KR102551623B1 - Fund direct sales management system and method - Google Patents

Abstract

The present invention relates to a depository payment system, a manager system, a customer terminal, a manager terminal, and a fund direct sales management business system connected through a network with a trustee system, customer information, customer's fund information, trustee company information, manager information And a database unit for storing user principal and general principal; and a server that performs processing including fund establishment, cancellation, and trading according to a customer's request with reference to the database unit. In the embodiment of the present invention, the customer manages the principal safely using the user principal method, and when the deposit page is full during the customer's bankbook management, it is carried over to the remaining pages in the bankbook to be printed, thereby promoting customer convenience and password When processing (registration, change or input), a phone call is made to the customer through the "Call" button on the screen, and security can be strengthened by processing the work if the customer inputs the password and matches.

Description

Fund direct sales management system and method {Fund direct sales management system and method}

The present invention relates to a fund direct sales management business system and method, and in particular, to a fund direct sales management business system and method for a financial institution to perform fund direct sales management of a manager when concluding an entrustment contract with an investment trust management company will be.

In general, along with the rapid development of communication technology and computer fields, computer communication and Internet communication have become an essential means for modern people as a place of information acquisition and exchange, and their functions and roles are explosively increasing.

On the other hand, in modern society, the credit business of financial institutions such as banks and credit companies occupies an important part, and since the profits of financial institutions are typically generated from credit / deposit business, each financial institution efficiently performs credit / deposit business are trying to do

Recently, with the implementation of the Capital Market Consolidation Act approaching, measures to improve the efficiency of financial institution systems are being promoted, and the system is changed or a new system is established to enter into a competitive system to preoccupy customers and attract new customers. is currently doing.

In particular, recently, with the implementation of the Capital Market Consolidation Act ahead, financial institutions are actively developing new services.

On the other hand, in recent years, as Korea is gradually moving towards the ranks of financially advanced countries, customers' investment propensity is also changing. In the past, real estate accounted for most of the investment amount compared to assets, but recently, indirect investment products and direct investment products , since they are actively investing in complex investment products linked to derivatives, more investment products are being developed and operated in the market to reflect this.

These investment trust products are sold to individual customers through financial institutions including banks.

In the case of funds sold in this way, the manager manages the fund and makes a profit.

Therefore, it is necessary for financial institutions to provide convenience to fund managers so that they can focus on fund management.

The technical task to be achieved by the present invention is to improve the conventional problem, and to provide a fund direct sales management business system and method for financial institutions to perform fund direct sales management of the management company when signing an entrustment contract with an investment trust management company. is to provide

In addition, the technical problem to be achieved by the present invention is to improve the conventional inconvenience, and by providing a fund direct sales service to the manager, a fund direct sales management business system that can increase the revenue of the entrusted institution by receiving usage fees, and is to provide a way

The fund direct sales management work method according to the characteristics of the present invention for solving these problems is,

As a fund direct sales management business method of a fund direct sales management business system connected to the depository payment system, manager system, customer terminal, manager terminal, and trust company system through a network,

A step of the person in charge accessing the depository system with the person in charge's terminal and downloading a reference price file for the reference date;

receiving a standard price file downloaded from the depository system from the terminal in charge;

processing fund purchase, redemption, or settlement of funds using the standard price input by the server;

Step of the server changing whether the branch business is open to open so that the branch can conduct a fund trading business;

checking the balances of funds to be sold today by the server and processing the balances available for sale through setting processing so that the funds can be sold;

processing, by the server, business including trading of collective investment securities;

Stopping business processing including trading to prevent data errors when notifying the number of units and the amount to the depository system by changing the business start status to closed after the branch business is closed and inspected by the server;

making and uploading, by the server, the number of units and amounts of funds set or terminated today in a depository format file to the depository system and management company system according to the request of the person in charge terminal;

Remittance and receipt of amounts generated by the server through the trustee company system;

When the server finishes processing all tasks at the head office, changing whether or not to start the work to final closing stops all processing tasks;

The server generates aggregated data through daily closing arrangements, and changes user status updates and work start status to before start.

The step of processing fund purchase, redemption, or settlement of funds using the standard price input by the server,

Step of the server determining and processing the number of units of the trade request, which is the closing date of the day, using the input standard price;

The server processing the payment of the transaction request for today's settlement date;

The server receives settlement information of the fund on today's settlement date and processes reinvestment, cash distribution, and redemption through settlement processing.

The step of the server processing business including trading of collective investment securities,

the server requesting purchase or redemption of the fund according to the customer's request;

In response to the customer's request, the server processing various reports and issuing various certificates for customer business processing;

The server performs deposit processing for the customer to purchase a fund, or processing withdrawal of the redemption processed amount according to the customer's request.

The server manages the general principal and the customer's user principal,

The general principal method is a method of managing reinvestment in the form of adding the reinvested portion to the principal of the customer.

The user principal method is managed by the pension fund, and is managed so that the amount deposited into the deposit rather than the amount purchased by the customer is calculated as the principal.

When the deposit side is carried over while printing the transaction details of the above customer’s bankbook, the deposit and purchase or redemption application processing details are integrated and managed, but page 1 of the bankbook is the deposit account, pages 2 to 9 are the fund account, and the deposit page is full. If it is printed, it is carried over to the remaining pages in the bankbook.

The server allows the customer to directly input the password when the customer applies for purchase or redemption over the wire,

When processing the password (registration, change or input), a phone call is made to the customer through the "Call" button on the screen, and if the customer inputs the password and matches, the work is processed.

The fund direct sales management business system according to the characteristics of the present invention for solving these problems is,

As a fund direct sales management business method of a fund direct sales management business system connected to the depository payment system, manager system, customer terminal, manager terminal, and trust company system through a network,

A database unit for storing customer information, customer fund information, trustee company information, management company information, and user principal and general principal;

A server that performs processing including fund establishment, cancellation, and trading according to the customer's request with reference to the database unit;

The server performs the method.

In an embodiment of the present invention, it is possible to provide a fund direct sales management business system and method for a financial institution to perform fund direct sales business management of the manager upon signing an entrustment contract with an investment trust management company.

In addition, in the embodiment of the present invention, it is possible to provide a fund direct sales management business system and method that can increase the revenue of the entrusted institution by receiving usage fees by providing the fund direct sales business service to the management company.

In addition, in the embodiment of the present invention, the customer manages the principal safely using the user principal method, and when the deposit page is full when managing the customer's bankbook, it is carried over to the remaining pages in the bankbook to be printed, promoting customer convenience , Fund direct sales management task that reinforces security by making a phone call to the customer through the "Call" button on the screen when processing the password (registration, change or input), and handling the business if the customer inputs the password and matches Systems and methods can be provided.

1 is a block diagram of a fund direct sales management business system according to an embodiment of the present invention.
2 is an operation flow chart of a fund direct sales management method according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated.

1 is a block diagram of a fund direct sales management business system according to an embodiment of the present invention.

Referring to Figure 1, the fund direct sales management business system according to an embodiment of the present invention,

Depository payment system (400), manager system (600), customer terminal (300), manager terminal (200), and trustee company system (500) through a network (700) Fund direct fund sales management business system As a sales management business method,

A database unit 120 for storing customer information, customer fund information, trust company information, management company information, and user principal and general principal;

It includes a server 110 that refers to the database unit 120 and performs processing including fund establishment, cancellation, and trading according to a customer's request.

The database unit 120 includes a fund information DB 121 for storing customer information, customer fund information, trustee company information, and management company information;

User principal information DB 122 for storing user principal information;

A general principal information DB 123 for storing general principal information is included.

The server 110 may execute a control program.

The server 110 divides and manages the general principal and the customer's user principal,

The general principal method is a method of managing reinvestment in the form of adding the reinvested portion to the principal of the customer.

The user principal method is managed by the pension fund, and is managed so that the amount deposited into the deposit rather than the amount purchased by the customer is calculated as the principal.

1페이지는 예수금 계좌이고,

2~9페이지는 펀드 계좌이며, 예수금 페이지가 만란이 된 경우 통장에 남은 페이지로 이월하여 인쇄되도록 한다.In the case of carrying over the deposit side during printing of the transaction details of the above customer's bankbook, the deposit and purchase or redemption application processing details are integrated and managed, but

Page 1 is a deposit account,

Pages 2 to 9 are fund accounts, and if the deposit page is full, it is carried over to the remaining pages in the bankbook and printed.

The server 110 allows the customer to directly input the password when the customer applies for purchase or redemption over the wire,

When processing the password (registration, change or input), a phone call is made to the customer through the "Call" button on the screen, and if the customer inputs the password and matches, the work is processed.

The operation of the fund direct sales management business system according to an embodiment of the present invention having such a configuration will be described as follows.

2 is an operation flow chart of a fund direct sales management method according to an embodiment of the present invention.

Referring to FIG. 2 , first, the person in charge accesses the depository system through the person in charge terminal 200 and downloads a standard date reference price file (S200).

Then, the person in charge accesses the server 110 with the person in charge terminal 200, loads the standard price file received from the depository system, and then inputs the file. Then, the server 110 receives the standard price file downloaded from the depository system from the manager terminal 200 (S210).

Next, the server 110 processes fund purchase, redemption, or settlement of funds (according to the request of the customer terminal) using the input standard price (S220).

For example, the server 110 finalizes and processes the number of units of a trade request, which is the closing date of today, using the input standard price.

In addition, the server 110 processes the payment of the transaction request, which is the settlement date of today.

In addition, the server 110 receives the settlement information of the fund of today's settlement date and processes reinvestment, cash distribution, and redemption through settlement processing.

Here, if the deposit account (page 1) becomes full when the customer reads the bankbook by processing the purchase/repurchase application, the bankbook should be moved over, but it is carried over by the side management of the bankbook.

In addition, when a customer applies by phone, the customer's password is protected and processed by directly inputting the password into the customer terminal 300 without receiving the customer's password.

Then, the server 110 changes the branch office business start status to open so that the branch office can conduct fund trading (S230).

Next, the server 110 checks the balance of the funds to be sold today and processes the balance available for sale through setting processing to enable sale (S240).

Then, the server 110 processes tasks including trading of collective investment securities (S250).

For example, the server 110 requests purchase or redemption of a fund according to a customer's request.

In addition, according to the customer's request, the server 110 processes various reports and certificate issuance for customer business processing.

In addition, the server 110 processes a deposit for a customer to purchase a fund, or withdraws the redeemed amount according to a customer's request.

And, the server 110 handles all other tasks related to fund trading.

Next, the server 110 changes the business start status to close after the branch office business is closed and inspected, and when notifying the depository number and amount to the depository payment system 400, business processing including trading is stopped to prevent data errors (S260 ).

Then, the server 110 creates and uploads the number of units and amounts of funds set or canceled today to the depository payment system 400 and the manager system 600 as a depository format file at the request of the person in charge terminal 200 Do (S270).

Next, the server 110 processes remittance and receipt through the consignment company system of the amounts generated during today's purchase or redemption processing (S280).

Thereafter, when the server 110 finishes processing all tasks at the head office, it changes whether or not to start the work to final closing, and stops all processing tasks (S290).

Then, the server 110 generates aggregated data through daily closing arrangements, and changes user status update and work start status to before start (S300).

In the above embodiment of the present invention, the financial institution can perform the management of direct sales of funds by the management company when the above consignment contract is concluded with the investment trust management company.

In addition, in an embodiment of the present invention, by providing a direct fund sales business service to the management company, it is possible to increase the revenue of the entrusted institution by receiving usage fees.

In addition, in the embodiment of the present invention, the customer manages the principal safely using the user principal method, and when the deposit page is full when managing the customer's bankbook, it is carried over to the remaining pages in the bankbook to be printed, promoting customer convenience , Security can be strengthened by making a phone call to the customer through the "Call" button on the screen when processing the password (registration, change or input), and processing the business if the customer inputs the password and matches.

The embodiments of the present invention described above are not implemented only through devices and methods, and may be implemented through a program that realizes functions corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded. Implementation can be easily implemented by an expert in the technical field to which the present invention belongs based on the description of the above-described embodiment.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concept of the present invention defined in the following claims are also included in the scope of the present invention. that fall within the scope of the right.

Claims (7)

As a fund direct sales management business method of a fund direct sales management business system connected to the depository payment system, manager system, customer terminal, manager terminal, and trust company system through a network,
A step of the person in charge accessing the depository system with the person in charge's terminal and downloading a reference price file for the reference date;
receiving a standard price file downloaded from the depository system from the terminal in charge;
processing fund purchase, redemption, or settlement of funds using the standard price input by the server;
Step of the server changing whether the branch business is open to open so that the branch can conduct a fund trading business;
checking the balances of funds to be sold today by the server and processing the balances available for sale through setting processing so that the funds can be sold;
processing, by the server, business including trading of collective investment securities;
Stopping business processing including trading to prevent data errors when notifying the number of units and the amount to the depository system by changing the business start status to closed after the branch business is closed and inspected by the server;
making and uploading, by the server, the number of units and amounts of funds set or terminated today in a depository format file to the depository system and management company system according to the request of the person in charge terminal;
Remittance and receipt of amounts generated by the server through the trustee company system;
When the server finishes processing all tasks at the head office, changing whether or not to start the work to final closing stops all processing tasks;
The server generates aggregated data through daily closing arrangements and changes user status updates and work start status to before start,
The step of processing fund purchase, redemption, or settlement of funds using the standard price input by the server,
Step of the server determining and processing the number of units of the trade request, which is the closing date of the day, using the input standard price;
The server processing the payment of the transaction request for today's settlement date;
Including the step of receiving the settlement information of the fund on the settlement date today and processing reinvestment, cash distribution, and redemption through settlement processing,
The step of the server processing business including trading of collective investment securities,
the server requesting purchase or redemption of the fund according to the customer's request;
In response to the customer's request, the server processing various reports and issuing various certificates for customer business processing;
The server processing a deposit for the customer to purchase a fund, or processing the withdrawal of the redemption amount according to the customer's request,
The server manages the general principal and the customer's user principal,
The general principal method is a method of managing reinvestment in the form of adding the reinvested portion to the principal of the customer.
The user principal method is managed by the pension fund, and is managed so that the amount deposited into the deposit, not the amount purchased by the customer, is calculated as the principal.
The server allows the customer to directly input the password when the customer applies for purchase or redemption over the wire,
A fund direct sales management method that makes a phone call to the customer through the "Call" button on the screen when processing the password (registration, change, or input), and handles the business when the customer inputs the password and matches. delete delete delete delete delete As a fund direct sales management business system that is connected to the depository payment system, manager system, customer terminal, manager terminal, and trust company system through a network,
A database unit for storing customer information, customer fund information, trustee company information, management company information, and user principal and general principal;
A server that performs processing including fund establishment, cancellation, and trading according to the customer's request with reference to the database unit;
The server is a fund direct sales management business system that performs the method of claim 1.

Images