KR102542144B1 - Financial products trading management computer, financial products trading management system, and financial products trading management method - Google Patents

Abstract

The present invention relates to a transaction management computer for financial products, a transaction management system for financial products, and a transaction management method for financial products. In the present invention, in a system including a transaction management computer that manages financial product transactions between parties to a transaction, the transaction management computer receives information on a seller member's financial product sale order provided by a seller terminal, and at least one buyer member In the purchase order information of the financial product, the buyer member who presented the purchase order meeting the seller member's sell order information and the set rules is selected and stored as the transaction target, and the relationship between the seller member, the buyer member and the financial product is stored. Receives the transaction approval information of the financial product provided by the non-affiliated person's terminal used by the non-affiliated person, transfers the transaction price of the financial product from the buyer member's exclusive account to the seller member's exclusive account, and simultaneously transfers the financial product transfer of rights, and the transaction information of the financial product is distributed and stored in the seller terminal, buyer terminal, and non-affiliated person terminal, or in the virtual storage space of the cloud computing device given to the seller member, buyer member, and unrelated person. A transaction management computer for financial products, a transaction management system for financial products, and a transaction management method for financial products, characterized in that they are distributed and stored, are proposed.

Description

Financial products trading management computer, financial products trading management system, and financial products trading management method}

The present invention relates to a transaction management computer for financial products, a transaction management system for financial products, and a transaction management method for financial products. In more detail, the parties involved in the transaction of financial products who have signed up for membership, authenticated themselves, and opened exclusive accounts transact financial products, including stocks or loans, without going through a central device of securities companies or banks. Transaction parties and non-related persons unrelated to financial products participate to approve financial product transactions, use dedicated accounts to process funds settlement and transfer of rights to financial products subject to transaction, etc. It relates to a platform that can simultaneously provide trading and investment information of financial products that can provide investment information according to the evaluation of non-related people including experts.

Transactions of online financial products, such as stocks, loans, and insurance, in particular, online stock transactions, for example, are online stock transactions provided and managed by a specific securities company on the terminals used by buyers and sellers who want to do online stock transactions. It is preferable to use a system in which a transaction is concluded when a buyer places a buying order and a seller places a selling order and matches in real time by outputting the program and exposing the issue of the stock provided by the central device and the expected price of selling and buying. Common.

However, the above-mentioned online financial product transaction has a problem in that transaction parties have to pay an excessive fee to the securities company, and there are limitations in that the transaction can be performed only during a predetermined time when the central device is active in the transaction.

In addition, since the verification of the seller's ownership of stocks and the authenticity of the buyer's account transfer depends only on the system, security problems in financial product transactions may occur.

As an invention related to an online mediation system, Korean Patent Registration No. 10-0594628 (Registration Date: June 21, 2006) discloses an invention of an online transaction item mediation system and method.

The patent invention is a network communication network; a purchaser terminal connected to the network communication network to perform an online purchase and sale request, and an item seller terminal for selling the item; a database for storing transaction information traded through the item seller terminal and the buyer terminal; And an intermediary server for linking with the transaction information of the database, authenticating the transaction between the buyer terminal and the item seller terminal based on one-time password, and performing non-repudiation of transfer and transfer of transaction items. wherein the mediation server includes a template providing module for providing a selling template to an item seller terminal so that when an item seller writes an order form for selling an item, only information related to the item is designated and input through a certain template; an automatic transaction information retrieval module for retrieving personal access information capable of inducing a direct transaction by automatically retrieving sales order information provided from the item seller terminal; One-time password technology that removes the exposure of identity information between the purchaser and item seller in order to block mutual transfer and denial of transfer in advance when item is traded in the virtual reality of the game server between the seller and the buyer. A transaction denial prevention module that prevents mutual transaction denial by using an authentication procedure based on ); And in order to protect the buyer against fraudulent items or abnormal items provided through bugs, the credit rating is calculated by extracting the transaction pattern of the item seller in order to escrow the transaction mileage for a predetermined period even after the transaction is confirmed by the buyer. It is an invention composed of an escrowing module to perform escrowing based on.

The patented invention operates a template for selling orders and automatic search to prevent direct transactions, and operates a protection system to protect buyers by using seller protection and transaction mileage escrow functions to prevent buyer disguise and non-repudiation of transfer. By doing so, it is possible to suppress unreasonable losses of the seller and the buyer, and to provide the effect of securing the safety of the transaction system through the identity authentication of the seller and the buyer.

However, the patented invention has a problem in that it is not possible to ensure the safety of the transaction between the buyer and the seller because it cannot verify whether the seller truly owns the item and the buyer's payment account, and by providing a system only for transaction mediation, Since the party cannot provide information to invest, there is a problem in that there is a limit to the activation of the system.

Therefore, in the transaction of online financial products, the intervention of a central device such as a securities company that collects commissions is excluded, and the transaction parties who have obtained identity authentication through confirmation of identity by related persons use an exclusive account for financial product transaction and payment. In the transaction of financial products of the parties to the transaction, the approval by the parties to the transaction and non-related persons unrelated to the financial product is completed through systematic execution without the individual actions of the non-related persons, and the transaction of financial instruments It is desired to invent a platform capable of providing financial products and investment information in which certain benefits are given to non-affiliated persons who have participated in the approval of, and financial products can be evaluated by non-affiliated persons to provide investment information together.

Republic of Korea Patent Registration No. 10-0594628 (registration date: June 21, 2006)

The present invention is to solve the problems of the prior art, and an object of the present invention is to exclude the intervention of a central device such as a securities company that collects fees in online financial product transactions, and to confirm identity by related persons The parties to the transaction who have obtained identity authentication through the transaction have an exclusive account for financial product transaction and payment, and in the transaction of the financial product of the transaction party, the approval by the transaction party and non-related persons unrelated to the financial product is obtained by the non-related person. A financial system that completes transactions of financial products through systemic execution without action, grants certain benefits to non-affiliated persons who participate in the approval of financial product transactions, evaluates financial products by non-affiliated persons, and provides investment information together. It is to provide a transaction management computer for financial products that can provide product and investment information, a transaction management system for financial products, and a transaction management method for financial products.

As a technical solution for achieving the object of the present invention, in the first aspect of the present invention, as a transaction management computer for financial products that manages financial product transactions of transaction parties,

The transaction management computer includes at least one hardware processor and a memory storing a program related to financial instrument transactions, and the at least one hardware processor of the transaction management computer controls execution of the program stored in the memory,

Matching the sale order and the purchase order of the financial product to select the information of the transaction party of the financial product,

Extracting information of non-affiliated persons of the transaction party excluding information of related persons of the transaction party,

A transaction management computer for financial products is proposed that receives transaction approval information of the transaction parties provided by the non-affiliated parties and processes the financial products transactions of the transaction parties.

In addition, as a second aspect of the present invention, as a transaction management method for financial products using a transaction management computer for financial products that manages financial product transactions of trading parties,

selecting, by the transaction management computer, information on parties to the transaction of the financial product by matching a sell order and a purchase order of the financial product;

extracting, by the transaction management computer, information of non-affiliated persons of the transaction party excluding information of persons related to the transaction party;

A transaction management method for financial products is proposed, which includes the step of receiving, by the transaction management computer, the transaction approval information of the transaction parties provided by the non-affiliated parties, and processing the transactions of the transaction parties.

In addition, according to a third aspect of the present invention, the transaction management computer includes receiving expert recommendation data of an expert member related to a specific financial instrument;

The transaction management computer extracts information of non-affiliated persons other than those related to the specific financial product and those related to the expert member;

A transaction management method for a financial product is proposed, including the step of determining whether or not to recommend an investment in the specific financial product based on the evaluation data on the expert recommendation data provided by non-related persons extracted by the transaction management computer.

According to the present invention, in the transaction of financial products, since the financial product trading function can be performed without the intervention of central institutions such as securities trading institutions and depository settlement institutions, it is possible to build a comprehensive financial product trading platform of a decentralized institution. It is effective, and for trading parties, by applying the evaluation system of non-affiliated persons in recommending financial products by experts, etc., the transaction and investment target can be selected first and provided to the customer, and also an investment that requires a high degree of professional judgment In the case of judgment, a collective intelligence convergence system is additionally applied to provide customers with results on whether or not they are suitable for investment through additional verification work on the initially selected investment target. It is possible to provide an investment environment in which all ordinary people who lack professional knowledge can access investment information that combines professionalism and objectivity by overcoming the limitations of trading securities mainly for those who can.

1 is a schematic configuration diagram of an embodiment of a financial product trading system of the present invention.
2 is a schematic configuration diagram of an embodiment of a transaction management computer, which is a main part of the financial product trading system of the present invention.
3 is a schematic configuration diagram of an embodiment of a member information management module, which is a main part of the transaction management computer of the present invention.
4 is a schematic configuration diagram of an embodiment of a financial product order information management module, which is a main part of the transaction management computer of the present invention.
5 is a schematic configuration diagram of an embodiment of a non-affiliated person information management module, which is a main part of the transaction management computer of the present invention.
6 is a schematic configuration diagram of an embodiment of a financial instrument trading management module, which is a main part of the transaction management computer of the present invention.
7 is a schematic configuration diagram of an embodiment of a financial product transaction information management module, which is a main part of the transaction management computer of the present invention.
8 is a schematic configuration diagram of an embodiment of a financial product investment information management module, which is a main part of the transaction management computer of the present invention.
9 is a schematic configuration diagram of an embodiment of a user interface, which is a main part of the financial product trading system of the present invention.
10 is a schematic configuration diagram of an embodiment of an identity authentication system, which is a main part of the financial product trading system of the present invention.
11 is a schematic configuration diagram of an embodiment of a financial transaction system, which is a main part of the financial product transaction system of the present invention.
12 is a schematic flowchart for explaining an embodiment of the method for trading financial products of the present invention.
13 is a schematic flowchart for explaining another embodiment of the financial instrument trading method of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Terms used in the description of the embodiments of the present invention will be defined. Various computers and terminals used in the present invention may be hardware components themselves, or may be components of computer programs and web programs that utilize the hardware resources. For example, the transaction management computer of the present invention may be composed of each component of the hardware included in the computer, and each component of a web program or computer program stored in a storage means of the computer may include commands and algorithms stored in registers of the computer. It may be a configuration that is executed by utilizing hardware resources (at least one processor) of a central processing unit (CPU) including.

In addition, the terms used or can be used in the description of the embodiments of the present invention, ~ computing device and ~ system will consist of a configuration that includes at least one computer and includes a hardware processor and a memory storing an action program in the computer. can

In addition, terms used or can be used in the description of the embodiments of the present invention, terms such as '~ unit', '~ module', '~ unit', or '~ unit' may be used in the same meaning of the same configuration, and corresponding These are terms that can be appropriately replaced and used according to the action of the component. The above terms may be hardware configurations of computers or terminals, and may represent each component of a web program or computer program stored in a storage means of a computer or terminal and executed under the control of a central processing unit (CPU) or processor.

In the embodiment of the present invention, the above terms are mainly used as terms representing each component of a web program or computer program.

In addition, 'financial product' used in the embodiments of the present invention refers to deposits, installment savings, stocks, bonds, funds, insurance, pensions, trust products, or various foreign exchange products traded in the foreign exchange market, or any derivative product including over-the-counter transactions. It is a concept that includes, and is applied and interpreted in the same way below.

In addition, terms or expressions not defined herein are not bound by the terms or expressions, and of course have a greater meaning in the action or function of the indicated component.

1 is a schematic configuration diagram of an embodiment of a financial product trading system of the present invention.

As shown in FIG. 1, the financial product trading system of the present invention manages the opening of a dedicated account through member registration and self-authentication of the transaction parties of the transaction, and verifies the ownership of the transaction target financial product of the transaction parties. a transaction management computer (1000) that manages information on parties to a transaction and unrelated persons unrelated to the financial product, manages the approval of financial product transactions of non-related persons, and completes the financial product transaction; A data storage device that is connected to or belongs to the transaction management computer 1000 and stores and manages member information of transaction parties, non-affiliated person information participating in transaction approval of financial products, and various data related to transaction target financial product information ( 2000) and; at least one seller terminal (3000) that is connected to the transaction management computer (1000) to manage a dedicated account, provide information on a financial product to be sold, and output a user interface for managing transaction information on the financial product; At least one buyer terminal that is communicatively connected to the transaction management computer 1000, manages a dedicated account, searches for financial product information and places a purchase order for financial products, and outputs a user interface for managing transaction information on financial products ( 4000) and; The transaction parties that are communicatively connected to the transaction management computer 1000 and output a user interface for evaluating financial instrument transaction approval information and financial products between the transaction parties and providing the evaluation information to the transaction management computer 1000, and at least one non-affiliated terminal 5000 used by non-affiliated persons unrelated to financial products; The transaction management computer 1000 is connected to the transaction management computer 1000 and authenticates the identity of the transaction parties through identity confirmation by related persons of the transaction parties at the time of signing up as a member or authenticating the identity for creating an exclusive account. The identity authentication system 6100, which provides identity authentication information to (1000), is connected to the transaction management computer 1000 by communication, brings financial product information, collects collective intelligence on the financial product, and invests in the corresponding financial product. A collective intelligence convergence system 6200 that generates information and provides it to the transaction management computer 1000, and a dedicated account for financial product transaction or payment of the transaction parties connected to the transaction management computer 1000 by communication A support system 6000 including a financial transaction system 6300 that generates and provides, and manages payment using the dedicated account; The transaction management computer 1000, at least one seller terminal 3000, at least one buyer terminal 4000, and a non-affiliated terminal 5000 are communicatively connected to provide a virtual storage space to transaction parties and non-affiliated persons. a cloud computing device (7000) through which transaction parties can access and check data, and support the operation of the transaction management computer (1000) by its own program; a financial product information providing computer (8000) that is connected to the transaction management computer (1000) and provides information on various financial products including the seller's financial products; Including a financial product management company system 9000 including a securities company computer 9100, a bank computer 9200, and an insurance company computer 9300 that are connected to the financial product information providing computer 8000 and provide their own financial product information It is a composition that

At least one computer included in the transaction management computer 1000, the support system 6000, the cloud computing device 7000, and the financial product information providing computer 8000 includes a communication means, and includes at least one hardware processor and It may be composed of at least one server computer capable of executing a computer program or web program, including a memory for storing a computer program or web program.

The data storage device 2000 may be configured as a database management system (DBMS).

The seller terminal 3000, the buyer terminal 4000, and the non-affiliated terminal 5000 have communication means, and include at least one hardware processor and a memory for storing a computer program or web program, including a computer program or web program. It can be composed of a terminal such as a smart phone, a tablet computer, a personal computer (PC), and a laptop that can execute a program.

The identity verification system 6100 performs identity verification by related persons including acquaintances of the transaction parties for identification of the transaction parties of the seller and buyer, or excludes related persons based on information of the related parties. It may be configured to extract non-relationship information that is not related to the transaction parties.

The collective intelligence convergence system 6200 supports decision-making by converging collective intelligence for generating recommendation information through evaluation of financial products provided by the financial product information providing computer 8000.

The financial transaction system 6300 is configured to create a dedicated account in a state in which the seller and buyer members have completed identity authentication, and to manage the payment when the transaction parties perform payment using the dedicated account. can do.

Details of the identity authentication system 6100, the collective intelligence convergence system 6200, and the financial transaction system 6300 included in the support system 6000 will be described later.

The cloud computing device 7000 stores financial product transaction-related information between the seller and the buyer that can be managed by the transaction management computer 1000 and transmits the information to the seller terminal 3000 and the buyer terminal 4000. It is a configuration in which a program that provides, selects non-affiliated persons or verifies financial product transactions can be executed.

The financial product information providing computer 8000 collects financial product information from computers of securities companies, banks and insurance companies handling financial products and provides it to the transaction management computer 1000, which is operated by an integrated institution related to financial products. It may be included in the system, or may be configured separately in the embodiment of the present invention.

2 is a schematic configuration diagram of an embodiment of a transaction management computer, which is a main part of the financial product trading system of the present invention.

As shown in FIG. 2, the transaction management computer 1000 of the present invention may be described as a hardware configuration of the transaction management computer itself, but in an embodiment of the present invention, it is executed under the control of the hardware processor of the transaction management computer Each component is described using a computer program or web program stored in memory as a transaction management means.

A member information management module 1100 for performing and managing member authentication based on member information including personal information and terminal information of sellers and buyers in relation to financial product transactions; Member-only account information management module (1200 )class; Receives and manages the selling order information, including information on the financial product to be sold, quantity, and asking price, presented by the seller member, and information on the financial product to be purchased, quantity, bid price, and order timing presented by the buyer member a financial product order information management module 1300; A transaction information security management module 1400 for performing and managing encryption for security of financial product transaction information between trading parties generated by matching information on a selling order of a seller member and information on a purchase order of a buyer member; A non-affiliated person information management module 1500 for managing information of transaction parties and non-affiliated persons unrelated to financial products and selection information of a predetermined number of non-affiliated persons participating in business related to financial instrument transactions between transaction parties; a financial product trading management module 1600 that performs and manages various procedures such as settlement of financial product transactions and transfer of rights of the parties to the transaction; A financial product transaction error management module 1700 that performs and manages a procedure for withdrawing approval or restoring the transaction of non-affiliated persons regarding transaction approval when an error or accident occurs in the transaction of financial products between transaction parties; A financial product transaction information management module 1800 that manages transaction completion information of financial product transactions of transaction parties, generates and shares transaction information as a ledger, and processes and manages profit information of non-affiliated persons participating in the procedure of financial product transactions; As a previous stage of financial product trading, it is a configuration that includes a financial product investment information management module (1900) that recommends and manages information on financial products to be invested based on the results obtained through evaluation and verification of various financial product information.

3 is a schematic configuration diagram of an embodiment of a member information management module, which is a main part of the transaction management computer of the present invention.

As shown in FIG. 3, the member information management module 1100 of the present invention includes a seller member information management module 1110 for storing and managing member information such as seller personal information and seller terminal information; a buyer member information management module 1120 for storing and managing member information such as buyer's personal information and buyer's terminal information; a member authentication information management module 1130 for storing and updating identity authentication information by identity authentication performed when the seller or buyer member registers for membership or transacts financial products; It is a configuration that includes a user interface management module 1140 that manages identification information and updates of the user interface for performing financial product transaction-related tasks by outputting the information to the terminals of the seller member and buyer member members, including non-related persons.

4 is a schematic configuration diagram of an embodiment of a financial product order information management module, which is a main part of the transaction management computer of the present invention.

As shown in FIG. 4, the financial product order information management module 1300 of the present invention receives, stores, and manages financial product information to be sold, bid price and sales quantity information, etc. provided by a seller member. order management module 1310; a financial product purchase order management module 1320 for receiving, storing, and managing financial product information to be purchased, bid price, purchase quantity, and order timing information presented by the buyer member; A configuration including a financial product authentication information management module 1330 for verifying the authentic title of the seller member in relation to the financial product to be sold provided by the seller member to authenticate the transaction-related rights problem of the financial product.

5 is a schematic configuration diagram of an embodiment of a non-affiliated person information management module, which is a main part of the transaction management computer of the present invention.

As shown in FIG. 5, the non-affiliated person information management module 1500 of the present invention extracts and manages non-affiliated person information unrelated to the transaction parties and financial products based on the related person information, and the non-affiliated person information is stored at any time. Or a non-affiliated person information update management module 1510 that periodically updates and manages; a non-affiliated person selection information management module 1520 for storing and managing a predetermined number of non-affiliated person information selected to participate in related procedures such as product transaction approval among stored non-affiliated person information; It is a configuration that includes a non-affiliated person approval information management module 1530 for storing and managing approval or evaluation information of non-affiliated persons participating in related procedures such as approval of financial instrument transactions of transaction parties.

6 is a schematic configuration diagram of an embodiment of a financial instrument trading management module, which is a main part of the transaction management computer of the present invention.

As shown in FIG. 6, in the financial product trading management module 1600 of the present invention, non-affiliated persons selected at the time of settlement of the transaction price of the financial product to be traded after the transaction progress of the financial product between the transaction parties is confirmed a dedicated account transfer information management module 1610 for managing the transfer of the transaction price from the buyer member's dedicated account to the seller member's dedicated account according to the approval of the payment based on the balance information of the exclusive account; It is a component that includes a right change processing information management module 1620 that manages the process of transferring the rights of financial products from the seller member to the buyer member at the same time as the transaction price of the financial product between the parties to the transaction is settled.

7 is a schematic configuration diagram of an embodiment of a financial product transaction information management module, which is a main part of the transaction management computer of the present invention.

As shown in FIG. 7, the financial product transaction information management module 1800 of the present invention generates transaction information of financial products completed through payment and transfer of rights between transaction parties as a ledger, so that the terminals of the transaction parties, a transaction ledger sharing information management module 1810 for distributed storage and management in the virtual storage space of the cloud computing device assigned to terminals of non-affiliated persons participating in transaction approval and transaction parties; It is a configuration including an unaffiliated person profit information management module 1820 that manages the accumulation of profit information given to non-affiliated persons who participated in the transaction approval of the financial product transaction of the transaction parties.

8 is a schematic configuration diagram of an embodiment of a financial product investment information management module, which is a main part of the transaction management computer of the present invention.

As shown in FIG. 8, the financial product investment information management module 1900 of the present invention is a financial product expert opinion management module that receives and manages expert recommendation opinions evaluated and provided by experts having relevant expertise in financial products. (1910) and; Receiving and managing selection information on financial products for investment, which is evaluated and provided by the expert and non-related persons who are not related to the financial product, who have received the expert's recommendation opinion on the financial product, based on the expert's recommendation opinion on the financial product Non-affiliated person evaluation information management module 1920; Collective intelligence convergence information management that receives and manages investment target financial product selection information by collective intelligence converged by submitting to the collective intelligence convergence system based on the expert recommendation opinion on the above financial product or non-affiliated persons’ financial product investment target selection information. module 1930; It is configured to include a financial product investment information provision management module 1940 for generating financial product investment recommendation information based on the investment target financial product selection information, providing it to members, and managing it.

9 is a schematic configuration diagram of an embodiment of a user interface, which is a main part of the financial product trading system of the present invention.

As shown in FIG. 9, the user interface of the present invention is a configuration of a computer program or web program that is loaded and executed or output on the seller terminal, the buyer terminal, and the non-affiliated terminal, and is a program for implementing an embodiment of the present invention. It has each component of , and here, the description code will be described using the code of the seller's terminal 3000. However, the following description is, of course, applied to the user interface output to the buyer terminal 4000 and the non-affiliated terminal 5000.

an authentication request data input module 3100 that is communicatively connected to the transaction management computer 1000 through the user interface output from the member terminal 3000 and inputs related data for membership registration and self-authentication; a dedicated account information management module 3200 for managing information on a dedicated account for financial product transactions opened by a member after completing identity authentication and inputting predetermined set data and information on the balance of the dedicated account; a financial product inquiry display management module 3300 for querying financial products to be transacted and managing the display of information on the inquired financial products; a financial product order management module (3400) for inputting order information of a financial product that a member wants to sell or buy, and transmitting and managing the information to the transaction management computer (1000); a transaction information management module (3500) for storing and managing transaction information concluded according to an order to sell or buy a financial product; an evaluation and approval information processing module (3600) for inputting data so that members, as non-affiliated persons, participate in authentication or evaluation of financial product transactions and perform tasks; a transaction participation information management module 3700 for storing and managing information on which a member has been selected as a non-affiliated person participating in the procedure of a financial product transaction and its history information; a reserve information management module 3800 for checking and managing profit information accumulated by the transaction management computer 1000 as a member participates in a financial product transaction procedure as an unaffiliated person; It is configured to include a financial product investment recommendation information management module 3900 that displays and manages investment target financial product recommendation information provided from the transaction management computer 1000 .

10 is a schematic configuration diagram of an embodiment of an identity authentication system, which is a main part of the financial product trading system of the present invention.

As shown in FIG. 10, the identity authentication system 6100 of the present invention receives a personal authentication request entered by a person who wants to participate in the financial product transaction system of the present invention when registering as a member, and provides information about the identity of the people around the person including the acquaintances of the authentication requester. an authentication management computer 6110 that receives and manages information, manages generated identity authentication information and identity authentication information, and extracts and manages non-affiliated person information based on related person information;

a data analysis computer 6120 that receives a request for authentication of the identity of the authentication requester from the authentication management computer 6110, performs identity authentication of the authentication requester, and provides the information to the authentication management computer 6110; Data storage for storing data including personal authentication authentication requester information managed by the authentication management computer 6110, related person group information, related person group communication detail information, and identity authentication information transmitted from the data analysis computer 6120 computer 6130; The person who analyzed the relationship data related to the specific relationship between people generated by collecting and analyzing in the data analysis computer 6120 and the communication details of the related person group received from the authentication management computer 6110 in the data analysis computer 6120 an analysis data storage computer 6140 for storing and managing relationship data related to a specific relationship between the liver and statistical information based thereon; Authentication used by an authentication requester (a seller or a buyer in the embodiment of the present invention) that is connected to the authentication management computer 6110 and outputs or executes a user interface that requests authentication, receives authentication approval information, and manages the user interface. a requestor terminal 6150; A user interface that communicates with the authentication management computer 6110 and provides information such as relationship information and communication details with the authentication requester to the authentication management computer 6110 from acquaintances who are related to the identity authentication requester a terminal 6160 that is at least one of the parties that outputs or executes; It is a configuration including an internet social network 6170 that provides data including words, vocabularies, or sentences related to a specific relationship between people to the data analysis computer 6120.

The authentication management computer 6110 may include at least one server computer having communication means and including at least one hardware processor and a memory for storing computer programs and the like.

The data analysis computer 6120 may include at least one server computer having a communication means and including at least one hardware processor and a memory storing an artificial intelligence (AI) related computer program.

The data storage computer 6130 and the analysis data storage computer 6140 may be configured as a database management system (DBMS).

The authentication requester terminal 6150 and the related party terminal 6160 may be composed of terminals such as smart phones, tablet computers, personal computers (PCs), laptops, etc. having communication means and capable of running application programs or web programs. there is. The application program or web program provided by the authentication requester terminal 6150 may be configured as a user interface for requesting self-authentication approval from the authentication management computer 6110, and the related person terminal 6160 has The application program or web program may be configured as a user interface for verifying identity that provides the authentication management computer 6110 with relation information and communication details with the requestor of identity authentication.

The internet social network 6170 is a configuration that can include various social network services (SNS) and internet media.

In the identity authentication system 6100 of the present invention, at least one hardware processor included in the authentication management computer 6110 controls the execution of a computer program stored in the memory, and the authentication requester consents to or provides access to the authentication requester. Receiving identity confirmation data including identity consent of the authentication requester from related persons based on related person information of; The identity of the authentication requester is verified by extracting the relational data of the communication details related to the specific relationship between people through the analysis of communication details information between the related persons who have agreed to the identity of the authentication requester and the authentication requester, and transmitting them to the data analysis computer 6120. request; Based on the consistency between the data analysis computer 6120 and the relationship data of the communication details transmitted from the authentication management computer 6110 and the relationship data provided from external media or owned by itself related to a specific relationship between people. performs identity authentication of the authentication requester with , and transmits identity authentication information to the authentication management computer 6110; The authentication management computer 6110 performs identity authentication of the authentication requester based on identity authentication information transmitted from the data analysis computer 6120.

If the communication detail information is voice information, the corresponding information can be analyzed using voice recognition technology, or by using a voice matching method or a voice-to-text conversion technique.

The relationship information between the related persons and the authentication requester may include, for example, family, relatives, friends, co-workers, schoolmates, friendship members, and hobbyists.

In addition, the communication history information of the related persons or related person groups, for example, mobile phone text messages (SMS, MMS, etc.), chatting messages in chatting application programs running on mobile phones, and text messages on social network services (SNS) It includes various types of communication information performed using mobile phones, including communications, e-mail letters, Internet voice calls on mobile phones, and the like.

In the embodiment of the present invention, in the case of confirmation of the identity of a corporation (corporate), where the authentication requester is not an individual, the corporation has no concern about leakage of personal information, and considering that the method of verifying the identity of a corporation is well established in the existing system, for example It can be applied by setting different standards, such as using the address of a corporation instead of a photo, or by applying a more relaxed method of confirming identity than in the case of an individual.

For example, if the authentication requester is a corporation (company), the related person group can be set to at least one employee, customer, and customer, and as an auxiliary means to prevent fraudulent use, confirmation through the bank Confirmation through registration number inquiry or confirmation through business registration number can be used.

In the embodiment of the identity authentication system 6100 of the present invention, the function of the data analysis computer 6120 is performed by the authentication management computer 6110, and the data analysis computer 6120 may be omitted.

Descriptions for extracting non-affiliated person information to participate in self-authentication or payment approval when the authentication requester joins the membership in the identity authentication system 6100 will be described in more detail.

In the identity authentication of the authentication requester in the identity authentication system 6100 of the present invention, the authentication management computer 6110 receives authentication requester information and at least one password from the authentication requester terminal 6150 of the authentication requester who wants to be authenticated. and save as a member; The management computer includes the name and photo of the authentication requester transmitted from the authentication requester terminal, or the name and mobile phone number, and password, information of related persons stored in the communication-capable terminal of the authentication requester, and intention to use the information of related persons. Receive identity authentication approval request data; The management computer transmits a request message to confirm the identity of the authentication requester along with authentication requester information including the authentication requester's name and photo, or the authentication requester's name and mobile phone number to the related terminal 6160 of the related persons of the authentication requester, ; The management computer receives related persons information including a relationship with the authentication requester transmitted from the related person terminal, communication details with the authentication requester, and identity confirmation data necessary for determining whether the authentication requester is identical; The management computer transmits information of related persons including communication details with the authentication requester transmitted from the related person terminal to the data analysis computer 6120 to request identity confirmation determination; The data analysis computer analyzes the information of the related persons including the communication details of the authentication requester and the related persons transmitted from the management computer to extract the communication details related data related to the establishment of the relationship between people, and the extracted communication details relation data and It analyzes information such as words and expressions used during daily conversations and conversations between acquaintances that it owns and compares them with big data (relational data owned by itself) managed by the database. If the consistency exceeds a certain rate, identity is confirmed generating and transmitting information to the management computer; It is characterized in that the management computer receives and stores identity verification information transmitted from the data analysis computer and transmits personal authentication approval information to the authentication requester terminal based on this.

In the identity authentication system 6100, based on the information of related persons extracted for authentication of the authentication requester, information of non-related persons unrelated to the seller and buyer members may be extracted. The identity verification system 6100 compares the information of the related persons extracted to perform identity authentication of the seller and the buyer member with the information of members subscribed to the system of the present invention stored in the member information storage module to obtain the information of the related persons. The information of the remaining members other than those of the seller and the buyer may be selected as non-related persons, and the extracted non-related person information may be transmitted to the transaction management computer. In addition, non-affiliated person information unrelated to the financial product to be transacted may be extracted and transmitted to the transaction management computer.

Not having a relationship with a financial product means that a person involved in a financial product does not have any legal, economic, or social interests in the process or procedure of development, design, production, construction, supply, sale, marketing, operation, dividend, settlement, etc. of a financial product. It means that there is no interest, and whether or not there is a conflict of interest can be judged normatively or by inquiring the communication details of the people involved in each process or procedure.

On the other hand, the concept of a non-relational person is relative, and b, a relation of a in case A, may be a non-relationship of a in case B, and c, a non-relationship of a in case A, may become a related person of a in case B.

11 is a schematic configuration diagram of an embodiment of a financial transaction system, which is a main part of the financial product transaction system of the present invention.

As shown in FIG. 11, the financial transaction system 6300 of the present invention, first of all, in describing an embodiment of the financial transaction system of the present invention, as shown in FIG. 11, the seller terminal 3000, the buyer terminal ( 4000), the non-affiliated terminal 5000, and the identity authentication system 6100 will be described using the codes used in the embodiment of FIG. 1 as they are.

Managing personal information of financial traders, user terminal information, and identification information including account information of financial traders, managing non-affiliated person group information including a plurality of unrelated person information unrelated to the financial trader, a financial transaction management computer (6310) for receiving transaction approval information of the non-affiliated person group according to the transaction request of the transaction and managing the execution of the financial transaction between the financial transaction; A financial transaction data storage device (6320) that is communicatively connected to the financial transaction management computer 6310 or is included in the financial transaction management computer 6310 and stores data required for financial transaction management by the financial transaction management computer 6310. )and; an artificial intelligence computer 6330 that is connected to the financial transaction management computer 6310 and provides resources necessary for the financial transaction approval of the financial transaction; a financial institution computer 6340 including at least one bank computer that is communicatively connected to the financial transaction management computer 6310 and executes financial transactions approved by the financial trader; an identity verification system (6100) for approving identity verification of the financial trader based on identity confirmation information of at least one related person of the financial trader; Used by the financial trader to receive personal authentication approval from the identity authentication system 6100 and access the financial transaction management computer 6310 to perform a financial transaction to obtain financial transaction approval from the financial transaction management computer 6310 a seller terminal 3000 and a buyer terminal 4000; It is configured to include a plurality of non-affiliated person terminals 5000 used by a plurality of non-related persons unrelated to the financial trader that receive a request from the financial transaction management computer 6310 and provide financial transaction approval information of the financial trader. .

In the embodiment of the present invention, the resources provided by the artificial intelligence computer 6330 to the financial transaction management computer 6310 are information of non-affiliated persons who are not related to the financial transaction among members of the identity authentication system 6100. And, the buyer terminal 4000 used by the buyer member who has been approved for identity authentication through the identity authentication system 6100 performs a financial transaction with the seller terminal 3000 used by the seller, the counterparty to the transaction, and the financial transaction management computer 6310 receives the financial transaction information of the financial trader, confirms the intention of the financial transaction with the purchaser terminal 4000, and selects a plurality of non-related persons unrelated to the financial trader or the artificial intelligence computer ( 6330) by providing transaction information of the financial trader to the non-affiliated person terminal 5000 of the plurality of non-affiliated persons of the financial trader to receive information on whether or not to approve the financial transaction of the financial trader from the plurality of unrelated persons. It may be configured to complete a trader's financial transaction.

Hereinafter, the reasons for involving the non-affiliated persons in the financial transaction system of the present invention regarding the financial transaction approval of the financial traders and the meaning of the financial transaction approval of the non-affiliated persons will be supplementarily explained.

In the embodiment of the financial transaction system of the present invention, financial transactions are performed based on information (balance, etc.) in exclusive account information assigned to each financial trader (seller or buyer). When the financial transaction system of the present invention is operated, the account information of a specific financial trader will start at 0 (zero), and in the case of cooperation with an existing bank, 　transactions　may be made with a certain balance filled. Since a financial transaction is ultimately nothing more than details about who gave and received how much to whom, a simple calculation can be performed in approving the financial transaction. Therefore, anyone with a terminal equipped with an application or program that performs four arithmetic calculations can calculate and approve transaction details anywhere. However, if the simple calculation is entrusted to a specific person, forgery and falsification occurs, so the reliability of the financial transaction details can be secured by sharing the financial transaction details with the financial transaction management computer and non-affiliated persons of the financial transaction to prevent forgery and falsification. This is because unrelated people have no incentive to increase or decrease the financial information of people they do not know, so approval of financial transactions by unrelated people can secure its reliability. In addition, since the financial transaction system of the present invention can be configured to be automatically calculated and approved by a calculator application program instead of manually calculating and approving financial transactions of non-affiliated persons when approving financial transactions, non-affiliated persons in approving financial transactions burden can be minimized.

Therefore, with regard to the approval of financial transactions by non-affiliated persons, the financial transaction system of the present invention is that financial transactions are made based on the balance information of the financial trader's dedicated account information, and the financial transaction details are approved by non-affiliated persons, and the financial transaction Approval may be configured to be automatically performed by a randomly selected non-affiliated terminal or a calculator application program existing in a virtual space of a cloud computing device.

Since the calculator application program exists in all terminals of financial transaction parties, financial transaction management computers (or artificial intelligence computers), and non-affiliated terminals, it is configured to approve financial transactions by determining whether the results calculated by each calculator application program match. It can be. As long as the calculator application programs of all terminals do not malfunction at the same time, there is no possibility that an error will occur in the calculated value of the financial transaction.

In an embodiment of the financial product trading system of the present invention, the collective intelligence convergence system 6200 collects collective intelligence convergence data by providing data to participating terminals in order to derive convergence data of collective intelligence on a proposed agenda; Composition of a system in which expert opinion data presented by experts on the proposed agenda is provided to the participants so that the participants can read the expert opinion data of the experts on the proposed agenda and collect the opinions of the experts provided to make a decision. am.

For reference, the collective intelligence system is a collective intelligence convergence system of the present applicant's Patent No. 10-1804960 (registration date: November 29, 2017) and a patented invention registered with the method. For a more detailed description of the collective intelligence convergence system used in the embodiment of the present invention, reference may be made to the disclosed patent invention.

A more detailed description of an embodiment of the present invention will be given with reference to FIGS. 1 to 11 .

As an example, if A, who owns 10 stocks of S company, one of the financial products (eg, a quote of 1 million won), wants to sell the stocks using the system of the present invention, A uses the terminal Access to the online financial product trading means operated and managed by the transaction management computer 1000 of the present invention. In this case, it is preferable to connect to a website related to financial product transactions operated by the transaction management computer 1000 or access a computer from which a computer program related to financial product transactions related to the system of the present invention can be downloaded, and the corresponding computer program The transaction management computer 1000 can be accessed by downloading, loading and executing the .

A accesses the transaction management computer (1000) using the access means, and enters set information to join as a member. In this case, by using the identity authentication system 6100, identity confirmation information may be received from the related persons of A, identity verification may be performed, and membership registration may be performed. Upon completion of membership registration, A accesses the transaction management computer 1000 and performs identity authentication for financial product transactions. In this case, identity authentication and identity authentication based thereon can be performed through identity confirmation by persons related to A in the identity authentication system.

When A, whose identity authentication is completed, requests the opening of a dedicated account by inputting the information requested in the exclusive account setting module of the user interface displayed on the terminal, the transaction management computer 1000 establishes a dedicated account in connection with the member information of A. It is opened and stored, and the exclusive account information is transmitted to the terminal so that A can manage it through the user interface. In this case, the exclusive account of A may be opened and stored with the support of the financial transaction system 6300 .

Member A, who opened an exclusive account, inputs company S stock information (quantity and asking price, etc.) to be sold on the user interface of the terminal, that is, the seller terminal, and requests a sale of 10 shares of S company at the asking price of 1 million won on the transaction management computer. do

The transaction management computer 1000 receives a request to sell stocks of company A and checks whether member A has the right to sell 10 stocks of company S as a trading target. If the stocks of Company S are electronically registered stocks, they can be checked in real time by making inquiries to the financial product information providing computer 8000. In addition, if the stocks of Company S are non-registered stocks, the source of rights can be confirmed by requesting cooperation from Company S, the stock issuing company.

After confirming the trading rights of 10 stocks of S stocks of member A, the transaction management computer 1000 receives member A's request to sell stocks of company S, opens an exclusive account, and information on the buyer member who has entered a purchase order for company S. look up After analyzing the inquiry result, among the members whose quantity and price of the stocks to be sold are the same, member B, the buyer who placed the purchase order the earliest, is determined as a priority transaction.

The transaction management computer 1000 provides the buyer member information, seller member information, and company S information to the identity authentication system 6100, and requests information related to the seller, buyer, and company S.

The transaction management computer 1000 receives the seller, buyer, and related person information of Company S provided from the identity verification system 6100, and extracts and stores non-related person information excluding the related persons from the stored member information.

The transaction management computer 1000 randomly selects a set number of non-affiliated persons by executing its own program in the extracted non-affiliated person information. In addition, the transaction management computer 1000 provides the extracted non-affiliated person information to the cloud computing device 7000 or the non-affiliated person terminal 5000 of the unrelated persons to request selection of a predetermined number of unrelated persons. The cloud computing device 7000 or the unaffiliated person terminal 5000 executes its own program to randomly select a set number of unrelated persons from the extracted unrelated person information, and transmits the selected unrelated person information to the transaction management computer 1000. ) is provided.

The transaction management computer 1000 requests approval of payment for the transaction price of 10 stocks of Company S by providing information on the exclusive account of the purchaser member to a predetermined number of selected non-affiliated terminals. The non-affiliated terminals check the buyer member's exclusive account balance using a program installed therein, and when it is confirmed that there is no problem in the payment of the transaction price, the approval information is provided to the transaction management computer 1000. Here, it is preferable to configure the payment approval process performed in the non-affiliated person's terminal to be fully automatically performed by a pre-set or set automatic execution program, rather than by non-affiliated persons directly manipulating the terminal or manually executing a program. By doing this, it is possible to remove restrictions on the transaction time of financial products in the existing central device and reduce the burden on non-related persons. Since non-affiliated terminals that approve the financial product transaction can be automatically executed programmatically without access to the transaction management computer, financial product transaction is possible 24 hours a day, 365 days a year.

In addition, the payment for the stock transaction of Company S using the dedicated account between the parties to the transaction may be configured to be performed with the support of the financial transaction system 6300.

In this case, transaction information including transaction party information may be encrypted in advance, and then decrypted with its own program to perform approval processing when payment approval is performed in a non-affiliated terminal. In addition, in order to block the disclosure of details of transaction details to non-related persons, etc., homomorphic encryption technology can be used to analyze transaction details without decryption and to be configured to process approval.

The transaction management computer 1000 or the financial transaction system 6300 receives transaction payment approval information from the non-affiliated terminal, deducts 1 million won from the transaction amount from the buyer member's exclusive account, and the seller member's exclusive account. By increasing 1 million won to the balance of , the transfer of the transaction amount is completed.

The transaction management computer 1000 transfers the transaction price using the exclusive account between the parties to the transaction, and at the same time completes the transfer of the ownership of 10 stocks of company S from member A to member B, for example. The transfer of rights for 10 stocks of Company S can be configured to be carried out automatically by sharing the trading ledger at the same time as the transaction is completed.

The transaction management computer 1000 sends the selected number of non-affiliated terminals participating in the transaction approval according to the completion of payment and transfer of rights for 10 stocks of Company S, which are the financial products to be traded, or even during the process. It may be configured to accumulate a predetermined profit, for example, points, etc. in association with information of non-affiliated persons in use, and can be confirmed in the user interface of the non-affiliated person's terminal.

As another example, if a separate contract is required for financial product transactions such as deposits, installment savings, loans, trusts, and insurance, a non-face-to-face online contract can be concluded when a financial institution creates and presents the contract details in standardized terms and conditions. . In this case, the financial institution presents the contract details prepared in advance to the system and the customer, and if the customer agrees to the contract contents, the system confirms the agreement, approves the contract conclusion, and completes the transaction. If the customer has a different opinion, it can be configured to request confirmation from the other party again and to approve the contract conclusion in the system if the final plan is agreed upon while mutually exchanging opinions until an agreement is reached.

In an example where A wants to sign up for a loan product of company K using the financial product transaction service of the present invention, A signs up as a member as described above, identifies himself with the identity verification system, and opens an exclusive account.

Company K may enter into a business agreement to handle loan products using the system of the present invention or sign up as a corporate member and post product information on the system of the present invention.

Company K presents the specific conditions of the loan product it intends to sell to member A, including qualification conditions such as interest rate, loan limit, interest payment method, and credit rating. The transaction management computer transmits the loan product conditions of company K to member A, and if member A agrees without objection, the transaction may be confirmed under the proposed conditions.

If member A has an objection to company K's presentation conditions or has a different opinion, he or she can present his or her opinion by revising the contract. If company K agrees with the revised opinion, it is confirmed as the relevant content, and if it does not agree, it can proceed with an additional opinion exchange procedure to continue the consultation procedure until the final agreement is reached on the contents of the contract.

In the system of the present invention, it can be configured to confirm the contents of the contract with the final contents of mutual agreement, to approve the conclusion of the contract, and to store and share all the contents of the contract in the ledger of the parties to the transaction, the system, and non-affiliated persons.

The system of the present invention can additionally manage the fulfillment of contract details, such as execution of loan-related loan withdrawals, interest withdrawals on interest payment dates, and contract fulfillment procedures such as fee payment and settlement. Payment and settlement of money can be handled using the exclusive account of this system.

In the transaction management computer 1000, an unexpected error or accident may occur in a transaction of a financial product when a transaction is approved or during a transaction process. In this case, the transaction management computer 1000, after payment approval by the non-affiliated terminals has been completed, if there is an expression of intent of a majority of the participating non-affiliated terminals regarding withdrawal of the approval or restoration to original state, an error or accident in the transaction occurs It can be configured to restore to a previous state.

The transaction management computer 1000 sorts various financial product information provided from the financial product information providing computer 8000 by field in connection with the financial product transaction, and expert members for each field are secured or not registered. It is equipped with external expert information that is not yet available, and the expert recommendation data can be received and stored by presenting opinions including expertise on the investment property of the financial product through the participation of the relevant experts on the financial product.

The transaction management computer 1000 provides expert recommendation data on the financial product to non-affiliated terminals of non-affiliated persons unrelated to the financial product, requests evaluation information on the financial product, and provides the information provided by the unaffiliated terminals. After receiving and analyzing the evaluation data on the financial product presented with reference to the expert recommendation data, the financial product recommendation target for investment is selected and stored.

In addition, the transaction management computer 1000 provides expert recommendation data on the financial product and evaluation information of the non-affiliated persons to the collective intelligence convergence system 6200 to request decision-making by convergence of collective intelligence. The transaction management computer 1000 receives and stores the evaluation information about the financial product or the investment target selection information generated based on the collective intelligence converged by the collective intelligence convergence system 6200 .

The transaction management computer 1000 allows members to view information on recommending financial products for investment generated based on evaluations by the non-affiliated persons or recommended information on financial products for investment generated with the support of the collective intelligence convergence system. It can be done with the configuration provided so that

12 is a flowchart for explaining an embodiment of the method for trading financial products of the present invention.

As shown in FIG. 12, in the financial product transaction method of the present invention, financial product selling information including financial product information, seller information, sale amount information, exclusive account information, etc. Receiving step (S100) and; (S110) performing, by the transaction management computer, authentication as to whether or not a genuine title is genuine in relation to the seller's financial product; when the seller's title to the financial product is confirmed by the transaction management computer, querying information provided by buyers, such as a bid price, a purchase quantity, and a registration point of intent to buy (S120); selecting buyer information that satisfies a set condition among purchase information of the inquired buyers by the transaction management computer (S130); (S140) the transaction management computer inquires information on non-affiliated persons of the seller and buyer, requests the cloud computing device to select a predetermined number of unrelated persons, and receives the selected non-related person information provided from the cloud computing device; the transaction management computer or the non-affiliated terminal sending a message confirming whether the buyer's purchase request information corresponds to the buyer's own intention to the buyer's terminal and receiving a related answer from the buyer's terminal (S150); providing, by the transaction management computer, transaction information including information on transfer of funds between exclusive accounts of parties to the transaction and information on transfer of rights of the financial product to non-affiliated terminals of selected non-affiliated persons (S160); Executing a verification program installed in the non-affiliated terminals of selected non-affiliated persons to verify transaction information for transfer of funds between exclusive accounts of the transaction parties and transfer of rights of financial products, and transmitting the verification information to the transaction management computer ( S170) and; The transaction management computer completes the financial product transaction between the transaction parties based on the verification information transmitted from the non-affiliated terminals (S180).

In addition, as another embodiment of the financial product transaction method of the present invention, in the embodiment of FIG. 12, after the financial product transaction is approved or during the transaction process, when an accident occurs in relation to the transaction of the financial product, the non-affiliated terminal It may be configured to further include a step of restoring the state to the state before the accident when the majority of the withdrawal of approval or the expression of intention to restore the original state is reached.

In this case, in order to prevent or block the occurrence of an accident, it can be settled regularly, for example, by setting a specific time, for example, once a day or more. can

In addition, as another embodiment of the financial instrument transaction method of the present invention, in the embodiment of FIG. 12, after the transaction management computer selects the buyer or transfers the transaction price from the buyer's dedicated account to the seller's dedicated account and performing encryption processing on the transaction information of the financial product in advance when transferring the rights of the financial product; The non-affiliated terminal may further include the step of decrypting the encrypted transaction information when verifying the transaction information.

In addition, as another embodiment of the financial product transaction method of the present invention, in the embodiment of FIG. 12, after the financial product transaction is completed, the corresponding financial product transaction detail information is created as a ledger, and the storage means of the terminal of the transaction party or the above It may be configured to further include a step of sharing transaction information by distributing and storing the ledger in a storage space of a cloud computing device granted to transaction parties and a storage means of the non-affiliated terminal participating in transaction approval.

13 is a flowchart for explaining another embodiment of the financial instrument trading method of the present invention.

As shown in FIG. 13, in the financial product transaction method of the present invention, the transaction management computer receives various financial product information provided by the financial product information providing computer that provides financial product information necessary for the financial product transaction, Sorting and storing with (S200); providing financial product information in the relevant field to expert members for each field of financial products in which the transaction management computer is stored (S210); receiving and storing expert recommendation data including expert knowledge on financial products provided by the expert member terminal by the transaction management computer (S220); Providing the financial product information and expert recommendation data to a predetermined number of non-affiliated person terminals used by the expert member selected by the transaction management computer or supported by the identity verification system and non-related persons unrelated to the financial product Step (S230) and; receiving, from the non-affiliated terminals, evaluation data on the financial product presented by the transaction management computer with reference to the financial product information and expert recommendation data (S240); (S250) allowing the transaction management computer to analyze the evaluation data of the non-affiliated persons and select and store a financial product investment recommendation target; Step S260 of determining whether additional evaluation is necessary by analyzing the information of the financial product investment recommendation stored in the transaction management computer; When the transaction management computer determines that additional evaluation of the financial product is necessary, providing agenda information including the financial product information, expert recommendation data, and investment recommendation selection target information to the collective intelligence convergence system (S270); and ; receiving, by the transaction management computer, decision-making information based on collective intelligence of the evaluation of the financial product provided from the collective intelligence convergence system (S280); The transaction management computer selects and stores financial product investment recommendations based on the evaluation information of the financial product provided by the collective intelligence convergence system (S290).

In addition, in the embodiment of FIG. 13 of the present invention, investment target financial product recommendation information generated based on the evaluation by the non-related persons stored in the transaction management computer or investment target financial product generated with support of the collective intelligence convergence system It may be configured to further include the step of providing recommendation information so that members can view it.

The embodiments of the present invention described above are only a part of various embodiments of the present invention. In the transaction of the financial product of the present invention, after the seller member and the buyer member perform identity authentication, an exclusive account is opened for each member, and after confirming the authentic right of the seller member of the financial product to be sold by the seller member, A buyer member who is matched with the purchase order of product information is determined, and a predetermined number of the above-mentioned parties to the transaction and unrelated persons unrelated to the financial product are selected to transfer the transaction amount to an exclusive account. The technical concept of the present invention to automatically perform authentication automatically, to complete the financial product transaction between the transaction parties according to the transaction approval of the non-affiliated terminal, and to provide certain benefits to the non-affiliated parties participating in the approval of the financial product transaction It goes without saying that the various embodiments included in correspond to the protection scope of the present invention.

1000: transaction management computer
2000: Data storage device
3000: seller terminal
4000: buyer terminal
5000: Non-affiliated terminal
6000: support system
6100: identity authentication system
6200: collective intelligence convergence system
6300: financial transaction system
7000: cloud computing device
8000: Financial product information providing computer
9000: Financial product management company system

Claims (9)

As a transaction management computer for financial products that manages the transactions of financial products of the parties to the transaction,
The transaction management computer includes at least one hardware processor and a memory storing a program related to financial instrument transactions, and the at least one hardware processor of the transaction management computer controls execution of the program stored in the memory,
Matching the sale order and the purchase order of the financial product to select the information of the transaction party of the financial product,
Extracting information of non-related people who have no relationship with the transaction party except for the information of related persons of the transaction party extracted by analyzing the communication details of the transaction party;
A transaction management computer for financial products, characterized in that for processing the financial product transactions of the transaction parties by receiving the transaction approval information of the transaction parties provided by the non-affiliated person terminals of the non-affiliates selected from among the extracted non-affiliates. The method of claim 1,
The transaction management computer of the financial product, characterized in that the information of the non-affiliated persons is also excluded from the information of the persons concerned in the financial product. The method of claim 1,
The transaction management computer for financial products, characterized in that the transaction parties are seller members and buyer members who open exclusive accounts in the transaction management computer after identity authentication based on information for confirming identity by related persons. The method of claim 3,
The transaction management computer for financial products, characterized in that the approval of the financial product transaction of the transaction party is performed based on the balance information of the exclusive account of the buyer member. The method of claim 3,
The transaction management computer for financial products, characterized in that the transaction approval of the transaction parties is automatically performed by a program executed in the non-affiliated terminals of the non-affiliated parties. The method of claim 1,
The transaction management computer for financial products, characterized in that the financial product transaction approval of the transaction parties is performed by a predetermined number of non-affiliated transaction approvers selected from among the extracted non-affiliated persons. The method of claim 1,
Transaction management computer for financial products, characterized in that the financial product transaction details of the parties to the transaction are distributed and stored in non-affiliated terminals of non-affiliated persons who participated in the approval of the financial product transaction, cloud storage space provided to non-affiliated persons, and transaction management computer. As a transaction management method for financial products using a transaction management computer for financial products that manages transactions of financial products between parties to a transaction,
selecting, by the transaction management computer, information on parties to the transaction of the financial product by matching a sell order and a purchase order of the financial product;
extracting, by the transaction management computer, information of non-affiliated persons unrelated to the transaction party excluding information of related persons of the transaction party extracted by analyzing communication details of the transaction party;
The transaction management computer receives the financial product transaction approval information of the transaction parties provided by the non-affiliated terminals of the non-affiliates selected from among the extracted non-affiliates, and processes the financial product transactions of the transaction parties. Transaction management method. receiving, by a transaction management computer, expert recommendation data of expert members related to a specific financial instrument;
receiving or extracting, by the transaction management computer, information of related persons related to the specific financial product and information of related persons related to the expert member, and extracting information of non-related persons excluding the information of the related persons;
The transaction management computer determines whether or not to recommend investment in the specific financial product based on evaluation data on the expert recommendation data provided by non-affiliated terminals of non-affiliated persons selected from among the extracted non-affiliated persons. Product transaction management method.

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