KR20060101122A - System and method for processing financial transaction and recording medium - Google Patents

Abstract

The present invention provides a plurality of financial accounts including a first financial account (or financial instrument) owned by a customer to an Nth (N = 2,3,4 ... N) financial account (or financial instrument) (or product). Or a financial instrument using a financial instrument), wherein the financial transaction of the customer or a second client designated by the client is performed by at least one specific financial account (or financial instrument) of the plurality of financial accounts (or financial instruments) ( Or a condition (or policy) information storing step of storing predetermined condition (or policy) information set to be made through a product) on a predetermined storage medium; A condition (or policy) information checking step of confirming condition (or policy) information previously stored in the storage medium during a financial transaction of the customer or a second customer designated by the customer; A financial account (or financial instrument) verification step of confirming at least one financial account (or financial instrument) meeting the condition (or policy) information among the plurality of financial accounts (or financial instrument) according to the verification result; And a financial transaction processing step of processing a financial transaction of the customer or a second customer designated by the customer through at least one financial account (or financial product) identified through the financial account (or financial product) verification step. It relates to a financial transaction processing method and system and a recording medium therefor. Accordingly, in a plurality of customer-owned financial accounts (or financial products) provided in a predetermined financial institution, the customer or a second customer designated by the customer is a predetermined financial account among the plurality of financial accounts (or financial products). (Or a financial instrument) at least corresponding to a financial account (or financial instrument) optimized by the predefined predetermined condition (or policy) information in the financial transaction of the customer or a second client designated by the client. It is advantageous to substitute and process at least one financial transaction corresponding to one or more financial transactions and / or the condition (or policy) information corresponding to the selected financial account (or financial product).

Financial account, financial products

Description

Financial transaction processing method and system and recording medium therefor {System and Method for Processing Financial Transaction and Recording Medium}

1 is a view showing a preferred functional configuration of a financial transaction processing system according to an embodiment of the present invention.

2 is a diagram illustrating a customer account management method of a management module according to an embodiment of the present invention.

3 is a view showing a preferred functional configuration of a financial transaction processing system according to another embodiment of the present invention.

4 is a view showing a preferred functional configuration of a financial transaction processing system according to another embodiment of the present invention.

5 is a diagram illustrating a method of managing a plurality of financial accounts (or financial products) according to a preferred embodiment of the present invention.

6 is a view showing a financial transaction element collection method according to an embodiment of the present invention.

7 is a view showing a financial transaction element collection method according to another embodiment of the present invention.

8 is a view showing a financial transaction element collection method according to another embodiment of the present invention.

9 is a diagram illustrating a method of determining a substitute financial account (or financial instrument) according to an embodiment of the present invention.

10 is a diagram illustrating a method of determining a substitute financial account (or financial instrument) according to another embodiment of the present invention.

11 is a diagram illustrating a financial transaction process by replacing a financial account (or financial product) according to one embodiment of the present invention.

<Description of main parts of drawing>

100: client side source 105: network

110: server side 115: interface module

120: financial transaction module 125: interface unit

130: management module 135: control module

140: setting unit 145: storage unit

150: storage medium 155: confirmation unit

160: extraction unit 165: determination unit

170: approval unit 175: processing unit

180: transmission unit

According to the present invention, a financial transaction in which a customer or a second customer designated by a customer among a plurality of financial accounts (or financial products) owned by a customer uses a predetermined financial account (or financial product), is stored in a predetermined storage medium. Financial transaction processing method characterized in that by replacing the financial transaction using the financial account (or financial product) with a financial transaction corresponding to another financial account (or financial product) more optimized by the condition (or policy) information And a system and a recording medium therefor.

Recently, financial institutions have increased their business in various ways and expanded their scope, and at least one customer who deals with the financial institution through marketing such as cross selling or up-selling is provided to the financial institution. It has become common to establish the above financial accounts (or financial instruments), and / or to use at least one or more financial instruments sold by the financial institution, and / or to receive financial services provided by the financial institution. For example, if the financial institution is a bank, the customer may make a plurality of financing for the Ordinary Deposit and / or Demand Deposit and / or Equity Fund Investments and / or Forex Investments. It is common to open an account (or financial instrument).

In general, one financial transaction performed through the financial institution is performed by matching one financial account (or financial product). For example, in the case of a financial transaction in which the financial institution is a bank and a predetermined billing institution processes the money charged to the customer by direct debit, the financial transaction may include a predetermined financial account (or Financial instruments).

In addition, most financial services provided through the financial institutions are inertial. That is, a customer may use the financial service provided by the financial institution for the first time at the time of opening a predetermined financial account (or financial product) at the financial institution, or purchasing a predetermined financial product sold by the financial institution. No attempt is made to change the financial transaction settings set at the time, even if the financial transaction settings are inefficient and in some cases monetary to the customer. For example, in the case of a financial transaction in which the financial institution is a bank, and the payment made by a predetermined billing institution is processed by direct debit through a predetermined demand deposit account, the customer is established at the time of applying for the direct debit service. The financial transaction settings shall not be changed unless otherwise specified until the required deposit account is closed or the deposit is lost.

As described above, the customer does not change the preset financial transaction setting, firstly, the client is not provided with or lacks information for identifying the characteristics and / or advantages and disadvantages of the preset financial transaction setting, and second, the information necessary for the customer is provided. Even if it is because the process of changing the financial transaction settings is complicated.

The present invention has been made to solve the above problems, and (1) when the financial transaction is a deposit transaction, and / or (2) the financial transaction is stored in a storage medium on a server side or a network operated by a predetermined financial institution. A withdrawal transaction, and / or (3) when the financial transaction is an amount transfer transaction between the plurality of financial accounts (or financial products), the financial transaction of the customer or a second customer designated by the customer After storing the predetermined condition (or policy) information set to be made through at least one or more specific financial accounts (or financial products) of the financial account (or financial products), the customer or the second customer designated by the customer In a transaction, the condition (or policy) information of the plurality of financial accounts (or financial products) that meets the condition (or policy) information previously stored in the storage medium. At least one financial account (or financial instrument) and at least one financial account (or financial instrument) characterized in that the financial transaction of the customer or a second customer designated by the customer through the at least one financial account (or financial instrument) Transaction processing system and method and recording medium for this purpose.

The present invention provides a plurality of financial accounts including a first financial account (or financial instrument) owned by a customer to an Nth (N = 2,3,4 ... N) financial account (or financial instrument) (or product). Or a financial instrument using a financial instrument), wherein the financial transaction of the customer or a second client designated by the client is performed by at least one specific financial account (or financial instrument) of the plurality of financial accounts (or financial instruments) ( Or condition (or policy) information storage step of storing the predetermined condition (or policy) information set to be made through a product) on a predetermined storage medium; A condition (or policy) information checking step of confirming condition (or policy) information previously stored in the storage medium during a financial transaction of the customer or a second customer designated by the customer; A financial account (or financial instrument) verification step of confirming at least one financial account (or financial instrument) meeting the condition (or policy) information among the plurality of financial accounts (or financial instrument) according to the verification result; And a financial transaction processing step of processing a financial transaction of the customer or a second customer designated by the customer through at least one financial account (or financial product) identified through the financial account (or financial product) verification step. Characterized in that made.

According to a preferred embodiment of the present invention, the financial transaction processing method includes at least one financial account (or financial product) identified through the financial account (or financial product) verification step from the customer before the financial transaction processing step. And acquiring the financial transaction processing approval of the customer or the second customer designated by the customer, and / or after the financial transaction processing step, notifying the financial transaction processing details to the customer. It is preferable that the step further comprises a step.

According to a preferred embodiment of the present invention, the storing of the condition (or policy) information corresponds to the customer information of the customer who owns the plurality of financial accounts (or financial products) and / or the plurality of financial accounts (or financial products). It is preferable to further store card information in the storage medium.

In the storing of the condition (or policy) information, at least one specific financial account (or financial product) of the plurality of financial accounts (or financial products) may be used for the financial transaction of the customer or the second customer designated by the customer. The predetermined condition (or policy) information set to be performed through the plurality of financial accounts (or financial products) through comparison of the yields of the plurality of financial accounts (or financial products) when the financial transaction is a deposit transaction. The condition (or policy) set to deposit the amount into at least one or more financial accounts (or financial instruments) whose yield is calculated according to the deposit of the amount corresponding to the deposit transaction, and when the financial transaction is a withdrawal transaction, By comparing the yields of a plurality of financial accounts (or financial instruments), the withdrawal transaction of the plurality of financial accounts (or financial instruments) A condition (or policy) set to withdraw the amount from at least one or more financial accounts (or financial instruments) whose yield inhibition rate is lowered according to the withdrawal of an amount, and the amount of money between the plurality of financial accounts (or financial instruments). In the case of a transfer transaction, at least one of lowering a profit inhibition rate according to a withdrawal of an amount corresponding to the withdrawal transaction among the plurality of financial accounts (or financial products) by comparing the yields of the plurality of financial accounts (or financial instruments) At least one financial account (or financial product) that withdraws the transferable amount from the above financial account (or financial instrument), and yields high when the withdrawn amount of the plurality of financial accounts (or financial instruments) is deposited. Preferably include at least one condition (or policy) set to deposit the withdrawn money. The.

In addition, the condition (or policy) information is preferably set by the customer and / or the financial company that manages the financial account (or financial instruments), and / or the plurality of financial accounts (or financial instruments) It is desirable to update periodically according to the corresponding change in yield.

According to a preferred embodiment of the present invention, in the storing of the condition (or policy) information, it is preferable to further set and store automatic money transfer condition (or policy) information between the plurality of financial accounts (or financial products). The automatic amount transfer condition (or policy) information between a plurality of financial accounts (or financial instruments) may include at least two or more heterogeneous financial accounts (or financial instruments) included in the plurality of financial accounts (or financial instruments) in response to fluctuations in exchange rates. Automatic money transfer condition (or policy) between the goods) and at least one financial account (or financial product) of the plurality of financial accounts (or financial products) withdraw a certain amount of money, and the plurality of financial accounts (or Financial instruments) or at least one automatic transfer condition (or policy) set up to be deposited into at least one financial account (or financial instrument). It is desirable to.

According to a preferred embodiment of the present invention, the second customer designated by the customer in the condition (or policy) information checking step is a company customer that provides a salary to the customer and a company customer who requests payment to the customer. It is preferable to include at least one.

According to a preferred embodiment of the present invention, the step of checking the financial account (or financial product) confirms the rate of return of each of the plurality of financial accounts (or financial products) at the time of the financial transaction, the plurality of confirmed Comparing the rate of return of each financial account (or financial instrument), identifying at least one financial account (or financial instrument) that meets the condition (or policy) information of the plurality of financial accounts (or financial instruments). desirable.

According to a preferred embodiment of the present invention, the financial transaction is a financial transaction requesting a deposit to any one of the plurality of financial accounts (or financial products) (or financial products), and the plurality of financial accounts (or financial products) Commodity) and at least one financial transaction requesting a withdrawal from a financial account (or financial instrument), and a financial transaction requesting a transfer of money between the plurality of financial accounts (or financial instruments), and And / or a financial transaction requesting a deposit to an integrated account that integrates and manages the plurality of financial accounts (or financial products), and a financial transaction that requests withdrawal from an integrated account that manages the plurality of financial accounts (or financial products); At least one financial transaction for requesting a transfer of money in the integrated account for managing the plurality of financial accounts (or financial products) integrated It is preferable.

According to a preferred embodiment of the present invention, the plurality of financial accounts (or financial instruments) may include a deposit financial account (or financial instrument) (or deposit financial instrument) and a savings account (or financial instrument) (or financial instrument). , Trust financial account (or financial instrument) (or trust financial instrument) and investment financial account (or financial instrument) (or investment financial instrument) and insurance financial account (or financial instrument) (or insurance financial instrument) and foreign currency deposit financial account; (Or a financial instrument) (or a foreign currency deposit financial instrument), a foreign currency savings financial account (or financial instrument) (or a foreign currency reserve financial instrument), and a foreign currency insurance financial account (or financial instrument) (or foreign currency insurance financial instrument). It is preferable to include, and / or comprises a virtual account (or financial instrument) virtually set in association with a specific financial account (or financial instrument) that the customer already owns desirable. In addition, the plurality of financial accounts (or financial products) is preferably included in one integrated account, wherein the integrated account comprises a virtual account virtually set in association with the plurality of financial accounts (or financial products) It is preferable.

According to the present invention, a program for executing the financial transaction processing method is recorded on a recording medium provided in the financial transaction processing system for the financial transaction processing method.

The financial transaction processing system for the financial transaction processing method is a customer-owned first financial account (or financial product) to Nth (N = 2,3,4 ... N) financial account (or financial product) (or product). Customer financial account (or financial product) management means for managing a plurality of financial accounts (or financial products) including; In a financial transaction of the customer or a second customer designated by the customer, at least one financial account (or financial instrument) to be used for the financial transaction among the plurality of financial accounts (or financial instruments) is a predetermined condition (or policy). Means for selecting a financial account (or financial instrument) selected according to the; And financial transaction processing means for processing the financial transaction through the selected at least one financial account (or financial product).

According to a preferred method of the present invention, the financial transaction processing system is a financial transaction of the customer or a second customer designated by the customer at least one or more specific financial account (or financial products) of the plurality of financial accounts (or financial products) Preferably further comprises a condition (or policy) information storing means for storing the predetermined condition (or policy) information set to be made through the predetermined storage medium, and the condition (or policy) information storing means Preferably, the storage medium further stores customer information of a customer who owns the plurality of financial accounts (or financial products) and / or card information corresponding to the plurality of financial accounts (or financial products), and / or the plurality of financial accounts (or financial products). It is preferable to further set and store automatic money transfer condition (or policy) information between two financial accounts (or financial instruments).

According to a preferred embodiment of the present invention, the financial transaction processing system is the financial transaction processing means from the customer prior to processing the financial transaction through the selected at least one financial account (or financial product), the financial transaction from the customer It is preferable to further comprise a customer approval information receiving means for obtaining a processing approval, and / or after processing the financial transaction through the selected at least one financial account (or financial product) in the financial transaction processing means, It is preferable to further comprise information transmission means for notifying the customer of the transaction details of the financial transaction processing.

According to a preferred embodiment of the present invention, the financial account (or financial product) selecting means checks the yield of each of the plurality of financial accounts (or financial products) at the time of the financial transaction, and the identified plurality of financial It is preferable to select at least one financial account (or financial instrument) among the plurality of financial accounts (or financial instruments) that meets the conditions (or policies) among the plurality of financial accounts (or financial instruments). .

According to the present invention, each means constituting the financial transaction processing system may be provided in a single server or may be provided in a plurality of servers.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in the functional configuration of the financial system in order to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention described below is described as having the storage medium is provided inside the server side to efficiently describe the technical components constituting the present invention, it is common knowledge in the technical field to which the present invention belongs Those skilled in the art will clearly understand that the storage medium may be provided on a network accessible from the server side.

In addition, preferred embodiments of the present invention described below are described as being provided in the server side all the functional configuration provided on the server side in order to efficiently describe the technical components constituting the present invention, the technology to which the present invention belongs Those skilled in the art, the functional configuration provided in the server side is interlocked through a predetermined network and / or communication means according to the intention of those skilled in the art (for example, information for realizing the server function) It will be apparent that at least two servers may be provided separately from each other.

Generally, the financial system includes an accounting system for a window service such as credit or receiving or trust or foreign exchange generated from at least one branch office, an information system for processing of headquarters business, support of branch office information, and customer relationship management; External system that provides various electronic financial services by accessing homes, businesses, retail stores, and other external computer networks, card systems for supporting financial services using at least one card issued to the user by the financial institution, and functions in components It includes a DBMS (Database Management System) for storing and managing predetermined information required for performance, and a middleware platform for interfacing the financial system elements, and types of financial institutions (eg, commercial banks, savings banks). , Trust banks, credit card companies) and financial systems Bureau polycyclic, financial investment, it is possible to further include a variety of components, such as the international system.

However, the financial system may be variously implemented according to the intention of those skilled in the art and the type, purpose, and characteristic of each financial institution, and the following embodiments are provided to prevent the technical idea of the present invention from being limited to a specific financial system. Through the interface module, financial transaction module, management module, and control module, each module is included in a specific component of the financial system (e.g., account system, information system, information system, ...) depending on the implementation method. It is apparent that at least two or more components may be provided. Further, in the following embodiments, the detailed components provided in each module are for effectively explaining the technical idea of the present invention, and at least one or more detailed components are predetermined means specified in the claims of the present invention according to the functional configuration. Note that it matches with.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing a preferred functional configuration of a financial transaction processing system according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an interface module, a financial transaction module 120, a management module 130, and a control corresponding to a financial transaction processing system for the present invention on a server side 110 corresponding to a financial system. Module 135, and during the financial transaction of the customer or the second customer designated by the customer, the control module 135 of the server side 110 specified by the customer or the customer in the financial transaction module 120 Monitor the financial transactions of the second customer in real time and / or periodically, and the condition (or policy) information among a plurality of customer-owned financial accounts (or financial products) included in the management module 130 of the server side 110. It illustrates a financial transaction processing system for an implementation method for processing the financial transaction of the customer or a second customer specified by the customer through at least one financial account (or financial product) corresponding to.

The customer-owned financial account (or financial product) comprises at least one banking component and / or brokering components, wherein the banking component is at least one banking at the financial institution. Includes components for processing transactions (e.g., the bank's unique business, including balance checks, deposits, withdrawals, transfers, payments, payment orders, transfers of funds, and settlement of accounts); In addition, the intermediary element comprises a component for processing at least one or more intermediary transactions (e.g., for the purpose of obtaining a fee, including the sale and exchange of securities, etc.) made in the financial institution.

Financial transactions for the financial account (or financial product) is characterized in that the client side (Client side) source is made through the server side 110 to send and receive predetermined financial transaction information, the financial The transaction information includes at least one financial transaction element for a banking transaction using the banking element included in the customer's own financial account (or financial instrument), and / or a financial transaction element for an intermediary transaction using the mediation element. In addition, the financial transaction element includes a transaction code specifying a type of financial transaction and a specific financial account (or financial product) owned by the financial transaction party and / or the customer and / or the customer. It includes a predetermined identifier (Identifier).

According to a preferred embodiment of the present invention, the transaction code is the type of financial transaction (eg, deposit transaction) requested by the client-side source 100 in response to a specific customer-owned financial account (or financial product) at the financial institution. Or a unique code for confirming a withdrawal transaction or transfer of money between the plurality of financial accounts (or financial instruments), and is defined according to the intention of the financial institution.

In addition, the identification information is read from the financial transaction party and / or customer-owned card (e.g., MS (Magnetic Stripe) card, IC (Integrated Circuit) card, IC chip mounted on or detached from the customer owned wireless terminal) Account number for the financial account (or financial instrument), or a unique code (or unique number) assigned to the financial transaction party and / or customer by the financial institution, or owned by the financial transaction party and / or customer at the financial institution Card information including a card number for identifying a card, and / or member information for the financial transaction parties and / or customers stored in a predetermined database (not shown) provided in the server side 110. It includes at least one customer information.

The client-side source 100 may be a predetermined wired terminal including at least one or more of a personal computer (PC) or a notebook that provides Internet banking and / or online payment service, and / or wireless banking and / or Or a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or personal information that provides wireless payment services. A terminal (Personal Digital Assistant; PDA) or smart phone (Smart Phone) or a wireless terminal including at least one or more wireless data communication terminal or a portable Internet terminal, and / or based on an Automatic Response Service (ARS) or Call Center (Call Center) Include at least one wired or wireless voice call device that provides phone banking and / or phone payment service A payment terminal including at least one call terminal and / or a credit authorization terminal or a contact (or contactless) IC card terminal for providing an electronic payment service, and / or an employee in a financial institution An unmanned financial terminal, and / or home banking and / or home payment, comprising at least one manned financial terminal, and / or at least one automated teller machine (ATM) or cash dispenser (CD). Home appliance terminals, including digital television (DTV), which provide services, and / or money paying institutions (eg, companies in which the customer is in service) that pays a predetermined amount to the customer, or charges for the predetermined amount to the customer Servers (e.g., banks and merchants) provided at billing institutions (e.g., credit card companies, telecommunications companies, mobile carriers, utility bill collectors including electricity, gas and water) And at least one client-side server including at least one server performing a firm banking corresponding to the customer.

According to a preferred embodiment of the present invention, a wired terminal and / or a wireless terminal and / or a call terminal and / or a payment terminal and / or an attracting terminal and / or a home appliance terminal and / or an unmanned terminal among the client-side source 100 The client-side source 100 includes means for receiving a predetermined financial transaction item from the server side 110 for a predetermined financial transaction, and assigning or inputting a predetermined financial transaction element to the financial transaction item. And at least one means for generating predetermined financial transaction information including the financial transaction element, and means for transmitting the financial transaction information to the server side 110, and / or Means for reading predetermined financial instrument information from a customer-owned medium, and / or means for inputting predetermined financial instrument information. Is preferred.

In addition, the client-side source including a wired terminal and / or wireless terminal and / or call terminal and / or payment terminal and / or attracting terminal and / or home appliance terminal and / or unattended terminal ( 100 is means for receiving a predetermined information setting item from the server side 110 to store predetermined condition (or policy) information in a predetermined storage medium 150, and setting predetermined information in the information setting item. Means for assigning or inputting an element, means for generating predetermined information setting information including the information setting element, and at least one means for transmitting the information setting information to the server side 110. desirable.

According to a preferred embodiment of the present invention, a client-side server of the client-side source 100 receives predetermined financial transaction information including a predetermined financial transaction element to be provided to the server side 110 for a predetermined financial transaction. At least one means for generating and means for transmitting the financial transaction information to the server side (110) preferably.

In addition, the client-side server of the client-side source 100 generates predetermined information setting information including a predetermined information setting element for storing predetermined condition (or policy) information in a predetermined storage medium 150. And at least one means for transmitting the information setting information to the server side 110.

The client side source 100 and the server side 110 interface through at least one network 105 and / or communication means 105, thereby allowing the server side 110 from the client side source 100. ) Provides financial transaction information including certain financial transaction elements. For example, the wired terminal interfaces with the server side 110 including the Internet, and the wireless terminal interfaces with the server side 110 including a mobile communication network (or a wireless data communication network or a portable Internet network (WiBro)). The call terminal interfaces with the server side 110 including a public switched telephone network (PSTN) or a mobile communication network, and the payment terminal interfaces with the server side 110 including a VAN. The manned terminal (or the unmanned terminal) interfaces with the server side 110, including a financial common network or a financial computer network, and the home appliance terminal interfaces with the server side 110, including the home network 105, The client-side server interfaces with the server-side 110 including a predetermined packet-only network.

According to the present invention, the server side 110 is a plurality of customer-owned N (N = 1, 2, ..., N) financial account (or financial product) including a predetermined banking element and / or intermediary element Management module 130 for managing the; A financial transaction module 120 for processing various financial transactions including at least one banking transaction and / or intermediary transaction in association with the management module 130; And the customer or the customer corresponding to a predetermined financial account (or financial product) of at least one customer-owned financial account (or financial product) managed by the management module 130 in association with the financial transaction module 120. And a control module 135 for processing the designated second customer's financial transaction in response to another financial account (or financial product) according to predetermined condition (or policy) information. An interface module for interfacing the client side source 100 to access the management module 130 and / or the financial transaction module 120 and / or the control module 135.

The interface module includes a plurality of customer-owned N (N = 1, 2, ..., N) financing by accessing the management module 130 of the server side 110 by a plurality of different client-side sources 100. Interface to access and manage an account (or financial instrument), and / or access the financial transaction module 120 of the server side 110 to access at least one customer-owned N (N = 1,2, .. ., N) to access a specific customer-owned financial account (or financial instrument) of the financial account (or financial instrument) to interface to process a predetermined financial transaction, and / or the control module 135 of the server side 110 ), And registers and stores predetermined condition (or policy) information in the storage medium 150. The interface module preferably includes an external configuration of a financial system. Do.

For example, the interface module may include a web-based server daemon when the client-side source 100 is a wired terminal (or a wireless terminal or a home appliance terminal), and an automatic response service in the case of a call terminal; ARS) system, including the payment settlement system in the case of the payment terminal, including the financial network system of the manned terminal (or unmanned terminal), in the case of the client-side server the client-side server and server It comprises a communication system conforming to a predetermined standard defined between the sides (110).

The management module 130 may be a financial account (or financial product) opened by a predetermined customer in the financial institution, and / or a financial product sold by the financial institution to a predetermined customer, and / or predetermined by the financial institution. Characterized in that to manage at least one customer account (Customer Account) for financial services provided to the customer, the management module 130 preferably comprises a functional configuration of the account system and / or DBMS of the financial system. . According to an embodiment of the present invention, the customer account management method of the management module 130 is selected from at least one of the individual account method, integrated account method, or hybrid (Hybrid) method as shown in FIG.

According to a preferred embodiment of the present invention, the management module 130 assures the reliability and validity of the banking element and / or intermediary element for at least one or more customer accounts, and for this purpose is equipped with various levels of security system It is preferable. In addition, when the management module 130 requests a predetermined component included in the banking element and / or mediation element for processing a predetermined financial transaction from the financial transaction module 120 or the control module 135, It is preferable to provide this to the financial transaction module 120 or the control module 135.

When the financial transaction information for financial transaction is received from a predetermined client-side source 100 through the interface module, the financial transaction module 120 reads at least one financial transaction element included in the financial transaction information. In the customer-owned financial account (or financial product) of the plurality of customer-owned financial account (or financial products) corresponding to the reading result characterized in that for processing the financial transaction of the customer or a second customer designated by the customer, The financial transaction module 120 preferably includes at least one account account and / or card account and / or foreign exchange account according to the type of financial transaction. Referring to FIG. 1, the financial transaction module 120 corresponds to the customer's own financial account (or financial product) in conjunction with the control module 135 when a financial transaction of the customer or the second customer designated by the customer is performed. And an interface unit 125 for providing an inter-module interface for processing at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the condition (or policy) information. do.

The interface unit 125 means for the control module 135 to monitor the financial transaction procedure carried out in the financial transaction module 120, the financial account (or finance owned by the customer by the control module 135) Product) means for interrupting a financial transaction of the customer or a second customer designated by the customer, and a second customer designated by the customer or the customer to the control module 135 at the request of the control module 135. And means for sharing and providing certain financial transaction elements for financial transactions.

The control module 135 includes at least one customer-owned N (N = 1, 2, managed by the management module 130 in which the financial transaction module 120 is linked with a predetermined client-side source 100). .., N) When the financial transaction of the customer or the second customer designated by the customer in the financial account (or financial product) is performed, the predetermined condition (or policy) information is in accordance with the condition (or policy) information. Characterized by processing at least one financial transaction corresponding to the selected financial account (or financial product).

Referring to FIG. 1, the control module 135 includes a second customer designated by the customer or the customer among N (N = 1, 2, ..., N) financial accounts (or financial products) owned by the customer. A storage medium 150 is provided for storing predetermined condition (or policy) information for processing a financial transaction through at least one specific financial account (or financial product), and the storage medium 150 is intended by those skilled in the art. Accordingly, the control module 135 may be provided on the accessible network 105.

According to a preferred method of the present invention, the condition (or policy) information may be set differently according to the customer and / or financial transaction party, for which the condition (or policy) information is a plurality of customers and / or Certain customer information (e.g., membership information (or personal information) of the customer and / or financial transaction party) for identifying the customer and / or financial transaction party among the financial transaction parties, and / or a plurality of customer-owned N ( N = 1,2, ..., N) in the financial account (or financial instrument) for identifying the financial account (or financial instrument) corresponding to the condition (or policy) information among the financial account (or financial instrument). It is processed in association with predetermined identification information including corresponding card information (e.g., account information for the financial account (or financial instrument), or information stored in a card associated with the financial account (or financial instrument)). To be preferred.

In addition, the condition (or policy) information is related to the type of financial transaction (e.g., balance inquiry, deposit, withdrawal, transfer, payment, payment instruction, money transfer, payment settlement, etc.) of the customer or a second customer designated by the customer. The condition (or policy) information may be set differently according to the financial condition of the customer or a second customer designated by the customer according to the condition (or policy) information. It is preferable to be stored in association with predetermined transaction code information for identifying the type of financial transaction to be replaced by at least one financial transaction corresponding to the account (or financial product).

The condition (or policy) information may be used to perform a financial transaction of a predetermined customer or a second customer designated by the customer among N (N = 1, 2, ..., N) financial accounts (or financial products). At least one or more condition information and / or policy information required to replace and process the financial transaction with at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the condition (or policy) information. Preferably, the conditions are set by the client-side source 100, and the policy is preferably set by a financial institution that manages the customer-owned financial account (or financial product).

The control module 135 stores a setting unit 140 for setting a predetermined condition in cooperation with the client-side source 100 and a condition set by the setting unit 140 in a predetermined storage medium 150. And a storage unit 145, wherein the setting unit 140 transmits a predetermined information setting item required for setting a predetermined condition to the client-side source 100, and the client-side source 100. And a predetermined information setting element corresponding to the information setting item, wherein the storage unit 145 has at least one functional configuration provided in the control module 135 for the received information setting element. By processing the data structure available in the element it is characterized in that stored in the storage medium (150).

According to an exemplary embodiment of the present invention, when the condition (or policy) information corresponds to the financial account (or financial product) owned by the customer, the setting unit 140 is linked with the client-side source 100. It is preferable to further include the identification information of the, and in this case, the storage unit 145 is preferably stored in a predetermined storage medium 150 by linking the set condition and the identification information, and / or the condition ( Or policy) information corresponding to a financial transaction type of the customer or a second customer designated by the customer, the setting unit 140 further includes predetermined transaction code information in association with the client-side source 100. In this case, the storage unit 145 preferably processes the set condition and the transaction code information in a predetermined storage medium 150 and / or stores the condition (or policy) information. Corresponds to a specific financial transaction type made through a predetermined financial account (or financial product), the setting unit 140 further includes predetermined identification information and transaction code information in association with the client-side source 100. In this case, the storage unit 145 stores the data in a predetermined storage medium 150 by linking the condition with the identification information and the transaction code information.

According to the present invention, the setting unit 140 and the storage unit 145 interoperate with the interface module to perform a financial transaction of the customer or a second customer designated by the customer at least of the plurality of financial accounts (or financial products). It performs a function of the condition (or policy) information storage means for storing the predetermined condition (or policy) information that is set to be made through one or more specific financial accounts (or financial products) in the predetermined storage medium 150 It is done.

Referring to FIG. 1, the control module 135 is connected to the financial transaction module 120 and based on the identification information, the customer or the customer designated financial instrument (or financial product) corresponding to the financial account (or financial product) owned by the customer. A verification unit 155 for confirming whether or not a financial transaction of the customer is performed; and a finance of the customer or a second customer designated by the customer corresponding to the financial account (or financial product) owned by the customer from the financial transaction module 120; Extraction unit 160 for extracting a financial transaction element or a portion of the financial transaction element for the transaction, and the customer or the customer corresponding to the financial account (or financial product) owned by the customer by reading the financial transaction element Determination unit 165 that determines whether the financial transaction of the designated second customer satisfies predetermined condition (or policy) information and whether the customer or the customer is supported by the condition (or policy) information. And a processing unit 175 for replacing and processing a financial transaction of a second customer with at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the condition (or policy) information. do.

According to a preferred embodiment of the present invention, the control module 135 interoperates with the client-side source 100 for the financial transaction of the customer or a second customer designated by the customer by the condition (or policy) information. It is preferable to further include an approval unit 170 for approving the processing to replace at least one or more financial transactions corresponding to the selected financial account (or financial product) in accordance with the condition (or policy) information, and the practice of those skilled in the art It may be omitted depending on the method. The approval unit 170 interoperates with the interface module before processing the financial transaction through at least one financial account (or financial product) selected according to the condition (or policy). Characterized in that it performs the function of the customer approval information receiving means for obtaining a process approval.

According to a preferred embodiment of the present invention, the control module 135 controls the condition (or policy) for the financial transaction of the customer or the second customer specified by the customer corresponding to the customer-owned financial account (or financial product). Transfer unit for replacing the at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the information and processing, and then transmits the financial transaction processing result to the client-side source 100 through the interface module It is preferable to further comprise 180, and may be provided in the financial transaction module 120 according to the practice of those skilled in the art. The transmission unit 180 processes the financial transaction through at least one financial account (or financial product) selected according to the condition (or policy) in conjunction with an interface module, and then the financial transaction processing details to the customer. It is characterized in that to perform the function of the information transmission means for notifying.

The verification unit 155 is a financial transaction element corresponding to a financial transaction in which a current financial transaction procedure is initiated / performed from the financial transaction module 120 through the interface unit 125 provided in the financial transaction module 120. Extracting predetermined identification information from the bank, and comparing the identification information with the identification information stored in the storage medium 150, the financial transaction module 120 in the financial transaction module 120 through the predetermined condition (or policy) information A financial transaction of the customer corresponding to the account (or financial instrument) or a second customer designated by the customer to at least one financial transaction corresponding to the financial account (or financial instrument) selected in accordance with the condition (or policy) information. It is characterized by checking whether a financial transaction that can be handled as a substitute is performed.

When the financial transaction of the customer or a second customer designated by the customer corresponding to the financial account (or financial product) owned by the customer is performed in the financial transaction module 120, the extractor 160 is connected to the financial transaction. A financial transaction corresponding to a financial account (or financial product) owned by the customer through the financial transaction element or a part of the financial transaction element (for example, the determination unit 165 through the condition (or policy) information). Or an element required to determine processing by replacing with at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the information), wherein the extracted financial transaction element or Some of the financial transaction elements may include a transaction code for a financial transaction of the customer or a second customer designated by the customer. desirable.

According to a preferred embodiment of the present invention, the condition (or policy) information includes the condition information and / or policy information matching the banking element and / or mediation elements for the customer's own financial account (or financial products) In this case, the extractor 160 may further include extracting a banking element and / or an intermediary element for the customer-owned financial account (or financial product) from the management module 130, whereby The determination unit 165 reads the banking element and / or the intermediary element to perform the financial transaction of the customer or the second customer designated by the customer corresponding to the financial account (or financial product) owned by the customer. ) To determine at least one financial transaction corresponding to the selected financial account (or financial instrument) in accordance with the information.

The determination unit 165 owns the customer in the financial transaction element extracted from the financial transaction module 120 or part of the financial transaction element (and / or the condition (or policy) information) extracted by the extraction unit 160. The customer's own financial account (or finance) extracted from the management module 130, if it includes condition information and / or policy information matching the banking element and / or mediation element for the financial account (or financial instrument) of Commodity) by reading the condition (or policy) information based on the banking element and / or mediation element), and in accordance with the condition (or policy) information, the financial transaction of the customer or a second customer designated by the customer Determine a financial account (or financial instrument) that replaces the client's own financial account (or financial instrument), and / or in accordance with the condition (or policy) information. Determining at least one financial transaction that replaces a financial transaction of a second customer, wherein the financial transaction of the customer or a second customer designated by the customer is selected from among the plurality of financial accounts (or financial products) owned by the customer; It is preferable that the financial account (or financial product) and the financial account (or financial product) selected in accordance with the conditions (or policy) information are different from each other. The type of financial transaction selected in accordance with the condition (or policy) information may be the same or different.

For example, when the financial transaction of the customer or the second customer designated by the customer withdraws a predetermined withdrawal amount from the demand deposit in the financial account (or financial product) owned by the customer, the determination unit 165 may determine Determine to withdraw the withdrawal amount from another demand deposit in the financial account (or financial instrument) whose interest rate is lower than the demand deposit, or have a higher yield than the demand deposit in the customer's own financial account (or financial instrument); After the transfer of the proceeds from the foreign exchange investment product to the demand deposit, it is determined to withdraw the withdrawal amount from the demand deposit.

According to a preferred embodiment of the present invention, the determination unit 165 is determined by the extraction unit 160 before determining the financial account (or financial product) and / or financial transaction meeting the conditions (or policies) The verification unit 155 confirms the type of financial transaction of the customer or a second customer designated by the customer corresponding to the financial account (or financial product) owned by the customer based on the extracted transaction code of the financial transaction element. The method may further include determining whether the transaction code information corresponds to the transaction code information processed in association with the identification information, and when the transaction code corresponds to the transaction code information, the financial statement corresponding to the condition (or policy). It is desirable to carry out the process of determining accounts (or financial instruments) and / or financial transactions.

According to an exemplary embodiment of the present invention, the determination unit 165, the confirmation unit 155, and / or the extraction unit 160 interoperate with the financial transaction module 120 and / or the management module 130 to provide the customer. Or at least one financial account (or financial product) to be used for the financial transaction among the plurality of financial accounts (or financial products) according to a predetermined condition (or policy) during the financial transaction of the second customer designated by the customer. Characterized in that the function of selecting the financial account (or financial product) selection means.

The processor 175 determines the financial transaction of the customer or a second customer designated by the customer, which is performed by the financial transaction module 120 in response to the financial account (or financial product) owned by the customer. (E.g., a financial account (or financial instrument) corresponding to the determination result of the financial account (or financial instrument) selection means (e.g., a financial account (or financial instrument) selected in accordance with the condition (or policy) information); and / Or a financial transaction (eg, at least one or more financial transactions selected in accordance with the condition (or policy) information) corresponding to the determination result.

According to a preferred embodiment of the present invention, a financial account selected according to the condition (or policy) information of a financial transaction of the customer or a second customer designated by the customer corresponding to the customer-owned financial account (or financial product) Substituting at least one financial transaction corresponding to (or a financial product) is preferably performed in conjunction with the financial transaction module 120, or finances in the processing unit 175 provided in the control module 135. When the transaction function is implemented, the processing unit 175 may directly access and process the management module 130.

According to the invention, the processing unit 175 is financed to process the financial transaction through the at least one or more financial accounts (or financial products) selected in conjunction with the financial transaction module 120 and / or management module 130 It is characterized by performing the function of the transaction processing means.

2 is a diagram illustrating a customer account management method of the management module 130 according to an embodiment of the present invention.

In more detail, Figure 2a shows a customer-owned first financial account (or financial product), second financial account (or financial product), ..., N-th financial account (or financial product managed by the management module 130) ) Is a diagram showing an individual account method, characterized in that is managed through each individual customer account, Figure 2b is a first financial account (or financial instrument), second financial account (or financial instrument) owned by the customer. , ..., a diagram illustrating a unified account method, characterized in that the N-th financial account (or financial product) is managed in one unified customer account, Figure 2c is a first financial account (or finance) owned by the customer Commodity), second financial account (or financial instrument), ..., n (1 <= n <=) N financial account (or financial instrument) is managed by each individual customer account, and the remaining n + 1 Financial accounts (or financial instruments), ..., N-th financial accounts (or financial instruments) are managed in one consolidated customer account Figure is a diagram showing a hybrid method characterized in that.

Referring to Figure 2a, the individual account management module 130 is a customer-owned first financial account (or financial product), second financial account (or financial product), ..., N-th financial account (or financial Each individual customer account storing a banking element and / or an intermediary element corresponding to a commodity) and a predetermined number of management information 205 (e.g., a plurality of financial accounts (or financial instruments) of the customer account) for the individual customer account. And a database for storing the opened financial account (or financial product) and a management unit 200 for managing the customer-owned financial account (or financial product) through the management information 205.

Referring to Figure 2b, the integrated account management module 130 is a customer-owned first financial account (or financial products), second financial account (or financial products), ..., N-th financial account (or financial Commodity) and an integrated customer account that stores and integrates and manages banking elements and / or mediation elements, and a management unit 200 that manages the integrated customer account.

Referring to FIG. 2C, the hybrid accounting management module 130 may include a customer-owned first financial account (or financial product), second financial account (or financial product), ..., N-th financial account (or financial). Commodity) corresponding to each customer account storing banking elements and / or intermediary elements, and the remaining n + 1 financial accounts (or financial instruments), ..., Nth financial accounts (or financial instruments). An integrated customer account that consolidates and stores a banking element and / or an intermediary element; a database that stores predetermined management information 205 for the individual customer account and the integrated customer account; and the customer owned through the management information 205. It includes a management unit 200 for managing a financial account (or financial product).

The management unit 200 is managed to ensure the reliability and validity of at least one customer-owned financial account (or financial product) managed by the management module 130, the customer or the customer specified The customer's own financial account (or financial product) corresponding to the financial transaction of the customer or a second customer designated by the customer with the financial transaction module 120 and / or the control module 135 in the financial transaction of the customer; It is characterized by providing a banking element and / or intermediary elements for.

According to the present invention, the management module 130 is a customer-owned first financial account (or financial product) to N-th (N = 2, 3, 4 ... N) financial account (or financial product) (or product The customer financial account (or financial product) management means for managing a plurality of financial accounts (or financial products) including a) characterized in that it performs the function.

3 is a view showing a preferred functional configuration of a financial transaction processing system according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates a financial transaction of the customer or a second customer designated by the customer in the financial transaction module 120 of the server side 110, from the financial transaction module 120 to the control module 135. A financial account (or financial product) selected according to the condition (or policy) information is provided for a financial transaction corresponding to a customer-owned financial account (or financial product) provided in the management module 130 by providing a predetermined financial transaction element. FIG. 1 illustrates a financial transaction processing system for an implementation method of replacing and processing at least one financial transaction corresponding to a).

Referring to FIG. 3, the financial transaction module 120 includes the customer or the corresponding financial account (or financial product) among a plurality of financial accounts (or financial products) owned by the customer in the financial transaction module 120. A confirmation unit 305 for confirming that the financial transaction of the second customer designated by the customer is performed, and when the financial transaction of the customer or the second customer designated by the customer is confirmed, the financial account (or financial product) owned by the customer Is provided with a providing unit 310 for providing the control module 135 with a predetermined financial transaction element or a part of the financial transaction element for the financial transaction of the customer or the second customer designated by the customer. In the method of FIG. 3, the verification unit 305 of the control module 135 illustrated in FIG. 1 is provided in the financial transaction module 120, and the control module illustrated in FIG. The extracted features of the extractor 160 of 135 is changed to the service function is for a case provided in the financial transaction module 120.

According to another exemplary embodiment of the present invention, the determining unit 165 of the control module 135 and the checking unit 305 and / or the extracting unit 160 of the financial transaction module 120 are the customer or the customer. In the financial transaction of the designated second customer, a finance for selecting at least one financial account (or financial product) to be used for the financial transaction among the plurality of financial accounts (or financial products) according to a predetermined condition (or policy). Characteristic for performing the function of the account (or financial product) selection means.

4 is a view showing a preferred functional configuration of a financial transaction processing system according to another embodiment of the present invention.

In more detail, in FIG. 4, as shown in FIGS. 1 to 3, the control module 135 and the financial transaction module 120 of the server side 110 do not cooperate with each other, and the control module 135 has a predetermined client side. The condition (or policy) for a financial transaction of the customer or a second customer designated by the customer corresponding to the customer-owned financial account (or financial product) provided in the management module 130 in association with the source 100. It illustrates a financial transaction processing system for an implementation method of replacing by processing with at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the information.

Referring to FIG. 4, the control module 135 includes a receiving unit 405 for receiving a predetermined financial transaction element from a predetermined client-side source 100, and through the received financial transaction element. At least a financial transaction of the customer corresponding to the customer's own financial account (or financial instrument) or a second customer designated by the client corresponding to the financial account (or financial instrument) selected according to the condition (or policy) information. After processing by replacing with one or more financial transactions, characterized in that it further comprises a transmission unit 180 for transmitting the result to the client-side source (100).

According to another exemplary embodiment of the present invention, the determining unit 165 and the receiving unit 405 of the control module 135 may be configured to provide the plurality of financial accounts ( Or a financial account (or financial instrument) selecting means for selecting at least one financial account (or financial instrument) to be used for the financial transaction among financial instruments according to a predetermined condition (or policy). do.

5 is a diagram illustrating a method for managing a plurality of financial accounts (or financial products) according to a preferred embodiment of the present invention.

In more detail, Figure 5 shows a plurality of customer-owned N (N = 1, 2, ..., N) financial account (or financial products), the N (N = 1, 2, ..., N) In the financial transaction of the customer corresponding to the predetermined financial account (or financial product) of the financial account (or financial product) or the second customer designated by the customer, by predetermined predetermined condition (or policy) information. A preferred method for replacing and processing at least one financial transaction corresponding to a financial account (or financial product) selected by the customer or a second customer designated by the customer in accordance with the condition (or policy) information.

In general, the procedure for financial transactions consists of a given customer and / or financial transaction party providing a predetermined financial transaction element to the server side 110 via a given client-side source 100. Predetermined identification information for identifying a client including the financial transaction party and / or a customer, a predetermined transaction code specifying a type of the financial transaction, and a financial account (or a financial product corresponding to the financial transaction); Banking elements and / or intermediaries.

Referring to Figure 5, a financial transaction element or the financial transaction provided from the client-side source 100 for the financial transaction of the customer or a second customer designated by the customer corresponding to the customer-owned financial account (or financial product) A portion of the transaction element is collected by the control module 135 (500), the preferred method of which will be described with reference to FIG. 6 or FIG.

According to a preferred embodiment of the present invention, the control module 135 in the collection process 500, the customer-owned finance corresponding to the financial transaction of the customer or a second customer specified by the customer from the management module 130 Preferably, the method further comprises extracting a banking element and / or an intermediary element corresponding to the account (or financial instrument).

With the control module 135 as described above, the predetermined financial transaction element or the financial transaction element corresponding to the financial transaction of the customer or the second customer designated by the customer corresponding to the financial account (or financial product) owned by the customer. If a portion is collected 500, the control module 135 reads through the transaction code included in the financial transaction element and the transaction code information stored in the storage medium 150 to designate the customer or a second customer designated by the customer. It is determined whether to replace the financial transaction of at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the condition (or policy) information (505).

According to a preferred embodiment of the present invention, the process 505 is performed in which the condition (or policy) is matched with a predetermined financial transaction type among a plurality of financial transactions corresponding to the customer-owned financial account (or financial product). Preferably if the conditions (or policies) correspond to the customer-owned financial account (or financial instrument) and / or correspond to the customer-owned financial account (or financial instrument). In the case of matching a transaction, the process 505 may be omitted.

If it is determined that the financial transaction of the customer or the second customer designated by the customer is not replaced by at least one financial transaction corresponding to the financial account (or financial product) selected according to the condition (or policy) information, The financial transaction module 120 allows the financial transaction of the customer or the second customer designated by the customer to be processed (515).

On the other hand, if it is determined that the financial transaction of the customer or the second customer designated by the customer is replaced with at least one financial transaction corresponding to a predetermined financial account (or financial product) corresponding to the condition (or policy) information (510) ), The control module 135 corresponds to a condition (or a financial transaction (or financial product) owned by the customer and / or a financial transaction of the customer or a second customer designated by the customer from a predetermined storage medium 150. Policy) information (520), wherein the condition (or policy) information includes a customer-owned financial account (or financial product) corresponding to a financial transaction of the customer or a second customer designated by the customer. ) A condition (or policy) for selecting a financial account (or financial instrument) corresponding to the information, and / or corresponding to the financial account (or financial instrument) owned by the customer. Including the condition (or policies) for selecting a financial transaction meeting the financial transactions of the second customer is the customer or the customer specified in the condition (or policy), the information characterized by comprising.

According to a preferred embodiment of the present invention, the condition (or policy) information, when the financial transaction is a deposit transaction, by comparing the return rate of the plurality of financial accounts (or financial instruments), the plurality of financial accounts (or financial instruments) The condition (or policy) set to deposit the amount into at least one or more financial accounts (or financial instruments) whose yield is calculated according to the deposit of the amount corresponding to the deposit transaction, and when the financial transaction is a withdrawal transaction, At least one financial account (or financial) whose yield inhibition is lowered according to the withdrawal of the amount corresponding to the withdrawal transaction among the plurality of financial accounts (or financial instruments) by comparing the yields of the plurality of financial accounts (or financial instruments) A condition (or a policy) set to withdraw the amount from the product, and the financial transaction includes the plurality of financial accounts (or gold). In the case of a transaction for transferring money between products, the rate of profit inhibition is lowered according to the withdrawal of money corresponding to the withdrawal transaction among the plurality of financial accounts (or financial products) by comparing the yields of the plurality of financial accounts (or financial products). At least one financial account (or financial instrument) withdrawn from the calculated at least one financial account (or financial instrument), and at least one financial account (or financial instruments) having a high yield when the withdrawn amount of the plurality of financial accounts (or financial instruments) is deposited ( Or a financial instrument) and at least one condition (or policy) set to deposit the withdrawn amount.

When the condition (or policy) information is extracted as described above, the control module 135 reads the extracted condition (or policy) information, thereby owning a customer corresponding to the financial transaction of the customer or a second customer designated by the customer. Selecting a financial account (or financial instrument) to replace a financial account (or financial instrument) in accordance with the conditions (or policy) information, and / or the corresponding financial account (or financial instrument) owned by the customer At least one financial transaction that replaces the financial transaction of the customer or the second customer designated by the customer in accordance with the condition (or policy) information is selected (525).

After a financial account (or financial instrument) and / or at least one financial transaction corresponding to the financial account (or financial instrument) corresponding to the condition (or policy) information is determined, the financial account (or financial instrument) owned by the customer Replacing the financial transaction of the customer or a second customer designated by the customer with at least one financial transaction corresponding to the selected financial account (or financial product) in accordance with the predetermined condition (or policy) information. If approved through the side source 100 (530), the control module 135 in conjunction with the client-side source 100, the customer or the customer corresponding to the financial account (or financial product) owned by the customer At least one or more financial transactions of the designated second customer corresponding to the financial account (or financial product) selected according to the predetermined condition (or policy) information The substitution (or conversion) of the financial transaction is approved (535).

According to a preferred embodiment of the present invention, the approval process 535 is a customer-owned financial account (or financial product) corresponding to the financial transaction of the customer or a second customer designated by the control module 135 At least one financial transaction selected in response to the information, the condition (or policy) information, and the financial account (or financial instrument) information selected in accordance with the condition (or policy) information and the selected financial account (or financial instrument). At least one corresponding to a financial account (or a financial instrument) selected from the client-side source 100 in accordance with the condition (or policy) information from the client-side source 100 through the interface module. It is preferable to include the process of receiving the financial transaction approval information for the above financial transaction.

If at least one financial transaction corresponding to the financial account (or financial product) selected in accordance with the condition (or policy) information is approved in the approval process 535, or the approval process 535 is required to be performed. If there is no, the control module 135 interoperates with the financial transaction module 120 to notify a financial transaction of the customer or a second customer designated by the customer corresponding to the financial account (or financial product) owned by the customer. At least one financial transaction corresponding to the financial account (or financial product) selected in accordance with the condition (or policy) information is replaced and processed (540).

According to the implementation method of the present invention, the financial transaction processing method includes a customer-owned financial account (or financial product) corresponding to the financial transaction of the customer or a second customer designated by the customer to the condition (or policy) information. A method of processing the same financial transaction as the financial transaction of the customer or a second customer designated by the customer by substituting a correspondingly selected financial account (or financial instrument), or corresponding to the financial account (or financial instrument) owned by the client. A method of processing a financial transaction by replacing a financial transaction of the customer or a second customer designated by the customer with at least one financial transaction selected according to the condition (or policy) information, or a financial account (or finance owned by the customer) Commodity) and / or financial transactions of the customer or a second customer designated by the customer corresponding to the financial account (or financial product). At least one method of processing a financial transaction by replacing the selected financial account (or financial instrument) and / or at least one financial transaction corresponding to the selected financial account (or financial instrument) in accordance with the case (or policy) information It is possible to include all, and those who understand the characteristics of various financial transactions made through the financial system of those skilled in the art, or the financial services provided to the customer or a second customer designated by the financial system of those skilled in the art, Based on the embodiments of the invention it will be easy to infer various implementation methods in accordance with the spirit of the present invention, the present invention is not limited thereto.

When the alternative financial transaction is processed as described above, the control module 135 generates a predetermined financial transaction processing history for the alternative financial transaction and transmits the notification to the client-side source 100 (545). According to a preferred embodiment of the present invention, the financial transaction processing is performed in conjunction with the financial transaction module 120, whereby the process of notifying the client transaction source 100 of the financial transaction processing details is the financial It may be performed by the transaction module 120.

6 is a view showing a financial transaction element collection method according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a method of performing the financial transaction element collection step 500 of FIG. 5 in the financial transaction processing system as shown in FIG. Referring to FIG. 1, the financial transaction module 120 performs a predetermined financial transaction in association with a predetermined client-side source 100, and the control module 135 monitors the financial transaction module 120. And interrupts a financial transaction procedure performed on the financial transaction module 120. For this purpose, the control module 135 includes a predetermined watch thread for monitoring the financial transaction procedure of the financial transaction module 120. It is preferable to include a monitoring thread function in the confirmation unit 155 for monitoring the financial transaction procedure performed in the financial transaction module 120 through the interface unit 125 of the financial transaction module 120 in FIG. Do. However, in general, since a thread corresponds to an infinite loop that repeatedly performs a predetermined task, in order to effectively explain this, in FIG. 6, the financial transaction elements collected during the unit time during which the thread performs a predetermined task are collected. The process is illustrated and explained.

Referring to FIG. 6, a function of monitoring the financial transaction module 120 is initiated by the control module 135 (600), whereby a predetermined monitoring thread provided in the control module 135 operates. The monitoring function is repeatedly performed until forcibly terminated by the administrator.

When the monitoring function for the financial transaction module 120 is started, the control module 135 approaches the financial transaction module 120 and the predetermined client-side source 100 in the financial transaction module 120. Determine whether a predetermined financial transaction procedure is initiated (or performed) in connection with (605), and the process of initiating (or performing) such a financial transaction procedure is performed in the financial transaction module 120. It is repeatedly performed 610 until it is confirmed whether to start (or perform).

In addition, the financial transaction module 120 determines whether a predetermined financial transaction element for performing a predetermined financial transaction procedure is received from the predetermined client-side source 100 through the interface module (615), and the determination result. When a predetermined financial transaction element is received from a given client-side source 100 (620), the financial transaction element is read to initiate a predetermined financial transaction procedure requested by the client-side source 100 (625).

If the control module 135 monitors the financial transaction module 120 as described above, if it is determined that a predetermined financial transaction procedure is initiated (or performed) in the financial transaction module 120 (610), The control module 135 interrupts the execution of the financial transaction procedure of the financial transaction module 120 to request that the financial transaction be temporarily stopped according to a predetermined financial transaction procedure (630), and the financial transaction module 120 In step 635, the financial transaction procedure is temporarily stopped.

The financial transaction module 120 determines whether the financial transaction is interrupted by the control module 135 after the financial transaction procedure is started (640), and if the execution of the financial transaction procedure is not interrupted (645), In performing the financial transaction procedure (650), the financial transaction module 120 repeatedly performs the process of determining whether the financial transaction is interrupted the procedure until the financial transaction procedure is completed (655). If the execution of the financial transaction procedure is interrupted by the control module 135 (645), it temporarily stops without performing the financial transaction procedure.

If it is confirmed in the financial transaction module 120 that the execution of the financial transaction procedure has been temporarily suspended (635), the control module 135 identifies the predetermined transaction included in the financial transaction element from the financial transaction module 120. Information is extracted (660), and the storage medium 150 is searched through the extracted identification information to determine whether predetermined predetermined identification information is stored (665).

If the predetermined identification information that matches the extracted identification information is not stored in the storage medium 150 (670), the control module 135 temporarily stops the financial transaction in the financial transaction module 120. Release 675 an interrupt to performing the procedure, whereby the financial transaction module 120 performs the financial transaction procedure requested at the client source as it is.

On the other hand, if the storage medium 150 stores predetermined identification information that matches the extracted identification information (670), the control module 135 is the client-side source 100 from the financial transaction module 120 From 680 a financial transaction element provided for the financial transaction or a portion of the financial transaction element is extracted.

7 is a view showing a financial transaction element collection method according to another embodiment of the present invention.

In more detail, FIG. 7 illustrates a method of performing the financial transaction element collection step 500 of FIG. 5 in the financial transaction processing system as shown in FIG. Referring to FIG. 3, the financial transaction module 120 performs a predetermined financial transaction in association with a predetermined client-side source 100, and the control module 135 receives a predetermined financial transaction from the financial transaction module 120. Receive a financial transaction element or a portion of the financial transaction element.

Referring to FIG. 7, the financial transaction module 120 determines whether a predetermined financial transaction element for performing a predetermined financial transaction procedure is received from a predetermined client-side source 100 through the interface module (700). If a predetermined financial transaction element is received from the predetermined client-side source 100 (705), the predetermined identification information is extracted from the received financial transaction element (710), and through the extracted identification information. The storage medium 150 is searched to determine whether matching predetermined identification information is stored (715).

If the predetermined identification information that matches the extracted identification information is not stored in the storage medium 150 (720), the financial transaction module 120 performs the financial transaction procedure requested from the client source as it is. (725).

On the other hand, if the storage medium 150 stores predetermined identification information that matches the extracted identification information (720), the financial transaction module 120 is the control module 135 to the client-side source (100) The financial transaction component or part of the financial transaction component received from 730 is provided.

8 is a view showing a financial transaction element collection method according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a method of performing the financial transaction element collection step 500 of FIG. 5 in the financial transaction processing system as shown in FIG. Referring to FIG. 4, the control module 135 receives a predetermined financial transaction element or a portion of the financial transaction element directly from a predetermined client-side source 100.

Referring to FIG. 8, the client-side source 100 performs a predetermined financial transaction in association with the financial transaction module 120 through a predetermined interface module, and the control module 135 through the interface module. In step 800, a predetermined financial transaction element or a part of the financial transaction element for the financial transaction is performed.

When the financial transaction element or part of the financial transaction element is provided from the client-side source 100 as described above, the control module 135 extracts predetermined identification information from the financial transaction element (805), and the extraction. The storage medium 150 is searched through the identified identification information to check whether predetermined predetermined identification information is stored (810).

If the predetermined identification information that matches the extracted identification information is not stored in the storage medium 150 (815), the control module 135 is different from the financial transaction being performed in the financial transaction module 120 Substitution with financial transactions is not performed. On the other hand, if the storage medium 150 stores predetermined identification information that matches the extracted identification information (815), the control module 135 is considered to have collected the financial transaction elements.

9 is a diagram illustrating a method of determining a substitute financial account (or financial instrument) according to an embodiment of the present invention.

In more detail, FIG. 9 reads predetermined condition (or policy) information in FIG. 5 to recall a customer-owned financial account (or financial product) corresponding to a financial transaction of the customer or a second customer designated by the customer. Select a replacement financial account (or financial instrument) in accordance with the condition (or policy) information, and / or the customer or a second customer designated by the client corresponding to the financial account (or financial instrument) owned by the customer Selecting at least one financial transaction that replaces the financial transaction in accordance with the condition (or policy) information (525), wherein the customer-owned N (N = 1,2, ..., N) a financial account (or financial product) owned by the customer corresponding to a financial transaction of the customer or a second customer designated by the customer in the financial account (or financial product) (or financial product (or financial product owned by the customer) Financial account (or financial instrument) with a lower interest rate than that of a product), which is determined to be replaced by a selected financial account (or financial instrument) in accordance with the condition (or policy) information.

Referring to FIG. 9, a financial account (or financial product) corresponding to the condition (or policy) information is obtained from a customer-owned financial account (or financial product) corresponding to the financial transaction of the customer or the second customer designated by the customer. The determining method may include the interest rate of the customer-owned financial account (or financial instrument) and the banking component of the customer-owned N (N = 1, 2, ..., N) financial account (or financial instrument) and / or Reading the financial account (or financial instrument) with the lowest interest rate by comparing the interest rate of each n-th (1 <= n <= N) financial account (or financial instrument) extracted from an intermediary It is done by

If the interest rate of the nth financial account (or financial instrument) with the minimum interest rate is less than the interest rate of the customer's own financial account (or financial instrument) corresponding to the financial transaction of the client or the second client designated by the client ( 900), the financial account (or financial product) selected in accordance with the condition (or policy) information for processing the n-th financial account (or financial instrument) in place of the financial transaction of the customer or a second customer designated by the customer. If not, it is determined (905), otherwise, it is determined to process the financial transaction of the customer or the second customer specified by the customer as it is (910).

10 is a diagram illustrating a method of determining a substitute financial account (or financial product) according to another embodiment of the present invention.

More specifically, FIG. 10 reads predetermined condition (or policy) information in FIG. 5 to recall a customer-owned financial account (or financial product) corresponding to the financial transaction of the customer or a second customer designated by the customer. Selecting a financial account (or financial instrument) to replace in accordance with the condition (or policy) information, and / or of the customer or a second customer designated by the client corresponding to the financial account (or financial instrument) owned by the customer Selecting at least one financial transaction that replaces a financial transaction in accordance with the condition (or policy) information (525), wherein the customer-owned Nth (N = 1, 2, ..., N); A financial account (or financial product) owned by the customer corresponding to the financial transaction of the customer or a second customer designated by the customer in the financial account (or financial product); If you decide to process a financial account (or financial instrument) with a higher rate of return (or balance, proceeds) with a financial account (or financial instrument) (financial instrument) that meets the above conditions (or policy) information. will be.

Referring to FIG. 10, a financial account (or financial product) corresponding to the condition (or policy) information is obtained from a customer-owned financial account (or financial product) corresponding to the financial transaction of the customer or the second customer designated by the customer. The determining method may include a rate of return (or balance, proceeds) of the customer-owned financial account (or financial instrument) of the customer-owned N (N = 1, 2, ..., N) financial account (or financial instrument). The yield (or balance, proceeds) is compared sequentially with the return (or balance, proceeds) of each n (1 <= n <= N) financial accounts (or financial instruments) extracted from the banking and / or intermediary elements of ) Involves reading the largest financial account (or financial instrument).

If the return (or balance, proceeds) of the n-th financial account (or financial instrument) with the maximum return (or balance, proceeds) is the customer-owned finance corresponding to the financial transaction of the customer or a second customer designated by the customer If the yield (or balance, profit) of the account (or financial instrument) is greater than 1000, the nth financial account (or financial instrument) is replaced by the financial transaction of the client or the second client designated by the client. Determine (1005) a financial account (or financial instrument) (financial instrument) that conforms to the condition (or policy) information; otherwise, determine to process the financial transaction of the customer or a second customer designated by the client as it is. (1010).

11A to 11E illustrate a financial transaction process in place of a financial account (or financial product) according to one embodiment of the present invention.

In more detail, FIGS. 11A to 11E illustrate cash withdrawal of a predetermined withdrawal amount from a customer's own financial account (or financial product) through an ATM / CD (client source). The withdrawal from the proceeds of the customer-owned foreign exchange investment product (financial account (or financial product) selected in accordance with the conditions (or policy) information) if the balance of the demand deposit is insufficient during the designated second customer's financial transaction) For cash withdrawal (financial transaction of the customer or a second customer designated by the customer).

11A, 11B and 11C illustrate a procedure for withdrawing 700,000 won in cash from a customer-owned demand deposit through an ATM / CD, where the ATM / CD allows the customer-owned card (e.g., a debit card). A predetermined account number (identification information) is read to a server of a bank managing the demand deposit, and the predetermined financial transaction element includes the account number (identification information), a cash withdrawal code (transaction code), and a withdrawal amount. It shows a procedure for receiving the input to the server side (110).

11d shows that when it is impossible to withdraw the withdrawal amount due to insufficient balance of the required deposit of the customer, after the withdrawal amount is withdrawn from the proceeds of the foreign exchange investment product owned by the customer according to the technical configuration of the present invention, The process of obtaining the customer's approval by providing the financial transaction substitution related information to the ATM / CD.

FIG. 11E illustrates a procedure for paying the withdrawal amount when a financial transaction for cashing out a predetermined withdrawal amount from the required deposit of the customer is approved to withdraw from the proceeds of the customer's own foreign exchange investment product as described above. .

According to the present invention, in a plurality of customer-owned financial accounts (or financial products) provided in a predetermined financial institution, the customer or a second customer designated by the customer is a predetermined one of the plurality of financial accounts (or financial products). Corresponding to the financial account (or financial product) optimized by the predefined predetermined condition (or policy) information in the financial transaction of the customer or the second customer designated by the customer using the financial account (or financial instrument). There is an advantage in that the processing is replaced with at least one financial transaction corresponding to the financial account (or financial product) selected at least one or more financial transactions and / or the conditions (or policies) information.

Claims (30)

Financial transactions using a plurality of financial accounts (or financial instruments), including customer-owned first financial accounts (or financial instruments) to Nth (N = 2,3,4 ... N) financial accounts (or instruments) In the treatment method, When withdrawing an amount from any one of the plurality of financial accounts (or financial instruments) or a financial account (or financial instruments) representing the plurality of financial accounts (or financial instruments) in a predetermined information storage means, the withdrawal of the amount is withdrawn. A condition (or policy) information storing step of storing predetermined condition (or policy) information set to be withdrawn from at least one specific financial account (or product) among a plurality of financial accounts (or financial products) in a predetermined storage medium. ; A financial account (or financial product) in which the customer or a second customer designated by the customer represents one of the plurality of financial accounts (or financial products) or the plurality of financial accounts (or financial products) in a predetermined information checking means. A condition (or policy) information checking step of checking condition (or policy) information previously stored in the storage medium when the amount is withdrawn; A financial account verification step of verifying at least one financial account corresponding to the condition (or policy) information of the plurality of financial accounts (or financial products) by a predetermined financial account verification means, according to the verification result; And A financial transaction processing step of processing a withdrawal of the amount from at least one financial account (or financial product) identified through the financial account verification step in a predetermined financial transaction processing means; . The method of claim 1, Before the financial transaction processing step, And acquiring the withdrawal processing approval from at least one financial account (or financial product) identified through the financial account verification step from the customer. The method of claim 2, wherein the obtaining of the money withdrawal processing approval from at least one financial account (or financial product) identified through the financial account verification step is performed by the customer, Transmitting approval request information to withdraw the amount from the at least one identified financial account (or financial product) to the customer-owned terminal; And Receiving approval information corresponding to the approval request information from the customer-owned terminal. The terminal of claim 3, wherein the customer-owned terminal comprises: A financial transaction processing method comprising a wireless terminal including at least one of a mobile phone, a PDA, a portable internet phone, and telematics. The method of claim 1, After the financial transaction processing step, The financial transaction processing method further comprises the step of notifying the financial transaction processing details to the customer. The method of claim 1, wherein the storing of the condition (or policy) information comprises: And storing the customer information of the customer who owns the plurality of financial accounts (or financial products) and / or card information corresponding to the plurality of financial accounts (or financial products) on the storage medium. According to claim 1, wherein the condition (or policy) information, At least one financial account (or less profit inhibition calculated according to the amount of withdrawal corresponding to the withdrawal transaction among the plurality of financial accounts (or financial products) by comparing the yields of the plurality of financial accounts (or financial instruments) (or Financial instruments) and the condition (or policy) set to withdraw the amount. The method of claim 1 or 7, wherein the condition (or policy) information, The financial transaction processing method, characterized in that set by the customer and / or the financial company that manages the financial account (or financial product). The method of claim 1 or 7, wherein the condition (or policy) information, The financial transaction processing method, characterized in that periodically updated in accordance with the rate of return corresponding to each of the plurality of financial accounts (or financial products). The method of claim 1, wherein in the condition (or policy) information verification step, The second customer specified by the customer, And at least one company customer requesting payment to the customer, a card company customer claiming the customer's credit card payment, and a company customer sending a bill to the customer. The method of claim 1, wherein the financial account verification step, Confirming a rate of return of each of the plurality of financial accounts (or financial instruments) at the time of the financial transaction, and comparing the rates of return of each of the identified plurality of financial accounts (or financial instruments); Financial transaction processing method characterized in that for identifying at least one financial account corresponding to the condition (or policy) information. The method of claim 1, wherein the plurality of financial accounts (or financial instruments), Savings finance accounts (or deposit finance instruments) and savings finance accounts (or reserve finance instruments); trust finance accounts (or trust finance instruments); investment finance accounts (or investment finance instruments) and insurance finance accounts (or insurance finance instruments); And at least one foreign currency deposit financial account (or foreign currency deposit financial instrument), a foreign currency deposit financial account (or foreign currency deposit financial instrument), and a foreign currency insurance financial account (or foreign currency insurance financial instrument). . The method of claim 1, wherein the plurality of financial accounts (or financial instruments), And a virtual account (or financial instrument) virtually set in association with a specific financial account (or financial instrument) owned by the customer. The method of claim 1, wherein the plurality of financial accounts (or financial instruments), Financial transaction processing method, characterized in that included in one integrated account. The method of claim 14, wherein the consolidated account, And a virtual account virtually set in association with the plurality of financial accounts (or financial products). A recording medium comprising a program for executing the method of any one of claims 1 to 11. A customer who manages a plurality of financial accounts (or financial instruments), including a first financial account (or financial instrument) owned by the customer to an Nth (N = 2,3,4 ... N) financial account (or instrument) Financial account (or financial product) management means; The customer or a second customer designated by the customer withdraws an amount from a financial account (or financial product) representing any one of the plurality of financial accounts (or financial products) or the plurality of financial accounts (or financial products). A financial account selecting means for selecting at least one or more financial accounts (or financial products) to be used to withdraw the money from among the plurality of financial accounts (or financial products) according to a predetermined condition (or policy); And And financial transaction processing means for processing the withdrawal of the amount from the selected at least one financial account (or financial product). The method of claim 17, When withdrawing an amount from any one of the plurality of financial accounts (or financial instruments) or a financial account (or financial instrument) representing the plurality of financial accounts (or financial instruments), the withdrawal of the amount is withdrawn from the plurality of financial accounts (or And a condition (or policy) information storing means for storing the predetermined condition (or policy) information set to be withdrawn from at least one specific financial account (or product) of the financial product) on a predetermined storage medium. Characterized in that the financial transaction processing system. The method of claim 18, wherein the condition (or policy) information storage means, And storing the customer information of the customer who owns the plurality of financial accounts (or financial products) and / or card information corresponding to the plurality of financial accounts (or financial products) on the storage medium. The method according to claim 17 or 18, wherein the condition (or policy), At least one financial account (or less profit inhibition calculated according to the amount of withdrawal corresponding to the withdrawal transaction among the plurality of financial accounts (or financial products) by comparing the yields of the plurality of financial accounts (or financial instruments) (or Financial products), the financial transaction processing system comprising a condition (or policy) set to withdraw the amount. The method according to claim 17 or 18, wherein the condition (or policy), The financial transaction processing system, characterized in that set by the customer and / or set up in the financial company that manages the financial account (or financial product). The method according to claim 17 or 18, wherein the condition (or policy), The financial transaction processing system, characterized in that periodically updated in accordance with the rate of return corresponding to each of the plurality of financial accounts (or financial products). The method of claim 17, Before withdrawing the amount from the selected at least one financial account (or financial instrument) in the financial transaction processing means, And the customer approval information receiving means for obtaining the financial transaction processing approval from the customer. The method of claim 17, After processing the financial transaction, And a information transmitting means for notifying the customer of the details of the financial transaction processing. The method of claim 17, wherein the financial account selection means, Confirming a rate of return of each of the plurality of financial accounts (or financial instruments) at the time of the financial transaction, and comparing the rates of return of each of the identified plurality of financial accounts (or financial instruments); Selecting at least one financial account that meets the conditions (or policies). The method of claim 17, wherein each of the means is The financial transaction processing system, characterized in that provided in a single server or a plurality of servers. The method of claim 17, wherein the plurality of financial accounts (or financial instruments), Savings finance accounts (or deposit finance instruments) and savings finance accounts (or reserve finance instruments); trust finance accounts (or trust finance instruments); investment finance accounts (or investment finance instruments) and insurance finance accounts (or insurance finance instruments); Financial transaction processing system comprising at least one foreign currency deposit financial account (or foreign currency deposit financial product), a foreign currency savings financial account (or foreign currency deposit financial product) and a foreign currency insurance financial account (or foreign currency insurance financial product). . The method of claim 17, wherein the plurality of financial accounts (or financial instruments), And a virtual account (or financial product) virtually set in association with a specific financial account (or financial product) owned by the customer. The method of claim 17, wherein the plurality of financial accounts (or financial instruments), Financial transaction processing system, characterized in that included in one integrated account. The method of claim 29, wherein the consolidated account, And a virtual account virtually set in association with the plurality of financial accounts (or financial products).

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