KR20010097397A - On-line referring apparatus and method for expected withdrawal of fund - Google Patents

Abstract

Posted information makes it easier for home trading system users to view the type of funds they own, the relationship between the date of purchase and withdrawal date, and the repurchase fee for each deposit date, and the repurchase rate and redemption fee exemption date. To provide an online service.

The present invention applies to the online fund trading system by inputting and modifying the relationship between the date of withdrawal fee and the method of applying the buyback fee after applying for the sale according to the terms and conditions applicable to each type of fund sold by the financial company. If a user who accesses his / her own user number and password enters the inquiry screen and selects one of his accounts, he / she can check the balance of funds and deposit date and repayment fee for each deposit date of the account. If the exemption date comes out and you select one of the balances according to the date of deposit, and specify the date of sale request or withdrawal date again, the correlation between the withdrawal date and the date of withdrawal request, whether the repurchase fee and the corresponding repayment fee rate is calculated by the financial company first Automatically calculated and output according to the standard .

Therefore, the present invention provides users with an investment environment that allows them to easily look up the withdrawal data of complex and difficult funds, and prevents financial companies from reducing work efficiency due to frequent consultation requests from customers using the online fund trading system. In addition, it provides an effect that can increase customer satisfaction by providing a differentiated service.

Description

On-line referring apparatus and method for expected withdrawal of fund}

The present invention relates to an online fund trading system having a fund withdrawal data inquiry service function.

More specifically, when a user using a home trading system subscribes to and operates a financial instrument to manage his or her own funds, he or she may apply for the sale of a fund based on the type of fund that corresponds to the user's account. The present invention relates to an online fund trading system that has a function of inquiring funds withdrawal data, which makes it easy to determine the correlation between the date of withdrawable date and whether the repayment fee is applied and the repayment fee rate.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

That is, in recent years, as part of the business through the Internet, various contents such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, electronic commerce, etc. are provided. Sites are growing rapidly.

Recently, the sites of securities-related financial companies that provide a home trading system to purchase and buy securities, beneficiary certificates, and mutual funds on the network have been exploded by various computer users. Increasingly, securities-related financial companies are working hard to attract computer users who want to use a home trading system.

As described above, in order for computer users to conduct securities and financial product transactions on a network, a dedicated emulator supporting a home trading system produced and distributed by each securities-related financial company must be installed on the user's computer. You should access the web page of a securities company or use a mobile communication terminal with a built-in web browser.

After each user runs a dedicated emulator for a home trading system or accesses a web page of a securities related financial company, the user inputs data according to a predetermined form provided by a main server to obtain securities and financial products of a desired item. Buy or sell. At this time, since the main server of each securities-related financial company is connected to the stock exchange, etc., it is possible to perform securities and financial product transactions according to the user's key operation in real time.

The biggest difficulty for users when using these online transactions is that the services provided by each financial company are different and the screen output method is different. do. In addition, since the user has to find out the problem solved through counseling with the counselor through key manipulation, the user use screen implemented on the online system has to be composed of richer and easier information.

In particular, online users who sign up for fund-type products such as beneficiary certificates and mutual funds, which are one of the financial products, can withdraw their funds in a few days if they apply for a sale due to the complexity and expertise of the contents and review the issue of redemption fees. It was very difficult to do.

In order to solve the above-mentioned problems, an object of the present invention is to provide a user with a financial instrument transaction through a home trading system. It is to provide an online fund trading system with a function to search funds withdrawal schedule data that can be easily distinguished according to different deposit dates of remaining reserves.

1 is a block diagram schematically showing the configuration of an online fund trading system having a fund withdrawal data retrieval service function according to the present invention;

2 is a block diagram showing in detail the configuration of the main server of FIG.

3 is a view for explaining the temporal relationship between the withdrawal application date and the withdrawal due date according to the fund type according to the present invention,

4 is a view for explaining the status of the remaining holdings according to the result of multiple withdrawal and withdrawal of the funds user holdings according to the present invention;

5 is an exemplary view showing a configuration of a user screen according to the application of the present invention;

Figure 6 is a flow chart illustrating in detail the operation of the online inquiry method having a fund withdrawal data inquiry service function according to the present invention;

7 to 11 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

10: network communication network 20: client system

30: main server 31: manager calculation criteria recognition means

31: User-owned fund information recognition means

33: calculation means 34: basic data output means

35: user withdrawal information calculation condition recognition means

36: means for outputting the withdrawal information calculation data

40: manager system

An online fund trading system having a fund withdrawal data inquiry service function according to the present invention for achieving the above object comprises: a network communication network to connect data lines between unspecified multiple communication data; Dedicated emulator or web browser is installed to use home trading system through network communication network, and after selecting dedicated emulator or web browser to be connected to the outside, the user selects the withdrawal data inquiry screen from the externally provided menu If you select the account number, the screen displays the classification of the remaining amount remaining after a plurality of transactions, the remaining accounts by the date and the current standard price basis, the valuation date of the repurchase fee, and the repurchase fee criteria table on the terms and conditions. A plurality of client systems for selecting an application date or an expected date of withdrawal and inputting a reference date to externally output data of a corresponding deposit date, a selling request date, a standard price application date, an expected date of withdrawal, whether a repurchase fee, and a corresponding repurchase fee rate are output; According to the account information selected by the multiple client system users, the account classification and redemption fee exemption date according to the payment date and the repurchase fee table in the fund's terms and conditions are read from the data stored in the database and output to the client system. If you select one of the remaining amounts, select the date of the sale request date or withdrawal date, and enter the reference date to search, enter the date of the sale, the date of application, the date of withdrawal, the date of withdrawal, whether to repurchase the fee and the repayment fee rate. It characterized in that it comprises a main server that outputs to the client system with reference to the fund-specific calculation criteria entered in.

In addition, the online fund trading method having a function for checking the fund withdrawal data retrieval service according to the present invention, (1) the process of inputting and modifying the addition date and business day calculation criteria available for withdrawal of the sale application for each fund category of the financial company manager; (2) recognizing funds remaining in the account held by the user and remaining balance by date of deposit; (3) Based on the fund information recognized through the above process (2) and the account information of the remaining balance by the deposit date, the remaining balance by the deposit date, the valuation date based on the day price, the repurchase fee exemption date, and the repurchase fee rate table on the relevant fund terms and conditions Process; (4) selecting one of the classifications according to a plurality of deposit dates given through the step (3), selecting one of the selling request date and the expected withdrawal date, and inputting a reference date; (5) Calculate by combining the calculation criteria, account information and user input conditions data given through the above processes (1, 2, 4), the date of the deposit and the date of the sale application, the date of application of the price, the date of withdrawal, whether there is a repurchase fee and Characterized in that the process comprising the step to output the repurchase rate.

Hereinafter, with reference to the accompanying drawings will be described in detail the online fund trading system having a function of the fund withdrawal data inquiry service of the present invention.

1 is a block diagram schematically showing the configuration of an online fund trading system having a fund withdrawal data retrieval service function according to the present invention.

As shown, the network communication network 10 is a communication network such as the Internet, and connects a communication line between a plurality of client systems 20 and a main server 30, which will be described later, and data related to a fund withdrawal data online inquiry service. Allow communication.

The manager's system 40, which is in charge of the financial company, is connected to the main server 30 to determine the classification criteria of all funds according to the related laws and regulations. Upon entering or modifying, the classified new calculation criteria are transmitted to the main server 30 and stored as the calculation criteria of the inquiry service calculation method with the plurality of client systems 20 thereafter.

The plurality of client systems 20 are provided with a dedicated emulator or a web browser so that the home trading system can be used through the network communication network 10, and the dedicated emulator or the web browser is executed to communicate with the main server 30 described later. After the user selects an account number by selecting a withdrawal schedule data inquiry screen among a plurality of menus provided by the main server 30, information about the selected account number is output to the main server 30.

The main server 30 may be divided into a fund type corresponding to information regarding an account number selected by a plurality of client system 20 users, a repurchase fee table according to the terms and conditions of the fund, and information on remaining funds remaining after a plurality of deposit and withdrawal transactions. And the data of the repurchase fee exemption date for each deposit date is output to the client PC (20).

At this time, the user of the above-mentioned client system 20 sees the output and selects one of the remaining amounts by the deposit date or the total amount, and then selects one of the selling request date and the withdrawal expected date and inputs the reference date. The withdrawal information calculation condition data of the user is output to the main server 30.

The above-mentioned main server 30 receives the withdrawal information calculation condition data of the user from the plurality of client systems 20 and matches it with the user's account information according to the fund-specific calculation criteria input from the manager's system 40 in advance. By calculating the information related to the withdrawal, such as the date of deposit, the date of sale application, the date of application of the standard price, the date of withdrawal, the presence or absence of redemption fee, and the redemption fee rate, the withdrawal information is transmitted to the plurality of client systems 20.

2 is a block diagram showing in detail the configuration of the main server 30 of FIG.

As shown in the figure, the manager's calculation standard recognition means 31 inputs an addition date and a business day calculation standard for withdrawal after the application is made by the manager by dividing the funds according to the change of related laws and the appearance of a new fund. Read the information.

The user account information recognizing means 32 reads and stores information on an account designated by the user from among various user accounts.

The calculation means 33 calculates the fund type classification and the remaining holding information based on the account information read through the user account information recognition means 32.

The user withdrawal-related basic data output means 34 outputs the remaining number of accounts by the date of deposit of the corresponding account calculated by the calculation means 33, the valuation basis based on the day's price, the date of the refund fee, and the repayment fee table according to the terms and conditions.

The user's withdrawal information calculation condition recognition means 35 selects one or the total amount of the remaining deposits output from the user withdrawal-related basic data output means 34 to obtain detailed withdrawal schedule information desired by the user and sells If you select one of the application date and withdrawal date again and input the relevant date, the calculation condition is read.

The calculation means 33 reads from the user account information recognition means 32 based on the calculation criteria stored in the calculation reference recognition means 31 of the administrator according to the calculation condition read from the withdrawal information calculation condition recognition means 35 of the user. Calculate according to the account information entered.

The withdrawal information calculation result output means 36 outputs a corresponding deposit date and a sale application date, a date of applying a reference price, a withdrawal date, whether there is a repurchase fee, and a repurchase fee rate, which are the results calculated through the calculation means 33.

And, Figure 3 is a view for explaining the relationship between the sale request date and the withdrawable date of each fund shown in the online fund trading system having the function of the fund withdrawal data inquiry service according to the present invention, often in practice to sell repurchase date After the application date, the date of withdrawal varies depending on the type of fund, and the application date for the calculation of the number of working days on which the fund is based. As these regulations also change according to changes in regulations, it is necessary to change the standards from time to time. Looking at the criteria applied as of the filing date of the present invention.

Except for the MMF (Money Market Fund), which is subject to repurchase on the same day, KTB investment funds established on or after November 15, 1998 shall apply for repurchases using the base price of the third business day (T + 2) from the date of sale application. Calculate and pay. On the other hand, equity investment funds established after November 15, 1998 calculate the redemption value by applying the base price of the third business day (T + 2) from the date of the application for sale, and the payment is made on the fourth business day (T +). 3) to process.

In addition, the applicable business day is applied differently for each commodity. Since investment trust funds with construction bonds and stock transfer ratios of 50% or less set after October 1, 1999 are applied based on the business day of the consignment company, the stock is included. Investment trust funds with rates above 50% apply on the stock exchange business day and therefore do not include Saturday.

Next, a preferred embodiment of an online fund trading method having a fund withdrawal scheduled data inquiry service function according to the present invention configured as described above will be described in detail with reference to FIGS. 6 to 11.

4 is an example for explaining the status of the remaining holdings according to the result of multiple withdrawal and withdrawal of the funds user holdings according to the present invention. As shown in FIG. 4, the user deposited 5,000,000 seats over three separate dates, March 1, March 5, and March 8, and withdrew 6,000,000 seats on June 4. In this case, in accordance with the principle of First In First Out (FIFO), which is the most commonly used, the remaining portion is the withdrawal of 5,000,000 left on March 1, the first deposit, and 1,000,000 left on March 5, the next. 4,000,000 left on May 5 and 5,000,000 left on March 8.

5 is an exemplary view showing the configuration of a user screen according to the application of the present invention. If the user selects one of several accounts owned by the user on the screen and presses the inquiry button, the remaining amount of money by the deposit date of the corresponding account is displayed, and the repurchase fee rate table according to the terms and conditions of the fund is displayed by period.

At this time, if the user selects one of the balances by the deposit date, selects one of the classification between the sale request date and the expected withdrawal date in the frame below, and inputs the date corresponding to the classification again and presses the inquiry button, the detailed information of the corresponding inquiry appears. .

6 to 11 are flowcharts showing in detail the operation process of the online fund trading method having a fund withdrawal scheduled data inquiry service function according to the present invention.

First, when the manager of the financial company inputs and modifies the fund classification criteria through the manager's system 40 (S11), the main server 30 classifies all funds according to the input classification criteria (S12), and classifies the funds. After determining whether there is a fund excluded from (S13), if there is an excluded fund through the manager's system, it goes through the process of inputting and modifying the fund classification criteria again (S11), and if there is no excluded fund, it is possible to withdraw after selling for each category. The addition date is input (S14).

Then, the main server 30 receives the business day calculation criteria for each classification in the manager's system 40 (S15) and determines whether all the criteria for the classification have been input (S16). Received by the classification criteria through the input, and if all input is calculated by the calculation criteria recognition means 31 of the administrator to leave.

After the input of the calculation standard data of the financial company manager, the client system 20 user accesses the home trading system and enters a withdrawal data inquiry screen among various menus, and one of the plurality of accounts owned by the user. Select (S21) and give an inquiry command (S22) through the user account information recognizing means 32 of the main server 30 reads the fund type classification and remaining reserve information corresponding to the selected account number (S31).

The main server 30 calculates the calculation result 33 based on the recognized account information, and outputs the basic data related to the user's withdrawal means 34. The repurchase fee table on the terms and conditions is output (S32).

Through this process, the primary basic data is output and the user inputs the detailed withdrawal information calculation condition through the client system 20 for more detailed information (S40).

In detail, the user of the client system 20 selects one of the data for each deposit date output through the user withdrawal-related basic data output means 34 (S41), and one of the division between the selling request date and the expected withdrawal date. After selecting (S42) and inputting the corresponding reference date (S43) when the command to give (S44) the withdrawal information calculation condition recognition means 35 of the user of the main server 30 input the calculation criteria for each fund of the financial company manager And through the modification process (S10), the user holding information recognition process (S20), and the user withdrawal information calculation condition input process (S40) it is to collectively recognize the recognized calculation criteria, account information and customer input data (S51).

The calculation means 33 of the main server 30 calculates the data recognized through the above process (S51), the corresponding deposit date and sale application date, reference price application date, withdrawal expected date, whether there is a refund fee and The withdrawal information of the redemption commission rate is output secondary through the calculation result output means 36 (S52).

As described above, according to the online fund trading system having a fund withdrawal data retrieval service function of the present invention, each user has a correlation between the sale application date and withdrawal due date that was known only through skilled financial sales staff, This allows you to search online for the presence and application of the repurchase rate at a glance and eliminates the inconvenience of having to call or visit the sales window of a financial company while inquiring more details. It works.

In addition, each of these users can solve complex withdrawal inquiries on their own, which makes it possible to operate the sales staff more efficiently. Also, the level of training of sales staff who must be changed whenever the regulations or regulations change. Even if the number is much less, the possibility of problems caused by customer counseling errors is greatly reduced, and the convenience of the home trading system is greatly improved, thereby promoting the excellence of the system to customers.

Herein, the present invention described above has been described with reference to preferred embodiments, but those skilled in the art can variously modify the present invention without departing from the spirit and scope of the present invention as set forth in the claims below. And can be changed.

Claims (8)

In an online trading system in which a manager system is connected to and managed by a main server, and the main server is connected to a network communication network to perform securities and financial product transactions through a plurality of client systems, the main server is Manager calculation criteria recognizing means for reading the calculation criteria of the addition date and business day calculation criteria that can be withdrawn after the application for sale by fund classification entered by the administrator; User account information recognizing means for reading account information of an account selected by the user for inquiry among various accounts of the user; Calculation means for calculating fund type classification and remaining holding information based on the account information read through the user account information recognition means; Means for outputting the user's withdrawals related to the user's withdrawal of the remaining balance by the payment date, the basis value of the base price, the resale fee fee exemption date, and the repurchase fee table according to the terms and conditions calculated by the calculation means; And If the user selects one or all of the remaining amount of each deposit date outputted through the basic data output means for the user's withdrawal, and enters the classification and the standard date of the sale request date and the withdrawal expected date, the user withdrawal information for reading the withdrawal information calculation condition Calculation condition recognition means; Based on the calculation criteria, fund information and customer input data read through the manager calculation standard recognition means, the user account information recognition means, and the user withdrawal information calculation condition recognition means, it is calculated through the calculation means again, and the corresponding deposit date and sale request date; An online fund trading system having a fund withdrawal data retrieval function, comprising: withdrawal information calculation result outputting means for outputting withdrawal information of a reference price application date, withdrawal date, withdrawal fee, and withdrawal fee. In the online fund trading method for the securities trading through the network and computer, (1) the process of inputting and amending the addition date and business day calculation criteria for the withdrawal request for the sale of funds by the financial company manager; (2) recognizing funds remaining in the account held by the user and remaining balance by date of deposit; (3) Based on the fund information recognized through the above process (2) and the account information of the remaining balance by the deposit date, the remaining balance by the deposit date, the valuation date based on the day price, the repurchase fee exemption date, and the repurchase fee rate table on the relevant fund terms and conditions process; (4) selecting one of a plurality of deposit date classifications given in step (3) and inputting a reference date of a selling request date; And (5) The calculation date, the account information and the user input data are calculated by combining the calculation criteria, account information, and user input data through the processes (1, 2, 4) to determine the date of the relevant deposit, the date of application of the withdrawal, the date of withdrawal fee, and An online fund trading method having a function for retrieving the fund withdrawal data, which comprises the process of outputting. In the online fund trading method for the securities trading through the network and computer, (1) the process of inputting and amending the addition date and business day calculation criteria for the withdrawal request for the sale of funds by the financial company manager; (2) recognizing funds remaining in the account held by the user and remaining balance by date of deposit; (3) Based on the fund information recognized through the above process (2) and the account information of the remaining balance by the deposit date, the remaining balance by the deposit date, the valuation date based on the day price, the repurchase fee exemption date, and the repurchase fee rate table on the relevant fund terms and conditions process; (4) selecting one of several classifications by deposit date given in step (3) and inputting a reference date of a due date; And (5) A process of outputting the deposit date, the date of the sale request, whether there is a repurchase fee, and the repurchase fee rate by calculating the sum of the calculation criteria, the account information, and the user input condition data given through the processes (1, 2, 4). On-line fund trading method having a function to query the fund withdrawal data, characterized in that made. According to claim 2 or 3, wherein the process (1), (1-1) a manager of a financial company using the manager system to input or modify a fund's classification criteria; (1-2) starting to classify all funds according to the classification criteria in the main server; (1-3) checking the existence of funds excluded from the fund classification and re-entering the classification criteria if any are excluded; (1-4) through the manager system, the manager inputs an addable date for withdrawal after applying for sale for each category; (1-5) inputting a business day calculation criteria for each classification; And (1-6) On-line fund trading method having a function for checking the fund withdrawal scheduled data, characterized in that the main server checks whether all the input for each category is terminated, and if it is not terminated. The method of claim 2 or 3, wherein the process (2), (2-1) a user selecting one of account numbers from among his / her various accounts through the client system; And (2-2) An online fund trading method having an inquiry function for retrieving the funds withdrawal data, comprising the step of issuing an inquiry order. According to claim 2 or 3, wherein the process (3), (3-1) reading fund type classification and remaining reserve information corresponding to the account number from the main server; And (3-2) An online fund having a function of retrieving the fund withdrawal data, which comprises the step of outputting the remaining balance by the date of deposit, the basis value of the base price, the date of repurchase fee exemption, and the repurchase fee rate table according to the agreement to the client system. Trading method. According to claim 2 or 3, wherein the process (4), (4-1) selecting, at the client system, one or all of the remaining amounts of money for each deposit date; (4-2) step in which the user inputs a reference date; And (4-3) An online fund trading method having a fund withdrawal data retrieval function, comprising the step of inputting a retrieval command. According to claim 2 or 3, wherein the process (5), (5-1) reading calculation criteria, fund information and customer input data from the main server; And (5-2) fund withdrawal, comprising the step of outputting the withdrawal information of the corresponding deposit date and the sale application date, the standard price application date, withdrawal expected date, whether there is a repurchase fee and the repurchase fee rate to the client system; Online fund trading method with scheduled data search function.