KR20080057814A - Asset backed securities operating system - Google Patents

Abstract

A system for managing asset backed securities is provided to issue the asset backed securities by mortgaging a service charge and various fees collected from customers, sell the asset backed securities, and pay principle/interest to the customers buying the asset backed securities by using the service charge and the various fees collected from the customers. An issuer(120) issues asset backed securities by mortgaging a service charge and various fees collected from customers. A seller(125) sells the issued asset backed securities to the customers. A repayment processor(140) pays principle/interest to the customers buying the asset backed securities by using the service charge/fees collected from the customers. The service charge is collected when the customer uses a blank deposit account with a mobile terminal. The various fees are collected when settlement using the blank deposit account is processed. The asset backed security manager uses the collected service charge as a fixed-rate repayment amount paid to the customers buying the asset backed securities and uses the fees as a monthly unfixed-rate repayment amount.

Description

Asset Backed Securities Operating System

1 is a view showing the configuration of the asset-backed securities operating system having the service fee and various fee bonds as collateral according to one embodiment of the present invention.

Figure 2 illustrates the process of issuing asset-backed securities according to the method of the present invention.

3 illustrates a process of selecting a predetermined guarantor when issuing asset-backed securities according to the method of the present invention.

4 is a diagram illustrating a process of allocating a part of the issued securities to a specific customer when issuing an asset-backed securities according to an embodiment of the present invention.

5 is a diagram illustrating a process of selling the asset-backed securities issued according to the method of the present invention.

6 is a diagram illustrating the interest rate and principal repayment process of the asset-backed securities according to the method of the present invention.

7 is a view showing the configuration of the asset-backed securities operating system having the service fee and various fee bonds as collateral according to another embodiment of the present invention.

8 illustrates an operation of asset-backed securities in accordance with an embodiment of the present invention.

9 is a diagram illustrating the interest rate and principal repayment process of asset securitized securities according to the method of the present invention.

<Description of main parts of drawing>

100: asset securitization management server 105: interface unit

110: information receiving unit 115: information providing unit

120: issuer 125: sales department

130: warranty processing unit 135: allocation unit

140: repayment processing unit 145: information storage unit

150: storage medium

The present invention provides an asset securitization issuance means for issuing asset securitized securities with a service usage fee and various fees collected from a plurality of customers, asset securitization securities selling means for selling the issued asset securitization securities, and the plurality of assets. The present invention relates to an asset securitized securities operating system including an asset securities operating means for paying principal and interest to the customer who purchases the asset securitized securities using a service usage fee and various fees collected from the customers of the securities.

As the micropayment market is active, U-Bank-related companies (eg, financial institutions, mobile carriers, VAN companies, etc.) are focusing on expanding their infrastructure and securing new business models.

However, there are many costs associated with infrastructure expansion and business model development, and it is a big financial burden. Therefore, it is necessary to secure a new infrastructure and business model and to solve financial problems. It's time to be.

An object of the present invention for solving the above problems is to issue asset-backed securities with the service usage fee and various fees collected from a plurality of customers, to sell the issued asset-backed securities, and from the plurality of customers The present invention provides an asset-backed securities management system that pays principal and interest to the customer who purchases the asset-backed securities using the service usage fee and various fees collected.

The asset-backed securities operating system according to the present invention is an asset-backed securities issuing means for issuing asset-liquidized securities with a service usage fee and various fees collected from a plurality of customers, and the asset-liquidized securities for sale. Asset-liquid securities sales means, and asset-liquid securities operating means for paying the principal and interest to the asset-liquid securities purchase customers using the service usage fees and various fees collected from the plurality of customers.

According to the present invention, the service usage fee and various fees are characterized by including a fee for using the bearer account through the customer wireless terminal and a payment processing fee for the bearer account.

According to the present invention, the asset-backed securities sales means is characterized in that a predetermined percentage of the total issued asset-liquidity securities is controlled to be sold to the affiliates for providing the service.

According to the present invention, the asset-backed securities operating means uses the service usage fee collected from the plurality of customers as a fixed rate repayment amount to provide the customer to purchase the asset-backed securities, and the various fees are used to purchase the asset-backed securities. Characterized in that it is used as a monthly variable repayment amount provided to the customer.

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 made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration 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 following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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 the configuration of the asset-backed securities operating system having the service fee and various fee bonds as collateral according to one embodiment of the present invention.

More specifically, FIG. 1 issues an asset-backed securities secured by the bonds with a predetermined service fee and various fees to be collected, and sells the issued asset-backed securities to a predetermined customer. After linking the customer information about the purchase of asset-backed securities and the purchase history of the asset-backed securities, it is stored in a predetermined storage medium 150, and when the service fee and various fees are received, the service fee and payment number deposited As a configuration of a system for paying the purchase of the asset-backed securities as the interest and repayment amount of the purchased asset-backed securities, those skilled in the art to which the present invention pertains, refer to FIG. And / or modify and issue and operate asset-backed securities with collateral for the service fees and various fee bonds. Although it will be possible to infer various implementation methods for the system configuration, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in the asset-backed securities operating system shown in FIG. 1, when a certain service fee and various fees are set as bonds, issuance and sale of the asset-backed securities having the bond as collateral, and the deposit of the service fees and various fees, For convenience, the component corresponding to at least one or more means and / or functional configurations required to pay the deposited service usage fee and various fees as the interest and principal repayment amount for the sold asset-backed securities is referred to as "the asset-backed securities management server." (100) ".

Referring to FIG. 1 according to the implementation method of the present invention, when a certain service fee and various fees are used as bonds, issuing and selling asset-backed securities having the bond as collateral, and depositing the service fees and various fees, The asset-backed securities operating system for paying the deposited service usage fee and various fees as interest and principal repayment amount on the sold asset-backed securities includes: a financial institution that issues the asset-backed securities; Characterized in that it comprises a customer terminal for purchasing the asset securitization.

The customer terminal is characterized in that it comprises a window terminal, a wired terminal or a wireless terminal used by the customer provided in the financial institution branch (or headquarters or branch).

According to an embodiment of the present invention, when the customer terminal is a window terminal provided in the branch (or headquarters or a branch) of the financial institution, the customer terminal is provided on the asset-liquid securities management system through a predetermined financial network. A communication channel is connected to the asset securitized asset management server 100.

In this case, a customer who wants to purchase the asset securitized securities visits the branch of the financial institution (or the headquarters or a branch), and through a window (or a teller) provided at the branch (or the branch). When a prescribed application for purchasing the asset securitized securities (for example, a document having a form for filling in at least one item of information for the purchase of the asset securitized securities) is prepared, and the completed application is submitted to the clerk, The teller employee inputs (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal has the input (or select) the information provided on the asset-backed securities management system through the financial network. The transferred asset securitization server.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch (or headquarters or a branch) of the financial institution, and the asset-backed securities management server 100 connected to the teller terminal is the predetermined. Preferably it comprises a ledger server provided on the financial system, the financial network connecting the teller terminal and the asset-backed securities management server 100 is the communication between the teller terminal and the asset-backed securities management server 100 It is preferable to include a network for connecting the channels.

In the asset-backed securities operating system as described above, a window terminal used by the teller and a financial network connecting the window terminal and the asset-backed securities operating server 100 are assets for the customer to purchase the asset-backed securities. Functions as a securitized securities purchasing interface.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal or a wireless terminal used by the customer, the customer who wants to purchase the asset securitized securities is connected to a wired terminal or a predetermined wireless network. Access the asset securitization management server 100 through at least one terminal of a wireless terminal connected to a communication network, and purchase the asset securitization securities through at least one user interface provided by the asset securitization management server 100. After inputting (or selecting) the information for purchasing the Securities Securities, the wired terminal or the wireless terminal transmits the securities securities management server 100 provided on the asset securities operating system through a predetermined network means. It is preferable.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) terminal or a personal digital assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the customer terminal outputs at least one or more user interfaces provided by the asset-backed securities management server 100, and inputs and / or selects at least one or more information through the user interface to manage the asset-liquid securities management server ( It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the asset securitization management server 100, etc.) for transmission to 100 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal or wireless terminal, a detailed description thereof will be omitted for convenience.

In addition, in the asset-backed securities operating system as described above, at least one of a customer terminal including at least one wired terminal or a wireless terminal used by the customer, and the customer terminal and the asset-liquid asset management server 100. The wired network or the wireless network performs the function of the asset-backed securities purchase interface for providing the asset-liquidity purchase application information for the customer to purchase the asset-backed securities issued by the financial institution.

In addition, when the asset-backed securities operating system supports the purchase of non-face-to-face asset-backed securities, the customer terminal is a cash automatic teller machine connected to a predetermined financial network (eg, a financial common network) in addition to the wired terminal or a wireless terminal. (Automated Teller Machine; ATM), Cash Dispenser (Cash Dispenser; CD), including a (not shown) further comprises a public switched telephone network (PSTN), VoIP ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a voice over IP network, or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. Or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and thus It does not limit the invention.

In the case of supporting the non-face-to-face purchase of asset-backed securities, when the customer terminal is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the asset securitized securities operation server 100 to perform a function of an asset securitized securities purchase interface for the customer to provide asset securitized securities purchase application information for the asset securitized securities purchase, or the customer When the terminal is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the asset securitized securities management server 100 is the customer. Functions of the Asset Securities Securities Purchasing Interface to provide information on the application for purchasing Securities Securities for Securities Securities. Or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the customer terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown). The network that connects the asset securitization management server 100 performs a function of an asset securitization purchase interface for the customer to provide asset securitized securities purchase application information for purchasing the asset securitized securities.

The financial institution that issues the asset securitization securities and sells the issued asset securitization securities to the customer provides at least one financial transaction service (eg, credit, receiving, foreign exchange, financial investment, etc.) to at least one financial transaction customer. And a predetermined financial system for providing.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or headquarters or branch offices) of the financial institution through a predetermined financial network (eg, our network). It is characterized in that it comprises the asset-backed securities management server 100 to be connected through a predetermined network means, or the asset-backed securities management server 100 is interlocked through a predetermined interface means, at least one through the teller terminal It provides a financial transaction service of the face-to-face financial transaction to the customer, the financial transaction service preferably comprises an asset-backed securities sales service according to the present invention.

The financial system may also include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or headquarter or branch) of the financial institution, and / or at least one affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that through the financial terminal, provides a non-face-to-face financial transaction service to at least one financial transaction customer, the financial transaction service comprises the asset-liquid securities sales service according to the present invention It is preferable.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one or more customer terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing functions) connected to the IEEE 802.16x-based portable Internet, the wireless LAN / portable Internet Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or portable terminal equipped with access and browsing function, and the financial transaction service is an asset securitization selling service according to the present invention. It is preferable to comprise a.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a PDA (Personal Digital Assistant) or a smart phone or a telematics, etc., wherein the financial transaction service is an asset according to the present invention. It is preferable to include a securitized securities sales service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Providing a non-face-to-face financial transaction service, the financial transaction service preferably comprises an asset securitization securities sales service according to the present invention.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service preferably includes an asset-liquid securities sales service according to the present invention.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, the financial transaction service preferably comprises an asset-liquid securities sales service according to the present invention.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., and the financial transaction service preferably includes an asset-liquid securities sales service according to the present invention.

Referring to FIG. 1, the financial system opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service (eg, asset-backed securities transaction service, etc.) based on the financial account. It is a computerized system provided to financial institutions in order to provide accounting for processing of credit services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch information support, and customer information. At least one non-face-to-face financial transaction means (e.g., provided with an information system that processes management, an interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. , Internet Banking, Wireless Banking, IC Chip Based Wireless Banking, Telebanking, TV Banking Etc.) or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system. Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / or the like) required for each function in a component in the financial system. Or a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information, etc.).

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The asset securitization management server 100 provided on the asset securitization management system according to the present invention is a generic term for the component of the asset securitization management system side connected to a customer terminal used by the customer through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to the embodiment of the present invention, the asset securitization management server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined asset securitization purchase interface to the customer terminal through the network means. .

According to an embodiment of the present invention, when the customer terminal includes a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 105 includes a protocol stack defined in the wired network or a wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the customer terminal and connecting a predetermined communication channel with the customer terminal based on. .

For example, when the terminal is equipped with a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the customer terminal based on the TCP / IP protocol, Using a HTPP protocol defined in a browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined asset-backed securities management program provided by the asset-liquid asset management server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal used by the customer includes a wireless terminal connected to a predetermined wireless network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 105 connects a communication channel with the customer terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using the WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with the asset-backed securities management program provided by the asset-backed securities management server 100, the interface unit 105 connects the communication channel with the customer terminal based on the CDMA protocol and It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 1, the asset securitization management server 100 includes an issuing unit 120 for issuing asset securitization securities including a bond including at least one of a predetermined service fee and various fees, and the like. When the customer terminal is connected to the asset-backed securities management server 100 through the interface unit 105, an information providing unit for providing the issued asset-liquid securities information to the customer terminal in conjunction with the interface unit 105 115 and, when receiving the purchase application information for the issued asset-liquid security from the customer terminal connected to the asset-liquid asset management server 100, according to the received purchase application information to the customer the asset-liquid Securities The sales unit 125 that sells and the customer information on the purchase of the asset securitized securities and the purchase details of the asset securitized securities are linked to each other and stored in a predetermined storage medium 150. When the deposit of the information storage unit 145 and the predetermined service usage fee and various fees is confirmed, the interest on the purchase of the asset-backed securities to the asset-purchasing customer can be provided to the customer. And it may be configured to include a repayment processing unit 140 to pay in principal repayments.

In addition, the asset-backed securities management server 100, in the process of issuing the asset-backed securities with a bond including at least one of the predetermined service usage fee and various fees, etc. It may be configured to further include at least one guarantee subject, and a guarantee processing unit 130 for guaranteeing the issued asset securitized securities through the selected guarantee subject.

In addition, the asset-backed securities management server 100, in the process of issuing the asset-backed securities with the bonds including at least one or more of the predetermined service fee and various fees, or the issued asset-backed securities In the selling process, it may be configured to further include an allocating unit 135 for allocating a part or all of the issued (or sold) asset securitized securities to at least one or more specific customers.

According to an exemplary embodiment of the present invention, the allocating unit 135 allocates the issued securitized securitized asset to the at least one or more specific customers in a process of allocating a portion of the asset securitized securities to the at least one or more specific customers. can do.

The issuing unit 120 is characterized in that issuance of asset-backed securities having a bond as a security, including at least one of a predetermined service fee and various fees (for example, payment fees, etc.).

According to the implementation method of the present invention, the issuing unit 120 collects the service usage fee and various fee information to be generated, calculates the monthly interest rate repayment and principal repayment possible amount, and calculates the monthly rate repayment and principal repayment possible amount. Accordingly, the conditions such as the interest rate of the asset-backed securities to be issued can be set, and the asset-backed securities can be issued according to the set condition information.

For example, the issuer 120 may set an interest rate and a principal repayment condition for the asset securitized securities to be issued and issue an asset securitized asset having the set interest rate and the principal repayment condition.

According to the implementation method of the present invention, the issuing unit 120, when the asset securitization management server 100 is provided in a predetermined institution (for example, a special purpose company, etc.), a trust agency (for example, a bank, etc.) A contract can be entered into for a target asset, and a total purchase and sales contract for the securitized securities can be concluded with the special purpose company.

According to the implementation method of the present invention, the issuing unit 120 may make a predetermined contract with the collection agency for repayment of the principal and the repayment of cash issued from the securitized assets and securitized securities.

According to the implementation method of the present invention, the issuing unit 120 may submit and repair the securities declaration and other documents to the Financial Supervisory Service special disclosure team.

According to the implementation method of the present invention, the issuing unit 120 to secure the bonds, such as service fees and payment fees issued through the use of the bearer deposit account issued by the financial institution mounted on the USIM of the customer's mobile phone Asset-backed securities may be issued.

The information providing unit 115, when the customer terminal is connected to the asset-backed securities management server 100 through the interface unit 105, in conjunction with the interface unit 105 is issued to the customer terminal It is characterized by providing asset-backed securities information.

Here, the asset securitization information provided by the information providing unit 115 to the customer terminal includes the date and time of issuance, interest rate and principal repayment date information of the asset securitization, sales amount information, collateral asset information, and yield information. Can be configured.

When the sales unit 125 receives the purchase application information for the issued asset securitization security from the client terminal connected to the asset securitization management server 100, the asset securitization is provided to the customer according to the received purchase application information. It is characterized by selling securities.

Here, the purchase application information for the asset securitized securities transmitted from the customer terminal may be purchased customer personal information (for example, name, social security number (or business registration number or corporation registration number), telephone number, e-mail, homepage, blog, Messenger, etc.), purchase amount information, interest rate and repayment information, and repayment payment account information.

The information storage unit 145, when the asset-backed securities are sold through the sales unit 125, associates the customer information of the asset-backed securities with the purchase details of the asset-backed securities and stores a predetermined storage medium 150. Characterized in that stored in.

According to the method of the present invention, the information storage unit 145, through the guarantee processing unit 130 is selected at least one or more guarantee subjects for the issued asset securitization securities, and through the selected guarantee subjects When the guarantee on the issued asset-backed securities is processed, the guarantee processing details are stored in a predetermined storage medium 150 in association with the asset-backed securities information.

According to the method of the present invention, the information storage unit 145, in the process of selling the issued asset-backed securities through the allocation unit 135, a part or part of the asset-backed securities issued (or sold); When all of the assets are assigned to at least one specific customer, the asset-backed securities assignment details are stored in a predetermined storage medium 150 in association with the asset-backed securities assignment customer information.

According to the method of the present invention, the information storage unit 145, in the process of allocating a portion of the asset-backed securities issued through the allocator 135 to the at least one specific customer, at a predetermined ratio Accordingly, when the at least one specific customer is allocated, the allocation ratio information for each specific customer is further stored in the storage medium 150.

When the payment of the predetermined service fee and various fees is confirmed, the repayment processing unit 140 may receive the interest fee for purchasing the asset-backed securities to the asset-purchasing customer and the predetermined service fee and various fees deposited. It is characterized by paying with the principal repayment.

According to the method of the present invention, the repayment processing unit 140 pays a fixed service fee as a fixed rate repayment amount of the asset-backed securities, and changes various monthly fees of the asset-backed securities. It can be paid by

Figure 2 illustrates the process of issuing asset-backed securities according to the method of the present invention.

More specifically, Figure 2 is an embodiment of a process of issuing an asset-backed securities having the bond as a security, with a predetermined service fee and various fees to be collected from a predetermined service user. Those skilled in the art may refer to and / or modify this drawing to provide a variety of implementation methods for issuing asset-backed securities with a certain service fee and various fee bonds to be collected from the service user. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2, the process of issuing an asset-backed securities having the bond as a bond using a predetermined service usage fee and various fees to be collected from a predetermined service-use customer is performed by the asset-backed securities operating server 100. In operation 200, the service usage fee and various fees to be collected from a predetermined service user may be collected.

The asset-backed securities management server 100 calculates the monthly redeemable interest rate and the redemption amount based on the collected information (205), and determines the amount of the asset-backed securities to be issued according to the calculated interest rate and redemption amount ( 210).

In addition, the asset-backed securities management server 100 checks whether a guarantor is selected for the asset-backed securities to be issued (215), and if there is a guarantor selected for the asset-backed securities to be issued, through FIG. 3 below. Select a guarantor (A).

On the other hand, if there is no guarantor for the asset-backed securities to be issued (220), the asset-backed securities operating server 100 checks whether there is a specific customer to allocate a portion of the asset-backed securities to issue (225). If there is a specific customer to allocate a portion of the asset-backed securities to be issued, a portion of the asset-liquidified securities to be issued is assigned to at least one or more specific customers through FIG.

On the other hand, if there is no specific customer to allocate a portion of the asset-backed securities to be issued (230), the asset-backed securities management server 100 issues the asset-backed securities according to the determined amount (235), the asset The securitized securities issuance is stored in the storage medium 150 (240).

Figure 3 illustrates the process of selecting a predetermined guarantor when issuing asset-backed securities according to the method of the present invention.

In more detail, FIG. 3 illustrates the issuance of an asset-backed securities secured by the bonds using a predetermined service usage fee and various fees to be collected from the predetermined service user shown in FIG. As an embodiment of selecting a certain guarantor for the asset-backed securities, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to be collected from the service user. In the issuance of asset-backed securities secured by service fees and various fee bonds, various implementation methods for selecting a predetermined guarantor may be inferred, but the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Referring to FIG. 3, in the process of issuing an asset-backed securities secured by the bonds, the asset-liquidized securities are secured using a predetermined service usage fee and various fees to be collected from a predetermined service-use customer shown in FIG. The securities management server 100 selects a guarantor for the asset securitized securities to be issued (300).

Here, the guarantor, characterized in that it comprises at least one or more companies that cooperate with the issuer of the asset-backed securities.

When the guarantor is selected, the asset securitization management server 100 concludes a guarantee contract with the selected guarantor (305).

When the guarantee contract with the guarantor is successfully concluded (310), the asset-backed securities server issues the asset-backed securities according to the amount of the asset-backed securities issued through the process of FIG. 2 (315), and the asset-backed securities The issue history and the guarantee are linked to and stored in the storage medium 150 (320).

4 is a diagram illustrating a process of allocating a part of the issued securities to a specific customer when issuing an asset-backed securities according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates the issuance of an asset-backed securities secured by the bonds using a predetermined service fee and various fees to be collected from a predetermined service user shown in FIG. As an embodiment of the process of allocating a portion of the asset securitized securities to at least one specific customer, those skilled in the art to which the present invention pertains may use the service by referring to and / or modifying this drawing. When issuing asset-backed securities that cover certain service fees and various fee bonds to be collected from customers, various implementation methods of allocating a portion of the asset-backed securities issued to one or more specific customers may be inferred. The invention encompasses all the implementation methods deduced above and the implementation shown in FIG. It shall not be limited only to the law.

Referring to FIG. 4, in the process of issuing an asset-backed securities secured by the bonds, the asset-liquidity securities are secured using a predetermined service usage fee and various fees to be collected from the predetermined service-use customer shown in FIG. The securities management server 100 identifies the number (or ratio) of asset securitized securities to be assigned to at least one or more specific customers with reference to the asset securitized securities issued (400).

When the number of asset securitized securities (or ratios) to be allocated to the specific customer is confirmed, the asset securitized asset management server 100 provides information on the number of asset securitized securities (or ratios) allocated to the specific customer (405).

Subsequently, when the asset securitization management server 100 issues the asset securitization securities according to the amount determined through the process of FIG. 2 (410), the asset securitization management server 100 is issued for each assigned customer. Allocates asset securitized securities (415).

In addition, the asset-backed securities management server 100 processes the asset-backed securities issuance and assignment details in association with the asset-backed securities management and stores them in the storage medium 150 (420).

5 is a diagram illustrating a process of selling the asset-backed securities issued according to the method of the present invention.

In more detail, FIG. 5 illustrates the assets issued after the issuance of an asset-backed securities secured by the bonds, with the prescribed service fee and various fees to be collected from the predetermined service user shown in FIG. As an embodiment of the process of selling the securitized securities, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5, and the predetermined service fee to be collected from a predetermined service customer. It will be possible to infer various implementation methods of selling asset-backed securities issued with various fees as bonds and the bonds as collaterals, but the present invention includes all the implementation methods inferred above, as shown in FIG. It is not limited only to the implementation method.

Referring to FIG. 5, after issuing a Jisan Securitized Securities on the asset-backed securities operating server 100 through the process of FIG. 2 (500), the asset-liquidized securities operating server at the customer terminal to purchase the asset-liquidized securities In operation 505, the asset securitization management server 100 provides the issued asset securitization information to the connected terminal (510).

If the connected customer wants to purchase the asset securitized securities (515), the terminal provides the issued asset securitized securities purchase application information from the terminal (520).

The asset-backed securities management server 100 receives and reads the asset-backed securities purchase application information transmitted from the terminal (525), determines whether it is possible to purchase (530), and when it is available for purchase, according to the purchase application information. The asset securitized securities are sold to the customer (535).

Thereafter, the asset securitization management server 100 processes the asset securitization securities sales details in association with the customer information and stores them in the storage medium 150 (540).

6 is a diagram illustrating the interest rate and principal repayment process of asset-backed securities according to the method of the present invention.

In more detail, in FIG. 6, the asset-backed securities having the bonds as collaterals are issued using the predetermined service usage fee and various fees to be collected from the predetermined service users through the process of FIG. After the sale of the issued asset securitized securities through the process of, the interest rate and principal repayment of the sold asset securitized securities is made, and if the person of ordinary skill in the art In the process of repaying the interest rate and principal of the asset securitized securities issued with the bond as a security, the service fee and various fees to be collected from a predetermined service user by referring to and / or modifying the drawing Various implementation methods may be inferred, but the present invention includes all implementation methods inferred. It said, shall not be limited to the exemplary method shown in the figure 6.

Referring to FIG. 6, the illustrated embodiment may be started from a process of periodically checking whether the asset usage securities management server 100 deposits a service usage fee and various fees from a service user.

As a result of the check, when the payment for the service usage fee and various fees is confirmed by the service user (605), the asset securitization management server 100 is an asset issued by using the deposited service usage fee and various fees as bonds. Check the securitization information (610).

In addition, the asset-backed securities management server 100 confirms the purchase history of the customer and the customer who purchased the identified asset-backed securities (615), and the interest rate to be provided to the purchase customer according to the confirmed purchase history; Check the principal repayment amount (620).

When the interest rate and principal repayment amount to be provided to the purchaser is confirmed, the asset securitization management server 100 deposits and pays the confirmed interest rate and principal repayment amount to the account registered by the purchaser (625). The purchase history of the purchase customer is updated with reference to the payment history and stored in the storage medium 150 (630).

7 is a diagram showing the configuration of the asset-backed securities operating system having the service fee and various fee bonds as collateral according to another embodiment of the present invention.

In more detail, Figure 7 is issued as an asset-backed securities secured by the bonds, with the prescribed service fee and various fees arising from the use of the bearer deposit account downloaded to the wireless terminal of the service user. Sell the issued asset-backed securities to a predetermined customer, and process the asset-liquid securities purchase customer information and the customer's asset-backed securities purchase history in a predetermined storage medium 755 and then use the service. When the service usage fee and various fees are received from the customer, the system service for paying the deposited service usage fee and the number of payments to the purchaser of the asset-backed securities as the interest and repayment amount of the purchased asset-backed securities, Those skilled in the art to which the invention pertains, see FIG. 7 and And / or infer various implementation methods for the system configuration for issuing and operating asset-backed securities with certain service charges and various fee bonds resulting from the use of an anonymous deposit account downloaded to the wireless terminal of the service user. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, as a bond, a predetermined service fee and various fees arising from the use of an anonymous deposit account downloaded to the wireless terminal of the service user on the asset management system operating system shown in FIG. At least one or more means required for issuing and selling asset-backed securities and paying the service fee and various fees as interest and repayment on the sold asset-backed securities; And / or components corresponding to the functional configuration are referred to as "assets securitized asset management server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, asset securitized as a security by using a service fee and various fees generated by the use of an anonymous deposit account downloaded to a wireless terminal of the service user as a bond. The asset-backed securities operating system for issuing and selling securities and paying the service-use fee and various fees as interest and repayment of the sold asset-backed securities at the time of depositing the service usage fee and various fees includes: A financial institution for issuing asset-backed securities, a customer terminal for purchasing asset-backed securities issued by the financial institution, etc., and a wireless terminal for using a service for downloading and using a bearer deposit account from the financial institution. do.

The customer terminal is characterized in that it comprises a window terminal, a wired terminal or a wireless terminal used by the customer provided in the financial institution branch (or headquarters or branch).

According to an embodiment of the present invention, when the customer terminal is a window terminal provided in the branch (or headquarters or a branch) of the financial institution, the customer terminal is provided on the asset-liquid securities management system through a predetermined financial network. The communication channel is connected to the asset asset management server 700 is completed.

In this case, a customer who wants to purchase the asset securitized securities visits the branch of the financial institution (or the headquarters or a branch), and through a window (or a teller) provided at the branch (or the branch). When a prescribed application for purchasing the asset securitized securities (for example, a document having a form for filling in at least one item of information for the purchase of the asset securitized securities) is prepared, and the completed application is submitted to the clerk, The teller employee inputs (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal has the input (or select) the information provided on the asset-backed securities management system through the financial network. The transferred asset securitization server.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided in the branch (or headquarters or a branch) of the financial institution, the asset-backed securities management server 700 connected to the teller terminal is the predetermined Preferably it comprises a ledger server provided on the financial system of, the financial network connecting the teller terminal and the asset-backed securities management server 700 is the communication between the teller terminal and the asset-backed securities management server 700 It is preferable to include a network for connecting the channels.

In the asset-backed securities management system as described above, a teller terminal used by the teller and a financial network connecting the teller terminal and the asset-backed securities operating server 700 are provided for the customer to purchase the asset-backed securities. Performs the function of the asset-backed securities purchasing interface.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal or a wireless terminal used by the customer, the customer who wants to purchase the asset securitized securities is connected to a wired terminal or a predetermined wireless network. Access to the asset liquidization management server 700 through at least one terminal of a wireless terminal connected to a communication network, and purchases the asset liquidization securities through at least one user interface provided by the asset liquidation management server 700. When inputting (or selecting) the information requesting the purchase of the asset-backed securities, the wired terminal or the wireless terminal transmits the asset-backed securities operating server 700 provided on the asset-backed securities operating system through a predetermined network means. desirable.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) terminal or a personal digital assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the customer terminal outputs at least one or more user interface provided by the asset-backed securities management server 700, and inputs and / or selects at least one or more information through the user interface to the asset-liquid securities management server ( It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the asset securitization management server 700, etc.) for transmission to the 700 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal or wireless terminal, a detailed description thereof will be omitted for convenience.

In addition, in the asset-backed securities management system as described above, at least one of a customer terminal including at least one wired terminal or a wireless terminal used by the customer, and the customer terminal and the asset-liquid asset management server 700. The wired network or the wireless network performs the function of the asset-backed securities purchase interface for providing the asset-liquidity purchase application information for the customer to purchase the asset-backed securities issued by the financial institution.

In addition, when the asset-backed securities operating system supports the purchase of non-face-to-face asset-backed securities, the customer terminal is a cash automatic teller machine connected to a predetermined financial network (eg, a financial common network) in addition to the wired terminal or a wireless terminal. (Automated Teller Machine; ATM), Cash Dispenser (Cash Dispenser; CD), including a (not shown) further comprises a public switched telephone network (PSTN), VoIP ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a voice over IP network, or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. It may further comprise a terminal (and / or server) (not shown) made in, or provided in at least one or more institutions affiliated with the financial institution, It does not limit the invention.

In the case of supporting the non-face-to-face purchase of asset-backed securities, when the customer terminal is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the asset securitization management server 700 to the asset securitization securities purchase interface for the customer to provide the application for purchasing the asset securitization securities for the purchase of the asset securitization securities. When the terminal is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the asset securitized securities management server 700 is the customer. Functions of the Asset Securities Purchasing Interface to provide information on the application for purchase of Asset Securities for the purchase of Asset Securities. Or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the customer terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown). The network that connects the asset securitized securities management server 700 performs a function of an asset securitized securities purchase interface for providing a customer application for purchase of asset securitized securities for the purchase of the asset securitized securities.

The financial institution that issues the asset securitization securities and sells the issued asset securitization securities to the customer provides at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one financial transaction customer. And a predetermined financial system for providing.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or headquarters or branch offices) of the financial institution through a predetermined financial network (eg, our network). It is characterized in that it is provided with the asset-backed securities management server 700 to be connected through a predetermined network means, or linked to the asset-backed securities management server 700 through a predetermined interface means, at least one through the teller terminal It provides a financial transaction service of the face-to-face financial transaction to the customer, the financial transaction service preferably comprises an asset-backed securities sales service according to the present invention.

The financial system may also include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or headquarter or branch) of the financial institution, and / or at least one affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that through the financial terminal, provides a non-face-to-face financial transaction service to at least one financial transaction customer, the financial transaction service comprises the asset-liquid securities sales service according to the present invention It is preferable.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one or more customer terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing functions) connected to the IEEE 802.16x-based portable Internet, the wireless LAN / portable Internet Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or portable terminal equipped with access and browsing functions, and the financial transaction service provides a service for selling asset-backed securities according to the present invention. It is preferable to comprise.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant) or a smart phone or a telematics. It is preferable to include the asset-backed securities sales service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. It provides a non-face-to-face financial transaction service, the financial transaction service preferably comprises an asset-backed securities sales service according to the present invention.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service preferably includes an asset-liquid securities sales service according to the present invention.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, the financial transaction service preferably comprises an asset-liquid securities sales service according to the present invention.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., and the financial transaction service preferably includes an asset-liquid securities sales service according to the present invention.

Referring to FIG. 1, the financial system opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service (eg, asset-backed securities transaction service, etc.) based on the financial account. It is a computerized system provided to financial institutions in order to provide accounting for processing of credit services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch information support, and customer information. At least one non-face-to-face financial transaction means (e.g., provided with an information system that processes management, an interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. , Internet Banking, Wireless Banking, IC Chip Based Wireless Banking, Telebanking, TV Banking King, etc.) to the financial system, or an external system that provides a variety of financial transaction interface through at least one or more common network (eg, CD common network, financial common network), and also the financial The system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / Or customer information, and / or management information, etc.) is characterized by comprising a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The asset securitization management server 700 provided on the asset securitization management system according to the present invention is a generic term for the component of the asset securitization management system side connected to a customer terminal used by the customer through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to the method of the present invention, the asset securitization management server 700 is provided with an interface unit 705 for providing a predetermined asset securitization purchase interface to the customer terminal through the network means. .

According to an embodiment of the present invention, when the customer terminal includes a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 705 includes a protocol stack defined in the wired network or a wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the customer terminal and connecting a predetermined communication channel with the customer terminal based on. .

For example, when the terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the customer terminal based on the TCP / IP protocol, Using a HTPP protocol defined in a browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined asset securitization management program provided by the asset securitization management server 700, the interface unit 705 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal used by the customer includes a wireless terminal connected to a predetermined wireless network, the interface unit 705 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 705 connects a communication channel with the customer terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using the WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with the asset-backed securities management program provided by the asset-backed securities management server 700, the interface unit 705 connects the communication channel with the customer terminal based on the CDMA protocol and It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 7, the asset-backed securities management server 700 includes a bond including at least one service fee and various fees incurred by use of an anonymous deposit account downloaded to a wireless terminal of a predetermined service user. Issuing unit 720 for issuing the asset-backed securities as collateral, and when the customer terminal is connected to the asset-liquid securities management server 700 through the interface unit 705, in conjunction with the interface unit 705 Receiving the purchase application information for the issued asset-backed securities from the information providing unit 715 for providing the information on the asset-backed securities issued to the customer terminal and the customer terminal connected to the asset-liquid securities management server 700 A sales unit 725 that sells the asset securitized securities to the customer according to the received purchase application information, and a customer who purchases the asset securitized securities; Information storage unit 745 for linking the purchase information and the asset-backed securities purchase history to a predetermined storage medium 755, and the deposit of the predetermined service usage fee and various fees, and the like It may be configured to include a repayment processing unit 740 for paying the service fee and various fees to the customer purchases the asset-backed securities as interest and principal repayments for the purchase of the asset-backed securities.

In addition, the asset-backed securities management server 700 may be configured to further include a bearer account management unit 750 for issuing and managing a bearer deposit account having a predetermined limit amount (for example, 500,000 won or less).

Here, the bearer account management unit 750, characterized in that to download to the OTA to the wireless terminal of the customer in response to a request of the service using customer generated by the use of the bearer deposit account downloaded to the wireless terminal of the service user. do.

In addition, the asset-backed securities management server 700 as collateral for a bond including at least one or more service charges and various fees generated by the use of the bearer deposit account downloaded to the wireless terminal of the predetermined service user. In the process of issuing the asset-backed securities, a guarantee processing unit 730 for selecting at least one guarantee subject for the issued asset-backed securities, and for guaranteeing the issued asset-backed securities through the selected guarantee subject. It can be configured to further include.

In addition, the asset-backed securities management server 700 as collateral for a bond including at least one or more service charges and various fees generated by the use of the bearer deposit account downloaded to the wireless terminal of the predetermined service user. An allocating unit 735 for allocating some or all of the issued (or sold) asset-liquid assets to at least one or more specific customers in the process of issuing the asset-backed securities or in the process of selling the issued asset-backed securities. It can be configured to further include.

According to an exemplary embodiment of the present invention, the allocating unit 735 allocates the issued securitized securitized asset to the at least one or more specific customers in a process of allocating a portion of the asset-backed securities to the at least one or more specific customers. can do.

The issuing unit 720 is characterized in that issuance of asset-backed securities having a bond as a security, including at least one of a predetermined service usage fee and various fees (for example, payment fees, etc.).

According to the implementation method of the present invention, the issuing unit 720 collects the service usage fee and various fee information to be generated, calculates the monthly rate repayment and principal repayment possible amount, and calculates the monthly rate repayment and principal repayment possible amount. According to the conditions, such as the interest rate of the asset-backed securities to be issued can be set, the asset-backed securities can be issued according to the set condition information.

For example, the issuing unit 720 may set the interest rate and principal repayment conditions for the asset-current securities to be issued, and issue the asset-current securities having the set interest rate and the principal repayment condition.

According to the method of the present invention, the issuance unit 720, when the asset securitization management server 700 is provided in a predetermined institution (for example, special purpose company, etc.), a trust agency (for example, a bank, etc.) A contract can be entered into for a target asset, and a total purchase and sales contract for the securitized securities can be concluded with the special purpose company.

According to the implementation method of the present invention, the issuing unit 720 may make a predetermined contract with the collection agency for repayment of the principal and the repayment of cash issued from the securitized assets and securitized securities.

According to the implementation method of the present invention, the issuing unit 720 may submit and repair the securities declaration and other documents to the Financial Supervisory Service special disclosure team.

According to the implementation method of the present invention, the issuing unit 720 is secured by bonds, such as service fees and payment fees issued by the financial institution generated through the use of the bearer deposit account that is mounted on the USIM of the customer's mobile phone. Asset-backed securities may be issued.

The information providing unit 715, when the customer terminal is connected to the asset-backed securities management server 700 through the interface unit 705, is issued to the customer terminal in conjunction with the interface unit 705 It is characterized by providing asset-backed securities information.

Here, the asset securitization information provided by the information providing unit 715 to the customer terminal includes the date and time of issuance, interest rate and principal repayment date information of the asset securitization, sales amount information, collateral asset information, and yield information. Can be configured.

When the sales unit 725 receives the purchase application information for the issued asset securitization security from a client terminal connected to the asset securitization management server 700, the asset liquefaction is provided to the customer according to the received purchase application information. It is characterized by selling securities.

Here, the purchase application information for the asset securitized securities transmitted from the customer terminal may be purchased customer personal information (for example, name, social security number (or business registration number or corporation registration number), telephone number, e-mail, homepage, blog, Messenger, etc.), purchase amount information, interest rate and repayment information, and repayment payment account information.

When the asset securitization securities are sold through the sales unit 725, the information storage unit 745 associates the customer information on the purchase of the asset securitization securities with the purchase history of the asset securitization securities in a predetermined storage medium 755. Characterized in that stored in.

According to the method of the present invention, the information storage unit 745 is selected through the guarantee processing unit 730 at least one or more guarantee subjects for the issued asset securitization securities, and through the selected guarantee subjects When the guarantee on the issued asset-backed securities is processed, the guarantee processing details are stored in a predetermined storage medium 755 in connection with the asset-backed securities information.

According to the method of the present invention, the information storage unit 745, in the process of selling the issued asset securitized securities through the allocating unit 735, a part or part of the asset securitized securities issued (or sold); When all of the assets are assigned to at least one specific customer, the asset-backed securities assignment details are stored in a predetermined storage medium 755 in association with the asset-backed securities allocation customer information.

According to the method of the present invention, the information storage unit 745, in the process of allocating a portion of the asset-backed securities issued through the allocating unit 735 to the at least one or more specific customers, at a predetermined ratio. Accordingly, when the at least one specific customer is allocated, the allocation ratio information for each specific customer is further stored in the storage medium 755.

The repayment processing unit 740, when the payment of the service fee and the various fees generated by the use of the bearer deposit account downloaded to the wireless terminal of the predetermined service user is confirmed, the predetermined service fee and various fees deposited It is characterized in that to pay the interest and principal repayments for the purchase of the asset-backed securities to the customer.

According to the method of the present invention, the repayment processing unit 740 pays a fixed service fee as a fixed rate repayment amount of the asset-backed securities, and changes various monthly fees of the asset-backed securities. It can be paid by

Figure 8 illustrates the operation of asset-backed securities according to the method of the present invention.

In more detail, Figure 8 illustrates the issuance and sale of asset-backed securities with collateral, using service fees and various fees arising from the use of an anonymous deposit account downloaded to a wireless terminal of a predetermined service user. As an example of the process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to secure a predetermined service fee and various fee bonds to be collected from the service user. Various implementation methods for issuing and selling asset-backed securities may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 8, the illustrated embodiment may be started from a process of receiving a request for downloading an anonymous deposit account from the customer wireless terminal at the server 800, and downloading the anonymous deposit account through the OTA to the customer wireless terminal. 805.

Then, when the customer uses the bearer deposit account through the wireless terminal (for example, micropayment, traffic settlement, etc.) (810), the service fee and settlement fee incurred by using the bearer deposit account in the server as a bond. Asset securitized securities are issued (815).

When the client terminal wanting to purchase the issued asset-backed securities accesses the server (820), the server provides the issued asset-backed securities information to the connected terminal (825).

If the customer wants to purchase the asset securitized securities (830), the terminal provides asset securitized securities purchase application information to the server (835), and the server receives and reads the asset securitized securities purchase application information ( 840).

As a result of the reading, if the customer can purchase the asset securitized securities (845), the server sells the asset securitized securities to the customer according to the purchase application information (850), and sells the asset securitized securities sales history with the customer information. In operation 855, the data is stored in the storage medium 755.

9 is a diagram showing the interest rate and principal repayment process of the asset-backed securities according to the method of the present invention.

In more detail, FIG. 9 shows an asset-backed securities having the bond as a security, with a predetermined service fee and various fees to be collected from a predetermined service user through the process of FIG. After the sale of the issued asset securitized securities through the process of 8, the embodiment of the interest rate and principal repayment of the sold asset securitized securities is made, having ordinary knowledge in the technical field to which the present invention belongs. In this case, the interest rate and principal repayment for the asset-backed securities issued as collateral with a predetermined service fee and various fees to be collected from a predetermined service user by referring to and / or modifying this drawing 9 Various implementations of the process may be inferred, but the present invention encompasses all such implementations inferred. And it shall not be limited to the exemplary method shown in the figure 9.

Referring to FIG. 9, the illustrated embodiment may be started from a process of periodically checking whether a service usage fee and various fees are deposited from a service user in the asset securitization management server 700 (900).

As a result of the check, when the payment for the service usage fee and various fees is confirmed from the service user (905), the asset securitization management server 700 is an asset issued by using the deposited service usage fee and various fees as bonds. Check the securitization information (910).

In addition, the asset-backed securities management server 700 confirms the purchase history of the customer and the customer who purchased the identified asset-backed securities (915), and provides an interest rate to be provided to the purchaser according to the confirmed purchase history. Check the principal repayment amount (920).

When the interest rate and principal repayment amount to be provided to the purchase customer is confirmed, the asset management and securities operation server 700 deposits and pays the confirmed interest rate and principal repayment amount to the account registered by the purchaser (925), The purchase history of the purchase customer is updated with reference to the payment details and stored in the storage medium 755 (930).

According to the present invention, the asset-backed securities are issued with collateral for service usage fees and various fees collected from a plurality of customers, the asset-backed securities are sold, and the service usage fees and various fees collected from the plurality of customers are secured. By paying the principal and interest to the customer who purchases the asset-backed securities using a fee, financing is facilitated, and there is an advantage of overcoming financial problems for a given business.

In addition, it can bring about the activation of the micropayment market, and has the advantage of leading the position preemption when constructing infrastructure between financial institutions and asset providers (eg, mobile carriers, affiliates, VAN companies, etc.).

Claims (4)

Asset-backed securities issuing means for issuing asset-backed securities with collateral for service usage fees and various fees collected from a plurality of customers; Asset-liquid securities selling means for selling the issued asset-liquid asset securities; Asset-liquid securities operating system for providing the principal and interest to the asset-liquid securities purchase customers using the service usage fee and various fees collected from the plurality of customers. According to claim 1, The service usage fee and various fees, Charges for using a bearer deposit account through a customer's wireless terminal, Asset management system characterized in that it comprises a payment processing fee using the bearer deposit account. According to claim 1, wherein the asset-backed securities selling means, Asset management system, characterized in that a certain percentage of the total issued asset-backed securities are controlled to sell to the affiliates for providing the service. According to claim 1, wherein the asset-backed securities operating means, The service usage fee collected from the plurality of customers is used as a fixed rate redemption amount provided to the customer who purchases the asset-backed securities, and the various fees are used as the monthly variable principal repayment amount provided to the customer who purchases the asset-backed securities. Asset-backed securities management system.

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