KR20080051975A - Card issuing method and approval processing method for cma check card and server for the method - Google Patents

Abstract

A method for issuing a CMA(Cash Management Account) check card, a payment approval method and a server for the same are provided to enable a customer to use cash managed by the CMA for online or offline payment with a check card by using an evaluation price of a beneficiary certificate of the CMA. A CMA managing/recording unit(360) manages a CMA assigned to each customer and records related information such as stored management asset. A card company collection account managing/recording unit(370) manages a collection account assigned to each cooperated card company and records the related information. A data communicator(310) communicates with a cooperated card company server. An approval processor(320) transfers an approved price to the collection account when the cooperated card company server approves a card payment price, and determines repurchase of the needed management asset. A beneficiary certificate management information recorder stores the information of the purchased management asset. A beneficiary certificate seller(340) repurchases the management asset with cash. A management asset evaluator evaluates a value of the management asset. A repurchase rule recorder records an automatic repurchase rule of the management asset based on an intension of the customer.

Description

Card Issuing Method And Approval Processing Method for CMA Check Card and Server for the Method}

1 is a system configuration diagram showing a system in which a card issuing method and an approval processing method according to the present invention are performed.

FIG. 2 is a block diagram showing the detailed structure of the securities firm server of FIG.

3 is a flowchart illustrating a card issuing method according to the present invention.

4 is a flow chart showing an approval processing method according to the present invention.

5 and 6 are flowcharts illustrating an automatic repurchase method according to the present invention.

Revenue securities trading system capable of withdrawal and withdrawal of Korea Patent No. 10-0616201, occasional deposit and withdrawal and automatic transfer service providing system using Korea Registered Patent No. 10-0585018,

Occasional deposit and withdrawal and automatic debit service providing system of securities company account using automatic trading of Korea Patent No. 10-0602792,

Korea Patent Registration No. 10-0616202 Bond trading system and trading method that can withdraw and withdraw at any time

The present invention relates to a card issuing method for granting a check card function to a CMA belonging to a securities company, an approval processing method, and a securities company server therefor.

The CMA (Cash Management Account) service, which provides a flexible and profitable investment method to subscribers, is advantageous for subscribers and operators to implement for beneficiary certificates.

Beneficiary securities are securities under Article 2 (1) 9 of the Securities and Exchange Act. The beneficiary securities may be cashed on the day of each city and may be cashed after a few days of each city.

In general, each securities firm uses virtual accounts that are opened by specific banks affiliated with securities firms in order to open and close securities accounts and make deposit and withdrawal transactions through financial institutions such as banks.

Such a securities account is normally opened by the type of securities that can be traded bar, it is necessary to open a separate account for the transaction of beneficiary certificates, in particular the CMA (Cash Management Account) cited in the present invention It is an account to be transferred, and if the client and the securities firm have a pledged balance in the CMA, the securities firm automatically buys the beneficiary and if the client requires withdrawal, the securities firm automatically sells the beneficiary. .

However, the amount held by the beneficiary certificates in the CMA cannot be conveniently used by the user for purchasing online / offline items. This is because CMA is not basically a financial account, so frequent inquiries and transfers like financial accounts are not free.

The present invention has been made to solve the above problems, and an object thereof is to provide a method for issuing a CMA card and a method for processing a payment authorization to use the assets managed by the CMA for online or offline payment.

In other words, the present invention can be used for online or offline payments by using a check card to evaluate the beneficiary certificates of CMA (which is the amount multiplied by the base price of the beneficiary certificates announced by the asset management company on the previous day). The purpose is to provide a method for issuing a CMA card and processing a payment authorization.

The authorization processing method of the present invention for achieving the above object is carried out for the amount of use of the CMA subscriber in the securities company server, including the collection account for the CMA and affiliate card companies, the authorization amount requested to the CMA of the subscriber Checking whether payment is possible (S330); If the payment is possible, transferring the used amount requested for the authorization processing from the CMA to a collection account for the affiliate card company (S340); And transferring the transfer amount accumulated in the collection account to the financial account of the affiliate card company using the financial computer network (S350).

Card issue method of the present invention for achieving the above object, the step of assigning an identification number to the card for issuance target (S110); Recording (S120) the identification attorney; Creating subscription information for the customer who wants to subscribe to the service (S140); Transmitting a card issuing request from the securities company server to the card company server (S150); Checking whether the card company server can issue the card (S160); Recording the data recorded in the temporary ledger in the ledger (S170); And transmitting the card issuance data from the card company server to the securities company server (S180).

Securities firm server of the present invention for achieving the above object, CMA management / recording unit for managing the CMA assigned to each subscriber and records the relevant information, such as holding assets; A collection account management / recording unit for managing a collection account allocated to each affiliate card company and recording related information; A data communication unit for performing communication with an affiliate card company server; Authorization processing unit for performing the authorization processing for the card payment amount received from the partner card company server, transfer the authorization processing amount to the collection account, and repurchase the necessary management assets; A beneficiary certificate management information recorder which holds information on the purchased asset; And a beneficiary certificate selling unit for repurchasing a management asset.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention.

For example, in the following description of the present invention, the term "transfer" is used, but the transfer between the securities firm's internal accounts is not a legally valid transfer, but refers to the substitution treatment of the amount according to the securities firm's internal agreement.

In addition, although shown in the drawings required for the description of the present invention as a card company and a financial company, it is natural that there is a server for online processing on the site of the card company and financial company, each method according to the present invention is performed by the server Of course.

For example, in the following description of the present invention, a case of buying and repurchasing a MMF (Money Market Fund) beneficiary that is most easily applied to the CMA on the same day will be described. However, other investment means such as bonds are also purchased by the CMA. If it can be repurchased, of course, the spirit of the present invention can be applied, of course, also belongs to the scope of the present invention is obvious.

(Example)

1 illustrates a structure of a service system according to the present invention. As shown, the service system of the present embodiment includes: an affiliated store terminal 30 for reading the card 40; A card company server 20 which first processes an authorization processing request of the affiliated store terminal; And a securities company server 10 that processes the authorization processing request via the card company server 20.

The affiliated store terminal 20 will not be described in detail because it is applied to the check card terminal according to the prior art as it is.

The card company server 20 is a server installed in a financial institution such as a bank that operates a check card or a credit card company, and is almost the same as a conventional check card service server, but the identification value of the authorization processing request received from the merchant terminal is different. In the case of the CMA check card according to the present invention, there is a difference in transmitting all or part of the approval processing request to the securities company server. If you are familiar with the above, it will be omitted in the art to add such an add-on as it is obvious in the art.

The securities company server 10 must operate a collection account for each CMA and the card company for the subscriber of each CMA check card service to implement this embodiment. The CMA according to the present embodiment should be able to sell and cash out the beneficiary certificates as much as the settlement amount according to the request for approval from the merchant terminal, while providing convenience for stock investment as the CMA according to the prior art. The securities firm server 10 transfers (replaces) the authorization processing request amount from the selling amount of the beneficiary certificates cashed in the CMA to the card company collection account.

The card company collection account is provided for each card company performing the service of the present embodiment (or for each service type of the same card company), and accumulates and stores the transfer amount from the CMA in response to the request for approval processing for the CMA check card. To accumulate transfer amounts from multiple CMAs.

2 illustrates a detailed structure of the securities firm server 10 of FIG. 1. The illustrated securities firm server 10 is CMA management / recording unit 360, collection account management / recording unit 370, data communication unit 310, approval processing execution unit 320, beneficiary certificate seller 340, beneficiary certificate management The information recording unit 330 and the beneficiary certificate value calculation unit 350 is configured.

The authorization processing unit 320 that performs authorization processing for the card payment amount received from the affiliate card company server is implemented as a HW and / or SW module for processing information such as a CPU.

The CMA management / recording unit 360 includes a storage device and a processing HW and / or SW for managing the CMA allocated to each subscriber and recording related information such as deposit.

The collection account management / recording unit 370 includes a storage device and a processing HW and / or SW for managing collection accounts allocated to each affiliate card company and recording related information.

The data communication unit 310 is for communicating with a securities company branch, affiliated card company server, in addition to the ATM (CD), affiliated bank computer 200, a plurality of bank computers 300 and / or financial common network Communication connection can be made via 500. The data communication unit 310 is implemented as a communication interface HW and / or SW, and similar to the case of a general securities company server, detailed description thereof will be omitted.

The beneficiary certificate management information recording unit 330, a beneficiary certificate purchase selection DB for storing information on the type of beneficiary certificates that the user wants to purchase, holding beneficiary certificates that stores a list of beneficiary certificates currently held by the user of the securities company account DB, information on when it is cashed when each beneficiary is sold (for example, in case of MMF, it can be cashed on the same day, so the cashing period is “0”). Transaction information DB and each beneficiary certificate that accumulate and store in real time the period information for each beneficiary certificate, which is set to "4", the deposit and withdrawal information of the securities company account and the information on the beneficiary purchase. The beneficiary certificate price information received and received from the data communication unit 310 for each purchase price has a data storage structure such as a DB or a table. Can.

In addition, the securities company server 10, when the user wants to approve the card payment amount to the securities company account, the beneficiary securities sales selection information for the user to select the type of beneficiary securities to sell, such as DB or table In addition, it may further include a repurchase rule recorder to be further provided. That is, the repurchase rule determined by the subscriber's intention can be recorded.

The beneficiary certificate selling unit 340 may perform a function of selling the beneficiary certificates of the securities company account for each user under the control of the controller 320.

The beneficiary certificate value calculator 350 calculates a present value of each beneficiary certificate currently held. Beneficiary certificates have the characteristic that the price changes every day according to the change of economic indicators. In the present invention, the repurchase is performed at the price of the beneficiary certificate on the day before the request for approval processing for the card payment amount is received, and the balance is updated for the corresponding CMA. Since beneficiary certificates, especially MMFs, are determined on a day-to-day basis, if a repurchase is made on the day the request for approval for the card payment amount is received, there will be no error due to the market profit. However, depending on the implementation, it may be implemented to approve the payment amount of the card by the asset that cannot be repurchased on the same day, and in this case, the securities company server 10 includes the beneficiary certificate value calculating unit 350 and repurchases it in the future. The present value of the beneficiary certificates to be determined is determined and the approval process is performed.

To present the main data item structure of the CMA managed by the securities firm server 10, each CMA may have data items of account identification number, subscriber information, balance information, check card number, and collection account identification number.

The account identification number and the subscriber information are the same as in the case of the general CMA, and the balance information is the same as the general CMA, but the difference is that the account transfer occurs upon request for approval processing.

The check card number is a check card that a user can use for payment to the affiliated terminal, and is an identification number of a check card for requesting authorization processing to the corresponding CMA.

The collection account identification number is an identification value for a card company collection account that receives a transfer from the CMA according to the request for approval processing from the merchant terminal.

In performing the above process may be via the VAN company server for credit payment, in this case, the VAN company server only passes the approval processing request to the corresponding card company server, as in the prior art, if the check card approval processing request, It is not included as a major component of this CMA check card system.

First, with reference to Figure 3 will be described with respect to the issuance procedure of the CMA check card according to the present invention.

The brokerage company applies for the delivery of the required number of cards to the card company. The card company receiving the delivery request allocates an identification number to each of the cards of the corresponding quantity (S110, referred to as a sundae number), and records the assignment details of the identification number in the household book (S120). For currently widely used credit / check card systems, the identification number will be a 16 digit card number embossed on the face of the card (three digit CRC may be added depending on the implementation). The card recorded in the household book is sent to the broker.

When a customer who wants to issue a CMA check card according to the present invention performs a card issuing request for a securities company, such as filling out and submitting a card application, the securities company server creates subscription information according to the customer in step S140, and step S150. In the customer information required for card issuance delivered from the customer to the card company that manages the household ledger and requests for card issuance.

The card company server that receives the customer information and the card issuing request performs a check procedure for issuing a check card such as credit check of the customer, and performs a preparation procedure for an additional service for the check card. In the drawing, the airline accesses an airline server for additional services associated with airline mileage, and acquires an airline member number corresponding to the customer information. If the airline is not a member, a new member registration procedure for the airline is performed and the airline Obtain your membership number.

When the card company server issuing the card issuance request is complete, the card company server records the information written in the household ledger and the customer information received during the issuance request, the check card ledger (S170). In addition, in step S180, the securities company server that requests card issuance is notified that the card issuance and registration to the ledger is completed, and the check card service information including additional service information (airline membership number in the drawing) is transferred to the securities company.

When the procedure up to step S180 is completed, the branch office of the brokerage firm delivers the CMA check card whose number is recorded in the ledger in step S170 to the customer who applied for the card. A customer who has issued / delivered a CMA check card by the above procedure will be referred to as a subscriber hereinafter.

Hereinafter, a payment method, that is, a processing method for the approval request from the merchant terminal will be described.

As indicated by the arrow in Figure 4, the payment method of the present embodiment, the step of requesting approval for payment from the merchant terminal to the affiliate card company server (S310); Transmitting the approval request from the card company server to the securities company server managing the CMA (S320); Confirming the settlement of the corresponding CMA by the brokerage company server (S330); Transferring, at the securities server, an authorization processing request amount in the corresponding CMA to a collection account for the card company (S340); And transferring the transfer amount accumulated in the collection account to the financial account of the card company by using the financial computer network at the securities company server (S350).

The step S310 is the same as that of the general check card. Step S310 is initiated as the subscriber presents the CMA check card according to the present invention to pay for the purchase of the goods or services.

In step S320, if the card company server examines the request for approval, and if it is determined that the request for approval is received from the CMA check card by the identification number of the check card or the like, all or part of the request processing data received from the merchant terminal CMA is received. Send to the brokerage server for the check card service. The authorization processing request data item transmitted from the card company server to the securities company server in step S320 may be a processing date, processing time, withdrawal account number, customer identification number, withdrawal account holder name, withdrawal amount, deposit account information, and merchant information. . Depending on the implementation, some of the basic authentication processes, such as BL checking, except the limit, may be performed by the card company server. One embodiment of the full text delivered to the securities company from the card company for the approval process request is shown in Table 5.

The securities company server that has received the approval processing request in step S330 checks whether there is a beneficiary certificate that can process the approval processing request amount in the CMA corresponding to the received approval processing request. In other words, it checks whether the beneficiary certificate of CMA is more than the card settlement amount. If there is a beneficiary certificate that can process the authorization processing request, in step S340, the securities company server sells the beneficiary certificate as much as the authorization processing request amount and deducts it from the beneficiary in the corresponding CMA, and the sold amount is the corresponding credit card company collection account. To increase the balance.

Since the CMA and card company collection accounts, which are important in performing the step S340, are established at the securities company, the above processes are performed between the DBs within the management scope of the securities company server, and thus it is not difficult to concretely implement them. The step S340 will be performed during the execution of the step S330, but has been marked as a separate step for clear step separation. Detailed processes for repurchasing and approving the beneficiary certificates held by the CMA in steps S330 and S340 will be described later.

When the step S330 is finished, the securities company server delivers a payment completion message to the card company server, and the card company server delivers the payment completion message to the merchant terminal as it is, or converts it to a predetermined standard and delivers it to the merchant terminal. In addition, the securities company server records the details of the approval processing request processed in the internal storage means.

The merchant terminal receiving the payment completion message performs the same procedure (for example, printing a paper slip) as the general check card payment approval.

In the figure, the card company financial account is separately displayed from the card company, and in reality, the card company's payment server and the corporate financial account are separately separated.

Next, we will look at the process of canceling the content requested for approval.

The cancellation request for the previous payment is also transmitted from the merchant terminal to the securities company server via the card company server similarly to the request for approval processing. One embodiment of the full text delivered to the securities company from the card company for the cancellation request is shown in Table 6.

The securities company server recovers the money and beneficiary certificates that were transferred from the CMA to the collection account according to the previous approval processing request, and delivers a cancellation completion message to the card company server. In order to cancel the payment, the securities company server may include a storage means for storing a previously settled payment history for a predetermined period.

In the case of the present embodiment, since the previous approval processing request processing needs to be recovered by canceling the transfer operation made to the CMA and the collection account in the securities company server, it can be seen that it is easier than the prior art cancellation process.

Even in the case of the cancellation request processing, the card company server may transfer the cancellation request message or the cancellation completion message to the merchant terminal as it is, or may be converted to a predetermined standard and transmitted to the securities company server.

If the cancellation request is made after the repurchase of the use price is completed, a process of purchasing the same amount of the repurchased beneficiary may be performed again.

Next, we will look at the settlement process for using a check card.

The collection account adds up the amount transferred according to the payment approval from a plurality of CMA. In addition, the payment history data for each collection account created by the securities company server is stored in a separate storage means.

In the state transferred to the collection account, the settlement with the securities company that owns the securities company server and the card company that owns the card company server is not completed. Therefore, the securities firm server, at the request of the credit card company can deposit the amount (or part thereof) accumulated in the collection account to the financial account owned by the card company, and deducts the amount deposited from the collection account ( At this time, the securities company server delivers the authorization processing request processing history data on the amount of the deposit to the card company.).

However, the card company's collection account can be withdrawn from the card company at any time to be transferred to its own financial account, rather than having the card company server automatically perform the step S350 for settlement, the card company's intention According to this, it is more realistic to implement the amount transferred to the collection account so that it can be transferred to the financial account at any time as necessary.

In this case, although the securities firm server performs the transfer of the amount stored in the collection account to the financial account owned by the card company according to the operator's instructions belonging to the card company, the amount transferred is due to the card settlement price. In this case, this may also be regarded as a settlement process between the securities company and the card company, and thus corresponds to step S350.

The card company server, which has received the payment amount to the financial account and received the corresponding approval processing request processing history data, checks the approval processing request processing history data and the deposit amount, and generates data for merchant settlement for each approval processing request processing history. do. The merchant settlement data is the same as in the case of a payment processing process of a general check card, and when the merchant owner requests settlement of the approved payment details later, after confirming this, the amount is delivered to the merchant owner.

Tables 1 to 7 below show one embodiment of the full text exchange between the card company and the securities company, which is an additional part according to the spirit of the present invention among the full text according to the issue and use of a general check card.

Professional name Professional Information Front Door Contents stock Card Check Card Application ● ○ Full text of application including required amount of check card Check Card Issuance ● ○ Check Card Customer Issuance Information Approval processing request ○ ● Authorization request Cancel request ○ ● Cancellation Request Transaction history aggregation ● ○ Approval / Amount, Cancellation / Amount

No Item Professional Information Remarks request answer One Identification code ● ○ "S-CARD" 2 Business number ● space 3 Organization code ● ○ "78" 4 Classification code ● ● See full text ID 5 Business division code ● ○ See full text ID 6 Send count ● 0 7 Professional number ● ○ No response number edited in response 8 Date of transmission ● ○ 9 Transmission time ● ● 10 Response code ● 11 Identification code ● space 12 Spare ● space

No Item Professional Information Remarks request answer One Record separator ● ○ "DH" 2 Professional code ● ○ "7801" 3 Date of transmission ● ○ YYYYMMDD 4 Reserve 1 ● ○ space 5 Record separator ● ○ "DB" 6 Card Product Type Code ● ○ 7 Issue Date ● ○ YYYYMMDD 8 Organization code ● ○ "78" + branch code + "0" 9 Request for Collective Issuance ● ○ 0 10 Purchase Order for Immediate Issuance ● ○ Request 11 Issuer request number ● ○ Employee number 12 Reserve 2 ● ○ space 13 Record separator ● ○ "DT" 14 Transmission ● ○ Total number of Header + Body + Trailer 15 Reserve 3 ● ○ space

No Item Professional Information Remarks request answer One Issue ● ○ 1: new, 2: reissue 2 Customer number ● ○ 3 Card number (new) ● ○ 4 Card number CVC value (new) ● ○ 5 Card number (old) ● ○ Issued by "2" 6 Card Number CVC Value (Old) ● ○ Issued by "2" 7 customer name ● ○ 8 Branch code ● ○ "78" + branch code + "0" 9 Account Number ● ○ 10 Telephone Number (Wired) 1 ● ○ 11 Telephone Number (Wired) 2 ● ○ 12 Telephone Number (Wired) 3 ● ○ 13 Phone number (wireless) 1 ● ○ 14 Phone number (wireless) 2 ● ○ 15 Phone number (wireless) 3 ● ○ 16 Pick up address ● ○ 1: workplace, 2: home 17 Zip code (home) ● ○ '-'except 18 Home address ● ○ 19 Zip code (work) ● ○ '-'except 20 Work address ● ○ 21 Father-in-law ● ○ 22 Bk No. ○ ● Korean Air BK No. 23 Filler ● ○ space

No Item Professional Information Remarks request answer One Processing date ● ○ 2 Processing time ● ○ 3 Withdrawal Account Number ● ○ Customer Account Number 4 Customer number ● ○ Withdrawal customer number 5 Withdrawal Account Deposit Name ● ○ 6 Withdrawal amount ● ○ 7 Deposit Account Number ● ○ 8 Merchant Information ● ○ Merchant Name 9 Filler ● ○

No Item Professional Information Remarks request answer One Processing date ● ○ 2 Processing time ● ○ 3 Withdrawal Account Number ● ○ 4 Original transaction number ● ○ 5 Deposit Account Number ● ○ 6 Deposit Account Holder's Name ● ○ 7 Deposit amount ● ○ 8 Deposit Account Number ● ○ 9 Merchant Information ● ○ Merchant Name 10 Filler ● ○

No Item Professional Information Remarks request answer One Date ● ○ 2 Processing time ○ ● 3 Approval ○ ● 4 Authorization amount ○ ● 5 Cancellation count ○ ● 6 Cancellation amount ○ ● 7 Filler ○ ●

Table 1 shows the types of full texts, Table 2 shows the header parts common to each text, Table 3 shows the full text of a check card application, Table 4 the full text of a check card issue, and Table 5 shows the full text of a request for approval processing. Table 6 shows the full cancellation request, and Table 7 shows the full transaction history.

For each detailed item included in the full text shown in the above table can be easily inferred by those skilled in the art will not be described.

In the approval process of the present invention, a detailed flow of a procedure for automatically repurchase a beneficiary certificate held by the corresponding CMA for the approval process for the card payment amount will be described with reference to FIGS. 4, 5 and 6.

When the method for processing the amount of money approval of the CMA subscriber performed by the securities company server including the collection account for the CMA and the affiliated card company shown in FIG. Checking whether the payment is possible (S330); If the payment is possible, transferring the used amount requested for the authorization processing from the CMA to a collection account for the affiliate card company (S340); And transferring the transfer amount accumulated in the collection account to the financial account of the affiliate card company using the financial computer network (S350).

Here, in step S330 may check whether the subscriber is subscribed to the approval processing method service.

When the card company server receives an authorization processing request for the card payment amount (used amount) (S320), the securities company server determines whether it is possible to process the approval by the card user's CMA (S330). Securities).

In the case of an implementation in which the relevant CMA operates only a single MMF that can be cashed in that day, the holder may select a single management asset that is held. With reference to the period information for each beneficiary certificate in the recorder (330 of FIG. 2) it can be grasped.

In the former case, in step S330, it is determined whether the approval processing is possible with a single management asset valuation held by the corresponding CMA, and in step S340, repurchase of the single management asset for the used amount; Transferring the used amount of money repurchased from the single asset to the collection account (S347); And updating the single management asset information of the CMA according to the repurchase of the single management asset and the approval process (S348). If the approval process is not possible with a single management asset, a non-authorization message is transmitted to the card company server (30 in FIG. 1) and the procedure is terminated.

In the latter case, in the step S330, checking whether or not payment can be made with a beneficiary certificate as an asset available for repurchase on the same day among the assets held by the CMA (S333); And whether it is possible to settle for the remaining balance after repaying the beneficiary certificates that can be repurchased on the day in step S333, as the management assets that can be repurchased within a predetermined date among the assets held by the CMA. Confirming (S335), and in step S340, repurchasing a beneficiary certificate that can be repurchased on the same day and performing an approval process (S343); And performing an approval process on the used amount of money remaining after the approval process in step S343 with the asset repurchased within the predetermined date (S345).

In this case, if there is a shortage remaining after the repurchase of the beneficiary that can be cashed on the day (in this case, the underpayment = the amount of the card settlement-the amount of the beneficiary that can be cashed on that day), the operating policy of the securities company account of the present invention is As a rule, withdrawal on the same day, select the beneficiary securities that can be traded within a certain period of time in the holding beneficiary securities database, secure the selected beneficiary securities, and withdraw the desired withdrawal request amount through the securities company account. To help. If the card settlement amount cannot be approved even if the repayment of the security settable beneficiary certificate cannot be processed, the message of disapproval is transmitted to the card company server (30 of FIG. 1) and the procedure is terminated.

At this time, selecting the asset to be repurchased among the plurality of repurchaseable assets may be based on a ranking rule determined by the subscriber or a ranking rule set by default in the service. Can be considered)

For example, some methods of selecting a beneficiary to be secured from a plurality of beneficiary certificates will be introduced. The first method is to select the beneficiary certificates that hold the present value more than the balance and have the closest amount. In this case, since the present value of the beneficiary certificates held must be grasped, the beneficiary certificate value calculation unit 350 should be used. The second method may be a method of selecting a beneficiary certificate that can be cashed as soon as possible regardless of the present value. In this case, the term information of each beneficiary certificate of the memory unit 330 should be referred to. Considering both the first and second methods, there may be a choice of how to make the user pay less interest.

As described above, the selected beneficiary certificates are repurchased through the selling unit (340 of FIG. 2) (S343 ~ S345), transferred to the card company collection account (S347), and the reserve income securities DB and transaction information DB are updated (S348). Complete the sale of the securities.

If a beneficiary certificate that is not traded on the same day is selected, the amount of the security set according to the evaluation is regarded as repurchased for the subscriber's CMA, and steps S347 and S348 are performed. In the future, when repurchasing the beneficiary certificate, the repurchase price is determined in consideration of the collateral expenses such as the amount of the security and interest.

In addition, when a request for approval processing is received during a time that cannot be traded according to the type of management assets held, the collateral setting process may be applied.

Although the preferred embodiments of the present invention have been described above, the present invention is not limited thereto, and various modifications and changes can be made within the scope of the claims and the detailed description of the invention and the accompanying drawings. Naturally, it belongs to the scope of the invention.

For example, when the asset is managed by bonds or RPs, depending on the implementation, the price at the time of request for approval processing for the amount of the card payment and the price at the time of repurchase may be different. In this case, the time difference between the request for approval processing and the repurchase should be minimized, and it may be processed similarly to the case of processing the beneficiary securities that can be secured.

By implementing the card issuing method and the authorization processing method of the present invention of the above configuration, there is an effect that the amount held in the CMA for beneficiary certificate operation can be conveniently used for online or offline payment as a check card.

Claims (15)

Assigning an identification number to a card for issue (S110); Recording (S120) the identification attorney; Creating subscription information for the customer who wants to subscribe to the service (S140); Transmitting a card issuing request from the securities company server to the card company server (S150); Checking whether the card company server can issue the card (S160); Recording the data recorded in the temporary ledger in the ledger (S170); And Transmitting card issuance data from the card company server to the brokerage company server (S180). Card issuing method comprising a. According to claim 1, After the step S180, Requesting registration of the ledger from the card company server by the subscriber who received the card; Card issuing method comprising a further. The method of claim 4, wherein the ledger registration request step, Card issuing method, characterized in that performed through the ARS or the Internet. In the method of processing the authorization of the use amount of the CMA subscriber carried out in the securities company server including the collection account for the CMA and affiliate card company, Confirming whether payment of the request for approval processing is possible using the subscriber's CMA (S330); If the payment is possible, transferring the used amount requested for the authorization processing from the CMA to a collection account for the affiliate card company (S340); And Transferring the transfer amount accumulated in the collection account to the financial account of the affiliate card company using a financial computer network (S350) Approval processing method comprising a. The method of claim 4, wherein the S330 step, Confirming whether the subscriber is subscribed to the approval processing method service; Approval processing method comprising a. The method of claim 4, wherein the S330 step, The approval processing method characterized in that it is determined whether the approval process is possible by the management asset valuation amount held by the CMA. The method of claim 4, wherein the S330 step, Checking whether it is possible to settle as an asset that can be repurchased on the day among the management assets held by the CMA (S333); And (S335) checking whether the settlement is possible with assets that can be repurchased within a predetermined period of the assets held by the CMA (S335). Approval processing method comprising a. The method of claim 4, wherein the step S340, Repurchasing the asset for the use amount; And Transferring the used amount of money repurchased from the asset to the collection account (S347); Updating the management asset information of the CMA according to the redemption of the management asset and the approval process (S348); Approval processing method comprising a. The method of claim 5, wherein in step S340, The management method for approval, characterized in that for determining among the plurality of repurchased assets, the management assets to be repurchased according to the priority determined by the subscriber. The method of claim 7, wherein The step S340, Repurchasing the asset repurchased on the same day and performing an approval process (S343); And Performing an approval process on the asset used after the approval process in the step S343 with the asset repurchased within the predetermined date (S345). Approval processing method comprising a. The method of claim 10, wherein the S345 step, Determining the value of the assets available for sale within the predetermined period and setting up collateral Approval processing method comprising a. The method of claim 4, before the step S330, Requesting approval for payment from the merchant terminal to the card company server (S310); And Transmitting the authorization request from the card company server to the securities company server managing the CMA (S320). Approval request processing method comprising a further. A CMA management / recording unit for managing the CMA allocated to each subscriber and recording related information such as the management assets held; A collection account management / recording unit for managing a collection account allocated to each affiliate card company and recording related information; A data communication unit for performing communication with an affiliate card company server; Authorization processing unit for performing the authorization processing for the card payment amount received from the partner card company server, transfer the authorization processing amount to the collection account, and repurchase the necessary management assets; The beneficiary certificate management information recorder which holds the information of the purchased asset; And Seller of beneficiary certificates to repurchase investment assets Securities company server comprising a. The method of claim 13, Asset Assessment Department to evaluate the value of investment assets Brokerage server, characterized in that it further comprises. The method of claim 13, And a repurchase rule recorder for recording an automatic repurchase rule of a management asset determined at the subscriber's intention.

Images