen generation unit 123 of the consultation response message.

When the reception of the consultation response message is confirmed, the screen generating unit 123 generates a second user screen linked to the first user screen provided to the customer terminal and transmits the generated second user screen to the staff terminal. That is, the screen generating unit 123 generates a dual user screen including the first user screen and the second user screen, transmits the first user screen to the client terminal, and transmits the second user screen to the employee terminal.

The employee of the financial institution can make a telephone conversation with the customer by calling the customer using the telephone number of the customer while watching the same second user screen as the first user screen viewed by the user through the employee terminal. Alternatively, the employee of the financial institution can access the customer terminal using the IP address of the customer terminal, and guide the customer through the text chat or voice chat between the customer terminal and the employee terminal.

Now, referring to Figs. 2 to 6, a description will be given of how a financial server performs a financial product subscription processing.

FIG. 2 is a flowchart illustrating a financial product subscription processing method of a financial server according to an embodiment of the present invention. 3 is a user screen for entering a subscription period according to an embodiment of the present invention. 4 is a screen showing a list of financial products according to the subscription period according to an embodiment of the present invention. FIG. 5 is a screen showing a final interest rate and a cross product of a financial product according to an exemplary embodiment of the present invention. 6 is a user screen for a consultation connection request according to an embodiment of the present invention.

2 to 6, the financial server 100 provides a user screen for entering a subscription period to a customer terminal, and receives subscription period information from a customer terminal using the user screen (S110). The user screen for entering the subscription period can be provided to input the monthly deposit for the deposit product entry or to input the initial deposit amount for the deposit product subscription.

In an example of the user screen for entering the subscription period of FIG. 3, an input screen area A is provided in which the subscription period and the monthly payment can be selected by the customer. When the customer selects any of the six months (6M), 12 months (12M), 24 months (24M) and 36 months (36M) of the subscription period and selects the monthly deposit, the customer terminal The subscription period information and the monthly charge information are transmitted.

Upon receipt of the subscription period information from the customer terminal, the financial server 100 inquires the financial product corresponding to the subscription period information and generates a financial product list corresponding to the subscription period information (S115). The financial server 100 may generate a financial product list by arranging a plurality of financial products corresponding to the subscription period information in descending order of the basic interest rate or by sorting in order of highest interest rate. Alternatively, the financial server 100 may generate a list of financial products by sorting a plurality of financial products in order of a higher final interest rate calculated based on existing financial products to which the customer subscribes.

In the example of the user screen showing the list of financial products in Fig. 4, a screen area F in which a plurality of financial products are listed in the interest rate order is provided. The customer can confirm the contents of the detailed description of the financial product of each of a plurality of financial products listed in the screen area (F). The details of the financial instrument may include the basic interest rate, the maximum interest rate, the additional interest rate condition, and the subscription condition of the relevant financial instrument.

The customer can select one or more financial products from a plurality of financial products included in the financial product list through the customer terminal. That is, one or more financial products are selected from the financial product list through the customer terminal (S120).

The financial server 100 acquires financial information of the customer in the financial DB storing the financial information of the customer (S125).

The financial server 100 calculates the final interest rate of the financial product selected based on the financial information of the customer (S130). If the financial server 100 responds to at least one of a plurality of cross products linked to the first financial product selected in the financial product list, the second financial product to which the customer is subscribed to the financial institution, To calculate the agreed interest rate. The financial server 100 calculates the final interest rate of the first financial instrument by adding the additional interest rate calculated in the basic interest rate of the first financial instrument.

The financial server 100 derives a cross product to which the additional interest rate is applied and a cross product to which the additional interest rate is not applied in the plurality of cross products associated with the selected financial product (S135). In other words, out of a plurality of cross products, customers are classified into financial products that the customer has previously joined and financial products that have not yet joined.

The financial server 100 generates a user screen including the final interest rate and the cross product of the selected financial product (S140). The user screen is transmitted to the customer terminal, and the customer can check the final interest rate and cross product of the selected financial product on the user screen.

In the example of the user screen showing the final interest rate and the cross product of the financial product of FIG. 5, the input screen area A where the customer can select the subscription period and the monthly payment, the basic interest rate, the highest interest rate and the final interest rate An interest rate area B including an interest rate (interest rate) of a financial product, a cross product area C where a cross product of the financial product can be confirmed, and a cross product subscription area D that can immediately subscribe to the cross product. The customer can see the cross product with the additional interest rate and the cross product without the additional interest rate in the cross product area (C). Then, the customer can perform the joining process of the cross product in which the additional interest rate is not applied in the cross product area C through the register button. Alternatively, the customer may subscribe to the cross product in such a manner that the customer enters his or her telephone number in the cross product subscription area D to download a financial service application or the like.

The financial server 100 determines whether a cross product subscription request message is received (S145). When the customer executes the registration button or the financial service application download on the user screen indicating the final interest rate and the cross product of the financial product, the cross product purchase request message is transmitted to the financial server 100 from the customer terminal.

When the cross-merchandise subscription request message is received from the customer terminal, the financial server 100 determines whether a consultation connection request message is received from the customer terminal (S150). The customer can request the consultation connection of the employee of the financial institution in the process of joining the cross product and can transmit the consultation connection request message to the financial server 100 through the customer terminal.

6, when the customer presses the register button for cross product entry in the cross product area C, the customer enters a phone number input popup E for telephone communication with a financial institution employee, Can be generated. When the customer inputs his telephone number into the telephone number input pop-up E and registers the telephone number, a consultation connection request message is transmitted from the customer terminal to the financial server 100.

Upon receiving the first consultation connection request message from the customer terminal, the financial server 100 transmits a second consultation connection request message to the employee terminal of the financial institution according to the first consultation connection request message. The first consultation connection request message and the second consultation connection request message may include the telephone number of the customer or the IP address of the customer terminal.

The financial server 100 receives the consultation response message in response to the second consultation connection request message from the employee terminal of the financial institution (S155).

When the reception of the consultation response message is confirmed, the financial server 100 generates a dual user screen including a first user screen and a second user screen (S160). The first user screen is transmitted to the customer terminal. The second user screen is linked to the first user screen and transmitted to the employee terminal. The employee of the financial institution can make a telephone conversation with the customer by calling the customer using the telephone number of the customer while watching the same second user screen as the first user screen viewed by the user through the employee terminal. Alternatively, the employee of the financial institution can access the customer terminal using the IP address of the customer terminal, and guide the customer through the text chat or voice chat between the customer terminal and the employee terminal.

The financial server 100 performs the subscription processing of the cross product when the subscription request message of the cross product related to the financial product is received from the customer terminal (S165). The subscription processing of the cross product can be performed through the identity verification process, the security authentication process, and the like. Or by transferring the financial service application to the customer's telephone of the customer's terminal.

The financial server 100 updates the financial information of the customer by including the cross-merchandise subscription-processed in the financial information of the customer when the subscription processing of the cross product is completed (S170). The financial server 100 may transmit the cross-merchandise subscription information of the customer to the financial DB to update the financial information of the customer in the financial DB.

The financial server 100 re-calculates the final interest rate of the financial product according to the updated customer's financial information (S175). The financial server 100 calculates a second additional interest rate based on the cross-processed goods and adds the first additional interest rate added before the basic interest rate of the financial product and the second additional interest rate calculated to calculate the final Recalculate interest rates.

When the final interest rate is recalculated, the financial server 100 regenerates the user screen including the final interest rate and the cross product of the financial product (S180). The regenerated user screen is transmitted to the customer terminal. When the consultation connection request message is received from the customer terminal and a dual user screen is being generated, the financial server 100 can transmit the regenerated user screen to the customer terminal and the employee terminal.

The financial server 100 performs a subscription process of a financial product when a subscription request message of a financial product is received from the customer terminal (S185).

As described above, the financial server 100 can select a financial product that can provide the best interest-rate benefit to the customer based on the financial information of the customer, and can suggest the customer to the customer. It is easy to select financial instruments that offer the best interest rate benefits without having to search for different financial products.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

100: financial server
110: Financial Products Management Department
111: Subscription Period Selection Unit
112: Financial product selection unit
113: financial product information storage unit
114:
115: Customer information loading section
116: Cross product derivation part
117: Financial Products Subscription Department
118: Customer information upload section
120: User Support
121: Consultation connection request section
122: Counseling response receiver
123:

Claims (14)

In a method for a financial server to process a financial product subscription,
Receiving subscription period information from a customer terminal of a customer using a financial institution operating the financial server;
Generating a list of financial products by sorting a plurality of financial products corresponding to the subscription period information in interest rate order;
When the first financial product is selected from the list of financial products, acquiring financial information of the customer including information on a second financial product subscribed to the financial institution before the first financial product is selected by the customer ;
Calculating a first additional interest rate according to the joining of the second financial instrument when the second financial instrument corresponds to at least one of the plurality of cross products linked to the first financial instrument, Calculating a final interest rate of the first financial instrument using the interest rate and the first additional interest rate;
Generating a user screen displaying information on a plurality of cross products associated with the first financial product and the final interest information on the first financial product;
Transmitting the user screen to the customer terminal;
When at least one cross product subscription request message is received from the customer terminal on which the user screen is displayed according to the information on the plurality of cross products, whether or not a first consultation connection request message including the telephone number of the customer is further received ;
When the first consultation connection request message is received, transmitting a second consultation connection request message including the telephone number to the employee terminal;
Receiving a consultation response message from the employee terminal in response to the second consultation connection request message;
Generating a first user screen and a second user screen identical to the first user screen when the consultation response message is received;
Transmitting the first user screen to the client terminal and transmitting the second user screen to the employee terminal; And
And when the first financial product subscription request information is received from the customer terminal, performing a subscription process of the first financial product. The method according to claim 1,
Further comprising: performing a subscription process of a cross product corresponding to the cross product subscription request message from among the cross products. 3. The method of claim 2,
The step of uploading the cross-merchandised goods to the customer's financial information when the cross-merchandise addition process is performed; And
The first additional interest rate and the second additional interest rate are added to the basic interest rate of the first financial instrument to calculate the final interest rate of the first financial instrument as a property shipment Further comprising the step of: delete delete delete 3. The method of claim 2,
Wherein the cross product subscription request message includes the telephone number of the customer. The method according to claim 1,
The step of performing the subscription processing of the cross-
Transmitting a text message including URL (uniform resource locator) information to the telephone of the customer; And
And transmitting the financial service application to the telephone of the customer accessed through the URL. A subscription period selection unit for receiving subscription period information from a customer terminal of a customer using a financial institution;
A financial product selection unit for generating a financial product list by sorting a plurality of financial products corresponding to the subscription period information in the order of interest;
A customer information loading unit for obtaining the financial information of the customer including the information on the second financial product that the customer has subscribed to the financial institution;
Calculating a first additional interest rate according to the joining of the second financial product when the second financial product corresponds to at least one of a plurality of cross products linked to the first financial product selected from the financial product list, An interest rate calculation unit for calculating a final interest rate of the first financial product using the basic interest rate of the financial product and the first additional interest rate;
A cross product derivation unit for deriving a plurality of cross products associated with the first financial product;
A screen generating unit for generating a user screen including information on the cross product and a final interest rate of the first financial product;
A consultation connection request unit for receiving a first consultation connection request message from the customer terminal and transmitting a second consultation connection request message to the employee terminal according to the first consultation connection request message;
A consultation response receiver for receiving a consultation response message in response to the second consultation connection request message from the employee terminal; And
And a financial product subscription unit for performing the subscription processing of the first financial product when the first financial product subscription request message is received from the customer terminal,
The screen generating unit generates a first user screen and a second user screen identical to the first user screen, transmits the first user screen to the customer terminal, and transmits the second user screen to the employee terminal Financial servers. 10. The method of claim 9,
Wherein the financial product subscription unit, when receiving the cross product subscription request message from the customer terminal, performs subscription processing of the cross product corresponding to the cross product subscription request message from the cross product. 11. The method of claim 10,
Further comprising a customer information uploading unit for inserting the affiliated cross product into the financial information of the customer,
Wherein the interest rate calculation unit calculates a second additional interest rate based on the cross-processed goods and adds the first additional interest rate and the second additional interest rate to the basic interest rate of the first financial product, Financial servers that ship interest rates. delete delete 11. The method of claim 10,
Wherein the cross product subscription request message includes the telephone number of the customer,
Wherein the financial product subscription unit transmits a text message including URL information to the telephone of the customer and transmits the financial service application to the telephone of the customer accessed through the URL.

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