KR20010095986A - Internet-based investment broking server and investment broking method thereof - Google Patents
Internet-based investment broking server and investment broking method thereof Download PDFInfo
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- KR20010095986A KR20010095986A KR1020000019519A KR20000019519A KR20010095986A KR 20010095986 A KR20010095986 A KR 20010095986A KR 1020000019519 A KR1020000019519 A KR 1020000019519A KR 20000019519 A KR20000019519 A KR 20000019519A KR 20010095986 A KR20010095986 A KR 20010095986A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
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Abstract
Description
본 발명은, 인터넷 기반 투자중개서버 및 그 투자중개방법에 관한 것으로, 보다 상세하게는 인터넷을 통해 용이하게 소액자금을 투자할 수 있도록 해주는 투자중개서버 및 그 투자중개방법에 관한 것이다.The present invention relates to an internet-based investment brokering server and an investment brokering method. More particularly, the present invention relates to an investment brokering server and an investment brokering method for making it possible to easily invest a small amount of money through the Internet.
최근 네트워크 관련기술 및 통신기술의 발달로 인터넷사용인구가 급격히 증가하고 있다. 인터넷을 기반으로 제공되는 각종 서비스의 가장 큰 장점은 시간과 장소에 구애받지 않으며 서비스제공자 및 서비스사용자 양측 모두의 시간과 비용을 절약해준다는 점에 있다. 이에 부응하여 최근 전화망(PSTN)을 기반으로 행하여지던 텔레뱅킹에 더불어 인터넷을 기반으로 한 인터넷뱅킹서비스를 제공하는 은행이 늘어나고 있다. 그러나, 현재 제공되고 있는 인터넷뱅킹서비스는 금융상품소개와 더불어 기존의 텔레뱅킹서비스를 인터넷기반으로 구현한 것에 불과한 경우가 대부분으로, 입출금서비스, 계좌이체서비스, 타행이체서비스, 잔액조회서비스 등 단순업무에 국한되고 있다.Recently, due to the development of network-related and communication technologies, the Internet population is rapidly increasing. The greatest advantage of the various services provided on the Internet is that it saves time and money for both service providers and service users regardless of time and place. In response to this, in addition to telebanking based on a telephone network (PSTN), banks that provide Internet-based internet banking services are increasing. However, the current Internet banking services are not only financial products, but also existing telebanking services based on the Internet. Most of them are simple tasks such as deposit and withdrawal services, bank transfer services, other transfer services, and balance inquiry services. It is limited to.
한편, 투자신탁회사, 투자운용회사 등의 투자전문회사에서도 또한 인터넷홈페이지를 운영하고 있으나 회사소개, 업무소개, 및 상품소개에 그칠 뿐 실제 인터넷을 기반으로 하여 투자상품을 판매하는 금융거래는 수행하지 않고 있다.On the other hand, investment firms such as investment trust companies and investment management companies also operate the Internet homepage, but they only introduce the company, job introduction, and product introduction, but do not conduct financial transactions that sell investment products based on the actual Internet. It is not.
이에, 자금투자자는 직접 오프라인 상의 은행객장 혹은 투자회사객장에 나가서 전담직원과의 상담을 통해 원하는 투자상품에 가입해야 한다. 더욱이, 기존 은행이나 투자회사에서 제공되는 투자상품은 수익성을 고려하여 일정기간 이상 일정금액 이상의 자금예치조건을 제시하는 경우가 대부분으로, 단기운용을 위한 소액자금을 투자하기 위한 투자자인 경우 종래 금융권을 이용하기는 사실상 어려운 점이 많았다.Therefore, the fund investor should directly go to the offline bank account or investment company site and join a desired investment product through consultation with a dedicated employee. Moreover, investment products provided by existing banks or investment companies often offer more than a certain amount of funds for a certain period of time in consideration of profitability. In the case of an investor who invests a small amount of funds for short-term operation, the conventional financial sector It was difficult to use in practice.
따라서, 본 발명의 목적은, 단기운용을 위한 소액자금을 용이하게 투자할 수 있도록 해주는 인터넷 기반 투자중개서버 및 그 투자중개방법을 제공하는 것이다.Accordingly, it is an object of the present invention to provide an internet-based investment brokering server and an investment brokering method thereof, which facilitate investment of a small amount of funds for short term operation.
본 발명의 다른 목적은, 보다 간편한 절차를 통해 자금을 투자하고 대출을 받을 수 있는 인터넷 기반 투자중개서버 및 그 투자중개방법을 제공하는 것이다.It is another object of the present invention to provide an internet-based investment brokering server and a method for brokering investments through which a fund can be invested and loaned through a simpler procedure.
도 1은 본 발명의 바람직한 실시예에 따른 투자중개서버(1)가 적용된 인터넷 투자중개시스템을 설명하기 위한 블럭도,1 is a block diagram illustrating an internet investment brokerage system to which an investment brokerage server 1 is applied according to a preferred embodiment of the present invention;
도 2는 도 1의 투자중개서버(1)의 블록도,2 is a block diagram of the investment brokerage server 1 of FIG.
도 3은 본 발명의 바람직한 실시예에 따른 투자중개서버(1)의 위탁계좌 할당절차를 설명하기 위한 플로우챠트,3 is a flowchart illustrating a consignment account allocation procedure of the investment intermediation server 1 according to a preferred embodiment of the present invention;
도 4는 본 발명의 바람직한 실시예에 따른 투자중개서버(1)의 투자수탁절차를 설명하기 위한 플로우챠트,Figure 4 is a flow chart for explaining the investment entrustment procedure of the investment brokerage server 1 according to a preferred embodiment of the present invention,
도 5는 본 발명의 바람직한 실시예에 따른 투자중개서버(1)의 대출절차를 설명하기 위한 플로우챠트이다.5 is a flowchart illustrating a loan procedure of the investment intermediation server 1 according to the preferred embodiment of the present invention.
* 도면의 주요 부분에 대한 부호의 설명* Explanation of symbols for the main parts of the drawings
1: 투자중개서버 3: 인터넷접속수단1: investment broker server 3: Internet access means
5: 인터넷 6: 금융결재서버5: Internet 6: Financial settlement server
20: 제어모듈 21: 통신모듈20: control module 21: communication module
22: 회원고객데이터베이스 22a: 개인고객데이터베이스22: Member Customer Database 22a: Personal Customer Database
22b: 기업고객데이터베이스 23: 상품정보데이터베이스22b: Corporate Customer Database 23: Product Information Database
24: 거래내역데이터베이스24: Transaction history database
상기 목적은, 본 발명에 따라, 인터넷 기반 투자중개방법에 있어서, 적어도 하나의 투자상품에 대한 투자상품정보 및 적어도 하나의 대출상품에 대한 대출상품정보를 표시하는 단계; 적어도 일 회원고객의 대응 위탁계좌로 소정 상기 투자상품에 대한 투자위탁자금을 입금받는 단계; 및 상기 입금된 투자위탁자금 중 적어도 일부를 출금하여 상기 회원고객 중 소정 상기 대출상품을 이용하고자 하는 회원고객의 대응 위탁계좌로 입금하는 단계를 포함하는 것을 특징으로 하는 투자중개방법에 의해 달성된다.According to the present invention, the Internet-based investment brokering method, comprising: displaying investment product information for at least one investment product and loan product information for at least one loan product; Receiving an investment trust fund for the predetermined investment product into a corresponding trust account of at least one member customer; And withdrawing at least a portion of the deposited investment consignment funds and depositing them into a corresponding consignment account of a member customer who wants to use a predetermined loan product among the member customers.
여기서, 상기 위탁계좌는, 회원가입시 소정 금융기관에 개설되어 상기 회원고객에게 할당되며, 상기 투자상품정보는, 투자금액, 투자기간, 및 약정금리를 포함하고, 상기 대출상품정보는, 대출금액, 대출기간, 및 대출금리를 포함하며, 상기 거래내역정보는, 상기 위탁계좌의 입출금내역, 예상이자, 및 상환예정일을 포함하는 것이 바람직하다.Here, the consignment account is opened to a predetermined financial institution at the time of membership registration and assigned to the member customer, wherein the investment product information includes an investment amount, an investment period, and an interest rate, and the loan product information includes a loan amount, It includes a loan period, and the interest rate, and the transaction history information, it is preferable that the deposit and withdrawal history, expected interest, and the repayment due date of the consignment account.
한편, 본 발명의 다른 분야에 따르면, 상기 목적은, 인터넷 기반 투자중개서버 시스템에 있어서, 복수의 회원고객에게 각각 할당된 위탁계좌에 대한 위탁계좌정보를 포함한 고객정보를 저장하기 위한 회원고객데이터베이스; 적어도 하나의 투자상품에 대한 투자상품정보 및 적어도 하나의 대출상품에 대한 대출상품정보를 저장하기 위한 상품정보데이터베이스; 상기 위탁계좌에 대한 입출금내역을 저장하기 위한 거래내역데이터베이스; 인터넷를 통해 상기 회원고객의 인터넷접속수단과 접속하고 소정 데이터를 주고받기 위한 통신모듈; 및 상기 통신모듈을 통해 상기 인터넷접속수단에 상기 투자상품정보 및 상기 대출상품정보가 표시되도록 하고, 상기 표시된 투자상품 중 적어도 일 투자상품에 대한 투자위탁자금을 적어도 하나의 상기 회원고객으로부터 상기 대응 위탁계좌로 입금받으며, 상기 입금된 투자위탁자금 중 적어도 일부를 상기 회원고객 중 소정 상기 대출상품을 대출받고자 하는 회원고객의 상기 대응 위탁계좌로 입금하기 위한 제어모듈을 포함하는 것을 특징으로 하는 투자중개서버에 의해서도 달성된다.On the other hand, according to another field of the present invention, the above object is, Internet-based investment brokerage server system, member customer database for storing customer information including the consignment account information for the consignment account each assigned to a plurality of member customers; A product information database for storing investment product information on at least one investment product and loan product information on at least one loan product; A transaction history database for storing deposit and withdrawal details for the consigned account; A communication module for connecting to and receiving predetermined data from the Internet access means of the member customer through the Internet; And displaying the investment product information and the loan product information on the internet access means through the communication module, and consigning an investment consignment fund for at least one investment product among the displayed investment products from the at least one member customer. Receiving money in the account, the investment brokerage server comprising a control module for depositing at least a portion of the deposited investment trust funds to the corresponding consignment account of the member customer who wants to borrow the predetermined loan product among the member customers It is also achieved by
여기서, 상기 제어모듈은, 상기 위탁계좌에 대한 입출금정보가 상기 대응 회원고객의 상기 인터넷접속수단에 표시되도록 한다.Here, the control module, so that the deposit and withdrawal information for the consignment account is displayed on the Internet access means of the corresponding member customer.
또한, 상기 위탁계좌는, 소정 금융기관에 개설되며, 상기 제어모듈은 상기 통신모듈을 통해 상기 금융기관의 금융결재서버와 접속하여 소정 상기 위탁계좌로의 입금 및 소정 상기 위탁계좌로부터의 출금을 지시하며 상기 위탁계좌의 입출금내역을 실시간으로 확인할 수 있는 것이 효과적이며, 상기 투자상품정보는, 투자금액, 투자기간, 및 약정이자율을 포함하고, 상기 대출상품정보는, 대출금액, 대출기간, 및 대출금리를 포함하며, 상기 거래내역정보는, 상기 투자위탁자금에 대한 입출금내역, 예상이자, 및 상환예정일을 포함하는 것이 바람직하다.In addition, the consignment account is opened in a predetermined financial institution, and the control module is connected to the financial settlement server of the financial institution through the communication module to instruct the deposit into the predetermined consignment account and withdrawal from the predetermined consignment account. And it is effective to check the deposit and withdrawal history of the consignment account in real time, the investment product information includes the investment amount, investment period, and the interest rate, the loan product information, loan amount, loan period, and loan It includes an interest rate, and the transaction details information, it is preferable that the deposit and withdrawal history, expected interest, and repayment due date for the investment entrusted funds.
이하에서는 도면을 참조하여 본 발명을 상세히 설명한다.Hereinafter, the present invention will be described in detail with reference to the drawings.
도 1은 본 발명의 바람직한 실시예에 따른 투자중개서버(1)가 적용된 인터넷 투자중개 시스템을 설명하기 위한 블럭도이다.1 is a block diagram illustrating an internet investment brokerage system to which an investment brokerage server 1 according to a preferred embodiment of the present invention is applied.
도 1을 참조하면, 인터넷 투자중개 시스템은, 인터넷(5)에 연결되어 투자중개서버(1)에 접속하기 위한 PC, 웹브라우저 탑재 모바일폰 등 적어도 하나의 인터넷접속수단(3)과, 인터넷(5)에 연결되어 인터넷접속수단(3)에 투자상품정보 또는 대출상품정보를 표시하고 소정 금융기관의 금융결재서버(6)와 필요한 정보를 주고받음으로써 회원고객으로부터 위탁된 투자위탁자금을 대출받고자 하는 회원고객에게 대출해주기 위한 투자중개 응용프로그램이 탑재된 투자중개서버(1)를 포함한다. 여기서, 인터넷(5)은 기타 다른 네트워크망, 예를 들어 LAN, WAN, PSTN(Public Switched Telephone Network), PSDN(Public Switched Data Network), cable TV망, 무선통신망 등으로 대체가능하다.Referring to FIG. 1, the Internet investment brokerage system includes at least one Internet connection unit 3, such as a PC, a mobile phone equipped with a web browser, connected to the Internet 5, and connected to the investment brokerage server 1, and the Internet ( 5) to be connected to the Internet access means (3) to display the investment product information or loan product information, and to receive the investment trust funds entrusted by the member customers by exchanging necessary information with the financial settlement server (6) of the predetermined financial institution It includes an investment brokerage server (1) equipped with an investment brokerage application for lending to a member customer. Here, the Internet 5 may be replaced with other network networks, for example, LAN, WAN, Public Switched Telephone Network (PSTN), Public Switched Data Network (PSDN), cable TV network, and wireless communication network.
금융결재서버(6)는, 본 발명에 따른 투자중개서버(1)에 의해 인터넷(5) 상에서 운영되는 투자중개사이트와 제휴한 특정 금융기관의 금융결재를 총괄하는 서버이다. 상기 금융기관에는 상기 투자중개사이트에 회원으로 가입한 회원고객의 위탁계좌가 개설되어 있다. 위탁계좌는 회원가입시 투자중개서버(1)의 모계좌에 대한 자계좌형식으로 고객에게 할당된다. 물론, 회원가입 후 투자위탁금액을 입금 혹은 대출받고자하는 회원의 요청시 개설되도록 구성가능하다.The financial settlement server 6 is a server that oversees the financial settlement of a specific financial institution affiliated with the investment brokerage site operated on the Internet 5 by the investment brokerage server 1 according to the present invention. The financial institution has a consignment account for a member customer who has subscribed to the investment brokerage site as a member. The entrusted account is assigned to the customer in the form of a magnetic account for the parent account of the investment brokerage server (1) upon membership registration. Of course, it can be configured to open at the request of the member to deposit or loan the investment entrusted amount after membership.
물론, 투자중개서버(1)의 운영자가 직접 금융기관을 설립하여 금융결재서버(6)를 직접 운영할 수도 있다. 이와 같은 경우, 투자중개서버(1)와 금융결재서버(6)의 기능이 모두 탑재된 단일의 투자중개서버로의 구성이 가능하다.Of course, the operator of the investment intermediation server (1) may directly establish a financial institution to directly operate the financial settlement server (6). In such a case, it is possible to configure a single investment mediation server equipped with both the functions of the investment mediation server 1 and the financial settlement server 6.
도 2는 도 1의 투자중개서버(1)의 블록도이다.FIG. 2 is a block diagram of the investment mediation server 1 of FIG. 1.
도 2를 참조하면, 투자중개서버(1)는, 회원ID, 패스워드, 위탁계좌정보, 전자메일주소, 등 고객정보를 저장하기 위한 회원고객데이터베이스(22)와, 투자상품에 관한 최소투자금액, 투자기간, 약정금리, 정산시기, 정산방법 등의 투자상품정보 및 대출상품에 관한 최소대출금액, 대출기간, 대출금리 등의 대출상품정보를 저장하기 위한 상품정보데이터베이스(23)와, 각 위탁계좌에 대한 입출금내역, 예상(투자/대출)이자, (투자/대출)상환예정일 등 위탁계좌정보 및 거래내역정보를 저장하기 위한 거래내역데이터베이스(24)와, 금융결재서버(6) 또는 인터넷(5)에 접속하여 필요한 데이터를 송수신하기 위한 통신모듈(31), 및 상기 통신모듈을 통해 상기 인터넷접속수단(3)에 상기 투자상품정보 및 상기 대출상품정보가 표시되도록 하고, 소정 금융기관의 금융결재서버(6)에 접속하여 회원고객으로부터 상기 금융기관에 개설된 상기 회원고객의 위탁계좌로 상기 표시된 투자상품 중 적어도 일 투자상품에 대한 투자위탁자금이 입금되었는지 여부를 확인하며, 소정 상기 대출상품을 대출받고자하는 회원고객의 상기 금융기관에 개설된 위탁계좌에 상기 입금된 투자위탁자금 중 적어도 일부를 입금하고, 소정 기간이 경과한 후 상기 위탁계좌별로 각각 정산하기 위한 제어모듈(20)을 포함한다.Referring to FIG. 2, the investment brokerage server 1 includes a member customer database 22 for storing customer information such as a member ID, a password, a consigned account information, an e-mail address, a minimum investment amount for investment products, Product information database 23 for storing investment product information such as investment period, contract interest rate, settlement time, settlement method, and loan product information such as minimum loan amount, loan period, loan interest rate, etc. Transaction history database 24 for storing consignment account information and transaction history information, such as deposit and withdrawal details, expected (investment / loan) interest, expected (investment / loan) repayment date, financial settlement server (6) or the Internet (5) ), The communication module 31 for transmitting and receiving necessary data, and the investment product information and the loan product information are displayed on the Internet access means 3 through the communication module, and the financial settlement of a predetermined financial institution. Accessing the burr 6 and confirming whether or not an investment consignment fund for at least one investment product among the displayed investment products has been deposited from the member customer to the consignment account of the member customer opened in the financial institution, and And a control module 20 for depositing at least a portion of the deposited investment trust funds into a consignment account opened in the financial institution of the member customer to be loaned, and settled for each of the entrusted accounts after a predetermined period of time. .
여기서, 회원고객데이터베이스(22)는, 개인고객데이터베이스(22a) 및 기업고객데이터베이스(22b)로 분리관리된다. 본 발명의 바람직한 실시예에 따른 투자중개서버가 적용된 인터넷 투자중개 시스템은, 주로 개인의 단기운용을 위한 소액자금을 취합하여 신용도가 높은 우량고객에게 저금리로 대출시켜주기 위한 것이므로, 투자위탁자금의 제공자는 주로 개인이 될 것이며, 대출수요자는 주로 기업고객이 될 것이기 때문이다. 따라서, 기업고객데이터베이스(22b)에 저장된 회원기업은 다양한 기업신용평가툴에 의해 선별된 우량기업만으로 제한되며, 거래실정변화, 거래실적 등 신용지표의 변화에 따라 수시로 업데이트되는 바, 데이터베이스구성 및 그 처리방법은 본 발명의 범위 밖에 있으므로 이에 대한 상세한 설명은 생략한다.Here, the member customer database 22 is separately managed by the individual customer database 22a and the corporate customer database 22b. Internet investment brokerage system to which the investment brokerage server according to the preferred embodiment of the present invention is applied, mainly to collect small funds for short-term operation of the individual to lend to high-quality high-quality customers at low interest rates, the provider of investment trust funds Will be primarily individuals, and lenders will be primarily corporate customers. Therefore, the member companies stored in the corporate customer database 22b are limited to only high-quality companies selected by various corporate credit evaluation tools, and are frequently updated in accordance with changes in credit indicators such as changes in transaction status and performance. Since the treatment method is outside the scope of the present invention, a detailed description thereof will be omitted.
상기와 같은 구성에 따른 투자중개방법은 다음과 같다.Investment mediation method according to the above configuration is as follows.
먼저, 개인 및 기업회원고객에 대한 위탁계좌 할당절차를 설명한다.First, the process of allocating consignment accounts for individual and corporate member customers will be explained.
도 3은 본 발명의 바람직한 실시예에 따른 투자중개서버(1)의 위탁계좌 할당절차를 설명하기 위한 플로우챠트이다.3 is a flowchart illustrating a consignment account allocation procedure of the investment intermediation server 1 according to a preferred embodiment of the present invention.
단기운용을 위한 소액자금 등 투자자금을 위탁하고자 하는 고객은 먼저 PC 인터넷TV, 웹브라우저 탑재 모바일폰(이하 "웹폰"이라 함) 등 인터넷접속수단(3)을 사용하여 인터넷(5)을 통해 투자중개서버(1)에 의해 인터넷(5) 상에서 운영되는 투자중개사이트에 접속한다.Customers who wish to entrust investment funds, such as micro-finances for short-term operation, first invest through the Internet (5) using Internet access means (3), such as PC Internet TV, mobile phone with web browser (hereinafter referred to as "web phone"). The mediation server 1 connects to the investment mediation site operating on the Internet 5.
이에, PC, 인터넷TV, 웹폰(3) 등의 디스플레이화면에는 상기 투자중개사이트의 홈페이지가 표시된다. 홈페이지에는 회원등록에 대한 안내문을 제공하기 위한 회원등록안내아이콘, 상품정보를 검색하기 위한 상품메뉴아이콘(투자상품정보아이콘 및 대출상품정보아이콘), 및 회원등록을 위한 회원등록아이콘이 배치되어 있다. 투자상품정보 및 대출상품정보는 회원등록여부에 상관없이 누구라도 검색이 가능하나 실제 투자 및 대출을 위해서는 회원으로 등록하고 로그인할 것이 요구된다.Accordingly, the homepage of the investment brokerage site is displayed on the display screen of the PC, the Internet TV, the web phone 3 and the like. On the homepage, a member registration guide icon for providing a guide for member registration, a product menu icon (investment product information icon and loan product information icon) for searching for product information, and a member registration icon for member registration are arranged. Anyone can search for investment product information and loan product information regardless of membership registration, but for real investment and loan, it is required to register and log in as a member.
고객이 회원등록아이콘을 클릭하면(301단계), 회원실명, 회원ID, 패스워드, 전자메일주소, 주소, 등 회원정보를 입력할 수 있는 복수의 입력창이 배치된 입력화면이 표시된다(302단계). 회원등록을 하고자 하는 개인 혹은 기업고객은 상기 입력화면에 필요한 사항을 입력하고 입력화면에 포함된 회원등록완료아이콘을 클릭함으로써 회원가입을 신청한다. 입력된 회원정보는 인터넷(5)를 통해 투자중개서버(1)의 통신모듈(21)로 전송되고, 제어모듈(20)에 전달된다(303단계). 온라인 혹은 오프라인을 통해 당해 고객의 실명확인절차가 완료되면(304단계), 제어모듈(20)은 금융결재서버(6)로부터 당해 회원고객에 대한 위탁계좌번호를 할당받고 이를 상기 회원정보에 함께 회원고객데이터베이스(22)의 해당영역에 저장함과 동시에, 통신모듈(21)을 통해 할당받은 위탁계좌번호를 당해 회원고객의 인터넷접속수단(3)으로 전송한다(305단계).When the customer clicks the member registration icon (step 301), an input screen in which a plurality of input windows for inputting member information such as a member's room name, member ID, password, e-mail address, address, etc. are arranged is displayed (step 302). . Individual or corporate customers who wish to register for membership apply for membership by entering the necessary information on the input screen and clicking the member registration complete icon included in the input screen. The input member information is transmitted to the communication module 21 of the investment brokerage server 1 through the Internet 5, and is transmitted to the control module 20 (step 303). When the real name verification procedure of the customer is completed online or offline (step 304), the control module 20 is assigned a consigned account number for the member customer from the financial settlement server 6 and the member is added to the member information. While storing in the corresponding area of the customer database 22, the consigned account number assigned through the communication module 21 is transmitted to the Internet access means 3 of the member customer (step 305).
또한, 회원등록은, 예를 들어, 전화를 통한 구두회원등록 및 우편을 통한 회원등록방법과 병행운영되도록 구성할 수 있다. 또한, 위탁계좌번호는 오프라인을 통해 당해 회원고객에게 제공되거나 당해 회원만이 오픈하여 볼 수 있도록 보안수단을 부가하여 당해 투자중개사이트에 올려놓는 방법에 의해 제공될 수 있다.In addition, member registration may be configured to be operated in parallel with, for example, oral member registration via telephone and member registration method via mail. In addition, the consigned account number may be provided to the member customer through offline or by a method of adding the security means so that only the member can open and view it on the investment brokerage site.
다음으로, 개인회원고객으로부터의 투자수탁절차를 설명한다.Next, the process of entrusting investment from individual member customers will be explained.
도 4는 본 발명의 바람직한 실시예에 따른 투자중개서버(1)의 투자수탁절차를 설명하기 위한 플로우챠트이다.4 is a flowchart for explaining the investment entrustment procedure of the investment mediation server 1 according to the preferred embodiment of the present invention.
자금을 일정기간 동안 투자하고자 하는 등록회원고객이 투자중개서버(1)에 접속하면, PC, 인터넷TV, 웹폰 등 인터넷접속수단(3)에 상품메뉴아이콘을 포함한 홈페이지가 디스플레이된다(401단계). 상품메뉴아이콘 중 투자정보를 얻고자 하는 투자상품메뉴아이콘을 클릭하면(402단계), 제어모듈(20)은 상품정보데이터베이스 (23)에 억세스하여 대응 상품정보를 추출하여 통신모듈(21)에 의해 인터넷(5)을 통해 전송함으로써 등록회원고객의 인터넷접속수단(3)에 당해 투자상품에 관한 투자상품정보가 디스플레이되도록 한다(403단계). 상품정보는, 최소투자금액, 약정이자, 투자기간을 포함한다. 단기운용을 위한 소액자금을 주로 수탁받기 위한 것이므로 투자기간은 1 내지 2개월이 바람직하나 필요에 따라 다양하게 변경가능하다.When a registered member customer who wants to invest funds for a certain period of time accesses the investment mediation server 1, a homepage including a product menu icon is displayed on the Internet access means 3 such as a PC, an Internet TV, and a web phone (step 401). When the investment product menu icon of the product menu icon is clicked for obtaining the investment information (step 402), the control module 20 accesses the product information database 23 and extracts corresponding product information by the communication module 21. By transmitting through the Internet 5, the investment product information on the investment product is displayed on the Internet access means 3 of the registered member customer (step 403). The product information includes the minimum investment amount, contract interest, and investment period. The investment period is preferably 1 to 2 months because it is mainly intended to receive a small amount of funds for short-term operation, but it can be variously changed as necessary.
회원고객은 회원ID 및 패스워드입력을 통해 투자중개서버(1)에 로그인하고(404단계), 투자하고자 하는 투자상품에 대해 각각 마련된 투자신청아이콘을 클릭함으로써 투자상품을 선택한다(405단계). 통신모듈(21)을 통해 투자상품 선택을 수신한 제어모듈(20)은 투자위탁자금의 액수 등 투자조건을 입력하기 위한 입력창이 마련된 입력화면이 당해 고객의 인터넷접속수단(3)에 표시되도록 하고, 회원고객은 자신의 인터넷접속수단(3)을 사용하여 제휴금융기관에 개설된 자신의 위탁계좌에 입금해야할 투자위탁자금의 액수 등 투자조건을 입력한다(406단계).The member customer logs in to the investment brokerage server 1 by inputting the member ID and password (step 404), and selects the investment product by clicking on the investment application icons prepared for the investment products to be invested (step 405). The control module 20 receiving the investment product selection through the communication module 21 causes the input screen provided with an input window for inputting investment conditions such as the amount of the investment trust funds to be displayed on the Internet access means 3 of the customer. In addition, the member customer inputs the investment conditions such as the amount of the investment entrusted funds to be deposited into his or her consigned account opened in the affiliated financial institution using his / her Internet access means (3).
한편, 회원고객은 제휴금융기관에 마련된 자신의 위탁계좌에 온라인 혹은 오프라인상으로 투자위탁자금을 실제로 입금한다(407단계).On the other hand, the member customer actually deposits the investment consignment funds online or offline in his consignment account provided in the affiliated financial institution (step 407).
제어모듈(20)은 통신모듈(21)을 통해 수신된 투자위탁자금의 액수 및 위탁기간 등 투자정보를 회원고객데이터베이스(22)에 저장하고, 금융결재서버(6)로부터 당해 회원고객의 위탁계좌에 실제로 투자위탁자금이 위탁되었는지 여부를 실시간확인한다(408단계).The control module 20 stores the investment information, such as the amount of the investment trust funds received through the communication module 21 and the consignment period, in the member customer database 22 and the trust account of the member customer from the financial settlement server 6. In step 408, it is checked whether the investment entrusted funds are actually entrusted.
제어모듈(20)은 입금확인이 완료되면, 당해 회원고객의 위탁계좌번호에 대한 입금내역, 위탁기간에 기초해 산정된 예상이자, 원금 및 이자상환예정일 등을 포함한 거래내역정보를 거래내역데이터베이스(24)에 저장한다(409단계).When the payment confirmation is completed, the control module 20 checks the transaction history information including the transaction details, the expected interest, the principal and the expected date of interest payment, calculated based on the deposit period for the consigned account number of the member customer. 24) (step 409).
마지막으로, 기업회원고객에 대한 대출절차를 설명한다.Finally, the loan process for corporate member customers is explained.
도 5는 본 발명의 바람직한 실시예에 따른 투자중개서버(1)의 대출절차를 설명하기 위한 플로우챠트이다.5 is a flowchart illustrating a loan procedure of the investment intermediation server 1 according to the preferred embodiment of the present invention.
자금을 일정기간 동안 대출받고자 하는 등록회원고객이 투자중개서버(1)에 접속하면, PC, 인터넷TV, 웹폰 등 인터넷접속수단(3)에 상품메뉴아이콘을 포함한 홈페이지가 디스플레이된다(501단계). 상품메뉴아이콘 중 대출정보를 얻고자 하는 대출상품메뉴아이콘을 클릭하면(502단계), 제어모듈(20)은 상품정보데이터베이스 (23)에 억세스하여 대응 상품정보를 추출하고 통신모듈(21)에 의해 인터넷(5)을 통해 전송함으로써 등록회원고객의 인터넷접속수단(3)에 당해 대출상품에 관한 대출상품정보가 디스플레이되도록 한다(503단계). 대출상품정보는 대출금액, 대출기간, 대출이자 등을 포함한다.When a registered member customer who wants to borrow money for a certain period of time accesses the investment brokerage server 1, a homepage including a product menu icon is displayed on the Internet access means 3 such as a PC, an Internet TV, and a web phone (step 501). When the loan product menu icon of the product menu icon is clicked for obtaining the loan information is clicked (step 502), the control module 20 accesses the product information database 23 to extract the corresponding product information, and the communication module 21 By transmitting through the Internet 5, the loan product information related to the loan product is displayed on the Internet access means 3 of the registered member customer (step 503). Loan product information includes loan amount, loan period, loan interest, and the like.
회원고객은 회원ID 및 패스워드입력을 통해 투자중개서버(1)에로그인하고(504단계), 대출받고자 하는 대출상품에 대해 각각 마련된 대출신청아이콘을 클릭함으로써 대출상품을 선택한다(505단계). 통신모듈(21)을 통해 대출상품 선택을 수신한 제어모듈(20)은 대출자금의 액수 등 대출조건을 입력하기 위한 입력창이 마련된 입력화면이 당해 회원고객의 인터넷접속수단(3)에 표시되도록 하고, 회원고객은 자신의 인터넷접속수단(3)을 사용하여 제휴금융기관에 개설된 자신의 위탁계좌로 입금받고자 하는 대출자금의 액수 등 대출조건을 입력한다(506단계).The member customer logs in to the investment brokerage server 1 by inputting a member ID and password (step 504), and selects a loan product by clicking on a loan application icon prepared for the loan product to be loaned (step 505). The control module 20 receiving the selection of the loan product through the communication module 21 causes the input screen provided with an input window for inputting the loan conditions such as the amount of the loan funds to be displayed on the Internet access means 3 of the member customer. In addition, the member customer inputs a loan condition such as the amount of loan funds to be deposited into his or her trust account opened in the affiliated financial institution using his / her internet access means (step 506).
제어모듈(20)은 통신모듈(21)을 통해 대출자금의 액수를 수신하고 금융결재서버(6)로 하여금 투자중개서버(1)의 모계좌로부터 상기 대출자금을 출금하여 당해 기업회원고객의 위탁계좌번호에 입금시킬 것을 지시한다(507단계).The control module 20 receives the amount of the loan funds through the communication module 21 and causes the financial settlement server 6 to withdraw the loan funds from the mother account of the investment brokerage server 1 so as to entrust the account of the corporate member customer. It is instructed to deposit the number (step 507).
제어모듈(20)은 통신모듈(21)을 통해 금융결재서버(6)로부터 출금 및 입금완료를 확인하고(508단계), 거래내역데이터베이스(24)에 마련된 대응 기업회원고객의 위탁거래계좌에 입금내역을 기록한다(509단계).The control module 20 checks the withdrawal and deposit completion from the financial settlement server 6 through the communication module 21 (step 508), and deposits into the consigned transaction account of the corresponding corporate member customer provided in the transaction history database 24. Record the details (step 509).
한편, 전술한 실시예에서는 개인고객데이터베이스(22a)와 기업고객데이터베이스 (22b)를 별개로 관리하며 투자위탁자금은 개인고객으로부터 입금받고 대출자금은 기업고객에게 대출되도록 구성하였으나, 개인고객과 기업고객을 구분하지 않고 투자위탁자금의 입금 및 대출자금의 대출이 이루어지도록 구성할 수 있다.Meanwhile, in the above-described embodiment, the individual customer database 22a and the corporate customer database 22b are separately managed and the investment trust funds are deposited from the individual customers and the loan funds are loaned to the corporate customers. It can be configured so that the deposit of investment trust funds and the loan funds can be made without any distinction.
이상 설명한 바와 같이, 본 발명에 따르면, 단기운용을 위한 소액자금을 용이하게 투자할 수 있도록 해주는 인터넷 기반 투자중개서버 및 그 투자중개방법이 제공된다.As described above, according to the present invention, there is provided an internet-based investment brokering server and an investment brokering method thereof, which facilitate investment of a small amount of funds for short term operation.
나아가, 본 발명에 따른 인터넷 기반 투자중개서버 및 그 투자중개방법에 따르면, 보다 간편한 절차를 통해 자금을 투자하고 대출을 받을 수 있게 된다.Furthermore, according to the Internet-based investment brokering server and the investment brokering method according to the present invention, it is possible to invest funds and receive loans through a simpler procedure.
Claims (7)
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| KR1020000019519A KR20010095986A (en) | 2000-04-14 | 2000-04-14 | Internet-based investment broking server and investment broking method thereof |
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Cited By (12)
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| KR20000050033A (en) * | 2000-05-12 | 2000-08-05 | 김정태 | Method of join service for computer lend |
| KR20020067159A (en) * | 2001-02-15 | 2002-08-22 | 한찬수 | An investment system and method using finance loan |
| KR100486036B1 (en) * | 2002-07-22 | 2005-05-03 | 조종표 | System and Method for emloyed Encouragement of leanring financial |
| KR100584885B1 (en) * | 2005-10-28 | 2006-05-29 | 김일연 | Fund raising system through on line and method thereof |
| KR20180030012A (en) | 2018-03-15 | 2018-03-21 | 김시내 | Financial system for matching suitable investors based on the user's loan conditions |
| KR20180030013A (en) | 2018-03-15 | 2018-03-21 | 김시내 | Investment mediation system for performing bond verification using virtual money |
| KR20180030015A (en) | 2018-03-15 | 2018-03-21 | 김시내 | P2P mediation system providing investor connection service |
| KR20180030495A (en) | 2018-03-15 | 2018-03-23 | 김시내 | Investment mediation system for implementing bond transfer function based on block chain technology |
| KR20180030811A (en) | 2018-03-15 | 2018-03-26 | 김시내 | Investment mediation system for mediating financial services between users who matched investment and loan conditions |
| KR20180030812A (en) | 2018-03-15 | 2018-03-26 | 김시내 | Online investment mediation system for providing suitable investor matching service according to condition selection |
| KR20180117513A (en) * | 2017-04-18 | 2018-10-29 | 주식회사 비즈모델라인 | Method for Operating P2P Loan by using Money Trust |
| KR20180117514A (en) * | 2017-04-18 | 2018-10-29 | 주식회사 비즈모델라인 | Method for Operating P2P Loan by using Money Trust |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20000050033A (en) * | 2000-05-12 | 2000-08-05 | 김정태 | Method of join service for computer lend |
| KR20020067159A (en) * | 2001-02-15 | 2002-08-22 | 한찬수 | An investment system and method using finance loan |
| KR100486036B1 (en) * | 2002-07-22 | 2005-05-03 | 조종표 | System and Method for emloyed Encouragement of leanring financial |
| KR100584885B1 (en) * | 2005-10-28 | 2006-05-29 | 김일연 | Fund raising system through on line and method thereof |
| KR20180117513A (en) * | 2017-04-18 | 2018-10-29 | 주식회사 비즈모델라인 | Method for Operating P2P Loan by using Money Trust |
| KR20180117514A (en) * | 2017-04-18 | 2018-10-29 | 주식회사 비즈모델라인 | Method for Operating P2P Loan by using Money Trust |
| KR20180030012A (en) | 2018-03-15 | 2018-03-21 | 김시내 | Financial system for matching suitable investors based on the user's loan conditions |
| KR20180030013A (en) | 2018-03-15 | 2018-03-21 | 김시내 | Investment mediation system for performing bond verification using virtual money |
| KR20180030015A (en) | 2018-03-15 | 2018-03-21 | 김시내 | P2P mediation system providing investor connection service |
| KR20180030495A (en) | 2018-03-15 | 2018-03-23 | 김시내 | Investment mediation system for implementing bond transfer function based on block chain technology |
| KR20180030811A (en) | 2018-03-15 | 2018-03-26 | 김시내 | Investment mediation system for mediating financial services between users who matched investment and loan conditions |
| KR20180030812A (en) | 2018-03-15 | 2018-03-26 | 김시내 | Online investment mediation system for providing suitable investor matching service according to condition selection |
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