KR20090001932A - System and method for processing forward exchange transaction agreement related foreign investment commodity and program recording medium - Google Patents

Abstract

A system and a method for processing forward exchange transaction agreement related foreign investment commodity are provided to skip a step of connecting a foreign exchange managing department in a process of producing a swap point again, thereby making accuracy higher. A system and a method for processing forward exchange transaction agreement related foreign investment commodity comprise the following units. A contract processing unit makes a forward exchange transaction contract corresponding to an overseas investment commodity which a client registers. An information receiving unit receives redemption request information including redemption date information about the overseas investment commodity(585). A forward exchange newly contracting unit deals with making a newly forward exchange transaction contract based on the redemption data included in the redemption request information(590).

Description

System and Method for Processing Forward Exchange Transaction Agreement Related Foreign Investment Commodity and Program Recording Medium}

1 is a diagram illustrating a face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and futures exchange transactions according to an embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium for storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

3 is a database in which a storage medium storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another embodiment of the present invention is linked to a ledger D / B provided in a DBMS on a financial system; It is a figure which shows the implementation method containing.

4 is a flowchart illustrating an implementation method including a DBMS provided in a banking server in a storage medium storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. Drawing.

5A and 5B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of an international mutual fund and a futures exchange transaction in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of an international mutual fund and a forward exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of an international mutual fund and a futures exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of an external mutual fund and a forward exchange transaction in a face-to-face manner according to an embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and forward exchange transactions according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium for storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

11 is a database in which a storage medium storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner according to another embodiment of the present invention is linked to the ledger D / B provided in the DBMS on the financial system A diagram showing an implementation method including a.

FIG. 12 illustrates an implementation method including a DBMS provided in a banking server in a storage medium storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. Drawing.

13A and 13B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous execution of a foreign mutual fund and a forward exchange transaction in a non-face-to-face manner according to one embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of an international mutual fund and a forward exchange transaction according to one embodiment of the present invention.

FIG. 15 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of an external mutual fund and a forward exchange transaction in a face-to-face manner according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a face-to-face repurchase application information registration system for automatically calculating a swap point for a futures exchange transaction contract when processing an overseas mutual fund repurchase according to one embodiment of the present invention.

FIG. 17 is a diagram illustrating the structure of redemption application information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for automatically calculating a swap point for a futures exchange transaction contract when processing an overseas mutual fund redemption according to an embodiment of the present invention. One drawing.

18 is a redemption stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the automatic calculation of the swap point for the future exchange transaction contract when processing overseas mutual fund redemption according to another embodiment of the present invention It is a figure which shows the structure of application information.

19 is a diagram showing the configuration of the repurchase request information stored in the DBMS provided in the banking server in a face-to-face manner for automatic calculation of the swap point for the futures exchange transaction contract during the foreign mutual fund repurchase process according to another embodiment of the present invention .

20A and 20B illustrate a process of registering repurchase application information in a face-to-face manner according to an exemplary embodiment of the present invention.

21A and 21B illustrate a process of registering repurchase application information in a face-to-face manner according to another exemplary embodiment of the present invention.

22A and 22B illustrate a process of registering repurchase application information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a forward exchange transaction contract processing process for automatically calculating a swap point for a forward exchange transaction contract when a foreign mutual fund redemption processing is performed in a face-to-face manner according to an embodiment of the present invention.

24 is a diagram illustrating a non-face-to-face repurchase application information registration system for automatic calculation of a swap point for a futures exchange transaction contract when processing an overseas mutual fund repurchase according to another exemplary embodiment of the present invention.

FIG. 25 is a diagram illustrating repurchase application information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face fashion for automatic calculation of a swap point for a futures exchange transaction contract during an overseas mutual fund redemption process according to an embodiment of the present invention. Figure is shown.

Figure 26 is stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for automatic calculation of the swap point for the future exchange transaction contract in the process of repurchase foreign mutual funds according to another embodiment of the present invention It is a figure which shows the structure of redemption application information.

FIG. 27 is a diagram illustrating the structure of redemption application information stored in a DBMS provided in a banking server in a non-face-to-face manner for automatically calculating a swap point for a forward exchange transaction contract when processing an overseas mutual fund redemption according to another embodiment of the present invention. to be.

28A and 28B illustrate a process of registering redemption application information in a non-face-to-face manner for automatically calculating a swap point for a forward exchange transaction contract when processing an overseas mutual fund redemption according to an embodiment of the present invention.

29A, 29B, and 29C illustrate a process of registering repurchase application information through a non-face-to-face financial transaction channel for automatic calculation of a swap point for a forward exchange transaction contract when processing an overseas mutual fund repurchase according to one embodiment of the present invention. One drawing.

30 is a diagram illustrating a forward exchange transaction contract processing process for automatic calculation of a swap point for a forward exchange transaction contract in a non-face-to-face overseas mutual fund redemption process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: overseas muchu monthly fund subscription server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: fund electronic document generation unit 132: fund electronic document transmission unit

135: information generating unit 140: financial account processing unit

145: Fund information storage unit 147: Forward exchange transaction contract processing unit

150: contract confirmation issuance processing unit 155: futures exchange electronic document generation unit

157: Forward exchange electronic document transmission unit 159: Forward exchange information storage unit

160: electronic document server 165: electronic document receiving unit

170: information generating unit 175: electronic document storage unit 180: electronic document D / B 185: storage medium

190: terminal device

The present invention includes the steps of entering into a forward exchange transaction contract corresponding to an overseas investment product subscribed by a predetermined customer in a predetermined contract processing means, and information on repurchase date of the foreign investment product of the customer in a predetermined information receiving means. Receiving the repurchase request information, and establishing a new future exchange transaction contract using a repurchase date included in the repurchase request information as a due date in a predetermined new contract processing means and the new conclusion in a predetermined information storage means. The present invention relates to a method of processing a forward exchange transaction contract associated with an overseas investment product, the method comprising storing the received future exchange transaction contract information in connection with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium. .

Due to the development of the financial industry, much of the financial business has been computerized, which makes it easy to cancel or change the maturity of various financial products.

However, in the case of a financial product using a foreign exchange such as an overseas mutual fund, it takes a long time to calculate a swap point in order to process a future exchange transaction contract associated with the financial product.

In addition, the process of recalculating the swap point in order to re-process the forward exchange transaction contract associated with the financial instrument must be handled in connection with the department managing the foreign exchange. have.

An object of the present invention for solving the above problems includes a contract processing means for entering into a forward exchange transaction contract corresponding to a foreign investment product subscribed to a predetermined customer, and information on repurchase date of the foreign investment product of the customer. Information receiving means for receiving repurchase request information, new contract processing means for newly entering the forward exchange transaction contract with the repurchase date included in the repurchase request information as the maturity date, and the newly concluded future exchange transaction contract information; Alternatively, the present invention provides a forward exchange transaction contract processing system associated with an overseas investment product including an information storing means for processing the information associated with the foreign investment product subscribed to by the customer and storing the information on a predetermined storage medium.

The method for processing a forward exchange transaction contract associated with an overseas investment product according to the present invention comprises the steps of: entering a forward exchange transaction contract corresponding to an overseas investment product subscribed by a predetermined customer in a predetermined contract processing means; Receiving the repurchase request information including the repurchase date information of the foreign investment product of the customer, and using the repurchase date included in the repurchase request information in a predetermined new contract processing means as a due date; And storing the newly concluded futures exchange transaction contract information in connection with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium in a predetermined information storage means. It is characterized by.

A method of processing a forward exchange transaction contract associated with an overseas investment product according to the present invention, the method further comprising the step of transmitting the newly entered forward exchange transaction contract information to the customer communication means in a predetermined information transmission means. do.

On the other hand, it includes a computer-readable recording medium recording a program for executing a method for processing a forward exchange transaction contract associated with the foreign investment product described above.

On the other hand, the future exchange transaction contract processing system associated with the foreign investment product according to the present invention, the contract processing means for entering into a future exchange transaction contract corresponding to the foreign investment product subscribed by a predetermined customer, and the foreign investment product of the customer Information receiving means for receiving repurchase request information including repurchase date information, new contract processing means for newly concluding the forward exchange transaction contract with the repurchase date included in the repurchase request information as a maturity date, and the newly concluded forward exchange transaction And information storage means for linking the contract information with the customer information (or foreign investment product information subscribed to by the customer) and storing the contract information in a predetermined storage medium.

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 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 embodiments will be used to properly modify the terms so that those of ordinary skill 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.

In addition, the following embodiments are described based on foreign mutual funds in order to effectively explain the present invention. However, the present invention is not limited thereto, and all products requiring foreign exchange hedging, such as foreign investment products, are required. Include.

1 is a diagram illustrating a face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and futures exchange transactions according to an embodiment of the present invention.

In more detail, Figure 1 shows that a given customer prepares an overseas mutual fund subscription application including at least one of predetermined customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. When submitted, the fund joining institution subscribes to an overseas mutual fund for automatic currency hedge through the simultaneous signing of a futures exchange transaction with the overseas mutual fund based on the application information of the overseas mutual fund joining application corresponding to the overseas mutual fund joining application. The present invention relates to a system configuration for opening a predetermined financial account for managing overseas mutual funds. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention to view foreign mutual funds and forward exchanges. Overseas mutual funds for automatic currency hedging through simultaneous closing of transactions Would be able to infer a variety of exemplary methods for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 1, and the foreign mutual omitting the implementation method of storing the foreign mutual fund subscription application electronic document in the electronic document repository. It is possible to infer the fund subscription system configuration, and also in the case of storing the foreign mutual fund subscription application electronic document in the electronic document repository, the electronic document repository is in addition to the implementation method shown in FIG. Although it can be inferred the implementation method provided in the DBMS located in the present invention, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the implementation method of generating the foreign mutual fund subscription application electronic document, an overseas mutual fund subscription application electronic document corresponding to the foreign mutual fund subscription application is placed on the foreign mutual fund subscription system. Although illustrated as being generated on the server side, the present invention is not limited thereto, and the overseas mutual fund subscription application electronic document may display image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device. The terminal may be generated on the acquired terminal side (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the overseas mutual fund subscription application electronic document), and the present invention is not limited thereto.

Hereinafter, the customer subscribes to the overseas mutual fund in response to the overseas mutual fund subscription application and the overseas mutual fund subscription application information prepared by the customer through a predetermined financial product subscription interface on the overseas mutual fund subscription system shown in FIG. And a component corresponding to at least one or more means and / or functional configurations for generating a predetermined foreign mutual fund subscription application electronic document and storing the electronic document in a predetermined electronic document repository corresponding to the "international mutual fund subscription server 100". ) "

Referring to FIG. 1 according to an embodiment of the present invention, an overseas mutual fund subscription system for automatic foreign currency hedging through simultaneous signing of the foreign mutual fund and a futures exchange transaction is provided at at least one financial institution branch (or branch). And a terminal device 190 including a terminal. The terminal device 190 includes an overseas mutual fund subscription server 100 provided on the overseas mutual fund subscription system through a predetermined financial network. The communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund, and a window provided at the financial institution branch branch (branch branch). Application for joining a predetermined foreign mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund through (or through a teller) (e.g., at least A document with a form for filling in one or more information items), wherein the customer is to seal the customer's seal for legal basis for the foreign mutual fund subscription application.

Subsequently, when the customer submits the completed overseas mutual fund subscription application to the counter employee, the counter staff scans the overseas mutual fund subscription application through a predetermined image acquisition device to acquire predetermined image contents, and predetermined counter Overseas mutual fund subscription application including at least one image content acquired in response to the overseas mutual fund subscription application through the terminal, customer information written in the overseas mutual fund subscription application, foreign mutual fund attribute information, forward exchange transaction information Information is inputted (or selected), and in response, the counter terminal transmits the image content and the overseas mutual fund subscription application information to the overseas mutual fund subscription system through the financial network. It is desirable to send to.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the foreign mutual fund subscription server 100 connected to the window terminal is on the predetermined financial system It is preferable to include a server (eg, ledger server, etc.) provided, the financial network connecting the teller terminal and the overseas mutual fund subscription server 100 is between the teller terminal and the overseas mutual fund subscription server 100 It is preferable to include a conventional network connecting the communication channels.

In the overseas mutual fund subscription system as described above, an image acquisition device for acquiring image contents corresponding to an overseas mutual fund subscription application prepared by the customer, a counter terminal used by the employee, the counter terminal and the overseas mutual fund subscription The financial network connecting the server 100 performs a function of a financial product subscription interface for registering the foreign mutual fund subscription application information for the customer to automatically hedge the foreign mutual fund through the simultaneous signing of a futures exchange transaction.

The storage medium 185 provided on the overseas mutual fund subscription system according to the present invention includes the customer information and the future exchange transaction contract information and the financial information included in the overseas mutual fund subscription application information provided from the terminal device 190. And storing foreign mutual fund subscription information including at least one product operation information and financial account information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and periods of entry.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is preferable to comprise.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to an embodiment of the present invention, the storage medium 185 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or linked with the overseas mutual fund subscription system). When the storage medium 185 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 185 is provided with (or associated with) an international banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The overseas mutual fund subscription server 100 provided on the overseas mutual fund subscription system according to the present invention is a generic term for the components of the overseas mutual fund subscription system side connected to the terminal device 190 through a predetermined financial network. 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 an embodiment of the present invention, when the terminal device 190 is a window terminal connected to a predetermined financial network, the overseas mutual fund subscription server 100 is connected to the window terminal through a predetermined financial network. It may be a ledger server provided on, and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system, whereby the present invention is limited. Not.

According to an embodiment of the present invention, the overseas mutual fund subscription server 100 includes an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 190 through the financial network. It is done.

According to an embodiment of the present invention, when the terminal device 190 is a window terminal that is connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the overseas mutual fund subscription server 100 connects a predetermined communication channel to the overseas mutual fund subscription server 100 through the interface unit 105. Acquiring image contents corresponding to the overseas mutual fund subscription application prepared by the customer through a predetermined image acquisition device provided in the terminal device 190 for automatic currency hedging through simultaneous foreign exchange with the foreign mutual fund; Generate (or extract) at least one user interface for inputting (or selecting) overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application to be transmitted to the overseas mutual fund subscription server 100, and An interface providing the terminal device 190 with the generated (or extracted) user interface in connection with the interface unit 105. When the face providing unit 110 and the terminal device 190 input (or select) foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application through the user interface, the interface unit 105 is transmitted. Information receiving unit 115 for receiving the foreign mutual fund subscription application information transmitted from the terminal device 190 and the image obtaining apparatus based on the user interface in the terminal device 190. When the image content corresponding to the overseas mutual fund subscription application prepared by the customer is obtained and transmitted, the image receiving unit 120 receives the image content corresponding to the overseas mutual fund subscription application in conjunction with the interface unit 105. Characterized in that made.

The interface provider 110 connects a predetermined communication channel with the overseas mutual fund subscription server 100 through the interface unit 105, and then the overseas mutual fund subscription server 100. When requesting a user interface for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund, the customer corresponds to an overseas mutual fund subscription application made by the customer through a predetermined image acquisition device provided in the terminal device 190. At least one or more to obtain the image content, and to input (or select) the foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application to transmit to the overseas mutual fund subscription server 100 through the financial network Create a user interface and / or extract from a predetermined database (not shown) It is characterized in that it provides the user interface generated (or extracted) to the terminal device 190 through the financial network in conjunction with the ES unit 105.

According to another exemplary embodiment of the present invention, the terminal device 190 acquires image contents corresponding to the overseas mutual fund subscription application prepared by the customer through a predetermined image acquisition device, and overseas corresponding to the overseas mutual fund subscription application. When a predetermined information registration program having at least one user interface for inputting (or selecting) mutual fund subscription application information and transmitting the mutual fund subscription information to the overseas mutual fund subscription server 100 is provided, As described above, image content corresponding to the overseas mutual fund subscription application prepared by the customer is acquired through a predetermined image acquisition device, and the foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application is input (or selected). Use to send to mutual fund subscription server 100 Creating an interface (or extraction) to the user terminal and the interface providing unit 110 is mubang be omitted to provide a device 190, to which the present invention is not limited.

Thereafter, the terminal device 190 inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information through the user interface. The overseas mutual fund subscription application information input (or selected) is transmitted to the overseas mutual fund subscription server 100 through the financial network. In response, the information receiving unit 115 is connected to the interface unit 105. Characterized in that for receiving the foreign mutual fund subscription application information transmitted from the terminal device (190).

In addition, the terminal device 190 obtains the image content corresponding to the overseas mutual fund subscription application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network The image receiving unit 120 receives the image content corresponding to the overseas mutual fund subscription application in connection with the interface unit 105. do.

According to another exemplary embodiment of the present invention, the terminal device 190 acquires image content corresponding to the overseas mutual fund subscription application prepared by the customer through a predetermined image acquisition device, and is provided in the terminal device 190. When the terminal device 190 is previously stored in a predetermined storage device (or associated), the terminal device 190 corresponds to an overseas mutual fund subscription application created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select the image content to be transmitted to the overseas mutual fund subscription server 100 through the financial network, in response to the image receiving unit 120 in conjunction with the interface unit 105 to the foreign mutual fund subscription application It is desirable to receive the corresponding image content.

According to another exemplary embodiment of the present invention, the image device corresponding to the overseas mutual fund subscription application written by the customer through the user interface in the terminal device 190 and the overseas mutual fund subscription corresponding to the overseas mutual fund subscription application When the application information is transmitted together, the information receiver 115 may receive the image content corresponding to the overseas mutual fund subscription application and the overseas mutual fund subscription application information together with the interface unit 105 (for example, In addition, the image receiving unit 120 is integrated into the information receiving unit 115 and operated), by which the present invention is not limited.

Referring to FIG. 1, the overseas mutual fund subscription server 100 receives the overseas mutual fund subscription application information transmitted from the terminal device 190 through the information receiving unit 115, and receives the received overseas mutual fund. The subscription application information is characterized in that it comprises a validity check unit 125 to determine whether the validity for the automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription information is at least one matched with the foreign mutual fund subscription application information on the ledger D / B on the financial system linked to the foreign mutual fund subscription system It is preferable to include checking whether the above ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferable to include checking whether the customer ledger is stored in the ledger D / B on the financial system.

Referring to FIG. 1, the overseas mutual fund subscription server 100 receives the image content transmitted from the terminal device 190 through the image receiving unit 120, and through the validity checking unit 125. When the validity of the overseas mutual fund subscription application information is authenticated, a fund electronic document generation unit 130 for generating a predetermined overseas mutual fund subscription application electronic document including the received image content, and the generated overseas mutual fund subscription It is characterized in that it comprises a fund electronic document transmission unit 132 for transmitting the application electronic document to the electronic document repository associated with the overseas mutual fund subscription system.

The fund electronic document generation unit 130 may generate an overseas mutual fund subscription application electronic document including the image content received from the terminal device 190 through the image receiving unit 120.

According to one embodiment of the present invention, the fund electronic document generation unit 130 is an overseas mutual fund as the image file including the image content received from the terminal device 190 through the image receiving unit 120 as it is It is advisable to process an electronic document for overseas mutual fund joining for automatic currency hedging through simultaneous signing of futures and forward exchange transactions.

Alternatively, the fund electronic document generation unit 130 may apply to the overseas mutual fund subscription information received through the information receiving unit 115 to the image content received from the terminal device 190 through the image receiving unit 120. Automatically through the simultaneous signing of a futures exchange transaction with an overseas mutual fund, an image file corresponding to an image content including at least one of included customer information, overseas mutual fund attribute information, and futures exchange transaction agreement information by watermarking It is desirable to create an electronic document for signing up for a foreign mutual fund for currency hedging.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 130 includes a predetermined document file (eg, the image content received from the terminal device 190 through the image receiving unit 120). Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, or a web document file including an MHT; It is desirable to create an electronic document for signing up for foreign mutual funds for automatic currency hedging through simultaneous signing of funds and futures exchange transactions.

Alternatively, the fund electronic document generation unit 130 may apply to the overseas mutual fund subscription information received through the information receiving unit 115 to the image content received from the terminal device 190 through the image receiving unit 120. Generates image content including at least one or more of the included customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information by a watermarking method, and includes a predetermined document file including the generated image content (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for signing up for overseas mutual funds for automatic currency hedging through simultaneous signing of funds and futures exchange transactions. It is right.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 130 receives the image contents and the information receiving unit 115 received from the terminal device 190 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one received foreign mutual fund subscription application information. , Or a web document file including MHT), it is preferable to generate an overseas mutual fund subscription electronic document for automatic currency hedge through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the fund electronic document generation unit 130 may apply to the overseas mutual fund subscription information received through the information receiving unit 115 to the image content received from the terminal device 190 through the image receiving unit 120. Generate image content including at least one or more of the included customer information, overseas mutual fund attribute information, and future exchange transaction agreement information by watermarking, and generates the generated image content and the foreign mutual fund subscription information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Overseas mutual funds for automatic currency hedging through simultaneous signing of futures exchange transactions with the overseas mutual funds. It is desirable to create a mouth electronic application documents.

Those skilled in the art to which the present invention pertains, the fund electronic document generation unit 130 and the technical features of generating an electronic document for foreign mutual fund subscription in the form of an image file and / or a predetermined document file and Since the technical features of the file format of the image file and / or the document file corresponding to the foreign mutual fund subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

The fund electronic document transmission unit 132 transmits and stores the overseas mutual fund subscription application electronic document generated by the fund electronic document generation unit 130 to a predetermined electronic document repository associated with the overseas mutual fund subscription system. Characterized in that.

As shown in FIG. 1, the electronic document repository is connected to the foreign mutual fund subscription server 100 on the overseas mutual fund subscription system 100 through a predetermined communication means, and the electronic document server 160 and the electronic document D /. When provided externally, including the B 180, the fund electronic document transmission unit 132 is the foreign electronic fund subscription request electronic document generated by the fund electronic document generation unit 130 through the communication means Characterized in that the transmission to the electronic document server (160).

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the foreign mutual fund subscription system, the electronic document server 160 and the electronic document D / B 180 It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the fund electronic document transmitting unit 132 is generated by the fund electronic document generating unit 130. It is possible to store the generated foreign mutual fund subscription application electronic document in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, whereby the present invention is not limited. No.

According to the method of the present invention, the fund electronic document transmission unit 132 is electronic document-related information for generating a predetermined electronic document management information in the electronic document server 160 (eg, overseas corresponding to the image content) Customer information for filling out a mutual fund subscription application, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document, and / or electronic document file format information, and / or the foreign mutual fund subscription application information, etc.). It is possible to transmit to the electronic document storage, including, thereby the present invention is not limited.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives a foreign currency subscription application information received through the information receiving unit 115 through a validity checking unit 125 and a future exchange transaction with the overseas mutual fund. When the validity for the automatic currency hedging through the conclusion is authenticated, the foreign mutual fund corresponding to the overseas mutual fund is based on the customer information, the foreign mutual fund attribute information, and the forward exchange transaction information included in the validity of the overseas mutual fund subscription application information. The financial product operation information based on the information generation unit 135 for generating predetermined financial product operation information, and the customer information, foreign mutual fund attribute information, and forward exchange transaction information included in the overseas mutual fund subscription application information; It is provided with a financial account processing unit 140 for opening and processing the financial account of the customer name including a And that is characterized.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirming unit 125, the information generation unit 135 includes customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, And generating predetermined financial instrument operation information corresponding to the foreign mutual fund based on the forward exchange transaction agreement information.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the information generator 135 may include customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, and future exchange transactions. Based on the agreement information, it is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the information generating unit 135 may include customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, Deposit information (or savings information) corresponding to the foreign mutual fund based on the forward exchange transaction agreement information (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage), subscription period, etc. It is preferable to create a deposit (or savings) attribute, including).

The financial account processing unit 140 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information, the foreign mutual It is characterized by opening a predetermined financial account for automatic currency hedging through the simultaneous signing of funds and futures exchange transactions.

According to an embodiment of the present invention, when the foreign mutual fund subscription server 100 and the financial system exist in the same system, the financial account processing unit 140 is linked to the financial system in the ledger D / B. It is preferable to generate a predetermined ledger containing product management information.

According to another exemplary embodiment of the present invention, when the overseas mutual fund subscription server 100 and the financial system exist on another system connected through a predetermined communication means, the financial account processor 140 may provide a predetermined communication means. It is preferable to request a ledger D / B on the other financial system to create a predetermined ledger including the financial product operation information through the external system on the financial system.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives a foreign currency subscription application information received through the information receiving unit 115 through a validity checking unit 125 and a future exchange transaction with the overseas mutual fund. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 135 included in the validity of the foreign mutual fund subscription information And a fund information storage unit 145 for storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processing unit 140 in a predetermined storage medium 185. It features.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirmation unit 125, the fund information storage unit 145 stores the customer information and the forward exchange transaction contract information included in the overseas mutual fund subscription application information. Characterized in that the storage medium 185 is stored in the foreign mutual fund subscription information including at least one.

The fund information storage unit 145 may further include the generated financial product operation information in the overseas mutual fund subscription information when the financial product operation information generated by the information generation unit 135 is generated. The storage medium 185 is preferably stored.

In addition, the fund information storage unit 145, when the financial account including the financial product operation information is opened in the ledger D / B on the financial system, the financial account information is added to the foreign mutual fund subscription information It is preferable to store in the storage medium 185, including.

According to an embodiment of the present invention, when the storage medium 185 is provided in the overseas mutual fund subscription server 100 or on a network associated with the overseas mutual fund subscription server 100, the fund information. The storage unit 145 stores the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, the financial product operation information, and the financial account information included in the received overseas mutual fund subscription application information. It is desirable to store in the medium 185.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in a DBMS provided on a financial system, the fund information storage unit 145 may include the received foreign mutual fund subscription application information. Foreign mutual fund subscription information including customer information, futures exchange contract information, and at least one financial product operation information and financial account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. It is desirable to.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives a foreign currency subscription application information received through the information receiving unit 115 through a validity checking unit 125 and a future exchange transaction with the overseas mutual fund. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 135 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and financial account information generated by the financial account processor 140 in a predetermined storage medium 185. In connection with the storage unit 145, a forward exchange subscription for simultaneously entering a forward exchange transaction in response to overseas mutual fund subscription information is performed. The futures exchange process automatically quotes the exchange rate, and processes the futures exchange transaction application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information to automatically conclude a futures exchange transaction contract in response to the automatically quoted exchange rate. It is characterized by comprising a transaction contract processing unit 147.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system linked to the overseas mutual fund subscription system in response to the customer It is preferable to comprise as mentioned above.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining the product, foreign mutual funds are invested in foreign currency rather than domestic currency. Therefore, in order to hedge the exchange risk due to exchange rate difference between the foreign currency and domestic currency, when joining the overseas mutual fund, It is desirable to include cost information for futures exchange contracts that correspond to transaction costs.

The future exchange transaction contract processing unit 147 is for the automatic currency hedge through the foreign mutual fund subscription application information received through the information receiving unit 115 through the validity verification unit 125 through the simultaneous signing of the foreign mutual fund and the future exchange transaction If the validity is authenticated, the financial information management information and the financial account processing unit generated by the customer information and the forward exchange transaction contract information and the information generation unit 135 included in the overseas mutual fund subscription application information whose validity is authenticated ( When the foreign mutual fund subscription information including at least one or more financial account information generated by 140 is stored in a predetermined storage medium 185, the foreign mutual fund subscription information is linked to the fund information storage unit 145 for storing the foreign mutual fund subscription information. Quotation of exchange rates for futures exchange signings to simultaneously close futures exchanges in response to overseas mutual fund subscriptions And processing the forward exchange transaction contract application information including at least one of customer information, forward exchange transaction attribute information, and transaction cost information to automatically conclude a forward exchange transaction contract in response to the automatically quoted exchange rate.

According to the present invention, the future exchange transaction contract processing unit 147 is the foreign mutual fund subscription application information received through the information receiving unit 115 through the validity verification unit 125 through the foreign mutual fund and the future exchange transaction at the same time When the validity for automatic currency hedging through the authentication is authenticated, the customer information included in the overseas mutual fund subscription application information for which the validity is verified, the forward exchange transaction contract information, and the financial product operation information generated by the information generation unit 135; A fund information storage unit for storing the foreign mutual fund subscription information including at least one or more financial account information generated by the financial account processor 140 in a predetermined storage medium 185, and stores the foreign mutual fund subscription information. In connection with (145), in order to simultaneously enter forward exchange transactions in response to overseas mutual fund subscription information, In order to automatically quote exchange rates, and to automatically conclude a futures exchange contract in response to the automatically quoted exchange rate, it is preferable to process the futures exchange contract application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information. Do.

The exchange rate automatic quoting is preferably determined by reflecting the interest rate difference between the domestic currency and the foreign currency at a predetermined spot exchange rate.

For example, if the spot exchange rate is $ 10,000 in the current market, if the dollar rate is higher than the won rate, the futures exchange rate will be lower than 1000 won.

Referring to FIG. 1, the overseas mutual fund subscription server 100 is provided by the future exchange transaction contract processing unit 147 in connection with the future exchange transaction contract processing unit 147 through the future exchange transaction contract processing unit 147. A forward exchange electronic document generation unit 155 for generating a predetermined forward exchange transaction contract application electronic document including information, a forward exchange transaction contract attribute information, and at least one transaction cost information; It is characterized in that it comprises a forward exchange electronic document transmission unit 157 for transmitting a transaction contract application electronic document to the electronic document storage associated with the foreign mutual fund subscription system.

The forward exchange electronic document generation unit 155 is connected to the forward exchange transaction contract processing unit 147 through the forward exchange transaction contract processing unit 147, and the customer information provided by the forward exchange transaction contract processing unit 147 and the forward exchange transaction contract attribute information. In addition, it is characterized in that for generating a predetermined future exchange transaction contract application electronic document including the future exchange transaction contract application information including at least one transaction cost information.

According to an exemplary embodiment of the present invention, the forward exchange electronic document generation unit 155 may store customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including an MHT) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedge through simultaneous signing of a forward exchange transaction with the foreign mutual fund.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. And generating at least one or more of the customer information, the future exchange transaction contract attribute information, and the transaction cost information included in the futures exchange transaction contract application information in the document content by a watermarking method, and then including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing the document content, or a web document including the MHT. Application for forward exchange transaction contract for automatic currency hedging through simultaneous signing of forward exchange with foreign mutual funds. It is preferable to process it as an electronic document.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. And an automatic currency hedging through simultaneous signing of a futures transaction with the overseas mutual fund of an image file including image content (eg, image content generated by capturing the document content in a memory) which captured the document content It is advisable to process the forward exchange transaction contract application for electronic documents.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content in memory), and the future exchange transaction contract attribute information; After including at least one of the transaction cost information by watermarking (Watermarking) method, forward exchange transaction for automatic currency hedging through simultaneous signing a futures exchange transaction with the overseas mutual fund an image file including the image content including the watermarking It is advisable to process the contract electronically.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 155 may include customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiver 115. A predetermined document file (eg, PDF) that generates document content including at least one of and includes image content (eg, image content generated by capturing the document content in memory). (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). It is preferable to process the electronic exchange of the forward exchange transaction contract for automatic exchange hedging through simultaneous execution of forward exchange transactions.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content in memory), and the future exchange transaction contract attribute information; Generate image content including at least one or more of the transaction cost information in a watermarking manner, and include a document file (eg, a PDF (Portable Document Format) file, or EDI) that includes the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one, such as HWP / DOC, It is preferable that the process by creating a web page file, etc.), including the MHT, forward exchange contracts to apply for an electronic document automatically hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 155 may include customer information, forward exchange transaction contract attribute information, and transaction cost included in the forward exchange transaction contract application information received through the information receiver 115. Generating document content including at least one information, and including image content (eg, image content generated by capturing the document content in memory) and the forward exchange transaction contract application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By creating a forward exchange transaction contract application for automatic currency hedging through the simultaneous conclusion of a forward exchange transaction with the foreign mutual fund It is desirable to treat each other.

Alternatively, the forward exchange electronic document generation unit 155 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 115. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content in memory), and the future exchange transaction contract attribute information; A document file (eg, PDF (Portable) is generated that generates image content including at least one or more information of transaction cost information by a watermarking method, and includes the watermarking image content and the forward exchange transaction contract application information. At least one of a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC. By creating a web document files, etc.) that includes a word processor file or MHT containing phase, it is desirable to process electronic documents into forward exchange contracts apply for auto hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

Those skilled in the art to which the present invention pertains, the technical features that the future exchange electronic document generation unit 155 generates a future exchange transaction contract application electronic document in the image file format and / or a predetermined document file format, Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the forward exchange transaction contract application electronic document, a detailed description thereof will be omitted for convenience.

The forward exchange electronic document transmission unit 157 transmits and stores the forward exchange transaction contract application electronic document generated by the forward exchange electronic document generation unit 155 to a predetermined electronic document repository associated with the overseas mutual fund subscription system. It is characterized by.

As shown in FIG. 1, the electronic document repository is connected to the foreign mutual fund subscription server 100 on the overseas mutual fund subscription system 100 through a predetermined communication means, and the electronic document server 160 and the electronic document D /. When provided externally, including B 180, the forward exchange electronic document transmission unit 157 transmits the forward exchange transaction contract application electronic document generated by the electronic document generation unit through the communication means to the electronic document server. Characterized in that the transmission to (160).

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the foreign mutual fund subscription system, the electronic document server 160 and the electronic document D / B 180 It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the forward exchange electronic document transmission unit 157 is the forward exchange generated by the electronic document generation unit. It is possible to store the transaction contract application electronic document in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, thereby the present invention is not limited.

According to an embodiment of the present invention, the forward exchange electronic document transmission unit 157 may transmit the electronic document related information (for example, the forward exchange transaction contract application information) to generate predetermined electronic document management information in the electronic document server 160. Customer information transmitted by input (selection), and / or financial institution information transmitting the forward exchange transaction request electronic document, and / or electronic document file format information, and / or the future exchange transaction contract application information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 1, the overseas mutual fund subscription server 100 simultaneously receives a foreign currency subscription application information received through the information receiving unit 115 through a validity checking unit 125 and a future exchange transaction with the overseas mutual fund. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 135 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and financial account information generated by the financial account processor 140 in a predetermined storage medium 185. In connection with the storage unit 145, a forward exchange subscription for simultaneously entering a forward exchange transaction in response to overseas mutual fund subscription information is performed. The futures exchange process automatically quotes the exchange rate, and processes the futures exchange transaction application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information to automatically conclude a futures exchange transaction contract in response to the automatically quoted exchange rate. A forward exchange information storage unit 159 for storing a forward exchange transaction contract information in the storage medium 185 in association with the customer information included in the overseas mutual fund subscription application information that is validated in association with the transaction contract processing unit 147. It characterized by comprising a.

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the overseas mutual fund subscription server 100 or on the network associated with the overseas mutual fund subscription server 100, the forward exchange information The storage unit 159 stores the future exchange transaction contract information in the storage medium 185 in association with the customer information included in the received foreign mutual fund subscription application information.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in a DBMS provided on a financial system, the information storage unit may be connected to the customer information included in the received foreign mutual fund subscription application information. It is preferable to provide the forward exchange transaction contract information to the information system through the external system on the financial system and store it in a DBMS provided on the financial system.

Referring to Figure 1, the overseas mutual fund subscription server 100 is a futures exchange transaction contract in connection with the information of the foreign mutual funds subscription confirmation and the foreign mutual fund subscription application information written for the foreign mutual fund subscription confirmation In order to issue a confirmation, a contract confirmation issuing processing unit 150 is provided for providing confirmation issuance information to the contract confirmation issuing processing device in connection with a predetermined contract confirmation issuing processing device.

The contract confirmation issuance processing unit 150 is configured to issue a forward exchange transaction contract confirmation in connection with the information on the foreign mutual fund subscription confirmation and the foreign exchange fund subscription application information included in the foreign mutual fund subscription application information prepared for joining the overseas mutual fund. In connection with the contract confirmation issuing processing device, it is characterized in that to provide the certificate issuing information to the contract confirmation issuing processing device.

According to the present invention, the contract confirmation issuance processing unit 150 issues a futures exchange contract confirmation in association with the information on the foreign mutual fund subscription confirmation and the foreign exchange fund subscription information included in the foreign mutual fund subscription application information prepared for the overseas mutual fund subscription. In order to provide a certificate issuance information to the contract confirmation issuance processing device in connection with a predetermined contract confirmation issuing processing device.

Referring to FIG. 1, a predetermined overseas mutual fund subscription application electronic document is received from the overseas mutual fund subscription server 100 provided on the overseas mutual fund subscription system and stored in a predetermined electronic document D / B 180. And the electronic document server 160, the electronic document receiving unit 165 for receiving a predetermined overseas mutual fund subscription application electronic document from the overseas mutual fund subscription server 100 through a predetermined communication means, and the received An information generation unit 170 for generating predetermined electronic document management information for storing and managing an overseas mutual fund subscription electronic document in the electronic document D / B 180, the electronic document management information, and the overseas mutual fund And an electronic document storage unit 175 configured to link and process the subscription application electronic document and store it in the predetermined electronic document D / B 180.

In addition, an electronic document that receives a predetermined future exchange transaction contract application electronic document from the foreign mutual fund subscription server 100 provided on the foreign mutual fund subscription system and stores and manages the electronic document D / B 180 in a predetermined electronic document D / B 180. The server 160 includes an electronic document receiving unit 165 for receiving a predetermined forward exchange transaction contract application electronic document from the overseas mutual fund subscription server 100 through a predetermined communication means, and the received forward exchange transaction application electronic document. The information generating unit 170 for generating predetermined electronic document management information for storing and managing the electronic document in the electronic document D / B 180, and the electronic document management information and the future exchange transaction application electronic document. The electronic document storage unit 175 stores the predetermined electronic document D / B 180.

The electronic document receiving unit 165 may receive an overseas mutual fund subscription application electronic document in the form of an image file and / or a document file from the overseas mutual fund subscription server 100 through the communication means.

In addition, the electronic document receiving unit 165 is characterized in that for receiving the future exchange transaction contract application electronic document in the form of an image file and / or document file from the overseas mutual fund subscription server 100 through the communication means.

According to the exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means is received by the overseas mutual fund subscription server 100 from the terminal device 190. It is preferable that the image file including the received image content is included as it is.

Alternatively, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means is included in the image content received by the overseas mutual fund subscription server 100 from the terminal device 190. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information included in the mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method (Watermarking method). .

In addition, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means is that the overseas mutual fund subscription server 100 comprises an image file containing the future exchange transaction contract application information as it is. desirable.

Alternatively, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means, the foreign mutual fund subscription server 100, the customer information included in the future exchange transaction contract application information, future exchange transaction contract attributes It is preferable to include an image file corresponding to the image content including at least one or more information of the information, transaction cost information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means is received by the overseas mutual fund subscription server 100 from the terminal device 190. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means may include the overseas mutual fund on the image content received by the overseas mutual fund subscription server 100 from the terminal device 190. A predetermined document file (eg, PDF (Portable) including image contents including at least one or more of the customer information included in the fund subscription application information, the foreign mutual fund attribute information, and the future exchange transaction information in a watermarking manner. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

In addition, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means is a predetermined document file (for example, PDF) that the foreign mutual fund subscription server 100 contains the future exchange transaction contract application information (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

Alternatively, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means, the foreign mutual fund subscription server 100, the customer information included in the future exchange transaction contract application information, future exchange transaction contract attributes A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing image content including at least one of information and transaction cost information in a watermarking manner, or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

According to another embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means, the overseas mutual fund subscription server 100 is the terminal device 190 At least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content received from the foreign mutual fund subscription application information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 165 through the communication means may include the overseas mutual fund on the image content received by the overseas mutual fund subscription server 100 from the terminal device 190. Image content including at least one or more of the customer information included in the fund subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information by a watermarking method and a predetermined information including the foreign mutual fund subscription application information A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

In addition, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means is a predetermined document file (for example, the foreign mutual fund subscription server 100 containing the future exchange transaction contract application information) A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the electronic document receiving unit 165, the future exchange transaction contract application electronic document received through the communication means, the foreign mutual fund subscription server 100, the customer information included in the future exchange transaction contract application information, future exchange transaction contract attributes Image content including at least one of information and transaction cost information in a watermarking manner, and a predetermined document file (for example, a Portable Document Format (PDF) file or EDI ( Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the overseas mutual fund subscription application electronic document received through the electronic document receiving unit 165, and the electronic document receiving unit 165 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the foreign mutual fund subscription application electronic document was stored) when the foreign mutual fund subscription electronic document was received. It features.

In addition, the information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the forward exchange transaction contract application electronic document received through the electronic document receiving unit 165, and the electronic document receiving unit 165 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the forward exchange transaction request electronic document was stored) when the forward exchange transaction request electronic document was received. It features.

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the overseas mutual fund subscription server 100 that has transmitted the foreign mutual fund subscription application electronic document received through the electronic document receiving unit 165. It is preferable to identify a financial institution that has sent the overseas mutual fund subscription electronic document, and to generate electronic document management information further including the confirmed financial institution information.

In addition, the information generating unit 170 refers to the foreign mutual fund subscription server 100 that has transmitted the forward exchange transaction contract application electronic document received through the electronic document receiving unit 165 to convert the forward exchange transaction contract application electronic document. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 165 further receives a predetermined electronic document-related information from the overseas mutual fund subscription server 100, the information generating unit 170 is the Received electronic document-related information (e.g., customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document, and / or electronic document file); Format information, and / or the foreign mutual fund subscription application information).

In addition, when predetermined electronic document related information is further received from the overseas mutual fund subscription server 100 through the electronic document receiving unit 165, the information generating unit 170 may receive the received electronic document related information (eg, Customer information in which an overseas mutual fund subscription application corresponding to the image contents is prepared, and / or financial institution information transmitting the future exchange transaction request electronic document, and / or electronic document file format information, and / or the future exchange transaction contract. It is preferable to generate the electronic document management information further including the application information).

The electronic document storage unit 175 associates the electronic document management information generated through the information generating unit 170 with the foreign mutual fund subscription request electronic document received through the electronic document receiving unit 165 to provide a predetermined electronic content. The document D / B 180 may be stored.

In addition, the electronic document storage unit 175 associates a forward exchange transaction contract application electronic document received through the electronic document receiving unit 165 with electronic document management information generated through the information generating unit 170 to perform a predetermined process. Characterized in that stored in the electronic document D / B (180).

According to an exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the overseas mutual fund subscription server 100 by the terminal. It is preferable that the image file including the image content received from the device 190 is included as it is.

Alternatively, an overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the overseas mutual fund subscription server 100 from the terminal device 190. The image content includes an image file corresponding to the image contents including at least one or more of the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, and the futures exchange transaction information by watermarking. It is preferable to comprise.

In addition, the electronic document storage unit 175 is stored in the electronic document D / B 180, the future exchange transaction contract application electronic document is the image received by the overseas mutual fund subscription server 100 from the terminal device 190 It is preferable that the image file including the content is included as it is.

Alternatively, the future exchange transaction contract application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the foreign mutual fund subscription server 100 included in the future exchange transaction contract application information. It is preferable to include an image file corresponding to an image content including at least one or more information of customer information, forward exchange transaction contract attribute information, and transaction cost information in a watermarking manner.

According to another exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the overseas mutual fund subscription server 100. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content received from the terminal device 190. File, or a web document file including MHT).

Alternatively, an overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the overseas mutual fund subscription server 100 from the terminal device 190. A predetermined document file including image contents including at least one or more information of customer information included in the overseas mutual fund subscription application information, overseas mutual fund attribute information, and forward exchange transaction agreement information in a watermarking method. Such as, for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is desirable to lose.

In addition, the electronic document storage unit 175 stores the future exchange transaction contract application electronic document stored in the electronic document D / B 180, the foreign mutual fund subscription server 100 includes a predetermined amount of the future exchange transaction contract application information A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, the future exchange transaction contract application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the customer in which the foreign mutual fund subscription server 100 is included in the future exchange transaction contract application information. A predetermined document file (eg, a Portable Document Format (PDF) file, or an EDI (Electronic) file including image content including at least one of information, forward exchange transaction attribute information, and transaction cost information in a watermarking manner). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the overseas mutual fund subscription server 100. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) including image content received from the terminal device 190 and the foreign mutual fund subscription application information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, an overseas mutual fund subscription application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the overseas mutual fund subscription server 100 from the terminal device 190. Image contents including at least one or more of the customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method and the overseas mutual fund subscription application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

The electronic document storage unit 175 stores a futures exchange transaction contract application electronic document stored in the electronic document D / B 180, wherein the foreign mutual fund subscription server 100 includes the futures exchange contract application information. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the future exchange transaction contract application electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the customer in which the foreign mutual fund subscription server 100 is included in the future exchange transaction contract application information. Image content including at least one of information, forward exchange transaction contract attribute information, and transaction cost information in a watermarking manner, and a predetermined document file (eg, PDF (Portable Document Format) including the forward exchange transaction contract application information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the overseas mutual fund subscription application electronic document, the international mutual It is preferable that a predetermined electronic document unique number (or unique information) assigned to the fund subscription application electronic document and the electronic document storage date and time information are included.

In addition, the electronic document management information that the electronic document storage unit 175 processes in association with the future exchange transaction contract application electronic document and stores in the electronic document D / B 180 is allocated to the first exchange transaction contract application electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the overseas mutual fund subscription application electronic document is stored in the overseas document. Preferably, the financial institution further includes information on a financial institution that transmits the foreign mutual fund subscription application electronic document, which has been identified with reference to the overseas mutual fund subscription server 100 that transmits the mutual fund subscription application electronic document.

In addition, the electronic document management information stored in the electronic document D / B 180 by linking the electronic document storage unit 175 with the forward exchange transaction contract application electronic document, transmits the forward exchange transaction contract application electronic document. Preferably, the financial institution further includes information on a financial institution that transmits the forward exchange transaction contract application electronic document identified with reference to the overseas mutual fund subscription server 100.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 100, the electronic document storage unit 175 is connected to the foreign mutual fund subscription application electronic document. The electronic document management information stored in the electronic document D / B 180 in association with each other may include the received electronic document related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or Financial institution information, and / or electronic document file format information, and / or the foreign mutual fund subscription application information, etc. for transmitting the foreign mutual fund subscription electronic document.

In addition, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 100, the electronic document storage unit 175 processes the electronic document D / B in association with the future exchange transaction application electronic document. The electronic document management information stored in the 180 may include the received electronic document related information (for example, customer information included in the forward exchange transaction contract application information, and / or financial institution information for transmitting the forward exchange transaction contract application electronic document. , And / or electronic document file format information, and / or the forward exchange transaction contract application information, etc.).

2 is a diagram illustrating an implementation method in which a storage medium 185 for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention. .

In more detail, FIG. 2 illustrates a case in which the storage medium 185 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system or the ledger D / B 200. As the information structure for one embodiment of the foreign mutual fund subscription information is stored in the ledger information provided in the ledger D / B (200), if the person of ordinary skill in the art While referring to and / or modifying FIG. 2, various information construction methods for storing the foreign mutual fund subscription information in the ledger D / B 200 may be inferred, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG. 2 only.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and The account ledger corresponding to the financial product subscribed through the illustrated overseas mutual fund subscription system and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention belongs. If, the ledger D / B (200) provided in the DBMS on the financial system has at least one ledger (for example, ledger, loan ledger, mortgage ledger, etc.) in addition to the customer ledger and account ledger shown in FIG. And / or further includes at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodic reception information including at least one or more of an extension period, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the storage medium 185 is the ledger D / B 200 or the present invention includes an implementation method provided in the ledger D / B 200. Overseas mutual fund subscription including at least one of the customer information and the futures exchange contract information, the financial product operation information, and the financial account information included in the overseas mutual fund subscription application information provided through the overseas mutual fund subscription system shown in FIG. The information is stored in the form of additional information added to the account ledger.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and periods of entry.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is preferable to comprise.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to another embodiment of the present invention, the foreign mutual fund subscription information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). In addition to the form of additional information added to, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

3 is a ledger D / B 300 having a storage medium 305 for storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system. Is a diagram showing an implementation method including a database associated with

In more detail, FIG. 3 illustrates an information structure of an embodiment in which the storage medium 185 illustrated in FIG. 1 includes a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 to include the foreign mutual fund subscription information in a predetermined database with the ledger D / B 300. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the foreign mutual fund subscription information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in the policy of the financial institution, If it is not easy to change the ledger D / B 300, or the system expansion is not easy due to the characteristics of the financial system), the foreign mutual fund subscription information is stored in a predetermined database instead of the ledger D / B 300. And an implementation method of storing the database in association with the ledger D / B 300.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 3, the storage medium 305 includes a database associated with the ledger D / B 300 provided in a DBMS on a financial system. And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the fund subscription application information. Preferably, the foreign mutual fund subscription information further includes a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 300.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and periods of entry.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is preferable to comprise.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

4 is a storage medium 305 for storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a face-to-face manner according to another embodiment of the present invention, including a DBMS provided in the banking server 400. It is a figure which shows the implementation method.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 185 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 400, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. Although it is possible to infer a method of configuring information on foreign mutual fund subscription information stored in a predetermined DBMS provided at 400, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 305 includes a DBMS provided in the banking server 400, a predetermined DBMS provided in the banking server 400 is provided. And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the overseas mutual fund subscription application information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is preferable to comprise.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

5A and 5B illustrate an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal terminal of the overseas mutual fund subscription system shown in FIG. 1 at a financial institution branch (or branch office), and the overseas mutual fund subscription server 100. In the case where)) has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a foreign customer for automatic currency hedging through simultaneous signing of future mutual exchange with a foreign mutual fund If you fill out and submit an overseas mutual fund joining application form that includes at least one of customer information, foreign mutual fund attribute information, and futures exchange agreement information to join a fund, As a system configuration for signing up for an overseas mutual fund. When the foreign mutual fund subscription application is prepared and submitted to the counter, the foreign terminal can acquire predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device at the counter terminal and then receive the foreign mutual fund subscription server (100). ), After inputting (or selecting) the overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application, and transmitting to the overseas mutual fund subscription server 100, the overseas mutual fund subscription server 100 Shows an implementation method of subscribing to the overseas mutual fund based on the application information of the overseas mutual fund subscription including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to transfer the overseas mutual fund subscription information from the counter terminal to the overseas mutual fund subscription server 100. Various implementation methods of registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, although the method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription application and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the implementation method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application is illustrated as being provided from the overseas mutual fund subscription server 100, but the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the overseas mutual fund subscription server 100, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the overseas mutual fund subscription server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, a foreign customer joins an overseas mutual fund including at least one of customer information, foreign mutual fund attribute information, and futures exchange transaction information for automatic currency hedging through simultaneous exchange of an international mutual fund with a future exchange. After completing and submitting the application form, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel, and the foreign mutual fund and the future exchange corresponding to the overseas mutual fund subscription application form. When requesting a user interface for automatic currency hedging through simultaneous transaction (500), the server corresponding to the predetermined image content corresponding to the overseas mutual fund subscription application created by the customer through a predetermined image acquisition device in the terminal A user interface for obtaining and transmitting the It generates (or extracts) (505), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs (510).

Thereafter, the terminal acquires image content corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the overseas mutual fund subscription application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) foreign mutual fund subscription application information including at least one of customer information corresponding to the overseas mutual fund subscription application matching the image content, foreign mutual fund attribute information, and forward exchange transaction agreement information. By generating (or extracting) a user interface for transmitting to the server (530), and transmitting the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information through the user interface (540).

If the foreign mutual fund subscription request information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction information is input (or selected) through the user interface (545), the terminal establishes the financial network. The input (or selection) of the foreign mutual fund subscription application information is transmitted to the server through 550.

Subsequently, the server receives and reads an overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and a forward exchange transaction information through the financial network, thereby receiving the foreign mutual fund subscription application information. Validation is checked (555).

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription information is matched with the foreign mutual fund subscription application information to the ledger D / B 300 on the financial system linked to the overseas mutual fund subscription system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 300 on the financial system.

If the validity of the overseas mutual fund subscription application information is not authenticated (560), the server generates predetermined financial product error information and transmits it to the terminal (565), and corresponds to the foreign mutual fund subscription application information. Do not apply to join an overseas mutual fund.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (560), the server generates a predetermined foreign mutual fund subscription application electronic document including the image content (570).

According to one embodiment of the invention, the server through the image receiving unit 120 through the simultaneous signing of the future mutual exchange with the foreign mutual fund image file including the image content received from the terminal device 190 as it is It is preferable to process the electronic document of the application for overseas mutual fund joining for automatic currency hedging.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. Joining an overseas mutual fund for automatic currency hedging through simultaneous signing of an external mutual fund and a futures exchange transaction with an image file corresponding to an image content including at least one of fund attribute information and forward exchange transaction information by watermarking method It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 190 through the image receiving unit 120. , Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby simultaneously signing a futures exchange transaction with the foreign mutual fund. It is desirable to generate an electronic document for signing up for an overseas mutual fund for automatic currency hedging.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. Generate an image content including at least one or more information of the fund attribute information and the forward exchange transaction agreement by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. Files, or EDI (Electronic Data Interchange) files, word processor files containing at least one or more of HWP / DOC, or web document files including MHT). It is desirable to generate an electronic document for foreign mutual fund subscription for automatic currency hedging.

According to another exemplary embodiment of the present invention, the server requests to join an overseas mutual fund received through the image receiving unit 115 and the image content received from the terminal device 190 through the image receiving unit 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable to generate an overseas mutual fund subscription application electronic document for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. A predetermined document file including image information including at least one or more information of fund attribute information and forward exchange transaction agreements by watermarking, and including the generated image content and the overseas mutual fund subscription application information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Electronic documents for signing up for overseas mutual funds for automatic currency hedging through mutual fund and futures exchange transactions It is desirable to produce.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated foreign mutual fund subscription electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 180 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the overseas mutual fund subscription application electronic document in the electronic document repository may be performed by linking the generated foreign mutual fund subscription application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (180) shown in.

Herein, the electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document. , And / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document storage application electronic document is stored in the electronic document storage (580), the server based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription application information In operation 585, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name Open and process a financial account (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B (300) It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server includes the customer information and the future exchange transaction contract information included in the overseas mutual fund subscription application information, the financial product operation information generated by the information generator 135 and the financial account processor 140. The foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium 185 (595).

According to an exemplary embodiment of the present invention, when the storage medium 305 is provided in the server or on a network associated with the server, the server includes the customer included in the received foreign mutual fund subscription application information. Preferably, the storage medium 305 stores foreign mutual fund subscription information including at least one of information, a forward exchange transaction contract information, and financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generate (or extract) the details of storing the foreign mutual fund subscription information on the storage medium 305 and transmit the generated information to the terminal (599).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another embodiment of the present invention, the storage medium 305 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign mutual fund subscription system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

6A and 6B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show the terminal device on the overseas mutual fund subscription system shown in FIG. 1 as a counter terminal provided at a branch of a financial institution (or a branch), and the overseas mutual fund subscription server 100. In the case where)) has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a foreign customer for automatic currency hedging through simultaneous signing of future mutual exchange with a foreign mutual fund In order to join the fund, a foreign fund holder application form including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction information is prepared and submitted, and the financial institution provides a face-to-face approach based on the foreign mutual fund subscription application form. As a system configuration for signing up for an overseas mutual fund. After completing the overseas mutual fund subscription application form and submitting it to the counter, the overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application is input (or selected) at the counter terminal and the overseas mutual fund subscription server 100 is provided. After transmitting to the foreign mutual fund subscription server 100 by obtaining a predetermined image content corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device, the overseas mutual fund subscription server 100 Shows an implementation method of subscribing to the overseas mutual fund based on the application information of the overseas mutual fund subscription including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to transfer the overseas mutual fund subscription information from the counter terminal to the overseas mutual fund subscription server 100. Various implementation methods of registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription application and storing it in an electronic document storage, the above process is intended to be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the counter terminal acquires predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application is illustrated as being provided from the overseas mutual fund subscription server 100, but the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the overseas mutual fund subscription server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the overseas mutual fund subscription server 100 shown in Figure 1 is referred to as a "server" for convenience, and the window The customer information transmitted from the terminal to the overseas mutual fund subscription server 100, the foreign mutual fund attribute information, and the information on the future exchange transaction are referred to as "overseas mutual fund subscription application information" for convenience.

Referring to FIGS. 6A and 6B, a predetermined customer joins an overseas mutual fund including at least one of customer information, foreign mutual fund attribute information, and futures exchange transaction information for automatic currency hedging through simultaneous exchange of a foreign mutual fund with a foreign exchange fund. After completing and submitting the application form, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel, and the foreign mutual fund and the future exchange corresponding to the overseas mutual fund subscription application form. When requesting a user interface for automatic currency hedging through simultaneous transaction (600), the server corresponding to the customer information, overseas mutual fund attribute information, forward exchange transaction information corresponding to the overseas mutual fund subscription application prepared by the customer Enter the information of the application for joining an overseas mutual fund that includes at least one A user interface for generating (or selecting) a user interface for transmitting to the server is generated (or extracted) (605), and the generated (or extracted) user interface is transmitted to the terminal for output through the financial network (610).

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction agreement information through the user interface (615).

If the foreign mutual fund subscription request information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction information is input (or selected) through the user interface (620), the terminal establishes the financial network. The input (or selection) of the foreign mutual fund subscription application information is transmitted to the server (625).

Subsequently, the server receives and reads an overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and a forward exchange transaction information through the financial network, thereby receiving the foreign mutual fund subscription application information. Validation is checked (630).

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription information is matched with the foreign mutual fund subscription information on the ledger D / B 300 on the financial system associated with the overseas mutual fund subscription system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 300 on the financial system.

If the validity of the overseas mutual fund subscription application information is not authenticated (635), the server generates predetermined financial product error information and transmits it to the terminal (640), and corresponds to the overseas mutual fund subscription application information. Do not apply to join an overseas mutual fund.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (635), the server acquires predetermined image contents corresponding to the overseas mutual fund subscription application written by the customer through a predetermined image acquisition device in the terminal. A user interface for transmitting to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the overseas mutual fund subscription application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

In operation 670, the server receiving the foreign mutual fund subscription request information and the image content from the terminal generates a predetermined foreign mutual fund subscription application electronic document including the image content.

According to one embodiment of the invention, the server through the image receiving unit 120 through the simultaneous signing of the future mutual exchange with the foreign mutual fund image file including the image content received from the terminal device 190 as it is It is preferable to process the electronic document of the application for overseas mutual fund joining for automatic currency hedging.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. Joining an overseas mutual fund for automatic currency hedging through simultaneous signing of an external mutual fund and a futures exchange transaction with an image file corresponding to an image content including at least one of fund attribute information and forward exchange transaction information by watermarking method It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 190 through the image receiving unit 120. , Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby simultaneously signing a futures exchange transaction with the foreign mutual fund. It is desirable to generate an electronic document for signing up for an overseas mutual fund for automatic currency hedging.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. Generate an image content including at least one or more information of the fund attribute information and the forward exchange transaction agreement by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. Files, or EDI (Electronic Data Interchange) files, word processor files containing at least one or more of HWP / DOC, or web document files including MHT). It is desirable to generate an electronic document for foreign mutual fund subscription for automatic currency hedging.

According to another exemplary embodiment of the present invention, the server requests to join an overseas mutual fund received through the image receiving unit 115 and the image content received from the terminal device 190 through the image receiving unit 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable to generate an overseas mutual fund subscription application electronic document for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. A predetermined document file including image information including at least one or more information of fund attribute information and forward exchange transaction agreements by watermarking, and including the generated image content and the overseas mutual fund subscription application information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Electronic documents for signing up for overseas mutual funds for automatic currency hedging through mutual fund and futures exchange transactions It is desirable to produce.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated overseas mutual fund subscription electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 180 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the overseas mutual fund subscription application electronic document in the electronic document repository may be performed by linking the generated foreign mutual fund subscription application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (180) shown in.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document. , And / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server based on the customer information contained in the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information In operation 685, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name Open and process a financial account (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B (300) It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server transmits the customer information and the future exchange transaction contract information included in the overseas mutual fund subscription application information, and the financial product operation information generated by the information generator 135 and the financial account processor 140. The foreign mutual fund subscription information including at least one or more financial account information generated is stored in a predetermined storage medium 185 (695).

According to an exemplary embodiment of the present invention, when the storage medium 305 is provided in the server or on a network associated with the server, the server includes the customer included in the received foreign mutual fund subscription application information. Preferably, the storage medium 305 stores foreign mutual fund subscription information including at least one of information, a forward exchange transaction contract information, and financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generates (or extracts) the details of storing the foreign mutual fund subscription information in the storage medium 305 and transmits the generated information to the terminal (699).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another embodiment of the present invention, the storage medium 305 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign mutual fund subscription system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

7A and 7B are diagrams illustrating an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals provided with a terminal device 190 on a foreign mutual fund subscription system shown in FIG. 1 at a financial institution branch (or a branch), and the overseas mutual fund subscription server 100. In the case where)) has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a foreign customer for automatic currency hedging through simultaneous signing of future mutual exchange with a foreign mutual fund In order to join the fund, a foreign fund holder application form including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction information is prepared and submitted, and the financial institution provides a face-to-face approach based on the foreign mutual fund subscription application form. As a system configuration for signing up for an overseas mutual fund. When an overseas mutual fund subscription application is prepared and submitted to the counter, the counter terminal acquires a predetermined image content corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device, and responds to the overseas mutual fund subscription application. After inputting (or selecting) an overseas mutual fund subscription application information, and transmitting the image content and the overseas mutual fund subscription application information to the overseas mutual fund subscription server 100, the overseas mutual fund subscription server 100 Shows an implementation method of subscribing to the overseas mutual fund based on the application information of the overseas mutual fund subscription including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to transfer the foreign mutual fund subscription information from the counter terminal to the overseas mutual fund subscription server 100. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription application and storing the electronic document in an electronic document storage. As such, the present invention is not limited thereto.

In addition, in the method illustrated in FIGS. 7A and 7B including the electronic document generation and storage process, the counter terminal acquires predetermined image contents corresponding to the overseas mutual fund subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) overseas mutual fund subscription application information corresponding to the overseas mutual fund subscription application is illustrated as being provided from the overseas mutual fund subscription server 100, but the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the overseas mutual fund subscription server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the overseas mutual fund subscription server 100 shown in Figure 1 is referred to as a "server" for convenience, and the window The customer information transmitted from the terminal to the overseas mutual fund subscription server 100, the foreign mutual fund attribute information, and the information on the future exchange transaction are referred to as "overseas mutual fund subscription application information" for convenience.

Referring to FIGS. 7A and 7B, a foreign customer joins an overseas mutual fund including at least one of customer information, foreign mutual fund attribute information, and futures exchange transaction information for automatic currency hedging through simultaneous exchange of a foreign currency with a foreign mutual fund. After completing and submitting the application form, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel, and the foreign mutual fund and the future exchange corresponding to the overseas mutual fund subscription application form. When requesting a user interface for automatic currency hedge through simultaneous transaction (700), the server inputs (or selects) foreign mutual fund subscription application information corresponding to the overseas mutual fund subscription application prepared by the customer in response to the request. And joining the overseas mutual fund through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the application to the server (705), and transmit the generated (or extracted) user interface to the terminal through the financial network. Output 710.

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction agreement information through the user interface (715).

If the foreign mutual fund subscription request information including at least one of the customer information, the foreign mutual fund attribute information, and the future exchange transaction information is input (or selected) through the user interface (720), the terminal may enter the user interface. Based on a predetermined image acquisition device based on the image content corresponding to the overseas mutual fund subscription application is obtained (725).

If image content corresponding to the overseas mutual fund subscription application is obtained through the image acquisition device (730), the terminal transmits the foreign mutual fund subscription application information and image content to the server through the financial network ( 735).

Subsequently, the server receives and reads an overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and a forward exchange transaction information through the financial network, thereby receiving the foreign mutual fund subscription application information. Validation is checked (740).

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription application information is matched with the foreign mutual fund subscription application information to the ledger D / B 300 on the financial system linked to the overseas mutual fund subscription system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 300 on the financial system.

If the validity of the overseas mutual fund subscription application information is not authenticated (745), the server generates predetermined financial product error information and transmits it to the terminal (750), corresponding to the overseas mutual fund subscription application information. Do not perform foreign mutual fund registration procedures.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (745), the server generates a predetermined foreign mutual fund subscription application electronic document including the image content (755).

According to one embodiment of the invention, the server through the image receiving unit 120 through the simultaneous signing of the future mutual exchange with the foreign mutual fund image file including the image content received from the terminal device 190 as it is It is preferable to process the electronic document of the application for overseas mutual fund joining for automatic currency hedging.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. Joining an overseas mutual fund for automatic currency hedging through simultaneous signing of an external mutual fund and a futures exchange transaction with an image file corresponding to an image content including at least one of fund attribute information and forward exchange transaction information by watermarking method It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 190 through the image receiving unit 120. , Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby simultaneously signing a futures exchange transaction with the foreign mutual fund. It is desirable to generate an electronic document for signing up for an overseas mutual fund for automatic currency hedging.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. Generate an image content including at least one or more information of the fund attribute information and the forward exchange transaction agreement by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. Files, or EDI (Electronic Data Interchange) files, word processor files containing at least one or more of HWP / DOC, or web document files including MHT). It is desirable to generate an electronic document for foreign mutual fund subscription for automatic currency hedging.

According to another exemplary embodiment of the present invention, the server requests to join an overseas mutual fund received through the image receiving unit 115 and the image content received from the terminal device 190 through the image receiving unit 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable to generate an overseas mutual fund subscription application electronic document for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Alternatively, the server may include the customer information included in the foreign mutual fund subscription application information received through the information receiver 115 in the image content received from the terminal device 190 through the image receiver 120, an overseas mutual. A predetermined document file including image information including at least one or more information of fund attribute information and forward exchange transaction agreements by watermarking, and including the generated image content and the overseas mutual fund subscription application information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Electronic documents for signing up for overseas mutual funds for automatic currency hedging through mutual fund and futures exchange transactions It is desirable to produce.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated foreign mutual fund subscription application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 180 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the overseas mutual fund subscription application electronic document in the electronic document repository may be performed by linking the generated foreign mutual fund subscription application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (180) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating an overseas mutual fund subscription application corresponding to the image content, and / or financial institution information for transmitting the overseas mutual fund subscription application electronic document. , And / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document for the foreign fund subscription application is stored in the electronic document repository (765), the server is based on the customer information contained in the foreign mutual fund subscription information, foreign mutual fund attribute information, forward exchange transaction information In operation 770, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the overseas mutual fund (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name A financial account is opened and processed (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B (300) It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server includes the customer information and the future exchange transaction contract information included in the overseas mutual fund subscription application information, the financial product operation information generated by the information generator 135 and the financial account processor 140. Foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium 185 (780).

According to an exemplary embodiment of the present invention, when the storage medium 305 is provided in the server or on a network associated with the server, the server includes the customer included in the received foreign mutual fund subscription application information. Preferably, the storage medium 305 stores foreign mutual fund subscription information including at least one of information, a forward exchange transaction contract information, and financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 305 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generate (or extract) details of storing the foreign mutual fund subscription information in the storage medium 305 and transmit the generated information to the terminal (785).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another embodiment of the present invention, the storage medium 305 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign mutual fund subscription system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

8 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of a future mutual transaction with an overseas mutual fund in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 8 is a window terminal in which a terminal device 190 on an overseas mutual fund subscription system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the overseas mutual fund subscription server 100 is predetermined. In the case of a ledger server (not shown) function on the financial system linked to the counter terminal through the financial network of the bank, a given customer may apply to the overseas mutual fund for automatic currency hedging through simultaneous signing of the foreign mutual fund and the futures exchange transaction. In order to join, fill out and submit an overseas mutual fund subscription application that includes at least one of customer information, foreign mutual fund attribute information, and futures exchange agreement information. Sign up for the mutual fund, and the information on the forward exchange transaction agreement included in the overseas mutual fund subscription application. In response to the configuration of the system for entering into a forward exchange transaction contract, specifically, when the customer fills out the overseas mutual fund subscription application form and submits it to the counter, the foreign mutual fund subscription application information provided by the counter terminal is included. The foreign mutual fund subscription server 100 transmits forward exchange transaction application information including at least one of customer information, forward exchange transaction contract attribute information, and transaction cost information to the overseas mutual fund subscription server 100 in response to the information on the future exchange transaction agreement. 100 illustrates an implementation method of processing the forward exchange transaction contract based on the forward exchange transaction contract application information including at least one of the customer information, the forward exchange transaction attribute information, and the transaction cost information.

Those skilled in the art to which the present invention pertains, various implementations of registering the future exchange transaction contract application information to the foreign mutual fund subscription server 100 in the window terminal by referring to and / or modified in this figure 8 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, although the embodiment shown in FIG. 8 includes a process of generating a predetermined electronic document corresponding to the forward exchange transaction contract application information and storing it in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

Hereinafter, in FIG. 8, the overseas mutual fund subscription server 100 shown in FIG. 1 is referred to as " server " for convenience, and the customer information and the present exchange are transmitted from the counter terminal to the overseas mutual fund subscription server 100. The transaction contract attribute information and transaction cost information are referred to as "forward exchange transaction contract application information" for convenience.

In response to the overseas mutual fund subscription application information including at least one of customer information, foreign mutual fund subscription information, and futures exchange subscription agreement information, the server confirms the future exchange subscription agreement information included in the foreign mutual fund subscription application information ( 800).

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund product, foreign mutual funds invest in foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value increases when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the information on the pre-exchange agreement to prevent the loss of the exchange rate through the forward exchange transaction.

If there is no forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information (805), the server generates (extracts) notification information indicating that there is no forward exchange subscription agreement and transmits it to the terminal. In step 810, the server generates overseas mutual fund subscription confirmation information corresponding to the overseas mutual fund subscription application information (835), and in connection with the issuing processing device for the contract confirmation corresponding to the overseas mutual fund subscription confirmation information in the server. Output 840.

On the other hand, when there is a forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information (805), the server includes at least one of customer information, forward exchange transaction attribute information, and transaction cost information. In response to the forward exchange transaction contract application information, the forward exchange transaction contract is processed to store the forward exchange transaction contract information corresponding to the processed transaction contract (813).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc., provided in the customer book provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to comprise.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining a product, an overseas mutual fund is invested by foreign currency rather than domestic currency. Therefore, in order to hedge the foreign exchange risk caused by the exchange rate difference between the foreign currency and the domestic currency, the transaction at the time of joining the overseas mutual fund is performed. It is desirable to include cost information for futures exchange contracts that correspond to costs.

Subsequently, the server generates predetermined document contents including at least one or more customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information, and includes a predetermined future exchange transaction including the document contents. Generate a contract application electronic document (815).

According to an exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. A web file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including a document file including the document content, or an MHT. Document file, etc.) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedging through simultaneous conclusion of a forward exchange transaction with the foreign mutual fund.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and the document content may include the overseas content. After including the customer information included in the mutual fund subscription application information, and at least one or more of the information on the future exchange contract application information associated with the customer information (Watermarking) method, and including the document content including the watermarking The document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) Electronic document application for forward exchange transaction contract for automatic currency hedging through mutual fund and forward exchange It is preferable to process.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( Process an image file including captured image contents (e.g., image contents generated by capturing the document contents in a memory) into an electronic document for requesting a forward exchange transaction contract for automatic currency hedging by simultaneously executing a forward exchange transaction with the foreign mutual fund. It is desirable to.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (e.g., image content generated by capturing the document content in memory) and forward exchange transaction contract application information associated with the customer information. After including one or more information in a watermarking method, an image file including the image contents including the watermarking is a forward exchange transaction contract application electronic document for automatic currency hedge through simultaneous signing of a forward exchange transaction with the overseas mutual fund. It is preferable to process.

According to another exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. And a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a Portable Document Format) file) including image content (e.g., image content generated by capturing the document content on a memory). Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is desirable to process the forward exchange transaction contract application electronic document.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (for example, image content generated by capturing the document content in memory), and forward exchange transaction contract application information associated with the customer information. Generating image content including at least one information in a watermarking manner, and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the image content including the watermarking. File, or a word processor file containing at least one of HWP / DOC, etc., or an MHT. By creating such a web document file), it is desirable to process electronic documents into forward exchange contracts apply for auto hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the server may include document content including at least one customer information included in the received overseas mutual fund subscription application information, and at least one forward exchange transaction contract application information associated with the customer information. A predetermined document file (e.g., PDF) including image content (e.g., image content generated by capturing the document content in memory) and the overseas mutual fund subscription application information generated by the document content; A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). We recommend that you process the futures exchange transaction contract electronic document for automatic currency hedging through simultaneous transaction. It is.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (for example, image content generated by capturing the document content in memory), and forward exchange transaction contract application information associated with the customer information. Generating an image content including the above information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file, including the image content including the watermarking and the overseas mutual fund subscription information), Or at least one Electronic Data Interchange (EDI) file or HWP / DOC. By creating such a web document file) that includes a word processor file, or to MHT, it is desirable to process electronic documents into forward exchange contracts apply for auto hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

Those skilled in the art to which the present invention pertains include technical features that the server generates a forward exchange transaction contract application electronic document in an image file format and / or a predetermined document file format, and the forward exchange transaction contract application electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated forward exchange transaction contract application electronic document in a predetermined electronic document storage (820).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the overseas mutual fund subscription system through predetermined communication means. When provided externally, the server preferably transmits the generated futures exchange contract application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). .

Or, if the electronic document storage is provided on the DBMS provided in the foreign mutual fund subscription system, the server is the electronic document on the DBMS provided in the foreign mutual fund subscription system to the generated future exchange transaction application electronic document It is possible to store in the electronic document D / B 180 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, the storing of the futures exchange transaction contract application electronic document in the electronic document storage is shown in FIG. 1 by linking the generated futures exchange contract application electronic document and predetermined electronic document management information. It is preferably made to include in the electronic document D / B (180).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the forward exchange transaction contract application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the future exchange transaction contract application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information, and / or a financial institution that transmits the forward exchange transaction contract application electronic document). Information, and / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the forward exchange transaction contract application electronic document is stored in the electronic document repository (825), the server generates a forward exchange transaction contract confirmation information corresponding to the forward exchange transaction contract application information (830), and joins an overseas mutual fund in the server. The foreign mutual fund subscription confirmation information corresponding to the application information is generated (835).

Thereafter, the server outputs a contract confirmation corresponding to the forward exchange transaction contract confirmation information and at least one contract confirmation corresponding to the foreign mutual fund subscription confirmation information in association with at least one issue processing device (840).

9 is a diagram illustrating a non-face-to-face overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of foreign mutual funds and futures exchange transactions according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates that a given customer joins the overseas mutual fund subscription application information including at least one of predetermined customer information, foreign mutual fund attribute information, and future exchange transaction information through a predetermined financial product subscription interface. If provided as an institution, the fund subscription institution subscribes to an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund based on the application information of the overseas mutual fund subscription, and manages the overseas mutual fund. Regarding a system configuration for opening a predetermined financial account, those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 9 and automatically exchange hedging through simultaneous signing of a futures exchange transaction with an overseas mutual fund. On the composition of overseas mutual fund subscription system Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 9.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 9, and the foreign mutual omitting the method of storing the foreign mutual fund subscription application electronic document in the electronic document repository. It is possible to infer the fund subscription system configuration, and also in the case of storing the foreign mutual fund subscription application electronic document in the electronic document repository, the electronic document repository is the foreign mutual fund subscription system in addition to the implementation method shown in FIG. Although it is possible to infer an implementation method provided in a DBMS located in the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 9, the foreign mutual fund subscription application electronic document is illustrated as being generated on the server side on the foreign mutual fund subscription system, but the present invention is not limited thereto. The overseas mutual fund subscription application electronic document may be generated on the terminal side which inputs (or selects) the foreign mutual fund subscription application information (for example, the electronic document generation function provided on the server side is provided to the terminal side). And the electronic document for subscription to the foreign mutual fund), whereby the present invention is not limited thereto.

Hereinafter, the foreign mutual fund subscription application information is provided from the customer through a predetermined financial product subscription interface on the overseas mutual fund subscription system shown in FIG. 9 to allow the customer to subscribe to the foreign mutual fund, and correspondingly. Components corresponding to at least one or more means and / or functional configurations for generating a predetermined overseas mutual fund subscription application electronic document and storing it in a predetermined electronic document repository are referred to as "overseas mutual fund subscription server 900" for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, an overseas mutual fund subscription system for automatic currency hedging through simultaneous signing of a foreign exchange fund and a futures exchange transaction may include at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 990 including at least one or more including a client terminal, the terminal device 990 is an overseas mutual fund provided on the overseas mutual fund subscription system through a predetermined network means The fund subscription server 900 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer accesses the overseas mutual fund subscription server 900 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) overseas mutual fund subscription application information for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund through at least one user interface provided by the foreign mutual fund subscription server 900. The client terminal preferably transmits to the overseas mutual fund subscription server 900 provided on the overseas mutual fund subscription system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 990 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 990 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 990 connected to an x-based mobile Internet and / or all terminal devices 990 connected to an IEEE 802.11x-based wireless LAN, connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x-based wireless LAN.

In addition, the overseas mutual fund subscription server 900 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. It is preferable to include one or / or a separate web server for registering the information.

The network means for connecting the client terminal and the overseas mutual fund subscription server 900 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet based and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the overseas mutual fund subscription server 900, and inputs and / or selects at least one or more information through the user interface to the overseas mutual fund subscription server ( A function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the overseas mutual fund subscription server 900, etc.) for transmission to the 900 is preferably provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the foreign mutual fund subscription system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one connecting the client terminal and the overseas mutual fund subscription server 900. The wired communication network and / or the wireless communication network perform a function of a financial product subscription interface for the customer to register foreign mutual fund subscription application information for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund.

According to another exemplary embodiment of the present invention, the terminal device 990 is an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal, and an ATM (cash dispenser). It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the foreign mutual fund subscription system as described above, when the terminal device 990 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automatic device (not shown) and the overseas mutual fund are shown. The financial network connecting the fund subscription server 900 performs a function of the financial product subscription interface for registering the foreign mutual fund subscription application information for the customer to automatically hedge the foreign currency through the simultaneous signing of the future mutual exchange with the foreign mutual fund, And / or when the terminal device 990 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the overseas mutual fund subscription server 900. And / or the wireless telephone network may request that the customer join an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the overseas mutual fund. The terminal performs a function of a financial product subscription interface for registering a report, and / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 990. (And / or server) (not shown) and the network connecting the terminal (and / or server) (not shown) and the overseas mutual fund subscription server 900, the customer concurrently concludes a forward exchange transaction with the foreign mutual fund It functions as a financial product subscription interface for registering foreign mutual fund subscription application information for automatic currency hedging.

The storage medium 985 provided on the overseas mutual fund subscription system according to the present invention includes the customer information and the future exchange transaction contract information and the financial information included in the overseas mutual fund subscription application information provided from the terminal device 990. And storing foreign mutual fund subscription information including at least one product operation information and financial account information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

It is preferable.

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate caused by the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is preferable to comprise.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to an embodiment of the present invention, the storage medium 985 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or associated with the overseas mutual fund subscription system). In this case, the storage medium 985 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 985 may be provided with (or associated with) an international banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The overseas mutual fund subscription system 900 provided on the overseas mutual fund subscription system according to the present invention is a generic term for the components of the overseas mutual fund subscription system side connected to the terminal device 990 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the overseas mutual fund subscription server 900 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). Server (or device) and / or a program provided to the outside world on the financial system, whereby It was not limited.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the overseas mutual fund subscription server 900 is configured to perform the wireless operation. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the overseas mutual fund subscription server 900 may be configured to execute the telephony service. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on a banking system, and / or a program provided in the telebanking server, and / or through the telebanking system, The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the overseas mutual fund subscription server 900 may be A predefined server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predefined server accessible to the outside world of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the overseas mutual fund subscription server 900 includes an interface unit 905 for connecting and managing a predetermined communication channel with the terminal device 990 through the network means. It is done.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 905 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTTP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the overseas mutual fund subscription server 900, the interface unit 905 is based on the TCP / IP protocol. And a communication channel and provide 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 terminal device 990 is a financial automation device connected to a predetermined financial network, the interface unit 905 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 905 implements a protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the overseas mutual fund subscription server 900, the interface unit 905 is based on the CDMA protocol. It connects a communication channel with a terminal 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 terminal device 990 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 905 may use the wired telephone network and / or wireless. It is desirable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 905 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 9, the overseas mutual fund subscription server 900 connects a predetermined communication channel with the overseas mutual fund subscription server 900 through a predetermined terminal device 990 through the interface unit 905. To input (or select) predetermined overseas mutual fund subscription application information from the terminal device 990 to automatically exchange hedging through simultaneous exchange of a futures exchange with the foreign mutual fund, the foreign mutual fund subscription server 900 is transmitted. An interface providing unit 910 for generating (or extracting) at least one user interface and providing the generated (or extracted) user interface to the terminal device 990 in association with the interface unit 905; When the terminal device 990 inputs (or selects) the foreign mutual fund subscription application information through the user interface and transmits the information, the interface In connection with (905) characterized in that formed by an information reception section 915 for receiving the foreign mutual fund subscription request information transmitted from the terminal apparatus 990.

The interface providing unit 910 connects a predetermined communication channel with the overseas mutual fund subscription server 900 through the interface unit 905, and then the overseas mutual fund subscription server 900. When requesting a user interface for automatic currency hedging through simultaneous signing a futures exchange transaction with the overseas mutual fund, the terminal device 990 inputs (or selects) predetermined foreign mutual fund subscription application information through the network means. Generate at least one user interface to be transmitted to the overseas mutual fund subscription server 900, and / or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 905 Characterized in that the user interface is provided to the terminal device 990 via the network means.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 910 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a financial automation device connected to a predetermined financial network, the interface providing unit 910 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal apparatus 990 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 910 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 910 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 905 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 910 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 905.

According to another exemplary embodiment of the present invention, at least one of inputting (or selecting) predetermined overseas mutual fund subscription application information to the terminal device 990 and transmitting it to the overseas mutual fund subscription server 900 through the network means. When a predetermined information registration program having the above user interface is provided, a user interface for inputting (or selecting) predetermined foreign mutual fund subscription information as described above and transmitting it to the foreign mutual fund subscription server 900 as described above. The interface providing unit 910 for generating (or extracting) the terminal device 990 and providing it to the terminal device 990 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 990 inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information through the user interface, and the input is performed. (Or selected) the foreign mutual fund subscription application information is transmitted to the foreign mutual fund subscription server 900 through the network means, and correspondingly, the information receiving unit 915 is connected with the interface unit 905 in response to the request. Characterized in that for receiving the foreign mutual fund subscription application information transmitted from the terminal device (990).

According to an exemplary embodiment of the present invention, the terminal device 990 includes the overseas mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the foreign mutual fund subscription application information in It is preferable to transmit to the overseas mutual fund subscription server 900 through the network means.

According to an exemplary embodiment of the present invention, the terminal device 990 may include at least one encryption method (eg, at least one overseas mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information). A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. It is preferable to transmit the digital signature to the foreign mutual fund subscription server 900 through the network means, for this purpose, the terminal device 990 is provided with at least one encryption key corresponding to the encryption method or And / or have a predetermined public certificate including at least one encryption key, and / or When the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the foreign mutual fund subscription application information, and a technique of attaching a predetermined electronic signature to the foreign mutual fund subscription application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Referring to FIG. 9, the overseas mutual fund subscription server 900 receives the overseas mutual fund subscription application information transmitted from the terminal device 990 through the information receiver 915, and receives the received overseas mutual fund. It is characterized in that the subscription application information is provided with a validity check unit 925 to confirm whether the validity for the automatic currency hedging through the simultaneous signing of the foreign mutual fund and the future exchange transaction.

According to the implementation method of the present invention, the foreign mutual fund subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or a key exchange-based encryption scheme, etc., the validity checker 925 may use the at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme to the encrypted foreign mutual fund subscription information. And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), thereby validating the validity of the received foreign mutual fund subscription information. Do.

Alternatively, when a predetermined electronic signature is attached to the overseas mutual fund subscription application information, the validity confirming unit 925 checks the electronic signature attached to the overseas mutual fund subscription application information, thereby joining the received overseas mutual fund subscription. It is desirable to certify the validity of the application information.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted overseas mutual fund subscription application information and the electronic signature attached to the overseas mutual fund subscription application information. Since you will be familiar with the technical features to check, a detailed description thereof will be omitted for convenience.

When the foreign mutual fund subscription application information received through the information receiving unit 915 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the foreign mutual fund subscription application information, the validity The verification unit 925 compares and authenticates the password included in the overseas mutual fund subscription application information with the password provided corresponding to the customer on the DBMS, thereby validating the validity of the received overseas mutual fund subscription application information. It is desirable to authenticate.

Alternatively, when the foreign mutual fund subscription application information received through the information receiver 915 further includes predetermined security card information for confirming the validity of the foreign mutual fund subscription application information, the validity verification unit ( 925) compares and authenticates the security card information included in the overseas mutual fund subscription application information and the security card information provided corresponding to the customer on the DBMS, thereby validating the received overseas mutual fund subscription application information. It is desirable to authenticate.

Alternatively, when the foreign mutual fund subscription information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the foreign mutual fund subscription information, the validity checking unit ( 925) compares and authenticates the received OTP code included in the overseas mutual fund subscription application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to verify the validity of the mutual fund application information.

According to an embodiment of the present invention, the validity of the foreign mutual fund subscription application information is at least one matched with the foreign mutual fund subscription application information on the ledger D / B on the financial system associated with the foreign mutual fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferable to include checking whether the customer ledger is stored in the ledger D / B on the financial system.

Referring to FIG. 9, when the overseas mutual fund subscription application information is authenticated through the validity verification unit 925, the overseas mutual fund subscription server 900 receives the received foreign mutual fund subscription information. A fund electronic document generation unit 930 for generating a predetermined foreign mutual fund subscription application electronic document, and transmitting the generated foreign mutual fund subscription application electronic document to an electronic document repository associated with the overseas mutual fund subscription system; The fund electronic document transmission unit 932 is characterized in that it comprises.

The fund electronic document generation unit 930 generates an overseas mutual fund subscription application electronic document including the overseas mutual fund subscription application information received from the terminal device 990 through the information receiving unit 915. do.

According to an exemplary embodiment of the present invention, the fund electronic document generation unit 930 may include customer information included in the overseas mutual fund subscription application information received through the information receiving unit 915, overseas mutual fund attribute information, and futures exchange transaction consent. Generate document content including at least one information, and at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. It is preferable to process a word processor file including, or a web document file including MHT) as an electronic document for foreign mutual fund subscription for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. After generating document content, and including at least one or more information of the customer information, foreign mutual fund attribute information, forward exchange transaction agreement information included in the foreign mutual fund subscription application information in the document content by a watermarking method, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing document content including watermarking, or an MHT. Web document files, etc.) for automatic currency hedging through simultaneous signing of futures exchange transactions with the foreign mutual funds. It is advisable to process electronic documents for foreign mutual fund membership.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. Through the simultaneous signing of a futures transaction with the overseas mutual fund, an image file that generates document content and includes image content (eg, image content generated by capturing the document content in memory) is captured. It is preferable to process the electronic document of the application for overseas mutual fund joining for automatic currency hedging.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. Customer information included in the overseas mutual fund subscription application information and overseas mutual funds in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content in memory) After including at least one or more of the attribute information and the information on the futures exchange transaction by the watermarking method, an automatic currency hedge through the simultaneous signing of a futures exchange transaction with the foreign mutual fund an image file including the image contents including the watermarking It is a good idea to electronically sign up for an overseas mutual fund. It is.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 930 may include customer information included in foreign mutual fund subscription information received through the information receiving unit 915, overseas mutual fund attribute information, and future exchange transactions. A predetermined document file (eg, an image content generated by generating document content including at least one agreement information) and including image content (eg, image content generated by capturing the document content in memory). , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). An electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of funds and futures exchange transactions It is good.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. Customer information included in the overseas mutual fund subscription application information and overseas mutual funds in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content in memory) Create image content including at least one of attribute information and forward exchange transaction information by a watermarking method, and include a document file (eg, a PDF (Portable Document Format)) including the image content including the watermarking. At least one file, an electronic data interchange (EDI) file, or an HWP / DOC. By creating a web document files, etc.) that includes a word processor file or MHT, it is desirable to process electronic documents into foreign mutual fund subscription for automatic hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the fund electronic document generation unit 930 may include customer information included in the overseas mutual fund subscription application information received through the information receiving unit 915, overseas mutual fund attribute information, and futures exchange. Generating document content including at least one transaction information, image content (eg, image content generated by capturing the document content in memory) and the overseas mutual fund subscription application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. Overseas mutual fund for automatic currency hedging through simultaneous signing of the future mutual transaction with the foreign mutual fund De-Up is preferable to apply processing to electronic documents.

Alternatively, the fund electronic document generation unit 930 includes at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received through the information receiving unit 915. Customer information included in the overseas mutual fund subscription application information and overseas mutual funds in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content in memory) A document file including image information including at least one or more of attribute information and forward exchange transaction information by a watermarking method, the image file including the watermarking and the foreign mutual fund subscription application information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or To generate a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) It is preferable to process the document.

Those skilled in the art to which the present invention pertains, the fund electronic document generation unit 930 and the technical features of generating an electronic document for foreign mutual fund subscription in the form of an image file and / or a predetermined document file and Since the technical features of the file format of the image file and / or the document file corresponding to the foreign mutual fund subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

The fund electronic document transmission unit 932 transmits the electronic document for subscription to the foreign mutual fund created by the fund electronic document generation unit 930 to a predetermined electronic document repository associated with the foreign mutual fund subscription system, Characterized in that.

As shown in FIG. 9, the electronic document repository is connected to the foreign mutual fund subscription server 900 on the overseas mutual fund subscription system 900 through a predetermined communication means and the electronic document server 960 and the electronic document D /. When provided externally, including the B (980), the fund electronic document transmission unit 932 is the foreign electronic fund subscription request electronic document generated by the fund electronic document generation unit 930 through the communication means Characterized in that the transmission to the electronic document server (960).

Herein, when the electronic document server 960 and the electronic document D / B 980 are provided outside the foreign mutual fund subscription system, the electronic document server 960 and the electronic document D / B 980 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the fund electronic document transmission unit 932 is generated by the fund electronic document generation unit 930. It is possible to store the generated overseas mutual fund subscription application electronic document in the electronic document D / B 980 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, whereby the present invention is not limited thereto. No.

According to the method of the present invention, the fund electronic document transmission unit 932 is electronic document related information for generating a predetermined electronic document management information in the electronic document server 960 (for example, the foreign mutual fund subscription information) Customer information, and / or financial institution information, and / or electronic document file format information, and / or the overseas mutual fund subscription application information, etc., transmitted by inputting (selecting) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 9, the overseas mutual fund subscription server 900 exchanges foreign mutual fund subscription information received through the information receiving unit 915 through a validity checking unit 925 to exchange a futures exchange with the overseas mutual fund. When the validity for automatic currency hedging through simultaneous signing is authenticated, the foreign mutual fund is responded to based on the customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the validity of the overseas mutual fund subscription application information. An information generation unit 935 for generating predetermined financial product operation information, and the financial product operation information based on the customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information; It is provided with a financial account processing unit 940 for opening and processing a financial account of the customer name including a And that is characterized.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirmation unit 925, the information generation unit 935 includes customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, And generating predetermined financial instrument operation information corresponding to the foreign mutual fund based on the forward exchange transaction agreement information.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the information generator 935 may include customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, and future exchange transactions. Based on the agreement information, it is preferable to generate beneficiary certificate information (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the foreign mutual fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the information generating unit 935 may include the customer information included in the overseas mutual fund subscription information, the foreign mutual fund attribute information, Deposit information (or savings information) corresponding to the foreign mutual fund based on the forward exchange transaction agreement information (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage), subscription period, etc. It is preferable to create a deposit (or savings) attribute, including).

The financial account processing unit 940 generates a customer ledger including the customer information included in the financial account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information, the foreign mutual It is characterized by opening a predetermined financial account for automatic currency hedging through the simultaneous signing of funds and futures exchange transactions.

According to an exemplary embodiment of the present invention, when the foreign mutual fund subscription server 900 and the financial system exist in the same system, the financial account processing unit 940 is linked to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger containing financial instrument operation information.

According to another exemplary embodiment of the present invention, when the foreign mutual fund subscription server 900 and the financial system exist on another system connected through a predetermined communication means, the financial account processing unit 940 may use predetermined communication means. It is preferable to request a ledger D / B on the other financial system to create a predetermined ledger including the financial product operation information through the external system on the financial system.

Referring to FIG. 9, the overseas mutual fund subscription server 900 simultaneously accepts foreign mutual fund subscription application information received through the information receiving unit 915 through the validity checking unit 925. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 935 included in the validity of the foreign mutual fund subscription information And a fund information storage unit 945 for storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processing unit 940 in a predetermined storage medium 985. It features.

When the validity of the overseas mutual fund subscription application information is confirmed by the validity confirmation unit 925, the fund information storage unit 945 stores the customer information and the forward exchange transaction contract information included in the overseas mutual fund subscription application information. And storing foreign mutual fund subscription information including at least one of the above information in the storage medium 985.

The fund information storage unit 945 may further include the generated financial product operation information in the overseas mutual fund subscription information when the financial product operation information generated by the information generation unit 935 is generated. It is preferable to store in the storage medium 985.

In addition, the fund information storage unit 945 adds the opened financial account information to the overseas mutual fund subscription information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. It is preferable to store in the storage medium 985.

According to an exemplary embodiment of the present invention, when the storage medium 985 is provided in the overseas mutual fund subscription server 900 or on the network associated with the overseas mutual fund subscription server 900, the fund information The storage unit 945 stores the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, the financial product operation information, and the financial account information included in the received overseas mutual fund subscription application information. It is desirable to store in the medium 985.

According to another exemplary embodiment of the present invention, when the storage medium 985 is provided in a DBMS provided on a financial system, the fund information storage unit 945 may include the received foreign mutual fund subscription information. Foreign mutual fund subscription information including customer information, futures exchange contract information, and at least one financial product operation information and financial account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. It is desirable to.

Referring to FIG. 9, the overseas mutual fund subscription server 900 simultaneously accepts foreign mutual fund subscription application information received through the information receiving unit 915 through the validity checking unit 925. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 935 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processor 940 in a predetermined storage medium 985. Link with the storage unit 945 to sign up for a futures exchange in order to simultaneously enter forward exchanges in response to overseas mutual fund subscription information. The futures exchange process automatically quotes the exchange rate and processes the forward exchange transaction contract application information including at least one of customer information, forward exchange transaction attribute information, and transaction cost information to automatically conclude a forward exchange transaction contract in response to the automatically quoted exchange rate. A transaction contract processing unit 947 is provided.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining a product, an overseas mutual fund is invested by foreign currency rather than domestic currency. Therefore, in order to hedge the foreign exchange risk caused by the exchange rate difference between the foreign currency and the domestic currency, the transaction at the time of joining the overseas mutual fund is performed. It is desirable to include cost information for futures exchange contracts that correspond to costs.

The futures exchange transaction contract processing unit 947 is for the automatic foreign currency hedge through the foreign mutual fund subscription application information received through the information receiving unit 915 through the validity confirmation unit 925 and simultaneous signing a futures exchange transaction with the foreign mutual fund If the validity is authenticated, the financial instrument operation information and the financial account processing unit generated by the customer information, the forward exchange transaction contract information, and the information generation unit 935 included in the overseas mutual fund subscription application information whose validity is authenticated ( When the foreign mutual fund subscription information including at least one or more financial account information generated by 940 is stored in a predetermined storage medium 985, it is linked with a fund information storage unit 945 for storing the foreign mutual fund subscription information. Quotation of exchange rates for futures exchange signings to simultaneously close futures exchanges in response to overseas mutual fund subscriptions And processing the forward exchange transaction contract application information including at least one of customer information, forward exchange transaction attribute information, and transaction cost information to automatically conclude a forward exchange transaction contract in response to the automatically quoted exchange rate.

According to the present invention, the future exchange transaction contract processing unit 947 is the foreign mutual fund subscription application information received through the information receiving unit 915 through the validity confirming unit 925 to simultaneously conclude the future exchange transaction with the foreign mutual fund When the validity for automatic currency hedging through the authentication is authenticated, the customer information included in the validity of the foreign mutual fund subscription application information and the forward exchange transaction contract information, and the financial product operation information generated by the information generator 935; A fund information storage unit storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one or more financial account information generated by the financial account processor 940 in a predetermined storage medium 985. In conjunction with (945), the Group will enter into a forward exchange to conclude a forward exchange transaction in response to overseas mutual fund subscription information. In order to automatically quote exchange rates, and to automatically conclude a futures exchange contract in response to the automatically quoted exchange rate, it is preferable to process the futures exchange contract application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information. Do.

The exchange rate automatic quoting is preferably determined by reflecting the interest rate difference between the domestic currency and the foreign currency at a predetermined spot exchange rate.

For example, if the spot exchange rate is $ 10,000 in the current market, if the dollar rate is higher than the won rate, the futures exchange rate will be lower than 1000 won.

Referring to FIG. 9, the foreign mutual fund subscription server 900 is provided with the customer information received from the forward exchange transaction contract processing unit 947 in association with the forward exchange transaction contract processing unit 947 through the forward exchange transaction contract processing unit 947. A forward exchange electronic document generation unit 955 for generating a predetermined forward exchange transaction contract application electronic document including forward exchange transaction contract application information including at least one of forward exchange transaction attribute information and transaction cost information; And a forward exchange electronic document transmission unit 957 for transmitting a contract application electronic document to an electronic document repository associated with the overseas mutual fund subscription system.

The forward exchange electronic document generation unit 955 is connected to the forward exchange transaction contract processing unit 947 through the forward exchange transaction contract processing unit 947, the customer information and the forward exchange transaction attribute information provided by the forward exchange transaction contract processing unit 947. In addition, it is characterized in that for generating a predetermined future exchange transaction contract application electronic document including the future exchange transaction contract application information including at least one transaction cost information.

According to an exemplary embodiment of the present invention, the forward exchange electronic document generation unit 955 stores customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including an MHT) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedge through simultaneous signing of a forward exchange transaction with the foreign mutual fund.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. And generating at least one or more of the customer information, the future exchange transaction contract attribute information, and the transaction cost information included in the futures exchange transaction contract application information in the document content by a watermarking method, and then including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing the document content, or a web document including the MHT. Application for forward exchange transaction contract for automatic currency hedging through simultaneous signing of forward exchange with foreign mutual funds. It is preferable to process it as an electronic document.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. And an automatic currency hedge through simultaneous signing of a futures exchange transaction with the overseas mutual fund for an image file including the image content captured by capturing the document content (for example, the image content generated by capturing the document content in memory). It is advisable to process the forward exchange transaction contract application for electronic documents.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content in memory), and the future exchange transaction contract attribute information; After including at least one of the transaction cost information by watermarking (Watermarking) method, forward exchange transaction for automatic currency hedging through simultaneous signing a futures exchange transaction with the overseas mutual fund an image file including the image content including the watermarking It is advisable to treat the contract as an electronic document.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 955 may include customer information, forward exchange transaction contract attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiver 915. A predetermined document file (eg, PDF) that generates document content including at least one of and includes image content (eg, image content generated by capturing the document content in memory). (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). It is preferable to process the electronic exchange of the forward exchange transaction contract for automatic exchange hedging through simultaneous execution of forward exchange transactions.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. A customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content in memory), and the future exchange transaction contract attribute information; Generate image content including at least one or more of the transaction cost information in a watermarking manner, and include a document file (eg, a PDF (Portable Document Format) file, or EDI) that includes the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one, such as HWP / DOC, It is preferable that the process by creating a web page file, etc.), including the MHT, forward exchange contracts to apply for an electronic document automatically hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the forward exchange electronic document generation unit 955 may include customer information, forward exchange transaction contract attribute information, and transaction cost included in the forward exchange transaction contract application information received through the information receiver 915. Generating document content including at least one information, and including image content (eg, image content generated by capturing the document content in memory) and the forward exchange transaction contract application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By creating a forward exchange transaction contract application for automatic currency hedging through the simultaneous conclusion of a forward exchange transaction with the foreign mutual fund It is preferred to process with.

Alternatively, the forward exchange electronic document generation unit 955 may include at least one document information including customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information received through the information receiving unit 915. And the customer information included in the forward exchange transaction contract application information in the image content (eg, the image content generated by capturing the document content in memory), and the forward exchange transaction attribute information. And generating image content including at least one of the transaction cost information by watermarking, and including the image content including the watermarking and the futures exchange contract application information (eg, PDF ( At least one of a Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. By creating a web document files, etc.) that includes a word processor file or MHT containing phase, it is desirable to process electronic documents into forward exchange contracts apply for auto hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

Those skilled in the art to which the present invention pertains, the technical features that the future exchange electronic document generation unit 955 generates a future exchange transaction contract application electronic document of the image file format and / or a predetermined document file format, Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the forward exchange transaction contract application electronic document, a detailed description thereof will be omitted for convenience.

The forward exchange electronic document transmission unit 957 transmits and stores the forward exchange transaction contract application electronic document generated by the forward exchange electronic document generation unit 955 to a predetermined electronic document repository associated with the overseas mutual fund subscription system. It is characterized by.

As shown in FIG. 9, the electronic document repository is connected to the foreign mutual fund subscription server 900 on the overseas mutual fund subscription system 900 through a predetermined communication means and the electronic document server 960 and the electronic document D /. When provided externally, including the B (980), the forward exchange electronic document transmission unit 957 is the electronic document server through the communication means for the forward exchange transaction application request electronic document generated by the electronic document generating unit ( 960).

Herein, when the electronic document server 960 and the electronic document D / B 980 are provided outside the foreign mutual fund subscription system, the electronic document server 960 and the electronic document D / B 980 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the foreign mutual fund subscription system, the forward exchange electronic document transmission unit 957 is the forward exchange generated by the electronic document generation unit. It is possible to store the transaction contract application electronic document in the electronic document D / B 980 corresponding to the electronic document storage on the DBMS provided in the foreign mutual fund subscription system, whereby the present invention is not limited.

According to an embodiment of the present invention, the forward exchange electronic document transmission unit 957 may convert the electronic document related information (for example, the forward exchange transaction contract application information) to generate predetermined electronic document management information in the electronic document server 960. Customer information transmitted by input (selection), and / or financial institution information transmitting the forward exchange transaction request electronic document, and / or electronic document file format information, and / or the future exchange transaction contract application information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 9, the overseas mutual fund subscription server 900 simultaneously accepts foreign mutual fund subscription application information received through the information receiving unit 915 through the validity checking unit 925. If the validity for the automatic currency hedging through the signing is authenticated, the customer information and the futures exchange contract information and the financial product operation generated by the information generator 935 included in the validity of the foreign mutual fund subscription information Fund information storing foreign mutual fund subscription information when storing foreign mutual fund subscription information including at least one information and at least one financial account information generated by the financial account processor 940 in a predetermined storage medium 985. Link with the storage unit 945 to sign up for a futures exchange in order to simultaneously enter forward exchanges in response to overseas mutual fund subscription information. The futures exchange process automatically quotes the exchange rate, and processes the futures exchange transaction application information including at least one of customer information, futures exchange transaction attribute information, and transaction cost information to automatically conclude a futures exchange transaction contract in response to the automatically quoted exchange rate. A forward exchange information storage unit 959 for storing a forward exchange transaction contract information in the storage medium 985 in association with the customer information included in the overseas mutual fund subscription application information that is validated in association with the transaction contract processing unit 947. It characterized by comprising a.

According to an embodiment of the present invention, when the storage medium 985 is provided in the overseas mutual fund subscription server 900 or on the network associated with the overseas mutual fund subscription server 900, the forward exchange information The storage unit 959 may store a future exchange transaction contract information in the storage medium 985 in association with the customer information included in the received foreign mutual fund subscription application information.

According to another embodiment of the present invention, when the storage medium 985 is provided in a DBMS provided on a financial system, the information storage unit may be connected with the customer information included in the received foreign mutual fund subscription information. It is preferable to provide the forward exchange transaction contract information to the information system through the external system on the financial system and store it in a DBMS provided on the financial system.

Referring to FIG. 9, the foreign mutual fund subscription server 900 is a futures exchange transaction contract in connection with the information on the foreign mutual fund subscription confirmation included in the overseas mutual fund subscription confirmation and the overseas mutual fund subscription application information prepared for the overseas mutual fund subscription. In order to issue a confirmation, a contract confirmation issuing processing unit 950 for providing confirmation issuance information to the contract confirmation issuing processing device is provided in connection with a predetermined contract confirmation issuing processing device.

The contract confirmation issuance processing unit 950 is configured to issue a forward exchange transaction contract confirmation in connection with the foreign mutual fund subscription confirmation letter and the information on the future exchange transaction agreement included in the overseas mutual fund subscription application information prepared for joining the overseas mutual fund. In connection with the contract confirmation issuing processing device, it is characterized in that to provide the certificate issuing information to the contract confirmation issuing processing device.

According to the present invention, the contract confirmation issuance processing unit 950 issues a futures exchange contract confirmation in connection with the information on the foreign mutual fund subscription confirmation and the foreign exchange fund subscription information included in the foreign mutual fund subscription application information prepared for the overseas mutual fund subscription. In order to provide a certificate issuance information to the contract confirmation issuance processing device in connection with a predetermined contract confirmation issuing processing device.

Referring to FIG. 9, a predetermined overseas mutual fund subscription application electronic document is received from the overseas mutual fund subscription server 900 provided on the overseas mutual fund subscription system and stored in a predetermined electronic document D / B 980. And the electronic document server 960 that manages the electronic document receiving unit 965 for receiving a predetermined overseas mutual fund subscription application electronic document from the overseas mutual fund subscription server 900 through a predetermined communication means, and An information generation unit 970 for generating predetermined electronic document management information for storing and managing an overseas mutual fund subscription electronic document in the electronic document D / B 980; and the electronic document management information and the overseas mutual fund. And an electronic document storage unit 975 for linking the subscription application electronic document and storing it in a predetermined electronic document D / B 980.

In addition, an electronic document that receives a predetermined future exchange transaction contract application electronic document from the foreign mutual fund subscription server 900 provided on the foreign mutual fund subscription system and stores and manages the electronic document D / B 980 in a predetermined electronic document. The server 960 may include an electronic document receiving unit 965 for receiving a predetermined forward exchange transaction contract application electronic document from the overseas mutual fund subscription server 900 through a predetermined communication means, and the received forward exchange transaction application electronic document. The information generating unit 970 for generating predetermined electronic document management information for storing and managing the electronic document in the electronic document D / B 980, and the electronic document management information and the future exchange transaction application request electronic document. And an electronic document storage unit 975 for storing in a predetermined electronic document D / B 980.

The electronic document receiving unit 965 may receive an overseas mutual fund subscription application electronic document in the form of an image file and / or a document file from the overseas mutual fund subscription server 900 through the communication means.

In addition, the electronic document receiving unit 965 is characterized in that to receive the future exchange transaction contract application electronic document in the form of an image file and / or document file from the foreign mutual fund subscription server 900 through the communication means.

According to an embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 965 through the communication means is received by the overseas mutual fund subscription server 900 from the terminal device 990. A document file (e.g., a Portable Document Format (PDF) file, or an EDI (e.g., a Portable Document Format) file containing document information including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in an overseas mutual fund subscription application information) Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. At least one of customer information included in the foreign mutual fund subscription application information, foreign mutual fund attribute information, and future exchange transaction information in document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction agreement information included in the After including one or more information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including the watermarking. / DOC, word processing files containing at least one, or Web document files containing MHT, etc.) And it is preferably made.

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content in memory) including document information including at least one or more of customer information, foreign mutual fund attribute information, and futures exchange agreement information. It is preferable to include an image file.

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content in memory) including the document information including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. An image including the image content including the watermarking after including at least one or more information of the customer information, overseas mutual fund attribute information, forward exchange transaction information of the foreign mutual fund subscription application information in the watermarking method (watermarking method) It is preferable to include a file.

Further, the electronic document receiving unit 965, the future exchange transaction contract application electronic document received through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing document content including at least one or more included customer information and forward exchange transaction contract application information associated with the customer information; Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Application information included in the foreign mutual fund subscription application information in document content including at least one customer information included and information on the application of the futures trading agreement associated with the customer information, and the futures trading agreement application associated with the customer information. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file) , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). It is preferable to comprise.

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., image content generated by capturing the document content in the memory) which captures document content including at least one of included customer information and forward exchange transaction contract application information associated with the customer information. It is preferable to include an image file to include.

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To the image content (e.g., image content generated by capturing the document content in memory) which captures document content including at least one customer information included and at least one forward exchange transaction request information associated with the customer information. After the watermarking method includes at least one or more of the customer information included in the overseas mutual fund subscription application information and the information on the futures exchange contract application associated with the customer information, the image content including the watermarking is included. It is preferable to include an image file to include.

According to another embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription server 900 from the terminal device 990 Image content (eg, capturing the document content in memory) that captures document content including at least one of customer information included in the received overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated by It is preferable that the web document file including a).

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To image content (e.g., image content generated by capturing the document content in memory) including document information including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Generate image content including at least one or more of the customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method, the watermarking Document files containing image content (eg, Portable Document Format (PDF) files, or ED) I (Electronic Data Interchange) file, or a word processor file including at least one or more, such as HWP / DOC, or a web document file including the MHT.

In addition, the information exchange transaction contract application information received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content in memory) including captured document information and at least one document content including at least one futures exchange transaction request information associated with the customer information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To the image content (e.g., image content generated by capturing the document content in memory) which captures document content including at least one customer information included and at least one forward exchange transaction request information associated with the customer information. Generating an image content including a watermarking method of at least one of customer information included in the overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information; Document files containing embedded image content (e.g., Portable Document Format (PDF) files, or It is preferred comprising the EDI (Electronic Data Interchange) file, or web document file containing a word processor comprising at least one of HWP / DOC, such as files, or the like MHT).

According to another embodiment of the present invention, the overseas mutual fund subscription application electronic document received by the electronic document receiving unit 965 through the communication means, the overseas mutual fund subscription server 900 is the terminal device 990 Image content capturing document content including at least one of customer information, overseas mutual fund attribute information, and forward exchange transaction information received from an overseas mutual fund subscription application information received from the (e.g., the document content in memory). At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the captured image content) and the foreign mutual fund subscription application information. Such as a word processing file containing one or more, or a web document file containing an MHT). It is.

Alternatively, the overseas mutual fund subscription request information received by the electronic document receiving unit 965 through the communication means is the foreign mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, image content generated by capturing the document content in memory) including the document information including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Generate image content including at least one or more of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in a watermarking manner, and the image including the watermarking. Document file containing contents and application information for joining the overseas mutual fund (eg Such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Do.

In addition, the electronic document receiving unit 965, the future exchange transaction contract application electronic document received through the communication means is included in the future exchange transaction contract application information received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., image content generated by capturing the document content in memory) and capturing document content including at least one customer information and at least one forward exchange transaction contract application information associated with the customer information; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the forward exchange transaction contract application information, or an MHT. It is preferable that the web document file including a).

Alternatively, the forward exchange transaction contract application electronic document received by the electronic document receiving unit 965 through the communication means is included in the overseas mutual fund subscription application information received by the overseas mutual fund subscription server 900 from the terminal device 990. To the image content (e.g., image content generated by capturing the document content in memory) which captures document content including at least one customer information included and at least one forward exchange transaction request information associated with the customer information. Generating an image content including a watermarking method of at least one of customer information included in the overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information; Document file containing the included image content and the information on the futures exchange contract application (for example , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Do.

The information generating unit 970 is a predetermined electronic document unique number (or unique information) to be assigned to the overseas mutual fund subscription application electronic document received through the electronic document receiving unit 965, and the electronic document receiving unit 965 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the foreign mutual fund subscription application electronic document was stored) when the foreign mutual fund subscription electronic document was received. It features.

In addition, the information generating unit 970 is a predetermined electronic document unique number (or unique information) to be assigned to the future exchange transaction contract application electronic document received through the electronic document receiving unit 965, and the electronic document receiving unit 965 Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the future exchange transaction request electronic document was stored) when the future exchange transaction contract application electronic document was received; It is done.

According to the exemplary embodiment of the present invention, the information generating unit 970 refers to the overseas mutual fund subscription server 900 which has transmitted the foreign mutual fund subscription application electronic document received through the electronic document receiving unit 965. It is preferable to identify a financial institution that has sent the overseas mutual fund subscription application electronic document, and generate electronic document management information further including the confirmed financial institution information.

In addition, the information generation unit 970 refers to the foreign mutual fund subscription server 900 that has transmitted the forward exchange transaction contract application electronic document received through the electronic document receiving unit 965 to convert the forward exchange transaction contract application electronic document. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 965 further receives a predetermined electronic document related information from the foreign mutual fund subscription server 900, the information generating unit 970 is Received electronic document related information (e.g., customer information transmitted by inputting (selection) of the foreign mutual fund subscription application information, and / or financial institution information transmitting the foreign mutual fund subscription application electronic document, and / or electronic document) It is preferable to generate the electronic document management information further including file format information, and / or the foreign mutual fund subscription application information.

In addition, when predetermined electronic document related information is further received from the overseas mutual fund subscription server 900 through the electronic document receiving unit 965, the information generating unit 970 may receive the received electronic document related information (eg, Customer information in which an overseas mutual fund subscription application corresponding to the image contents is prepared, and / or financial institution information transmitting the forward exchange transaction request electronic document, and / or electronic document file format information, and / or the forward exchange transaction. It is preferable to generate electronic document management information, which further includes contract application information).

The electronic document storage unit 975 processes the electronic document management information generated by the information generating unit 970 and the foreign mutual fund subscription request electronic document received through the electronic document receiving unit 965 to provide a predetermined electronic content. The document D / B 980 may be stored.

In addition, the electronic document storage unit 975 associates a forward exchange transaction contract application electronic document received through the electronic document receiving unit 965 with electronic document management information generated through the information generating unit 970 to process a predetermined value. The electronic document is stored in the D / B 980.

According to the exemplary embodiment of the present invention, the foreign mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the terminal of the overseas mutual fund subscription server 900. A document file (eg, PDF (Portable Document Format) including document content including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received from the device 990. File), an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Customer information included in the foreign mutual fund subscription application information, overseas mutual fund attribute information, in document contents including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction agreement information; After including at least one or more of the information on the forward exchange transaction by the watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file containing the document content including the watermarking File), a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to make it together.

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content in memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and forward exchange transaction information. Preferably an image file containing one image content).

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content in memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, and forward exchange transaction information. A watermarking method including at least one of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and future exchange transaction information in a single image content. It is preferable to include an image file containing the image content.

In addition, the electronic document storage unit 975 the future exchange transaction contract application electronic document stored in the electronic document D / B (980) is received overseas from the overseas mutual fund subscription server 900 from the terminal device 990 A document file (eg, a Portable Document Format (PDF) file, or EDI (Document File)) containing document information including at least one customer information included in mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. Electronic Data Interchange) file, or a word processor file including at least one HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Customer information included in the foreign mutual fund subscription application information in document content including at least one customer information included in mutual fund subscription application information, and information on a futures exchange contract application linked to the customer information; After including at least one or more information of the linked futures exchange contract application information by the watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI (Document File) containing the document content including the watermarking) Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT) It comprises are preferred.

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Image content (e.g., capturing the document content in the memory by capturing document content including at least one of customer information included in the mutual fund subscription information and at least one forward exchange transaction contract application information associated with the customer information). And an image file including generated image content).

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Image content (eg, the document content is captured in memory) that captures document information including at least one customer information included in the mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. The watermarking method by including at least one of customer information included in the overseas mutual fund subscription application information and the information on the future exchange transaction contract application information associated with the customer information in a generated watermarking method. It is preferable to include an image file including the included image content.

According to another exemplary embodiment of the present invention, the foreign mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the overseas mutual fund subscription server 900. Image content capturing document content including at least one of customer information included in the overseas mutual fund subscription application information received from the terminal device 990, foreign mutual fund attribute information, and forward exchange transaction agreement information (eg, the At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including document content generated by capturing document content in memory. A word processor file, or a web document file including MHT).

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content in memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, and forward exchange transaction information. Image content including at least one or more of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and futures exchange transaction information in a watermarking manner; Document files containing image content with watermarking (eg, Portable Document Format (PDF) files, or E A digital data interchange (DI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a future exchange transaction contract application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the overseas mutual fund subscription server 900 of the terminal. Image content (e.g., captured) of document content including at least one customer information included in the foreign mutual fund subscription application information received from the device 990 and forward exchange transaction contract application information associated with the customer information. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content generated by capturing the document content in a memory. A word processor file, or a web document file including MHT).

Alternatively, the electronic document storage unit 975 stores a futures exchange contract application electronic document stored in the electronic document D / B 980, the overseas mutual fund subscription server 900 received from the terminal device 990. Image content (eg, the document content is captured in memory) that captures document information including at least one customer information included in the mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. Generated image contents) to generate image contents including at least one of customer information included in the overseas mutual fund subscription application information and at least one or more information of the future exchange transaction application information linked to the customer information. And a document file (eg, a Portable Document Format (PDF) file) containing the image content including the watermarking, and Preferably includes an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may include the overseas mutual fund subscription server 900. Image content (e.g., captured) of document content including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction information included in the overseas mutual fund subscription application information received from the terminal device 990. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) containing the document content captured by the document content in the memory and the foreign mutual fund subscription application information. / DOC, or at least one word processor file, or a web document file containing the MHT, etc.) It is.

Alternatively, the overseas mutual fund subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 may be received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (e.g., generated by capturing the document content in memory) that captures document content including at least one of customer information included in the overseas mutual fund subscription information, foreign mutual fund attribute information, and forward exchange transaction information. Image content including at least one or more of customer information included in the overseas mutual fund subscription application information, foreign mutual fund attribute information, and futures exchange transaction information in a watermarking manner; A document file including image contents including watermarking and application information for joining the overseas mutual fund ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. Do.

According to another embodiment of the present invention, a future exchange transaction contract application electronic document that the electronic document storage unit 975 stores in the electronic document D / B (980) is the foreign mutual fund subscription server 900 Image content (e.g., captured) of document content including at least one customer information included in the overseas mutual fund subscription application information received from the terminal device 990 and the information on the future exchange transaction contract application information associated with the customer information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) containing the document content generated by capturing the document content in memory and the forward exchange transaction contract application information. / DOC or at least one word processor file, or a web document file containing the MHT, etc.) .

Alternatively, the foreign exchange subscription application electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is an overseas document received by the overseas mutual fund subscription server 900 from the terminal device 990. Image content (eg, the document content is captured in memory) that captures document information including at least one customer information included in the mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. Generated image contents) to generate image contents including at least one of customer information included in the overseas mutual fund subscription application information and at least one or more information of the future exchange transaction application information linked to the customer information. And a document file including the image content including the watermarking and the futures exchange transaction contract application information (eg Such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Do.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 980 by processing the electronic document storage unit 975 in association with the overseas mutual fund subscription application electronic document is the foreign mutual. It is preferable that a predetermined electronic document unique number (or unique information) assigned to the fund subscription application electronic document and the electronic document storage date and time information are included.

In addition, the electronic document management information that the electronic document storage unit 975 processes in association with the future exchange transaction contract application electronic document and stores in the electronic document D / B 980 is allocated to the first exchange transaction contract application electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 980 by the electronic document storage unit 975 in association with the overseas mutual fund subscription application electronic document is stored in the overseas document. Preferably, the financial institution further includes financial institution information that transmits the foreign mutual fund subscription application electronic document, which has been identified with reference to the overseas mutual fund subscription server 900 that transmits the mutual fund subscription application electronic document.

In addition, the electronic document management information stored in the electronic document D / B 980 by processing the electronic document storage unit 975 in association with the forward exchange transaction contract application electronic document transmits the forward exchange transaction contract application electronic document. Preferably, the financial institution further includes information on a financial institution that transmits the forward exchange transaction contract application electronic document identified with reference to the overseas mutual fund subscription server 900.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 900, the electronic document storage unit 975 is connected to the foreign mutual fund subscription application electronic document. The electronic document management information stored in the electronic document D / B 980 in association with each other may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the overseas mutual fund subscription application information), and And / or financial institution information for transmitting the foreign mutual fund subscription application electronic document, and / or electronic document file format information, and / or the foreign mutual fund subscription application information, etc.).

In addition, when a predetermined electronic document related information is further received from the overseas mutual fund subscription server 900, the electronic document storage unit 975 processes the electronic document D / B in association with the future exchange transaction application electronic document. Electronic document management information to be stored in the 980, the received electronic document-related information (for example, the customer information transmitted by inputting (selected) the foreign mutual fund subscription application information, and / or the forward exchange transaction contract application electronic document) Financial institution information, and / or electronic document file format information, and / or the forward exchange transaction contract application information, etc.).

FIG. 10 illustrates an implementation method in which a storage medium 985 storing foreign mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention. to be.

In more detail, in FIG. 10, when the storage medium 985 shown in FIG. 9 is the ledger D / B 1000 provided in the DBMS on the financial system, or the ledger D / B 1000 is provided, As the information structure for one embodiment of the foreign mutual fund subscription information is stored in the ledger information provided in the ledger D / B (1000), if the person of ordinary skill in the art to which the present invention belongs Although various information construction methods for storing the foreign mutual fund subscription information in the ledger D / B 1000 may be inferred with reference to FIG. 10 and / or modified, the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to Figure 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (1000) provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and The account ledger corresponding to the financial product subscribed through the illustrated overseas mutual fund subscription system and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention belongs. If, the ledger D / B (1000) provided in the DBMS on the financial system has at least one ledger (for example, ledger, loan ledger, collateral ledger, etc.) in addition to the customer ledger and account ledger shown in FIG. And / or further includes at least one additional information for maintaining and managing the ledgers, Since there is a read period, wherein the detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodic reception information including at least one or more of an extension period, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the storage medium 985 is the ledger D / B 1000, or includes an implementation method provided in the ledger D / B 1000. Overseas mutual fund subscription including at least one of the customer information and the futures exchange contract information, the financial product operation information, and the financial account information included in the overseas mutual fund subscription application information provided through the overseas mutual fund subscription system shown in FIG. The information is stored in the form of additional information added to the account ledger.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is desirable to include.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to another embodiment of the present invention, the foreign mutual fund subscription information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). In addition to the form of additional information added to, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

11 illustrates a ledger D / B having a storage medium 1105 for storing overseas mutual fund subscription information corresponding to an overseas mutual fund subscribed in a non-face-to-face manner according to another embodiment of the present invention. FIG. 1 illustrates an implementation method including a database associated with 1100.

In more detail, FIG. 11 shows an information structure of an embodiment in which the storage medium 985 shown in FIG. 9 includes a predetermined database linked to the ledger D / B 1100 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 11 to provide the foreign mutual fund subscription information to a predetermined database with the ledger D / B 1100. It will be able to infer various information construction methods for storing by linkage processing, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 11, when it is not easy to store the foreign mutual fund subscription information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system (for example, in the policy of the financial institution, When it is not easy to change the ledger D / B 1100, or the system expansion is not easy due to the characteristics of the financial system), the foreign mutual fund subscription information is stored in a predetermined database instead of the ledger D / B 1100. And an implementation method of storing the database in association with the ledger D / B 1100.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 11, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 11, the storage medium 1105 includes a database associated with the ledger D / B 1100 provided in a DBMS on a financial system. And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the fund subscription application information. Preferably, the foreign mutual fund subscription information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 1100.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is preferable to comprise.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

FIG. 12 includes a DBMS provided in a banking server 1200 in a storage medium 1105 for storing overseas mutual fund subscription information corresponding to overseas mutual funds subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. It is a figure which shows the implementation method.

More specifically, in Figure 12, the storage medium 985 shown in Figure 9 is provided with a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 1200, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. Although it is possible to infer a method of configuring information on foreign mutual fund subscription information stored in a predetermined DBMS provided at 1200, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

According to another exemplary embodiment of the present invention, referring to FIG. 12 in which the storage medium 1105 includes a DBMS provided in the banking server 1200, a predetermined DBMS provided in the banking server 1200 may include: And storing the foreign mutual fund subscription information including at least one of the customer information, the future exchange transaction contract information, and the financial product operation information and the financial account information included in the overseas mutual fund subscription application information.

The foreign mutual fund attribute information is information provided in the subscription application when the customer visits a window provided at a predetermined financial institution and fills out a predetermined subscription application to subscribe to a predetermined fund product. The information may include at least one or more of the product information on the type of the fund product, the deferred or earned type information, the deferred amount information in the case of the deferred meal, the amount of the accumulated information in the case of the earned meal, the date of the accumulated information, the debit account information, etc. .

The forward exchange transaction agreement information is when the customer visits a window provided at a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include the subscription agreement information for the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of foreign currency, it is preferable to include information in which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing the loss of the exchange rate through the forward exchange transaction.

The financial product operation information is a general term of information for managing and operating the overseas mutual fund through a predetermined financial account, which the customer intends to subscribe to through the foreign mutual fund subscription application information, and the characteristics and attributes of the foreign mutual fund. It is preferable to be carried out in various modifications according to.

According to an exemplary embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the foreign mutual fund, various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the foreign mutual fund subscription application information through the financial product operation information, and basically a predetermined account number (or securities number). It is preferable to comprise.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

13A and 13B illustrate a process of signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction in a non-face-to-face manner according to one embodiment of the present invention.

In detail, FIGS. 13A and 13B illustrate a client terminal of the terminal apparatus 990 on the overseas mutual fund subscription system shown in FIG. 9, and the overseas mutual fund subscription server 900 of the client terminal through a predetermined network means. In the case of having a web server function which is accessible, a predetermined customer can register customer information and foreign mutual fund attribute through the client terminal in order to join an overseas mutual fund for automatic currency hedging through simultaneous signing of mutual exchange with foreign mutual fund. If the foreign mutual fund subscription application information including at least one information, forward exchange transaction agreement information is provided, the foreign mutual fund subscription system includes at least one of the customer information, the foreign mutual fund attribute information, and the pre-exchange transaction information. Based on the information of overseas mutual fund application In addition, the present invention relates to a method of processing a subscription to the foreign mutual fund for automatic currency hedging through mutual exchange and forward exchange transaction concurrently, and a person having ordinary knowledge in the technical field to which the present invention pertains, FIGS. 13A and 13B Reference and / or modification may infer various implementation methods for registering the overseas mutual fund subscription application information from the client terminal to the overseas mutual fund subscription server 900, but the present invention may infer all implementation methods inferred. It is not limited to the embodiment shown in Figures 13a and 13b.

For example, although the method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the overseas mutual fund subscription information and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, the implementation method illustrated in FIGS. 13A and 13B provides a predetermined web provided by the overseas mutual fund subscription server 900 to provide a user interface for the client terminal to input (or select) the overseas mutual fund subscription application information. Although illustrated as being provided through a page, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the overseas mutual fund subscription server 900, whereby the present invention is provided. It is not limited.

Hereinafter, in FIG. 13A and FIG. 13B, the client terminal shown in FIG. 9 is referred to as a "terminal" for convenience, and the overseas mutual fund subscription server 900 shown in FIG. 9 is referred to as a "server" for convenience, and the client The customer information, the foreign mutual fund attribute information, and the forward exchange transaction information transmitted from the terminal to the overseas mutual fund subscription server 900 are referred to as "overseas mutual fund subscription application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 9 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or the IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the overseas When requesting a web page including a user interface for automatic currency hedging through simultaneous signing of mutual funds and forward exchange transactions (1300), the server correspondingly at least one of the customer information, foreign mutual fund attribute information, and futures exchange transaction information. A user interface for inputting (or selecting) foreign mutual fund subscription application information including the above and transmitting the information to the server; Also generates a web page (or extract), and 1305, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station (1310).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the foreign mutual fund subscription information. It is not limited.

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one or more customer information, foreign mutual fund attribute information, and future exchange transaction consent information through a user interface included in the web page (1315).

If the terminal receives (or selects) foreign mutual fund subscription application information including the customer information, foreign mutual fund attribute information, and future exchange transaction agreement information through the user interface (1320), the terminal establishes the communication channel. The input (or selected) customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information are transmitted to the server (1325).

According to the implementation method of the present invention, the terminal for the foreign mutual fund subscription application information from the server to the foreign mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, forward exchange transaction agreement information At least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or a predetermined digital signature is applied to the foreign mutual fund subscription information. In addition, it is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined authentication including at least one encryption key. A certificate, and / or the certificate is a predetermined IC chip (or IC) If provided in the de), preferably it provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), to check the certificate of authentication provided in the IC chip (or IC card) It is preferably provided with a card reader.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the foreign mutual fund subscription application information, and a technique of attaching a predetermined electronic signature to the foreign mutual fund subscription application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the customer information, the foreign mutual fund attribute information, and the future exchange transaction agreement information through the communication channel to confirm the validity of the foreign mutual fund subscription application information (1330).

According to the implementation method of the present invention, the foreign mutual fund subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or, when encrypted with a key exchange-based encryption scheme, the server converts the encrypted foreign mutual fund subscription information into at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or) corresponding to the encryption scheme. Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received foreign mutual fund subscription application information.

Alternatively, when a predetermined electronic signature is attached to the overseas mutual fund subscription application information, the server verifies the electronic signature attached to the overseas mutual fund subscription application information, thereby validating the received foreign mutual fund subscription information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains check the technical features of various decryption methods for decrypting the encrypted overseas mutual fund subscription application information and the electronic signature attached to the foreign mutual fund subscription application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined password for confirming the validity of the foreign mutual fund subscription application information, the server It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the password included in the overseas mutual fund subscription application information and the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the overseas mutual fund subscription application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the overseas mutual fund subscription application information, the server may be configured to provide the overseas foreign fund subscription application information. It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the received security card information included in the mutual fund subscription application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the foreign mutual fund subscription application information, the server may be configured as the foreign mutual. By comparing and authenticating the received OTP code included in the fund subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received foreign mutual fund subscription application information It is desirable to authenticate validity.

According to the implementation method of the present invention, the validity of the foreign mutual fund subscription application information is matched with the foreign mutual fund subscription application information to the ledger D / B (1100) on the financial system linked to the foreign mutual fund subscription system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 1100 on the financial system.

If the validity of the foreign mutual fund subscription application information is not authenticated (1335), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1340), and joins the foreign mutual fund. Do not perform the procedure.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (1335), the server includes at least one or more customer information including the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information A predetermined document content is generated (1345), and a predetermined overseas mutual fund subscription application electronic document including the document content is generated (1350).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction agreement information included in the received overseas mutual fund subscription application information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of the future mutual exchange with the foreign mutual fund.

Alternatively, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information, and the overseas mutual fund in the document content. After including at least one or more of the customer information included in the subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method, and a document file containing the document content including the watermarking (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Electronic documents for signing up for overseas mutual funds for automatic currency hedging through simultaneous closing of transactions It is desirable to.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Processing an image file including an image content (e.g., image content generated by capturing the document content in memory) into an overseas mutual fund subscription application electronic document for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is preferable.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in one image content (for example, image content generated by capturing the document content in memory). After including the watermarking method, it is preferable to process the image file including the image content including the watermarking as an overseas mutual fund subscription application electronic document for automatic currency hedge through simultaneous signing of a futures exchange transaction with the overseas mutual fund. Do.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received foreign mutual fund subscription information. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content (eg, image content generated by capturing the document content on a memory) that captures the document content, or an EDI (Electronic Data Interchange), a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating an overseas currency for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is advisable to process the mutual fund application electronic document.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in one image content (for example, image content generated by capturing the document content in memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file containing at least one DOC or the like, or a web containing MHT By creating a file server, etc.), it is desirable to treat a foreign mutual fund subscription for the electronic document automatically hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information. And a predetermined document file (eg, PDF (Portable Document) including image content (e.g., image content generated by capturing the document content in memory) generated by capturing the document content and the overseas mutual fund subscription application information. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT). It is recommended that the application be processed as an electronic document for signing up for overseas mutual funds for automatic currency hedging. It is right.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in one image content (for example, image content generated by capturing the document content in memory). A document file (for example, a PDF (Portable Document Format) file or an EDI file) including an image content including the watermarking method and generating the image content including the watermarking method and the overseas mutual fund subscription application information. Electronic Data Interchange) files, or at least one file containing HWP / DOC By generating a de-processor file, or a web document file including the MHT), it is preferable to process the foreign mutual fund subscription application electronic document for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document for the application of an overseas mutual fund in the form of an image file and / or a predetermined document file, and the application for joining the overseas mutual fund Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated foreign mutual fund subscription electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 960 and an electronic document D / B 980 associated with a server on the foreign mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 960 through the communication means to store in the electronic document D / B (980) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 980 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the foreign mutual fund subscription electronic document in the electronic document storage may be performed by linking the generated foreign mutual fund subscription electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (980) shown in.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the foreign mutual fund subscription electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information and / or financial information for transmitting the foreign mutual fund subscription application electronic document). Institution information, and / or electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document of the foreign mutual fund subscription application is stored in the electronic document repository (1360), the server is based on the customer information included in the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information In operation 1365, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name A financial account is opened and processed (1370).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B 1100. It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1100 on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server includes the customer information and the future exchange transaction contract information included in the foreign mutual fund subscription application information, and the financial product operation information and the financial account processing unit 940 generated by the information generation unit 935. The foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium 985 (1375).

According to an embodiment of the present invention, when the storage medium 1105 is provided in the server or on a network associated with the server, the server includes the customer included in the received foreign mutual fund subscription application information. Preferably, the storage medium 1105 stores foreign mutual fund subscription information including at least one information, a forward exchange transaction contract information, and at least one financial product operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1105 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generates (or extracts) the details of storing the foreign mutual fund subscription information in the storage medium 1105 and transmits the generated information to the terminal (1380).

According to an embodiment of the present invention, the storage medium 1105 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or linked with the overseas mutual fund subscription system). When the storage medium 1105 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby the invention This is not limited.

According to another method of the present invention, the storage medium 1105 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the foreign mutual fund subscription system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

14A, 14B, and 14C illustrate an overseas mutual fund subscription process for automatic currency hedging through simultaneous signing of a foreign mutual fund and a futures exchange transaction according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case where the foreign mutual fund subscription system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the overseas mutual funds shown in FIG. 9). In the case where the foreign mutual fund subscription server 900 on the fund subscription system is an internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet) and a predetermined customer. After performing the authentication procedure, if the client terminal transmits a predetermined overseas mutual fund subscription application information to the internet banking server to subscribe to an overseas mutual fund for automatic currency hedging through simultaneous conclusion of a futures exchange transaction with the overseas mutual fund, The customer information, foreign mutual fund attribute information, forward exchange transaction agreement in the Internet banking server Technical field to which the present invention belongs to an implementation method for processing the subscription to the foreign mutual fund for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction based on the application information for the subscription of the overseas mutual fund including at least one information. If one of ordinary skill in the art can refer to and / or modify the drawings 14a, 14b, and 14c, various inference methods of registering the foreign mutual fund subscription application information through other types of non-face-to-face financial transaction channels are inferred. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 14A, 14B and 14C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 14A, 14B, and 14C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering an overseas mutual fund subscription application information between the client terminal and the internet banking server based on the browser program is illustrated, general knowledge in the technical field to which the present invention pertains is shown. If you have a reference to the Internet banking-based financial transaction channel connection method using the browser program shown in Figs. 14a, 14b and 14c, and / or modified the image based on a predetermined internet banking program mounted on the client terminal. Client terminal and Although it is possible to infer a method of connecting an Internet banking-based financial transaction channel for registering an overseas mutual fund subscription application information between a net banking server, the present invention provides an internet banking-based financial transaction provided based on the internet banking program. It includes, but the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 14a, 14b and 14c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial transactions channels for registration of foreign mutual fund subscription information. The invention includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention. This is not limited to the case of the Internet banking shown in Figs. 14A, 14B and 14C.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following figures 14a, 14b and 14c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the overseas mutual fund subscription server 900 is referred to as " server " for convenience.

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. It means that a predetermined communication session is allocated so that the provided browser program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1415a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1420a).

If the terminal does not need to install and / or update the latest version of the internet banking security module (1425a), or if the terminal does not need to install and / or update the internet banking security module (1415a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1430a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and is provided from the terminal to the server for registration of foreign mutual fund subscription information. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of foreign mutual fund subscription information. Attach a certain electronic signature to the information (or data) to be provided and / or When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1435a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, and the server includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data. Data is preferably transmitted electronically and / or encrypted over the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1440a), the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1445a).

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers a predetermined overseas mutual fund subscription application information for automatic currency hedging through simultaneous signing of an international mutual fund and a forward exchange transaction from the terminal to the server.

Subsequently, when the terminal requests a webpage including a user interface for automatic currency hedging through simultaneous signing of the foreign mutual fund and a forward exchange transaction to the server through an internet banking-based financial transaction channel (1400b), the server correspondingly Generates a web page including a user interface for inputting (or selecting) foreign mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and future exchange transaction agreement information to the server ( Or 1405b), and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1410b).

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) foreign mutual fund subscription application information including at least one of customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information in the terminal. And / or predetermined password and / or security card information (e.g., in the process of applying for internet banking) to verify the validity of the Internet banking customer requesting to register the foreign mutual fund subscription application information. The security card information printed on the security card issued to the user and / or the one time password (OTP) (e.g., during the internet banking application process (or after an internet banking application) And a user interface for entering a one-time password generated via Is preferred.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times in accordance with the foreign mutual fund subscription information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) foreign mutual fund subscription application information including at least one of the customer information, the foreign mutual fund attribute information, and the forward exchange transaction agreement information through the financial product subscription interface (1415b).

If the terminal inputs (or selects) foreign mutual fund subscription application information including the customer information, foreign mutual fund attribute information, and future exchange transaction agreement information through the user interface (1420b), the terminal transmits the financial transaction channel. The input (or selection) of the foreign mutual fund subscription application information is transmitted to the server (1425b).

According to the implementation method of the present invention, the terminal for the foreign mutual fund subscription application information from the server to the foreign mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, forward exchange transaction agreement information At least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or a predetermined digital signature is applied to the foreign mutual fund subscription information. In addition, it is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or includes a predetermined at least one encryption key. An official certificate is provided, and / or the official certificate has a predetermined IC chip (or IC If provided in the de), preferably it provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption) for overseas mutual fund subscription application information including at least one of the customer information, foreign mutual fund attribute information, and forward exchange transaction agreement information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), for checking the official certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the foreign mutual fund subscription application information, and a technique of attaching a predetermined electronic signature to the foreign mutual fund subscription application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the foreign mutual fund subscription application information through the financial transaction channel to confirm the validity of the foreign mutual fund subscription application information (1430b).

According to the implementation method of the present invention, the foreign mutual fund subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or a key exchange-based encryption scheme, etc., the server converts the encrypted foreign mutual fund subscription information into at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public) corresponding to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received overseas mutual fund subscription application information.

Alternatively, when a predetermined electronic signature is attached to the overseas mutual fund subscription application information, the server verifies the electronic signature attached to the overseas mutual fund subscription application information, thereby validating the received foreign mutual fund subscription information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains check the technical features of various decryption methods for decrypting the encrypted overseas mutual fund subscription application information and the electronic signature attached to the foreign mutual fund subscription application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined password for confirming the validity of the foreign mutual fund subscription application information, the server It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the password included in the overseas mutual fund subscription application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the overseas mutual fund subscription application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the overseas mutual fund subscription application information, the server may be configured to provide the overseas foreign fund subscription application information. It is preferable to authenticate the validity of the received overseas mutual fund subscription application information by comparing and authenticating the received security card information included in the mutual fund subscription application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the foreign mutual fund subscription application information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the foreign mutual fund subscription application information, the server may be configured as the overseas foreign fund subscription application information. Comparing and authenticating the received OTP code included in the mutual fund subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received overseas mutual fund subscription application information. It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validity of the foreign mutual fund subscription application information is matched with the foreign mutual fund subscription application information to the ledger D / B (1100) on the financial system linked to the foreign mutual fund subscription system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the overseas mutual fund subscription application information may be determined by incorporating the customer information (customer personal information, member information, etc.) among the information included in the overseas mutual fund subscription application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 1100 on the financial system.

If the validity of the foreign mutual fund subscription application information is not authenticated (1435b), the server generates a web page including predetermined financial product error information and transmits the webpage to the terminal (1440b), and the foreign mutual fund Do not perform the sign up process.

On the other hand, if the validity of the overseas mutual fund subscription application information is authenticated (1435b), the server includes at least one or more customer information including the foreign mutual fund subscription application information, foreign mutual fund attribute information, forward exchange transaction information A predetermined document content is generated (1445b), and a predetermined overseas mutual fund subscription application electronic document including the document content is generated (1450c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and future exchange transaction agreement information included in the received overseas mutual fund subscription application information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an electronic document for signing up for an overseas mutual fund for automatic currency hedging through simultaneous signing of the future mutual exchange with the foreign mutual fund.

Alternatively, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information, and the overseas mutual fund in the document content. After including at least one or more of the customer information included in the subscription application information, foreign mutual fund attribute information, forward exchange transaction agreement information in a watermarking method, and a document file containing the document content including the watermarking (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Electronic document for signing up for overseas mutual fund for automatic currency hedging through simultaneous transaction It is preferable to.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Processing an image file including an image content (e.g., image content generated by capturing the document content in memory) into an overseas mutual fund subscription application electronic document for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is preferable.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in one image content (for example, image content generated by capturing the document content in memory). After including the watermarking method, it is preferable to process the image file including the image content including the watermarking as an overseas mutual fund subscription application electronic document for automatic currency hedge through simultaneous signing of a futures exchange transaction with the overseas mutual fund. Do.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction agreement information included in the received overseas mutual fund subscription application information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including image content (eg, image content generated by capturing the document content in a memory) that captures the document content. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby creating an overseas mutual fund for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is advisable to process the fund application electronic documents.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in one image content (for example, image content generated by capturing the document content in memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file containing at least one DOC or the like, or a web containing MHT By creating a file server, etc.), it is desirable to treat a foreign mutual fund subscription for the electronic document automatically hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, overseas mutual fund attribute information, and futures exchange transaction information included in the received overseas mutual fund subscription application information. And a predetermined document file (eg, PDF (Portable Document) including image content (e.g., image content generated by capturing the document content in memory) generated by capturing the document content and the overseas mutual fund subscription application information. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT). Electronic documents for signing up for overseas mutual funds for automatic currency hedging through simultaneous signing should be processed as electronic documents. Preferable.

Alternatively, the server generates document content including at least one of customer information, foreign mutual fund attribute information, and future exchange transaction information included in the received foreign mutual fund subscription application information, and captures the document content. Water information of at least one of the customer information included in the overseas mutual fund subscription application information, the foreign mutual fund attribute information, and the information on the forward exchange transaction in one image content (for example, image content generated by capturing the document content in memory). Generate image content including a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file containing the watermarking image content and the foreign mutual fund subscription information). Data Interchange) file or at least one file containing HWP / DOC By creating a processor files, or web document MHT file that contains etc), it is desirable to treat a foreign mutual fund subscription for the electronic document automatically hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an application for subscription of foreign mutual funds in the image file format and / or a predetermined document file format, and the foreign mutual fund subscription application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated overseas mutual fund subscription electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 960 and an electronic document D / B 980 associated with a server on the foreign mutual fund subscription system through predetermined communication means. When provided to the outside, the server preferably transmits the generated foreign mutual fund subscription application electronic document to the electronic document server 960 through the communication means to store in the electronic document D / B (980) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the overseas mutual fund subscription system, the server sends the generated foreign mutual fund subscription application electronic document to the DBMS provided in the foreign mutual fund subscription system. It is possible to store in the electronic document D / B 980 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the foreign mutual fund subscription electronic document in the electronic document storage may be performed by linking the generated foreign mutual fund subscription electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (980) shown in.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the overseas mutual fund subscription electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic document for applying for the overseas mutual fund subscription.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information and / or financial information for transmitting the foreign mutual fund subscription application electronic document). Institution information, and / or electronic document file format information, and / or the foreign mutual fund subscription application information).

If the electronic document of the foreign mutual fund subscription application is stored in the electronic document repository (1460c), the server is based on the customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, forward exchange transaction information In operation 1465c, predetermined financial product management information corresponding to the foreign mutual fund is generated.

According to an embodiment of the present invention, if the foreign mutual fund is at least one fund-related product, the server is based on the customer information, foreign mutual fund attribute information, forward exchange transaction information contained in the foreign mutual fund subscription information It is preferable to generate beneficiary certificate information corresponding to the foreign mutual fund (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period, etc.) corresponding to the fund.

According to another exemplary embodiment of the present invention, if the foreign mutual fund is at least one deposit / saving product, the server may include customer information included in the foreign mutual fund subscription information, foreign mutual fund attribute information, and future exchange transaction information. Deposit information (or savings information) corresponding to the foreign mutual fund on the basis of, for example, an account number corresponding to a predetermined deposit / storage and a deposit including an interest (or interest rate) corresponding to the deposit / storage and a subscription period ( Or red gold) properties.

Thereafter, the server is linked to the financial system in accordance with the customer information included in the foreign mutual fund subscription application information, the foreign mutual fund attribute information, forward exchange transaction agreement information including the financial product management information of the customer name Open and process financial accounts (1470c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the foreign mutual fund subscription application information. It is characterized in that the opening of a predetermined financial account for automatic currency hedging through the simultaneous signing of the foreign mutual fund and the futures exchange transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server is linked to the financial system in a predetermined account including the financial product operation information in the ledger D / B 1100. It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1100 on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server includes the customer information and the future exchange transaction contract information included in the foreign mutual fund subscription application information, and the financial product operation information and the financial account processing unit 940 generated by the information generation unit 935. The foreign mutual fund subscription information including at least one generated financial account information is stored in a predetermined storage medium 985 (1475c).

According to an embodiment of the present invention, when the storage medium 1105 is provided in the server or on a network associated with the server, the server includes the customer included in the received foreign mutual fund subscription application information. Preferably, the storage medium 1105 stores foreign mutual fund subscription information including at least one information, a forward exchange transaction contract information, and at least one financial product operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1105 is provided in a DBMS provided on a financial system, the server exchanges the customer information and a forward exchange transaction contract included in the received foreign mutual fund subscription application information. It is preferable to provide foreign mutual fund subscription information including at least one information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and to store it in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the overseas mutual fund, and / or details of storing the foreign mutual fund subscription application electronic document in the electronic document repository, And / or generate (or extract) details of storing the foreign mutual fund subscription application information in the storage medium 1105 and transmit the generated information to the terminal (1480c).

According to an embodiment of the present invention, the storage medium 1105 is preferably provided in a DBMS on a financial system provided on the overseas mutual fund subscription system (or linked with the overseas mutual fund subscription system). When the storage medium 1105 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby the invention This is not limited.

According to another method of the present invention, the storage medium 1105 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the foreign mutual fund subscription system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

15 is a diagram illustrating a forward exchange transaction contract processing process for automatic currency hedging through simultaneous signing of pre-exchange transactions with foreign mutual funds in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 15, the terminal apparatus 990 on the overseas mutual fund subscription system shown in FIG. 9 is a client terminal, and the overseas mutual fund subscription server 900 is accessible to a client terminal through a predetermined network means. In the case of having a web server function, the customer information, overseas mutual fund attribute information, futures exchange through the client terminal in order for a predetermined customer to join an overseas mutual fund for automatic currency hedging through simultaneous conclusion of a futures exchange transaction with an overseas mutual fund. If the foreign mutual fund subscription application information including at least one transaction agreement information is provided, the foreign mutual fund subscription information is processed in response to the foreign mutual fund subscription application information, and the forward exchange subscription agreement included in the foreign mutual fund subscription information is provided. When entering into forward exchange contract in response to information Regarding the operation flow of the system, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the foreign mutual fund subscription server 900 from the client terminal to the foreign mutual fund subscription server 900 by referring to and modifying the drawing 15. Although it is possible to infer various implementation methods for providing a subscription information to an overseas mutual fund and signing a forward exchange transaction contract in response to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information, the present invention infers the above. It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

In addition, in FIG. 15, when the overseas mutual fund subscription system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e., the overseas mutual fund on the overseas mutual fund subscription system shown in FIG. 9) In the case where the subscription server 900 is an Internet banking server), after the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure, When the client terminal transmits a predetermined overseas mutual fund subscription application information to the internet banking server in order to subscribe to an overseas mutual fund for automatic currency hedging through simultaneous signing of a foreign exchange fund with the foreign mutual fund, the customer is transferred from the internet banking server. Information, at least one foreign mutual fund attribute, and information on futures exchange transactions. Based on the application information of the foreign mutual fund subscription, the foreign mutual fund for automatic currency hedging through the simultaneous signing of the future mutual exchange with the foreign mutual fund is processed, and in response to the information of the future exchange transaction included in the foreign mutual fund subscription application If the person of ordinary skill in the technical field to which the present invention belongs to the execution method for signing a forward exchange transaction contract, refer to and modify this figure 15 to apply for subscription to the foreign mutual fund through another kind of non-face-to-face financial transaction channel It is possible to infer various implementation methods for providing information and joining an overseas mutual fund and concluding a forward exchange transaction contract in response to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information. The seal shown in this figure 15, including all implementation methods. It is not limited in this way.

For example, although the implementation method illustrated in FIG. 15 includes a process of generating a predetermined electronic document corresponding to the forward exchange transaction contract application information and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

Hereinafter, the foreign mutual fund subscription server 900 shown in FIG. 9 is referred to as a "server" in FIG. 15 for convenience, and the customer information and the present exchange are transmitted from the counter terminal to the overseas mutual fund subscription server 900. The transaction contract attribute information and transaction cost information are referred to as "forward exchange transaction contract application information" for convenience.

In response to the overseas mutual fund subscription application information including at least one of customer information, foreign mutual fund subscription information, and futures exchange subscription agreement information, the server confirms the future exchange subscription agreement information included in the foreign mutual fund subscription application information ( 1500).

The futures exchange subscription agreement information is visited by the customer at a window provided in a predetermined financial institution, to fill out a predetermined subscription application to join a predetermined fund product, and subscribe to the fund product in response to the subscription application, By joining the fund product, foreign mutual funds are invested by foreign currency rather than domestic currency, so when converting into foreign currency, the value of domestic currency at the time of expiration of the fund product due to exchange rate fluctuation In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include the consent information on the forward exchange transaction to prevent the loss of the exchange rate through the forward exchange transaction.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The futures exchange contract information is when the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to join a predetermined fund product, and subscribes to the fund product in response to the subscription application. By joining the fund products, foreign mutual funds are invested by foreign currency rather than domestic currency. Therefore, when foreign currency is exchanged, the domestic currency value rises when the fund product expires due to exchange rate fluctuation. Alternatively, in order to prevent damage caused by the exchange rate due to the depreciation of the foreign currency value, it is preferable to include the information in which the forward exchange transaction contract is concluded in response to the forward exchange subscription agreement for preventing the loss of the exchange rate through the forward exchange transaction.

If there is no forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the overseas mutual fund subscription application information (1505), the server generates (extracts) notification information indicating that there is no forward exchange subscription agreement and transmits it to the terminal. (1510), the server generates overseas mutual fund subscription confirmation information corresponding to the overseas mutual fund subscription application information (1535), and in connection with the issuing processing device for the contract confirmation corresponding to the overseas mutual fund subscription confirmation information in the server; Output 1540.

On the other hand, when there is a forward exchange subscription agreement corresponding to the forward exchange subscription agreement information included in the foreign mutual fund subscription application information (1505), the server includes at least one of customer information, forward exchange transaction attribute information, and transaction cost information. In response to the forward exchange transaction contract application information, the forward exchange transaction contract is processed to store the forward exchange transaction contract information corresponding to the processed transaction contract (1513).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the overseas mutual fund subscription system in response to the customer. It is preferable to make it.

The forward exchange transaction contract attribute information may be obtained when a customer visits a window provided at a predetermined financial institution, prepares a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application. In the case of an overseas mutual fund, investment is made by foreign currency rather than domestic currency by joining the fund product, and when the foreign currency is exchanged into the foreign currency, the domestic currency value at the expiration of the fund product due to the exchange rate fluctuation. In order to prevent damage caused by the exchange rate due to an increase or a decrease in the value of foreign currency, it is preferable to include information on which a forward exchange transaction contract is concluded in response to the forward exchange transaction agreement information for preventing a loss on the exchange rate through a forward exchange transaction.

The transaction cost information When the customer visits a window provided in a predetermined financial institution, fills out a predetermined subscription application to subscribe to a predetermined fund product, and subscribes to the fund product in response to the subscription application, the fund By joining a product, an overseas mutual fund is invested by foreign currency rather than domestic currency. Therefore, in order to hedge the foreign exchange risk caused by the exchange rate difference between the foreign currency and the domestic currency, the transaction at the time of joining the overseas mutual fund is performed. It is desirable to include cost information for futures exchange contracts that correspond to costs.

Subsequently, the server generates predetermined document contents including at least one or more customer information, forward exchange transaction attribute information, and transaction cost information included in the forward exchange transaction contract application information, and includes a predetermined future exchange transaction including the document contents. Create a contract application electronic document (1515).

According to an exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received overseas mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. A web file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including a document file including the document content, or an MHT. Document file, etc.) is preferably processed as a forward exchange transaction contract application electronic document for automatic currency hedging through simultaneous conclusion of a forward exchange transaction with the foreign mutual fund.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a futures exchange contract application associated with the customer information, and the document content may include the overseas content. After including the customer information included in the mutual fund subscription application information, and at least one or more of the information on the future exchange contract application information associated with the customer information (Watermarking) method, and including the document content including the watermarking The document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT) Electronic document application for forward exchange transaction contract for automatic currency hedging through simultaneous exchange of future mutual funds with overseas mutual funds. It is preferable to process.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( Process an image file including captured image contents (e.g., image contents generated by capturing the document contents in a memory) into an electronic document for requesting a forward exchange transaction contract for automatic currency hedging by simultaneously executing a forward exchange transaction with the foreign mutual fund. It is desirable to.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (for example, image content generated by capturing the document content in memory), and forward exchange transaction contract application information associated with the customer information. After the above information is included in a watermarking method, an image file including the image content including the watermarking is processed as a forward exchange transaction contract application electronic document for automatic currency hedging by simultaneously executing a forward exchange transaction with the overseas mutual fund. It is desirable to.

According to another exemplary embodiment of the present invention, the server generates document content including at least one customer information included in the received foreign mutual fund subscription application information and forward exchange transaction contract application information associated with the customer information. And a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a Portable Document Format) file) including image content (e.g., image content generated by capturing the document content on a memory). Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), for automatic currency hedging through simultaneous signing of a futures exchange transaction with the foreign mutual fund. It is desirable to process the forward exchange transaction contract application electronic document.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (for example, image content generated by capturing the document content in memory), and forward exchange transaction contract application information associated with the customer information. Generate image contents including the above information by a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) containing the image contents including the watermarking. File, or a word processor file containing at least one of HWP / DOC, etc., or an MHT. By creating such a web document file), it is desirable to process electronic documents into forward exchange contracts apply for auto hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

According to another exemplary embodiment of the present invention, the server may include document content including at least one customer information included in the received overseas mutual fund subscription application information, and at least one forward exchange transaction contract application information associated with the customer information. A predetermined document file (e.g., PDF) including image content (e.g., image content generated by capturing the document content in memory) and the overseas mutual fund subscription application information generated by the document content; A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). We recommend that you process the futures exchange transaction contract electronic document for automatic currency hedging through simultaneous transaction. It is.

Alternatively, the server may generate document content including at least one customer information included in the received foreign mutual fund subscription application information and information on a forward exchange transaction contract application information associated with the customer information, and capture the document content ( At least one of customer information included in the overseas mutual fund subscription application information in the captured image content (for example, image content generated by capturing the document content in memory), and forward exchange transaction contract application information associated with the customer information. Generating an image content including the above information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file, including the image content including the watermarking and the overseas mutual fund subscription information), Or at least one Electronic Data Interchange (EDI) file or HWP / DOC. By creating such a web document file) that includes a word processor file, or to MHT, it is desirable to process electronic documents into forward exchange contracts apply for auto hwanheji through the foreign mutual funds and futures transactions concluded simultaneously.

Those skilled in the art to which the present invention pertains include technical features that the server generates a forward exchange transaction contract application electronic document in an image file format and / or a predetermined document file format, and the forward exchange transaction contract application electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated futures exchange contract application electronic document in a predetermined electronic document storage (1520).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 960 and an electronic document D / B 980 associated with a server on the foreign mutual fund subscription system through predetermined communication means. When provided externally, the server preferably transmits the generated forward exchange transaction contract application electronic document to the electronic document server 960 via the communication means to store the electronic document D / B (980). .

Or, if the electronic document storage is provided on the DBMS provided in the foreign mutual fund subscription system, the server is the electronic document on the DBMS provided in the foreign mutual fund subscription system to the generated future exchange transaction application electronic document It is possible to store in the electronic document D / B 980 corresponding to the storage, by which the present invention is not limited.

According to the implementation method of the present invention, storing the futures exchange transaction contract application electronic document in the electronic document storage, as shown in Figure 9 by linking the generated futures exchange contract application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (980).

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the forward exchange transaction contract application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the future exchange transaction contract application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the foreign mutual fund subscription application information, and / or a financial institution that transmits the forward exchange transaction contract application electronic document). Information, and / or the electronic document file format information, and / or the foreign mutual fund subscription application information).

If the forward exchange transaction contract application electronic document is stored in the electronic document repository (1525), the server generates forward exchange transaction contract confirmation information corresponding to the forward exchange transaction contract application information (1530), and joins an overseas mutual fund in the server. The foreign mutual fund subscription confirmation information corresponding to the application information is generated (1535).

Thereafter, the server outputs the contract confirmation corresponding to the futures exchange transaction contract confirmation information and the contract confirmation corresponding to the foreign mutual fund subscription confirmation information in association with at least one issuing processing device (1540).

FIG. 16 is a diagram illustrating a face-to-face repurchase application information registration system for automatic calculation of a swap point for a futures exchange transaction contract during an overseas mutual fund repurchase process according to one embodiment of the present invention.

In more detail, FIG. 16 illustrates that when a predetermined customer fills out and submits a redemption application including at least one customer information and a redemption request information for automatic calculation of a swap point for a futures exchange transaction when a foreign mutual fund redemption is processed. The counter terminal acquires predetermined image contents corresponding to the redemption application through a predetermined image acquisition device, and the redemption application information corresponding to the redemption application and the redemption application through the predetermined information registration interface. When providing the image content obtained from the, a predetermined repurchase request electronic document containing the image content is generated and stored in a predetermined electronic document storage, the customer information included in the repurchase request information, repurchase request information is linked System to process and store in the predetermined storage medium 1690 As to the configuration, it is for the embodiment method that specifically the electronic document repository is provided on an external system linked to the redemption request information registration system through a predetermined communication means.

For those of ordinary skill in the art to which the present invention pertains, reference to and / or modification of this drawing 16 will be described for the construction of a repurchase application information registration system for automatic calculation of a swap point for a forward exchange transaction contract when processing an overseas mutual fund repurchase. Various implementation methods 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.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the repurchase application information registration system. As will be appreciated, the present invention includes all implementation methods inferred and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 16, although it demonstrates and demonstrates generating the repurchase request electronic document corresponding to the said repurchase application in the server side on the said repurchase request information registration system, it is limited by this invention. Never, the repurchase request electronic document may be generated on a terminal side that has acquired image content corresponding to the repurchase application through a predetermined image obtaining apparatus (for example, the electronic document generating function provided on the server side is the terminal side). To generate the repurchase request electronic document), whereby the present invention is not limited.

Hereinafter, by receiving a repurchase request information and image content corresponding to the repurchase request prepared by the customer through a predetermined information registration interface on the repurchase request information registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations that are stored in the former consultancy repository and store the repurchase application information in a predetermined storage medium 1690 are referred to as "information registration server 1600" for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, a repurchase application information registration system for automatically calculating a swap point for a future exchange transaction contract when the foreign mutual fund repurchase process is performed may be performed at least one branch of a financial institution (or a branch). And an information registration terminal 1699 including a counter terminal provided. The information registration terminal 1699 includes an information registration server provided on the repurchase application information registration system through a predetermined financial network. 1600 and a communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (office) for automatic calculation of a swap point for a future exchange transaction contract when the foreign mutual fund redemption process is performed, and is provided at the financial institution branch (the sales office). A pre-purchase repurchase application for the automatic calculation of a swap point for a forward exchange transaction contract when the foreign mutual fund redemption is processed through a designated counter (or through a teller) (e.g., a swap point for a forward exchange transaction contract when processing the foreign mutual fund repurchase process) A document with a form for filling in at least one information item for automatic calculation), wherein the customer is to seal the customer's seal for legal reasons for the redemption application.

Subsequently, when the customer submits the completed repurchase application to the teller, the teller scans the repurchase application through a predetermined image acquisition device to obtain predetermined image content, and the repurchase application through a predetermined teller terminal. Input (or select) the repurchase request information including at least one of the image content acquired in response to the repurchase request, the customer information written in the repurchase application, and the repurchase request information, and correspondingly, the counter terminal requests the image content and the repurchase request. It is preferable to transmit the information to the information registration server 1600 provided on the repurchase application information registration system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 1600 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (for example, a ledger server, etc.), and the financial network connecting the teller terminal and the information registration server 1600 connects the communication channel between the teller terminal and the information registration server 1600. It is preferable to comprise a network.

In the repurchase application information registration system as described above, the image acquisition device for acquiring the image content corresponding to the repurchase application prepared by the customer, the teller terminal used by the employee and the teller terminal and the information registration server 1600 The connecting financial network performs a function of an information registration interface for registering the repurchase application information for the customer to automatically calculate a swap point for a futures exchange transaction when the foreign mutual fund repurchase process is performed.

The storage medium 1690 provided on the repurchase request information registration system according to the present invention is a predetermined process by linking the customer information and the repurchase request information included in the repurchase request information provided from the information registration terminal 1699. It is characterized in that the storage in the storage medium (1690).

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

According to an embodiment of the present invention, the storage medium 1690 is preferably provided in a DBMS on a financial system provided on the redemption request information registration system (or associated with the redemption request information registration system). At this time, the storage medium 1690 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1690 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the redemption request information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The information registration server 1600 provided on the repurchase request information registration system according to the present invention is a generic term for the repurchase request information registration system side components connected to the information registration terminal 1699 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 1699 is a teller terminal connected to a predetermined financial network, the information registration server 1600 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided in and / or a server (or device) provided in the external world on the financial system, and / or a program provided in the external world on the financial system, whereby the present invention is limited Not.

According to an exemplary embodiment of the present invention, the information registration server 1600 includes an interface unit 1605 for connecting and managing a predetermined communication channel with the information registration terminal 1699 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 1699 is a window terminal that is connected to a predetermined financial network, the interface unit 1605 may select the window terminal and the predetermined window based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 16, when the predetermined information registration terminal 1699 connects a predetermined communication channel with the information registration server 1600 through the interface unit 1605, the information registration server 1600 may receive the foreign information. Acquiring image contents corresponding to a redemption application written by the customer through a predetermined image acquisition device provided in the information registration terminal 1699 for automatic calculation of a swap point for a future exchange transaction contract during mutual fund redemption processing, and repurchase Generate (or extract) at least one user interface for inputting (or selecting) repurchase application information corresponding to the application and transmitting the information to the information registration server 1600, and generating the at least one user interface in association with the interface unit 1605. Or an interface providing unit 1610 for providing the extracted user interface to the information registration terminal 1699 and the information registration terminal 1699. If the user inputs (or selects) the repurchase request information corresponding to the repurchase application through a user interface, and receives the repurchase request information transmitted from the information registration terminal 1699 in association with the interface unit 1605. When the information receiving unit 1615 and the information registration terminal 1699 acquire and transmit image contents corresponding to the repurchase application written by the customer through a predetermined image obtaining apparatus based on the user interface, the interface unit 1605. And an image receiving unit 1620 that receives image contents corresponding to the redemption application.

The interface providing unit 1610 connects a predetermined communication channel with the information registration server 1600 through the interface registration unit 1605, and then sends the information registration server 1600 to the information registration server 1600. When requesting a user interface for automatic calculation of a swap point for a futures exchange transaction contract in an overseas mutual fund redemption process, an image corresponding to the redemption application prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 1699 Generate at least one user interface for acquiring content, inputting (or selecting) repurchase application information corresponding to the repurchase application, and transmitting the repurchase application information to the information registration server 1600 via the financial network; Extracted from the database (not shown) of the user interface, and the user interface generated (or extracted) in conjunction with the interface unit 1605 And the device is characterized in that provided in the information registering terminal (1699) through the financial network.

According to another embodiment of the present invention, the information registration terminal 1699 acquires image contents corresponding to the redemption application written by the customer through a predetermined image acquisition device, and inputs redemption application information corresponding to the redemption application ( Or a predetermined information registration program having at least one user interface to transmit the information registration server 1600 to the information registration server 1600 through the financial network. Obtain (or extract) image content corresponding to the repurchase application, and generate (or extract) a user interface for inputting (or selecting) repurchase application information corresponding to the repurchase application to the information registration server 1600, and The interface providing unit 1610 provided to the information registration terminal 1699 may be omitted, Thereby, this invention is not limited.

Thereafter, the information registration terminal 1699 inputs (or selects) the redemption request information including at least one of the customer information and the redemption request information through the user interface, and inputs the input (or selected) redemption request information. The information receiving unit 1615 transmits the repurchase request information transmitted from the information registration terminal 1699 in association with the interface unit 1605 through the financial network to the information registration server 1600. It is characterized by receiving.

In addition, the information registration terminal 1699 obtains the image content corresponding to the repurchase application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 1620 receives the image content corresponding to the redemption application in association with the interface unit 1605.

According to another exemplary embodiment of the present invention, the information registration terminal 1699 acquires image content corresponding to the repurchase application written by the customer through a predetermined image acquisition device, and is provided to the information registration terminal 1699 ( Or, if the information is stored in a predetermined storage device, the information registration terminal 1699 is the image content corresponding to the repurchase application written by the customer of the at least one or more image content previously stored in the storage device through the user interface Select and transmit to the information registration server 1600 through the financial network. In response thereto, the image receiving unit 1620 receives the image contents corresponding to the redemption application in association with the interface unit 1605. desirable.

According to another embodiment of the present invention, when the information registration terminal 1699 transmits the image content corresponding to the redemption application written by the customer and the redemption application information corresponding to the redemption application through the user interface, The information receiving unit 1615 may receive image content corresponding to the redemption application and redemption application information together with the interface unit 1605 (eg, the image receiving unit 1620 includes the image receiving unit 1615). Integrated operation), whereby the present invention is not limited.

Referring to FIG. 16, when the information registration server 1600 receives the repurchase request information transmitted from the information registration terminal 1699 through the information receiving unit 1615, the received repurchase request information is transmitted to the overseas mutual. It is characterized in that it is provided with a validity check unit 1625 that checks whether the validity for the automatic calculation of the swap point for the future exchange transaction contract when the fund repurchase process.

According to the method of the present invention, the validity of the redemption request information is determined whether at least one ledger information matching the redemption request information is registered in the ledger D / B on the financial system associated with the redemption request information registration system. It is preferable to include checking.

For example, the validity confirming unit 1625 may include, among the information included in the repurchase request information, the customer information (customer personal information, member information, etc.) of the ledger D / B on the financial system associated with the repurchase request information registration system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity of the financial product account information included in the financial product information of the repurchase request information, the financial product account information included in the financial product information is the ledger D / B on the financial system linked to the repurchase application information registration system It is preferable to include a check including a match with the account ledger stored in.

Referring to FIG. 16, the information registration server 1600 receives the image content transmitted from the information registration terminal 1699 through the image receiving unit 1620, and repurchases the image through the validity checking unit 1625. When the validity of the application information is authenticated, the electronic document generation unit 1630 for generating a predetermined repurchase request electronic document including the received image content, and the repurchase request electronic document and the repurchase request information registration system; And an electronic document transmission unit 1635 for transmitting to the associated electronic document storage.

The electronic document generating unit 1630 generates a repurchase request electronic document including the image content received from the information registration terminal 1615 through the image receiving unit 1620.

According to an embodiment of the present invention, the electronic document generating unit 1630 is an image file including the image content received from the information registration terminal 1699 through the image receiving unit 1620 as it is the overseas mutual fund When processing a redemption, it is desirable to process the redemption request electronic document for automatic calculation of a swap point for a forward exchange transaction contract.

Alternatively, the electronic document generating unit 1630 includes the image content received from the information registration terminal 1699 through the image receiving unit 1620 included in the repurchase request information received through the information receiving unit 1615. Electronic document for repurchase request for automatic calculation of swap point for future exchange transaction contract when processing foreign fund repurchase of image file corresponding to image content including at least one of information and repurchase request information by watermarking method It is preferable to generate.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1630 includes a predetermined document file including the image content received from the information registration terminal 1699 through the image receiving unit 1620. The foreign mutual fund by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate a redemption request electronic document for the automatic calculation of swap points for a forward exchange transaction during a redemption process.

Alternatively, the electronic document generating unit 1630 includes the image content received from the information registration terminal 1699 through the image receiving unit 1620 included in the repurchase request information received through the information receiving unit 1615. Generating an image content including at least one of information and repurchase request information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby swapping a forward exchange transaction contract when the foreign mutual fund is redeemed. It is desirable to generate a redemption request electronic document for automatic point calculation.

According to another embodiment of the present invention, the electronic document generating unit 1630 is the image content received from the information registration terminal 1699 through the image receiving unit 1620 and through the information receiving unit 1615 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received repurchase request information, or an MHT; By generating a web document file, etc.), it is preferable to generate a repurchase request electronic document for automatic calculation of a swap point for a futures exchange transaction contract during the foreign mutual fund repurchase process.

Alternatively, the electronic document generating unit 1630 includes the image content received from the information registration terminal 1699 through the image receiving unit 1620 included in the repurchase request information received through the information receiving unit 1615. Generates image content including at least one of information and repurchase request information in a watermarking manner, and includes a predetermined document file (eg, PDF (Portable Document) including the generated image content and the repurchase request information. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT). It is desirable to create a repurchase request electronic document for automatic calculation of swap points for a trading contract.

In the technical field to which the present invention pertains, technical features of the electronic document generating unit 1630 for generating a repurchase request electronic document in an image file format and / or a predetermined document file format, and the repurchase request Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 1635 transmits and stores the redemption request electronic document generated by the electronic document generation unit 1630 to a predetermined electronic document repository associated with the redemption request information registration system. .

As shown in FIG. 16, the electronic document repository is connected to an information registration server 1600 on the repurchase request information registration system through a predetermined communication means and a predetermined electronic document server 1665 and an electronic document D / B ( 1685, the electronic document transmission unit 1635 transmits the redemption request electronic document generated by the electronic document generation unit 1630 through the communication means. It characterized in that the transmission to.

Here, when the electronic document server 1665 and the electronic document D / B 1685 are provided outside the redemption request information registration system, the electronic document server 1665 and the electronic document D / B 1685 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the repurchase request information registration system, the electronic document transmitting unit 1635 is generated by the electronic document generating unit 1630. The repurchase request electronic document can be stored in the electronic document D / B 1685 corresponding to the electronic document storage on the DBMS provided in the repurchase request information registration system, and thus the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 1635 is electronic document related information for generating predetermined electronic document management information in the electronic document server (1665) (for example, repurchase application corresponding to the image content) And the financial institution information for transmitting the repurchase request electronic document, and / or the electronic document file format information, and / or the repurchase request information, etc.). It is possible, and the invention is not limited thereby.

Referring to FIG. 16, the information registration server 1600 swaps a repurchase request information received through the information receiving unit 1615 for a forward exchange transaction contract when the foreign mutual fund repurchase process is processed through the validity checking unit 1625. When the validity for automatic point calculation is authenticated, an information storage unit 1640 is configured to process the customer information and the repurchase request information included in the repurchase request information for which the validity is authenticated, and store them in a predetermined storage medium 1690. Characterized in that made.

When the validity of the repurchase request information is confirmed by the validity checker 1625, the information storage unit 1640 processes the customer information and the repurchase request information included in the repurchase request information in association with the storage medium 1690. And the storage medium 1690 provided in the information registration server 1600 or on the network associated with the information registration server 1600. ) Is preferably stored in the storage medium 1690 by linking the customer information and the repurchase request information included in the received repurchase request information, the storage medium 1690 is provided in the DBMS provided on the financial system If the information is stored, the information storage unit 1640 provides the customer information and the repurchase request information included in the received repurchase request information to the information system through the external system on the financial system to the financial system. It is preferable to store in the provided DBMS.

Referring to FIG. 16, the information registration server 1600 corresponds to the information storage unit 1640 and corresponds to customer information and repurchase request information included in the repurchase request information stored in the information storage unit 1640. When the redemption approval information is confirmed by the information confirming unit 1645 and the information confirming unit 1645 confirming the repurchase approval information corresponding to the financial product included in the repurchase request information, the repurchase approval information checking result In response to the repurchase date information included in the repurchase request information stored in the information storage unit 1640, to change the future exchange transaction contract expiration date for the future exchange transaction contract corresponding to the repurchase date, and change the future exchange transaction contract Corresponds to the forward exchange transaction contract processing unit 1650 and the forward exchange transaction contract processing unit 1650 for processing the forward exchange transaction contract on the basis of the day. The contract confirmation issuing processing unit 1655 for processing issuance of the forward exchange transaction contract confirmation in connection with the contract confirmation issuing processing device for issuing the forward exchange transaction contract confirmation, and for storing the forward exchange transaction contract information corresponding to the processing of the forward exchange transaction contract. It is preferable that the present gift ring information storage unit 1660 is provided.

The information confirmation unit 1645 is connected to the information storage unit 1640 and corresponds to the customer information and the repurchase request information included in the repurchase request information stored in the information storage unit 1640. Characterized in confirming the repurchase approval information corresponding to the financial product included in the.

According to the present invention, the information checking unit 1645 is linked to the information storage unit 1640, in response to the customer information, repurchase request information included in the repurchase request information stored in the information storage unit 1640 It is preferable to check the repurchase approval information corresponding to the financial product included in the repurchase request information.

When the repurchase approval information is confirmed by the information confirming unit 1645, the future exchange transaction contract processing unit 1650 repurchases the repurchase request information stored in the information storage unit 1640 in response to the repurchase approval information checking result. In response to the day information, the forward exchange transaction contract expiration date for the forward exchange transaction contract corresponding to the repurchase date is changed, and the forward exchange transaction contract is reprocessed based on the change date of the forward exchange transaction contract.

According to the present invention, when the repurchase approval information is confirmed by the information confirming unit 1645, the future exchange transaction contract processing unit 1650 repurchase request stored in the information storage unit 1640 in response to the repurchase approval information checking result. In response to the repurchase date information included in the information, it is preferable to change the futures exchange transaction expiration date for the futures exchange transaction contract corresponding to the repurchase date, and to reprocess the futures exchange transaction contract based on the change date of the futures exchange contract.

Here, the method for reprocessing the forward exchange contract when the maturity date for the futures exchange contract is changed, automatically calculates a swap point corresponding to the interest rate difference for the currency from the contract start date for the changed maturity, and the automatic It is desirable to reprocess the forward exchange transaction contract corresponding to the calculated swap point.

The contract confirmation issuing processing unit 1655 processes the issue of a forward exchange transaction contract confirmation in connection with a contract confirmation issuing processing device for issuing a forward exchange transaction contract confirmation corresponding to a forward exchange transaction contract processed by the forward exchange transaction contract processing unit 1650. It features.

According to the present invention, the contract confirmation issuance processing unit 1655 is connected to the contract confirmation issuing processing device for issuing a forward exchange transaction contract confirmation corresponding to the forward exchange transaction contract processed by the forward exchange transaction contract processing unit 1650, and confirms the future exchange transaction contract confirmation. It is desirable to handle the issuance.

When the validity of the redemption request information is authenticated in response to the redemption request information received by the information receiving unit 1615, the prepayment information storage unit 1660 corresponds to the redemption request information that has been validated. The Swap Point is automatically calculated according to the redemption date information included in the redemption request information among the redemption request information, and the future exchange transaction contract corresponding to the calculated Swap Point is processed again, and the processed And storing the forward exchange transaction contract information corresponding to the forward exchange transaction contract in the storage medium 1690.

According to the present invention, when the validity of the redemption request information is authenticated in response to the redemption request information received by the information receiving unit 1615, the futures exchange information storage unit 1660, the validity of the redemption request information In response to the redemption request information of the redemption request information in the repurchase request information automatically calculates a swap point (Swap Point) to re-process the future exchange transaction contract corresponding to the calculated swap point (Swap Point) And, it is preferable to store the forward exchange transaction contract information corresponding to the processed forward exchange transaction contract in the storage medium 1690.

Referring to FIG. 16, an electronic document that receives a predetermined redemption request electronic document from the information registration server 1600 provided on the redemption request information registration system and stores and manages the electronic document D / B 1685 in a predetermined electronic document D / B. The server 1665 includes an electronic document receiving unit 1670 for receiving a predetermined redemption request electronic document from the information registration server 1600 through a predetermined communication means, and the electronic document D for receiving the received redemption request electronic document. An information generation unit 1675 for generating predetermined electronic document management information for storage and management in the B / B 1685, and the electronic document management information and the redemption request electronic document by linking a predetermined electronic document D / B. An electronic document storage unit 1680 for storing in the 1685 is characterized in that it comprises.

The electronic document receiving unit 1670 may receive a redemption request electronic document in the form of an image file and / or a document file from the information registration server 1600 through the communication means.

According to one embodiment of the invention, the electronic document receiving unit 1670 repurchase request electronic document received through the communication means for the image content received by the information registration server 1600 from the information registration terminal 1699 It is preferable that the image file is included as it is.

Alternatively, the repurchase request electronic document received by the electronic document receiver 1670 through the communication means is included in the repurchase request information in the image content received by the information registration server 1600 from the information registration terminal 1699. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, the repurchase request information in a watermarking manner.

According to another embodiment of the present invention, the repurchase request electronic document received by the electronic document receiving unit 1670 through the communication means is an image content received by the information registration server 1600 from the information registration terminal 1699. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the repurchase request electronic document received by the electronic document receiver 1670 through the communication means may be included in the repurchase request information in the image content received by the information registration server 1600 from the information registration terminal 1699. A predetermined document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing image content including at least one of customer information and repurchase request information in a watermarking manner, Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

According to another exemplary embodiment of the present invention, the repurchase request electronic document received by the electronic document receiving unit 1670 through the communication means is received by the information registration server 1600 from the information registration terminal 1699. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing the image content and the redemption request information, or Web document file including MHT).

Alternatively, the repurchase request electronic document received by the electronic document receiver 1670 through the communication means may be included in the repurchase request information in the image content received by the information registration server 1600 from the information registration terminal 1699. Image contents including at least one or more of customer information and repurchase request information in a watermarking manner, and a predetermined document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the repurchase request information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 1675 is a predetermined electronic document unique number (or unique information) to be assigned to the repurchase request electronic document received through the electronic document receiving unit 1670, and the repurchase through the electronic document receiving unit 1670 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the redemption application electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 1675 refers to the information registration server 1600 that transmits the redemption request electronic document received through the electronic document receiving unit 1670, and the redemption request electronic document. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1600 through the electronic document receiving unit 1670, the information generating unit 1675 receives the received information. Electronic document related information (e.g., customer information for preparing a redemption application corresponding to the image content, and / or financial institution information for transmitting the redemption request electronic document, and / or electronic document file format information, and / or the redemption request) It is preferable to generate electronic document management information further including information).

The electronic document storage unit 1680 associates the redemption request electronic document received through the electronic document receiving unit 1670 with the electronic document management information generated through the information generating unit 1675 to process a predetermined electronic document D /. It stores in the B (1685).

According to an embodiment of the present invention, the repurchase request electronic document stored in the electronic document D / B 1685 by the electronic document storage unit 1680 is configured by the information registration server 1600 of the information registration terminal 1699. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the repurchase request electronic document stored in the electronic document D / B 1685 by the electronic document storage unit 1680 may be included in the image content received by the information registration server 1600 from the information registration terminal 1699. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information included in the repurchase request information, repurchase request information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the repurchase request electronic document stored in the electronic document D / B 1685 by the electronic document storage unit 1680 is configured by the information registration server 1600 of the information registration terminal 1699. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the repurchase request electronic document stored in the electronic document D / B 1685 by the electronic document storage unit 1680 may include the image content received by the information registration server 1600 from the information registration terminal 1699. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (e.g., a Portable Document Format) file including image content including at least one or more of customer information included in the redemption request information and the redemption request information in a watermarking manner) Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the repurchase request electronic document that the electronic document storage unit 1680 stores in the electronic document D / B (1685) is the information registration server 1600 the information registration terminal ( At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the image content received from the 1699 and the redemption request information. Word processor files, or web document files containing MHT).

Alternatively, the repurchase request electronic document stored in the electronic document D / B 1685 by the electronic document storage unit 1680 may include the image content received by the information registration server 1600 from the information registration terminal 1699. Image content including at least one or more of customer information and redemption request information included in the redemption request information in a watermarking manner, and a predetermined document file including the redemption request information (for example, PDF (Portable Document Format) ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 1685 by the electronic document storage unit 1680 in association with the redemption request electronic document is stored in the redemption request electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1685 by the electronic document storage unit 1680 in association with the redemption request electronic document is stored in the electronic redemption request electronic document. It is preferable that the information registration server 1600, which has been transmitted, further comprises the financial institution information transmitted the redemption request electronic document confirmed.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 1600, the electronic document storage unit 1680 processes the electronic document by linking with the repurchase request electronic document. The electronic document management information stored in the document D / B 1685 may be configured to transmit the electronic document related information (for example, customer information for preparing a redemption application corresponding to the image content, and / or the redemption application electronic document). Financial institution information, and / or electronic document file format information, and / or the repurchase request information).

Figure 17 shows the repurchase request information stored in the ledger D / B (1700) provided in the DBMS on the financial system in a face-to-face manner for automatic calculation of the swap point for the futures exchange transaction contract when processing overseas mutual fund repurchase according to an embodiment of the present invention It is a figure which shows a structure.

In more detail, in FIG. 17, when the storage medium 1690 illustrated in FIG. 16 is the ledger D / B 1700 provided in the DBMS on the financial system, the ledger information included in the ledger D / B 1700 is used. FIG. 17 illustrates an information structure for an embodiment of a method for storing repurchase request information including the customer information and repurchase request information. Those skilled in the art may refer to FIG. 17 and / or FIG. Or it may be modified to infer various information configuration methods for storing the repurchase request information in the ledger D / B (1700), but the present invention includes all the implementation method inferred, shown in Figure 17 It is not limited to the method alone.

Referring to FIG. 17 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1700 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 1700 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus detailed description thereof will be omitted.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 17, the repurchase request information provided through the repurchase request information registration system shown in FIG. 16 is stored in the form of additional information added to the account ledger. Repurchase request information characterized in that it comprises at least one.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

According to another embodiment of the present invention, the repurchase request information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

Figure 18 is linked to the ledger D / B (1800) provided in the DBMS on the financial system in a face-to-face manner for the automatic calculation of the swap point for the futures exchange transaction contract when processing overseas mutual fund repurchase according to another embodiment of the present invention It is a figure which shows the structure of repurchase request information stored in the database.

In more detail, FIG. 18 is an information structure for an implementation method in which the storage medium 1690 shown in FIG. 16 is stored in a predetermined database linked to the ledger D / B 1800 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify this drawing 18 to process the repurchase request information in a predetermined database in association with the ledger D / B 1800. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 18, when it is not easy to store the repurchase request information in the ledger information of the ledger D / B 1800 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS) / B (1800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), instead of the ledger D / B (1800) to store the repurchase request information in a predetermined database, and The implementation method of linking and storing a database and the ledger D / B 1800 is illustrated.

In addition, the database shown in FIG. 18 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 18, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 18, the database stores and stores the customer information and the repurchase request information included in the repurchase request information. The repurchase request information is processed in association with the ledger D / B 1800. It is preferable that the repurchase request information further includes a CIF number corresponding to the ledger information.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to be made.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

FIG. 19 is a diagram illustrating a repurchase request information structure stored in a DBMS provided in a banking server 1900 in a face-to-face manner for automatically calculating a swap point for a forward exchange transaction contract when processing an overseas mutual fund repurchase according to another embodiment of the present invention. One drawing.

In more detail, FIG. 19 shows that the storage medium 1690 shown in FIG. 16 includes predetermined banking provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 1900, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It is possible to infer a method of constructing information on repurchase application information stored in a predetermined DBMS provided in 1900, but the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

Referring to FIG. 19, a predetermined DBMS included in the banking server 1900 may store and store customer information and repurchase request information included in the repurchase request information.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system associated with the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution) It is preferable to include at least one or more.

20A and 20B illustrate a process of registering repurchase application information in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B are window terminals provided with an information registration terminal 1699 on the redemption request information registration system shown in FIG. 16 at a financial institution branch (or a branch), and the information registration server 1600. In the case of having a ledger server (not shown) function in the financial system linked to a counter terminal through a predetermined financial network, a predetermined customer may automatically calculate a swap point for a forward exchange transaction contract when processing an overseas mutual fund redemption. When a repurchase application including at least one of customer information and repurchase request information is prepared and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the repurchase application through a predetermined image acquisition device and registers predetermined information. Repurchase application information and the repurchase application corresponding to the repurchase application to the repurchase application information registration system through an interface When providing the image content obtained from the, a predetermined repurchase request electronic document containing the image content is generated and stored in a predetermined electronic document storage, the customer information included in the repurchase request information, repurchase request information is linked The present invention relates to a method of processing and storing the information in a predetermined storage medium 1690. Specifically, the information registration server acquires predetermined image contents corresponding to the redemption application through a predetermined image obtaining device at the window terminal. After transmitting to 1600, a method of transmitting (or selecting) repurchase application information corresponding to the repurchase application to the information registration server 1600 is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the repurchase request information to the information registration server 1600 in the window terminal by referring to and / or modified in this figure 20a and 20b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in the present drawings 20a and 20b.

For example, in the implementation method shown in FIGS. 20A and 20B, the counter terminal acquires predetermined image contents corresponding to the redemption application through a predetermined image acquisition device, and / or a redemption request corresponding to the redemption application. Although a user interface for inputting (or selecting) information is illustrated and provided from the information registration server 1600, when a predetermined information registration program is provided at the window terminal, the user interface may include the information registration server ( 1600 may not be provided, and thereby the present invention is not limited.

20a and 20b, the window terminal shown in FIG. 16 is referred to as a "terminal" for convenience, and the information registration server 1600 shown in FIG. 16 is referred to as a "server" for convenience. The customer information and repurchase request information transmitted to the information registration server 1600 are referred to as "repurchase request information" for convenience.

Referring to FIGS. 20A and 20B, when a predetermined customer fills out and submits a redemption application including at least one customer information and a redemption request information for automatic calculation of a swap point for a forward exchange transaction when processing an overseas mutual fund redemption process, The counter terminal shown in FIG. 16 automatically calculates a swap point for a forward exchange transaction contract when a foreign mutual fund redemption process corresponding to the redemption application is made while accessing the server through a predetermined financial network and connecting a predetermined communication channel. When requesting a user interface for the user (2000), the server corresponding to the user to obtain a predetermined image content corresponding to the repurchase application written by the customer through a predetermined image acquisition device in the terminal for transmission to the server Create (or extract) an interface (2005) and generate the And outputs to transmit the extracted) user interface to the mobile station (2010).

Thereafter, the terminal acquires image content corresponding to the redemption application through a predetermined image acquisition device based on the user interface (2015).

If image content corresponding to the redemption application is obtained through the image acquisition device (2020), the terminal transmits the obtained image content to the server through the financial network (2025).

Thereafter, the server generates (or selects) a user interface corresponding to the repurchase application matching the image content and repurchases request information including at least one of repurchase request information and generates (or selects) a user interface for transmitting to the server (or Extraction) (2030), and transmits and generates the generated (or extracted) user interface to the terminal through the financial network (2035).

Thereafter, the terminal inputs (or selects) the redemption request information including at least one of the customer information and the redemption request information through the user interface (2040).

If repurchase request information including at least one of the customer information and the repurchase request information is input (or selected) through the user interface (2045), the terminal inputs (or selects) the server to the server through the financial network. The repurchase request information is transmitted (2050).

Thereafter, the server receives and reads the repurchase request information including at least one of the customer information and the repurchase request information through the financial network to confirm the validity of the repurchase request information (2055).

According to an embodiment of the present invention, the validity confirmation of the repurchase request information is at least one or more ledger information matching the repurchase request information in the ledger D / B (1800) on the financial system associated with the repurchase request information registration system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 1625 may include, among the information included in the repurchase request information, the customer information (customer personal information, member information, etc.) of the ledger D / B on the financial system associated with the repurchase request information registration system. It is preferable to include a check that matches the customer ledger stored in (1800).

In addition, the validity of the financial product account information included in the financial product information of the repurchase request information, the financial product account information included in the financial product information is the ledger D / B on the financial system linked to the repurchase application information registration system It is preferable to include a check to match with the account ledger stored in (1800).

If the validity of the repurchase request information is not authenticated (2060), the server generates predetermined information registration error information and transmits it to the terminal (2065), and does not perform an information registration procedure corresponding to the repurchase request information. Do not.

On the other hand, if the validity of the redemption request information is authenticated (2060), the server generates a predetermined redemption request electronic document including the image content (2070).

According to an exemplary embodiment of the present invention, the server exchanges a futures exchange contract when the overseas mutual fund redemption process is performed as it is, the image file including the image contents received from the information registration terminal 1699 through the image receiving unit 1620. It is preferable to process the repurchase request electronic document for automatic calculation of the swap point for the transaction.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. It is preferable to generate a redemption request electronic document for automatic calculation of a swap point for a forward exchange transaction contract when an image file corresponding to an image content including at least one or more information is watermarked. .

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 1699 through the image receiving unit 1620. Files, or EDI (Electronic Data Interchange) files, word processor files containing at least one of HWP / DOC, etc., or web document files containing MHT). It is desirable to create a repurchase request electronic document for automatic calculation of swap points for the contract.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the generated image content. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), so that a redemption for automatic calculation of a swap point for a futures exchange transaction can be made when the foreign mutual fund redemption is processed. It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 1699 and the redemption request information received through the information receiving unit 1615 through the image receiving unit 1620. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), it is preferable to generate a redemption request electronic document for the automatic calculation of the swap point for the future exchange transaction contract during the foreign mutual fund redemption process.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI including the generated image content and the redemption request information). (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), so that a swap point for a forward exchange transaction contract can be obtained when the foreign mutual fund redemption process is processed. It is desirable to generate a repurchase request electronic document for automatic calculation.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a repurchase request electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the repurchase request electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated redemption request electronic document in a predetermined electronic document storage (2075).

As shown in FIG. 16, the electronic document repository includes a predetermined electronic document server 1665 and an electronic document D / B 1685 associated with a server on the redemption request information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated repurchase request electronic document to the electronic document server 1665 through the communication means to store in the electronic document D / B (1685).

Alternatively, when the electronic document storage is provided on a DBMS provided in the repurchase request information registration system, the server sends the generated repurchase request electronic document to an electronic document repository on the DBMS provided in the repurchase request information registration system. It is possible to store in the corresponding electronic document D / B 1685, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the redemption request electronic document in the electronic document storage is performed by linking the generated redemption request electronic document and predetermined electronic document management information to the electronic document D shown in FIG. It is preferable to include storing in / B (1685).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the repurchase request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the redemption request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a redemption application corresponding to the image content, and / or financial institution information for transmitting the redemption application electronic document, and / or electronic document). File format information, and / or the repurchase request information).

If the repurchase request electronic document is stored in the electronic document repository (2080), the server stores the information on the repurchase request information and the repurchase request information in a predetermined storage medium 1805 by linking ( 2085) generate predetermined information registration history information (e.g., a history of storing the redemption request electronic document in the electronic document repository, and / or a history of storing the redemption request information in the storage medium 1805) (or Extract it and transmit it to the terminal (2090).

According to one embodiment of the invention, the storage medium 1805 is preferably provided in a DBMS on a financial system provided on the repurchase request information registration system (or associated with the repurchase request information registration system). The storage medium 1805 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800. This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1805 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the redemption request information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

21A and 21B illustrate a process of registering repurchase application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figs. 21A and 21B are window terminals in which an information registration terminal 1699 on the redemption request information registration system shown in Fig. 16 is provided at a branch (or a branch) of a financial institution, and the information registration server 1600 is provided. In the case of having a ledger server (not shown) function in the financial system linked to a counter terminal through a predetermined financial network, a predetermined customer may automatically calculate a swap point for a forward exchange transaction contract when processing an overseas mutual fund redemption. When a repurchase application including at least one of customer information and repurchase request information is prepared and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the repurchase application through a predetermined image acquisition device and registers predetermined information. Repurchase application information and the repurchase application corresponding to the repurchase application to the repurchase application information registration system through an interface When providing the image content obtained from the, a predetermined repurchase request electronic document containing the image content is generated and stored in a predetermined electronic document storage, the customer information included in the repurchase request information, repurchase request information is linked The present invention relates to an implementation method for processing and storing in a predetermined storage medium 1805. Specifically, the counter terminal inputs (or selects) repurchase application information corresponding to the repurchase application to the information registration server 1600. Thereafter, a method of obtaining a predetermined image content corresponding to the repurchase application through a predetermined image acquisition device and transmitting the predetermined image content to the information registration server 1600 is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the repurchase request information to the information registration server 1600 in the window terminal by referring to and / or modified in this figure 21a and 21b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in the figures 21a and 21b.

For example, in the implementation method shown in FIGS. 21A and 21B, the counter terminal acquires predetermined image contents corresponding to the redemption application through a predetermined image acquisition device, and / or a redemption request corresponding to the redemption application. Although a user interface for inputting (or selecting) information is illustrated and provided from the information registration server 1600, when a predetermined information registration program is provided at the window terminal, the user interface may include the information registration server ( 1600 may not be provided, and thereby the present invention is not limited.

In the following Figures 21a and 21b, the window terminal shown in Figure 16 is referred to as "terminal" for convenience, and the information registration server 1600 shown in Figure 16 is referred to as "server" for convenience, and in the said window terminal The customer information and repurchase request information transmitted to the information registration server 1600 are referred to as "repurchase request information" for convenience.

Referring to FIGS. 21A and 21B, when a predetermined customer fills out and submits a redemption application including at least one of customer information and redemption request information for automatic calculation of a swap point for a futures exchange transaction when processing an overseas mutual fund redemption process, The counter terminal shown in FIG. 16 automatically calculates a swap point for a forward exchange transaction contract when a foreign mutual fund redemption process corresponding to the redemption application is made while accessing the server through a predetermined financial network and connecting a predetermined communication channel. When requesting a user interface (2100), the server correspondingly inputs (or selects) the repurchase request information including at least one of customer information and repurchase request information corresponding to the repurchase request written by the customer. Create (or extract) a user interface for transmission to the network (2105), To the generated outputs to transmit the user interface (or extract) to the mobile station 2110.

Thereafter, the terminal inputs (or selects) redemption request information including at least one of the customer information and redemption request information through the user interface (2115).

If the repurchase request information including at least one of the customer information and the repurchase request information is input (or selected) through the user interface (2120), the terminal inputs (or selects) the terminal to the server through the financial network. The repurchase request information is transmitted (2125).

Thereafter, the server receives and reads the repurchase request information including at least one of the customer information and the repurchase request information through the financial network to check the validity of the repurchase request information (2130).

According to an embodiment of the present invention, the validity confirmation of the repurchase request information is at least one or more ledger information matching the repurchase request information in the ledger D / B (1800) on the financial system associated with the repurchase request information registration system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 1625 may include, among the information included in the repurchase request information, the customer information (customer personal information, member information, etc.) of the ledger D / B on the financial system associated with the repurchase request information registration system. It is preferable to include a check that matches the customer ledger stored in (1800).

In addition, the validity of the financial product account information included in the financial product information of the repurchase request information, the financial product account information included in the financial product information is the ledger D / B on the financial system linked to the repurchase application information registration system It is preferable to include a check to match with the account ledger stored in (1800).

If the validity of the redemption request information is not authenticated (2135), the server generates predetermined information registration error information and transmits it to the terminal (2140), and does not perform an information registration procedure corresponding to the redemption request information. Do not.

On the other hand, if the validity of the redemption request information is authenticated (2135), the server acquires predetermined image contents corresponding to the redemption application written by the customer through a predetermined image acquisition device in the terminal and transmits the predetermined image content to the server. A user interface is generated (or extracted) (2145), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (2150).

Thereafter, the terminal acquires image content corresponding to the redemption application through a predetermined image acquisition device based on the user interface (2155).

If image content corresponding to the redemption application is obtained through the image acquisition device (2160), the terminal transmits the obtained image content to the server through the financial network (2165).

The server receiving the redemption request information and the image content from the terminal generates a predetermined redemption request electronic document including the image content (2170).

According to an exemplary embodiment of the present invention, the server exchanges a futures exchange contract when the overseas mutual fund redemption process is performed as it is, the image file including the image contents received from the information registration terminal 1699 through the image receiving unit 1620. It is preferable to process the repurchase request electronic document for automatic calculation of the swap point for the transaction.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. It is preferable to generate a redemption request electronic document for automatic calculation of a swap point for a forward exchange transaction contract when an overseas mutual fund redemption process is performed on an image file corresponding to image content including at least one or more information by a watermarking method. .

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 1699 through the image receiving unit 1620. A file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a repurchase request electronic document for automatic calculation of the swap point for.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the generated image content. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), so that a redemption for automatic calculation of a swap point for a futures exchange transaction can be made when the foreign mutual fund redemption is processed. It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 1699 and the redemption request information received through the information receiving unit 1615 through the image receiving unit 1620. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), it is preferable to generate a redemption request electronic document for the automatic calculation of the swap point for the future exchange transaction contract during the foreign mutual fund redemption process.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI including the generated image content and the redemption request information). (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), so that a swap point for a forward exchange transaction contract can be obtained when the foreign mutual fund redemption process is processed. It is desirable to generate a repurchase request electronic document for automatic calculation.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a repurchase request electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the repurchase request electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated redemption request electronic document in a predetermined electronic document storage (2175).

As shown in FIG. 16, the electronic document repository includes a predetermined electronic document server 1665 and an electronic document D / B 1685 associated with a server on the redemption request information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated repurchase request electronic document to the electronic document server 1665 through the communication means to store in the electronic document D / B (1685).

Alternatively, when the electronic document storage is provided on a DBMS provided in the repurchase request information registration system, the server sends the generated repurchase request electronic document to an electronic document repository on the DBMS provided in the repurchase request information registration system. It is possible to store in the corresponding electronic document D / B 1685, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the redemption request electronic document in the electronic document storage is performed by linking the generated redemption request electronic document and predetermined electronic document management information to the electronic document D shown in FIG. It is preferable to include storing in / B (1685).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the repurchase request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the redemption request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a redemption application corresponding to the image content, and / or financial institution information for transmitting the redemption application electronic document, and / or electronic document). File format information, and / or the repurchase request information).

If the repurchase request electronic document is stored in the electronic document repository (2180), the server stores the information on the repurchase request information and the repurchase request information in a predetermined storage medium 1805 by linking ( 2185) generating predetermined information registration history information (e.g., details of storing the repurchase request electronic document in the electronic document repository, and / or details of storing the repurchase request information in the storage medium 1805) (or Extract it and transmit it to the terminal (2190).

According to one embodiment of the invention, the storage medium 1805 is preferably provided in a DBMS on a financial system provided on the repurchase request information registration system (or associated with the repurchase request information registration system). The storage medium 1805 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800. This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1805 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the redemption request information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

22A and 22B illustrate a process of registering repurchase application information in a face-to-face manner according to another exemplary embodiment of the present invention.

22A and 22B show a counter terminal in which an information registration terminal 1699 on the repurchase request information registration system shown in FIG. 16 is provided at a branch of a financial institution (or a branch), and the information registration server 1600 In the case of having a ledger server (not shown) function in the financial system linked to a counter terminal through a predetermined financial network, a predetermined customer may automatically calculate a swap point for a forward exchange transaction contract when processing an overseas mutual fund redemption. When a repurchase application including at least one of customer information and repurchase request information is prepared and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the repurchase application through a predetermined image acquisition device and registers predetermined information. Repurchase application information and the repurchase application corresponding to the repurchase application to the repurchase application information registration system through an interface When providing the image content obtained from the, a predetermined repurchase request electronic document containing the image content is generated and stored in a predetermined electronic document storage, the customer information included in the repurchase request information, repurchase request information is linked A method of processing and storing the same in a predetermined storage medium 1805. Specifically, the counter terminal acquires predetermined image contents corresponding to the redemption application through a predetermined image acquisition device and corresponds to the redemption application. A method of inputting (or selecting) repurchase application information to be transmitted to the information registration server 1600 is illustrated.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the repurchase request information to the information registration server 1600 in the window terminal by referring to and / or modified in this figure 22a and 22b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in the present drawings 22a and 22b.

For example, in the implementation method shown in FIGS. 22A and 22B, the counter terminal acquires predetermined image contents corresponding to the redemption application through a predetermined image acquisition device, and / or a redemption request corresponding to the redemption application. Although a user interface for inputting (or selecting) information is illustrated and provided from the information registration server 1600, when a predetermined information registration program is provided at the window terminal, the user interface may include the information registration server ( 1600 may not be provided, and thereby the present invention is not limited.

In the following Figures 22a and 22b, the window terminal shown in Figure 16 is referred to as "terminal" for convenience, and the information registration server 1600 shown in Figure 16 is referred to as "server" for convenience, and in the window terminal The customer information and repurchase request information transmitted to the information registration server 1600 are referred to as "repurchase request information" for convenience.

Referring to FIGS. 22A and 22B, when a predetermined customer fills out and submits a redemption application including at least one of customer information and redemption request information for automatic calculation of a swap point for a forward exchange transaction when processing a foreign mutual fund redemption process, The counter terminal shown in FIG. 16 automatically calculates a swap point for a forward exchange transaction contract when a foreign mutual fund redemption process corresponding to the redemption application is made while accessing the server through a predetermined financial network and connecting a predetermined communication channel. When requesting a user interface for 2200, the server correspondingly inputs (or selects) the redemption application information corresponding to the redemption application written by the customer in the terminal, and the redemption application through a predetermined image acquisition device. User acquisition for acquiring predetermined image content corresponding to and transmitting to the server. A interface is generated (or extracted) (2205), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (2210).

Thereafter, the terminal inputs (or selects) the redemption request information including at least one of the customer information and the redemption request information through the user interface (2215).

If the repurchase request information including at least one of the customer information and the repurchase request information is input (or selected) through the user interface (2220), the terminal receives the predetermined image acquisition apparatus based on the user interface. Acquire image content corresponding to the redemption application (2225).

If image content corresponding to the redemption application is obtained through the image acquisition device (2230), the terminal transmits the redemption application information and the image content to the server through the financial network (2235).

Thereafter, the server receives and reads the repurchase request information including at least one of the customer information and the repurchase request information through the financial network to check the validity of the repurchase request information (2240).

According to an embodiment of the present invention, the validity confirmation of the repurchase request information is at least one or more ledger information matching the repurchase request information in the ledger D / B (1800) on the financial system associated with the repurchase request information registration system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 1625 may include, among the information included in the repurchase request information, the customer information (customer personal information, member information, etc.) of the ledger D / B on the financial system associated with the repurchase request information registration system. It is preferable to include a check that matches the customer ledger stored in (1800).

In addition, the validity of the financial product account information included in the financial product information of the repurchase request information, the financial product account information included in the financial product information is the ledger D / B on the financial system linked to the repurchase application information registration system It is preferable to include a check to match with the account ledger stored in (1800).

If the validity of the redemption request information is not authenticated (2245), the server generates predetermined information registration error information and transmits it to the terminal (2250), and does not perform an information registration procedure corresponding to the redemption request information. Do not.

On the other hand, if the validity of the redemption request information is authenticated (2245), the server generates a predetermined redemption request electronic document including the image content (2255).

According to an exemplary embodiment of the present invention, the server exchanges a futures exchange contract when the overseas mutual fund redemption process is performed as it is, the image file including the image contents received from the information registration terminal 1699 through the image receiving unit 1620. It is preferable to process the repurchase request electronic document for automatic calculation of the swap point for the transaction.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. It is preferable to generate a redemption request electronic document for automatic calculation of a swap point for a forward exchange transaction contract when an overseas mutual fund redemption process is performed on an image file corresponding to image content including at least one or more information by a watermarking method. .

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 1699 through the image receiving unit 1620. A file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a repurchase request electronic document for automatic calculation of the swap point for.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the generated image content. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), so that a redemption for automatic calculation of a swap point for a futures exchange transaction can be made when the foreign mutual fund redemption is processed. It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 1699 and the redemption request information received through the information receiving unit 1615 through the image receiving unit 1620. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), it is preferable to generate a redemption request electronic document for the automatic calculation of the swap point for the future exchange transaction contract during the foreign mutual fund redemption process.

Alternatively, the server may include customer information and repurchase request information included in the repurchase request information received through the information receiver 1615 in the image content received from the information registration terminal 1699 through the image receiver 1620. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI including the generated image content and the redemption request information). (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), so that a swap point for a forward exchange transaction contract can be obtained when the foreign mutual fund redemption process is processed. It is desirable to generate a repurchase request electronic document for automatic calculation.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a repurchase request electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the repurchase request electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated redemption request electronic document in a predetermined electronic document storage (2260).

As shown in FIG. 16, the electronic document repository includes a predetermined electronic document server 1665 and an electronic document D / B 1685 associated with a server on the redemption request information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated repurchase request electronic document to the electronic document server 1665 through the communication means to store in the electronic document D / B (1685).

Alternatively, when the electronic document storage is provided on a DBMS provided in the repurchase request information registration system, the server sends the generated repurchase request electronic document to an electronic document repository on the DBMS provided in the repurchase request information registration system. It is possible to store in the corresponding electronic document D / B 1685, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the redemption request electronic document in the electronic document storage is performed by linking the generated redemption request electronic document and predetermined electronic document management information to the electronic document D shown in FIG. It is preferable to include storing in / B (1685).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the repurchase request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the redemption request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a redemption application corresponding to the image content, and / or financial institution information for transmitting the redemption application electronic document, and / or electronic document). File format information, and / or the repurchase request information).

If the repurchase request electronic document is stored in the electronic document repository (2265), the server stores the information on the repurchase request information and the repurchase request information in a predetermined storage medium 1805 in association with ( 2270) generating predetermined information registration history information (e.g., details of storing the repurchase request electronic document in the electronic document repository, and / or details of storing the repurchase request information in the storage medium 1805) (or Extract it and transmit it to the terminal (2275).

According to one embodiment of the invention, the storage medium 1805 is preferably provided in a DBMS on a financial system provided on the repurchase request information registration system (or associated with the repurchase request information registration system). The storage medium 1805 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800. This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1805 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the redemption request information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

FIG. 23 is a diagram illustrating a forward exchange transaction contract processing process for automatically calculating a swap point for a forward exchange transaction when a foreign mutual fund redemption is processed in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 23 is a window terminal provided with an information registration terminal 1699 on the redemption request information registration system shown in FIG. 16 at a financial institution branch (or a branch), and the information registration server 1600 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, the customer information, for the automatic calculation of the swap point for the futures exchange transaction contract when a foreign customer repurchases an overseas mutual fund, When a repurchase application including at least one repurchase request information is prepared and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the repurchase application through a predetermined image obtaining apparatus, and then through a predetermined information registration interface. With repurchase application information registration system, we repurchase from repurchase application information and repurchase application corresponding to repurchase application When the acquired image content is provided, a predetermined repurchase request electronic document including the image content is generated and stored in a predetermined electronic document repository, and the customer information and repurchase request information included in the repurchase request information are cooperatively processed. An embodiment of the present invention relates to a method of storing a predetermined storage medium 1805. Specifically, a method of obtaining a predetermined image content corresponding to the redemption application through a predetermined image obtaining device at the teller terminal to the information registration server 1600. After the transmission, input (or select) the repurchase application information corresponding to the repurchase application to transmit to the information registration server 1600, and the future exchange transaction contract corresponding to the repurchase request information processing method It is shown.

In addition, the information registration terminal 1699 on the repurchase request information registration system shown in FIG. 16 is a window terminal provided at a branch of a financial institution (or a branch), and the information registration server 1600 is opened through a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the terminal, at least a predetermined number of customer information and redemption request information may be used for a predetermined customer to automatically calculate a swap point for a forward exchange transaction contract when processing a foreign mutual fund redemption. When a repurchase application including one or more is prepared and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the repurchase application through a predetermined image acquisition device, and repurchases an information registration system through a predetermined information registration interface. The repurchase application information corresponding to the repurchase application and the image controller obtained from the repurchase application. If the user is provided, a predetermined repurchase request electronic document including the image content is generated and stored in a predetermined electronic document repository, and the customer information included in the repurchase request information and the repurchase request information are stored in a predetermined manner. A method of executing a forward exchange transaction contract stored in the medium 1805 and corresponding to the stored repurchase application information, specifically, by inputting (or selecting) repurchase application information corresponding to the repurchase application at the counter terminal; After transmitting to the information registration server 1600, a predetermined image content corresponding to the repurchase application is obtained through a predetermined image acquisition device and transmitted to the information registration server 1600, and the information on the repurchase request information The implementation method of processing a corresponding forward exchange transaction contract is shown.

Those skilled in the art to which the present invention pertains refer to and modify this drawing 23 to register the repurchase request information with the information registration server 1600 at the counter terminal, and to the registered repurchase request information. Various implementation methods for processing the corresponding forward exchange transaction contract may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

In the following figure 23, the window terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the information registration server 1600 shown in FIG. 16 is referred to as "server" for convenience, and the information is registered in the window terminal. The customer information and repurchase request information transmitted to the server 1600 are referred to as "repurchase request information" for convenience.

The server checks the repurchase request information included in the repurchase request information input through the terminal (2300).

If the server determines that the repurchase request information included in the repurchase request information is not a repurchase request (2305), the repurchase processing procedure corresponding to the repurchase request information is not performed.

On the other hand, if the repurchase request information included in the repurchase request information is confirmed by the server, and the repurchase request (2305), the server calculates a swap point corresponding to the repurchase request information (Swap Point), the calculated swap point Process a forward exchange transaction contract corresponding to (Swap Point) (2315).

Thereafter, the server stores the forward exchange transaction contract information corresponding to the forward exchange transaction contract in a predetermined storage medium 1805 provided in the server (2320), and the forward exchange transaction contract confirmation letter corresponding to the forward exchange transaction contract application information in the server. Generate information (2325).

The server outputs a contract confirmation corresponding to the forward exchange transaction contract confirmation information in association with a contract confirmation issuing processing device associated with the server (2330).

24 is a diagram illustrating a non-face-to-face repurchase application information registration system for automatic calculation of a swap point for a future exchange transaction contract when processing an overseas mutual fund repurchase according to another embodiment of the present invention.

More specifically, FIG. 24 shows at least one of customer information and redemption request information for automatic calculation of a swap point for a forward exchange transaction contract when a foreign customer redeems the foreign mutual fund redemption process through a predetermined information registration interface. When providing the redemption request information including one or more, the redemption request information registration system generates a predetermined redemption request electronic document including the provided redemption request information and stores it in a predetermined electronic document repository and includes it in the redemption request information. A system configuration for cooperatively processing the customer information and repurchase request information stored in a predetermined storage medium 2480, and specifically, the electronic document repository is associated with the repurchase request information registration system through a predetermined communication means. To an implementation method provided on an external system. .

For those of ordinary skill in the art to which the present invention pertains, reference to and / or modification of this drawing 24 is directed to configuring a repurchase application information registration system for automatic calculation of a swap point for a forward exchange transaction contract when processing an overseas mutual fund repurchase. Various implementation methods 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.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 24 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the repurchase application information registration system. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 24, the repurchase request electronic document is described as being generated on the server side on the repurchase request information registration system, but the present invention is not limited thereto. The application electronic document may be generated on the terminal side which inputs (or selects) the redemption application information and transmits the information (eg, an electronic document generation function provided on the server side to generate the redemption application electronic document). The present invention is not limited thereto.

Hereinafter, upon receiving the redemption request information from the customer through a predetermined information registration interface on the redemption request information registration system shown in FIG. 24, a predetermined redemption request electronic document is generated and stored in a predetermined electronic document repository. Components corresponding to at least one or more means and / or functional configurations for storing redemption application information on a predetermined storage medium 2480 are referred to as " information registration server 2400 " for convenience.

Referring to FIG. 24 in accordance with an embodiment of the present invention, a repurchase application information registration system for automatic calculation of a swap point for a futures exchange transaction contract during the foreign mutual fund repurchase process may include a wired terminal and / or a wireless terminal used by a customer. And at least one information registration terminal 2490 including at least one or more including client terminals, wherein the information registration terminal 2490 is provided on the redemption application information registration system through a predetermined network means. The communication channel is connected to the information registration server 2400 provided in the.

According to an embodiment of the present invention, the customer accesses the information registration server 2400 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the client terminal inputs (or selects) the redemption request information for the automatic calculation of the swap point for the future exchange transaction contract through the at least one user interface provided by the information registration server 2400, the client terminal It is preferable to transmit to the information registration server 2400 provided on the redemption request information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the information registration server 2400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

The network means for connecting the client terminal and the information registration server 2400 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based according to the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 2400, and inputs and / or selects at least one or more information through the user interface to the information registration server 2400. 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 information registration server 2400, etc.) is provided.

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

In the repurchase request information registration system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the information registration server 2400. The communication network and / or the wireless communication network perform a function of an information registration interface for registering the repurchase application information for the customer to automatically calculate a swap point for a future exchange transaction contract when the foreign mutual fund redemption process is performed.

According to another exemplary embodiment of the present invention, the information registration terminal 2490 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the repurchase request information registration system described above, when the information registration terminal 2490 is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the information are provided. The financial network connecting the registration server 2400 performs a function of an information registration interface for registering the repurchase application information for the customer to automatically calculate a swap point for a future exchange transaction contract when the foreign mutual fund redemption process is performed, and / Or when the information registration terminal 2490 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2400 and / or The wireless telephone network is for the customer to register the repurchase request information for the automatic calculation of the swap point for the future exchange transaction contract when processing the foreign mutual fund repurchase process And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 2490 and / or performing the function of the lock interface. (Not shown) and the network connecting the terminal (and / or server) (not shown) to the information registration server 2400 automatically calculate a swap point for a futures exchange transaction when the customer processes the foreign mutual fund redemption. To perform the function of the information registration interface for registering the redemption request information.

The storage medium 2480 provided on the repurchase request information registration system according to the present invention is a predetermined process by linking the customer information and the repurchase request information included in the repurchase request information provided from the information registration terminal 2490. It is characterized in that the storage in the storage medium (2480).

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information is for the mid-term repurchase date for midterm repurchase of the financial instrument or the maturity of the financial instrument in order for the customer to repurchase the financial instrument using a foreign exchange such as the foreign mutual fund. It is preferable to include at least one or more of the designated maturity resale date.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

According to an embodiment of the present invention, the storage medium 2480 is preferably provided in a DBMS on a financial system provided on the redemption request information registration system (or associated with the redemption request information registration system). The storage medium 2480 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2480 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the redemption request information registration system; And / or it is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 2400 provided on the repurchase request information registration system according to the present invention is a generic term for the repurchase request information registration system side components connected to the information registration terminal 2490 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 2490 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 2400 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal 2490 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 2400 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2400 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 2400 may be configured as described above. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 2400 is provided with an interface unit 2405 for connecting and managing a predetermined communication channel with the information registration terminal 2490 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 2490 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 2405 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2405 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 2400, the interface unit 2405 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 information registration terminal 2490 is a financial automatic device connected to a predetermined financial network, the interface unit 2405 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2405 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 2405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 2400, the interface unit 2405 may be connected to the client terminal based on the CDMA protocol. It connects a communication 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 information registration terminal 2490 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2405 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 2405 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 24, when the predetermined information registration terminal 2490 connects a predetermined communication channel with the information registration server 2400 through the interface unit 2405, the information registration server 2400 may be used. At least one or more to input (or select) predetermined repurchase request information from the information registration terminal 2490 to automatically calculate a swap point for a future exchange transaction contract during mutual fund repurchase process An interface providing unit 2410 which generates (or extracts) a user interface and provides the generated (or extracted) user interface to the information registration terminal 2490 in association with the interface unit 2405, and the information registration; When the terminal 2490 inputs (or selects) the repurchase request information through the user interface and transmits the information, the information and the like are linked to the interface unit 2405. And an information receiving unit 2415 for receiving the repurchase request information transmitted from the lock terminal 2490.

The interface providing unit 2410 connects a predetermined communication channel with the information registration server 2400 through the interface unit 2405, and then sends the information registration server 2400 to the information registration server 2400. When requesting a user interface for automatic calculation of a swap point for a futures exchange transaction contract during an overseas mutual fund redemption process, the information registration terminal 2490 inputs (or selects) predetermined repurchase application information to the information through the network means. Create at least one user interface for transmission to the registration server 2400, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 2405 to generate the generated (or extracted) user interface It is characterized in that it is provided to the information registration terminal 2490 via the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal 2490 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2410 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2405.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a financial automation device connected to a predetermined financial network, the interface providing unit 2410 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the ATM using the interface unit 2405.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2405.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2410 is the call terminal (not shown). Generate (or extract) a predetermined user interface which can be provided as an omission, and the call terminal (not shown) via the interface unit 2405 to generate the user interface (eg, ARS based user interface). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 2490 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 2410 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2405. Do.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined repurchase request information to the information registration terminal 2490 and transmitting the information to the information registration server 2400 through the network means. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined repurchase application information and transmitting the information to the information registration server 2400 is generated (or extracted) to register the information. The interface providing unit 2410 provided to the terminal 2490 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 2490 inputs (or selects) the redemption request information including at least one of the customer information and the redemption request information through the user interface, and inputs the input (or selected) redemption request information. The information receiving server 2415 transmits the repurchase request information transmitted from the information registration terminal 2490 in association with the interface unit 2405. It is characterized by receiving.

According to the exemplary embodiment of the present invention, the information registration terminal 2490 validates the validity of the repurchase request information in the information registration server 2400 in the repurchase request information including at least one of the customer information and the repurchase request information. The information registration server 2400 may include at least one or more predetermined password and / or security card information for confirmation and / or an OTP code generated through a predetermined one time password (OTP) generator. It is desirable to send to.

According to an embodiment of the present invention, the information registration terminal 2490 includes at least one encryption method (eg, a symmetric key-based encryption method, and / or repurchase request information including at least one of the customer information and the repurchase request information). Public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or by attaching a predetermined electronic signature to the repurchase request information through the network means. It is preferable to transmit to the information registration server 2400. For this purpose, the information registration terminal 2490 has at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. The official certificate of the present invention, and / or the official certificate of the IC chip (or IC card) It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains understand the technical features of various encryption schemes for encrypting the redemption request information and the technical features of attaching a predetermined electronic signature to the redemption request information. Since there will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 24, when the information registration server 2400 receives the repurchase request information transmitted from the information registration terminal 2490 through the information receiving unit 2415, the received repurchase request information is transmitted to the foreign mutual. It is characterized in that it is provided with a validity confirming unit (2420) to check whether the validity for the automatic calculation of the swap point for the futures exchange transaction contract during the fund repurchase process.

According to an embodiment of the present invention, the repurchase request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange). When encrypted with a based encryption method, the validity confirming unit 2420 at least one or more decryption methods (eg, symmetric key based decryption method and / or public key) corresponding to the encrypted repurchase request information Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received redemption request information.

Alternatively, when a predetermined electronic signature is attached to the repurchase request information, the validity confirming unit 2420 verifies the validity of the received repurchase request information by checking the electronic signature attached to the repurchase request information. desirable.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted redemption request information and the technical features for confirming the electronic signature attached to the redemption request information. Since it will be, a detailed description thereof will be omitted for convenience.

When the repurchase request information received through the information receiving unit 2415 further includes a predetermined password for confirming the validity of the repurchase request information according to an embodiment of the present invention, the validity confirming unit 2420 It is preferable to authenticate the validity of the received redemption request information by comparing and authenticating the password included in the redemption request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the repurchase request information received through the information receiving unit 2415 further includes predetermined security card information for confirming the validity of the repurchase request information, the validity confirming unit 2420 may request the repurchase request. It is preferable to authenticate the validity of the received redemption request information by comparing and authenticating the received security card information included in the information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the repurchase request information received through the information receiver 2415 further includes a predetermined OTP code for checking the validity of the repurchase request information, the validity checker 2420 may request the repurchase request information. It is preferable to authenticate the validity of the received redemption request information by comparing and authenticating an OTP code included in the received OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Do.

According to the method of the present invention, the validity of the redemption request information is determined whether at least one ledger information matching the redemption request information is registered in the ledger D / B on the financial system associated with the redemption request information registration system. It is preferable to include checking.

For example, the validity confirming unit 2420 may include, among the information included in the redemption request information, the customer information (customer personal information or member information, etc.) in the ledger D / B on the financial system associated with the redemption application information registration system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity of the financial product account information included in the financial product information of the repurchase request information, the financial product account information included in the financial product information is the ledger D / B on the financial system linked to the repurchase application information registration system It is preferable to include including a check to match the account ledger stored in.

Referring to FIG. 24, when the validity of the redemption request information is authenticated through the validity confirming unit 2420, the information registration server 2400 generates a predetermined redemption request electronic document including the received redemption request information. And an electronic document transmission unit 2430 for transmitting the generated repurchase request electronic document to the electronic document repository associated with the repurchase request information registration system.

The electronic document generation unit 2425 generates a repurchase request electronic document including the repurchase request information received from the information registration terminal 2490 through the information receiving unit 2415.

According to an embodiment of the present invention, the electronic document generation unit 2425 generates document content including at least one of customer information and repurchase request information included in the repurchase request information received through the information receiving unit 2415. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or an MHT. Web document files, etc.) is preferably processed as a repurchase request electronic document for automatic calculation of a swap point for a future exchange transaction contract when the foreign mutual fund repurchase process is performed.

Alternatively, the electronic document generation unit 2425 generates document content including at least one of customer information and repurchase request information included in the repurchase request information received through the information receiving unit 2415, After including at least one or more information of the customer information included in the repurchase request information, repurchase request information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) Files, electronic data interchange (EDI) files, word processor files containing at least one of HWP / DOC, etc., or web document files containing MHT). It is preferable to process the repurchase request electronic document for automatic point calculation.

Alternatively, the electronic document generator 2425 generates document content including at least one of customer information and redemption request information included in the redemption request information received through the information receiving unit 2415, and captures the document content. A redemption request electronic document for automatic calculation of a swap point for a futures exchange transaction contract when an overseas mutual fund redemption process is performed on an image file including captured image contents (for example, image contents generated by capturing the document contents on a memory) It is preferable to treat with.

Alternatively, the electronic document generator 2425 generates document content including at least one of customer information and redemption request information included in the redemption request information received through the information receiving unit 2415, and captures the document content. Capturing the image content (eg, the image content generated by capturing the document content on a memory) includes at least one or more pieces of information included in the repurchase request information and repurchase request information in a watermarking manner. Thereafter, it is preferable to process an image file including the image contents including the watermarking as a repurchase request electronic document for automatic calculation of a swap point for a future exchange transaction contract when the foreign mutual fund repurchase process is performed.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2425 may include document content including at least one of customer information and repurchase request information included in the repurchase request information received through the information receiving unit 2415. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), so that a swap point for a forward exchange transaction contract can be obtained when the foreign mutual fund redemption process is processed. It is preferable to process the repurchase request electronic document for automatic calculation.

Alternatively, the electronic document generator 2425 generates document content including at least one of customer information and redemption request information included in the redemption request information received through the information receiving unit 2415, and captures the document content. (Capture) includes at least one or more of the customer information and the repurchase request information included in the repurchase request information in the captured image content (for example, the image content generated by capturing the document content on a memory) by a watermarking method. And generating at least one document content including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the watermarking-containing image content. The foreign mutual fund redemption process by generating a word processor file or a web document file including MHT). It is advisable to process the repurchase request electronic document for the automatic calculation of the swap point for the city futures exchange contract.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2425 may include at least one document information including customer information and repurchase request information included in the repurchase request information received through the information receiving unit 2415. And a predetermined document file (eg, PDF (Portable) that includes image content (eg, image content generated by capturing the document content on a memory) and the redemption request information. A document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is advisable to process the repurchase request electronic document for the automatic calculation of the swap point for the futures exchange contract.

Alternatively, the electronic document generator 2425 generates document content including at least one of customer information and redemption request information included in the redemption request information received through the information receiving unit 2415, and captures the document content. (Capture) includes at least one or more of the customer information and the repurchase request information included in the repurchase request information in the captured image content (for example, the image content generated by capturing the document content on a memory) by a watermarking method. Generating an image content, and a document file including the watermarking image content and the redemption request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC). Generating a word processor file including at least one or a web document file including MHT), Be treated as a redemption application for electronic document automatically calculate the swap points for the forward exchange contracts during the mutual fund redemption process is preferred.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generation unit 2425 for generating a repurchase request electronic document in an image file format and / or a predetermined document file format, and the repurchase request. Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 2430 transmits and stores the repurchase request electronic document generated by the electronic document generating unit 2425 to a predetermined electronic document repository associated with the repurchase request information registration system. .

As shown in FIG. 24, the electronic document repository is connected to an information registration server 2400 on the redemption request information registration system and a predetermined electronic document server 2460 and electronic document D / B ( 2485), the electronic document transmission unit 2430, the electronic document server 2460 via the communication means for the repurchase request electronic document generated by the electronic document generation unit 2425 It characterized in that the transmission to.

Here, when the electronic document server 2460 and the electronic document D / B 2485 are provided outside the redemption request information registration system, the electronic document server 2460 and the electronic document D / B 2485 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the repurchase request information registration system, the electronic document transmitting unit 2430 is generated by the electronic document generating unit 2425. The repurchase request electronic document can be stored in the electronic document D / B 2485 corresponding to the electronic document storage on the DBMS provided in the repurchase request information registration system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 2430 inputs electronic document related information (for example, the redemption request information) for generating predetermined electronic document management information in the electronic document server 2460 (selection). ), And / or financial institution information for transmitting the repurchase request electronic document, and / or electronic document file format information, and / or the repurchase request information, etc.) to the electronic document repository. The present invention is not limited thereto.

Referring to FIG. 24, the information registration server 2400 swaps a repurchase request information received through the information receiving unit 2415 through a validity checking unit 2420 for a forward exchange transaction contract when the foreign mutual fund repurchase process is performed. When the validity for automatic point calculation is authenticated, an information storage unit 2435 is provided to link the customer information and the repurchase request information included in the repurchase request information for which the validity is authenticated and store them in a predetermined storage medium 2480. Characterized in that made.

When the validity of the redemption request information is confirmed by the validity confirming unit 2420, the information storage unit 2435 may process the customer information and the redemption request information included in the redemption request information in association with the storage medium 2480. The storage medium 2480 is provided in the information registration server 2400 or in the network associated with the information registration server 2400. ) Is preferably stored in the storage medium 2480 by linking the customer information and the repurchase request information included in the received repurchase request information, the storage medium 2480 is provided in the DBMS provided on the financial system If the information is stored, the information storage unit 2435 on the financial system by providing the customer information, repurchase request information included in the received repurchase request information to the information system through the external system on the financial system It is preferable to store in the provided DBMS.

Referring to FIG. 24, the information registration server 2400 corresponds to the information storage unit 2435 and corresponds to customer information and repurchase request information included in the repurchase request information stored in the information storage unit 2435. When the repurchase approval information is confirmed by the information confirming unit 2440 and the information confirming unit 2440 confirming the repurchase approval information corresponding to the financial product included in the repurchase request information, the repurchase approval information checking result In response to the repurchase date information included in the repurchase request information stored in the information storage unit 2435, to change the future exchange transaction contract expiration date for the future exchange transaction contract corresponding to the repurchase date, and change the future exchange transaction contract Corresponds to the forward exchange transaction contract processing unit 2445 and the forward exchange transaction contract processed by the forward exchange transaction contract processing unit 2445 for reprocessing the forward exchange transaction contract on the basis of the day. The contract confirmation issuing processing unit 2450 for processing issuance of a forward exchange transaction contract confirmation in association with a contract confirmation issuing processing device for issuing a forward exchange transaction contract confirmation, and for storing the forward exchange transaction contract information corresponding to the processing of the forward exchange transaction contract. Preferably, the forward exchange information storage unit 2455 is provided.

The information confirming unit 2440 is connected to the information storage unit 2435 and corresponds to the customer information and the repurchase request information included in the repurchase request information stored in the information storage unit 2435. Characterized in confirming the repurchase approval information corresponding to the financial product included in the.

According to the present invention, the information confirming unit 2440 is linked to the information storage unit 2435 to correspond to the customer information and the repurchase request information included in the redemption request information stored in the information storage unit 2435. It is preferable to check the repurchase approval information corresponding to the financial product included in the repurchase request information.

When the repurchase approval information is confirmed by the information confirming unit 2440, the future exchange transaction contract processing unit 2445 repurchases the repurchase request information stored in the information storage unit 2435 in response to the repurchase approval information checking result. In response to the day information, the forward exchange transaction contract expiration date for the forward exchange transaction contract corresponding to the repurchase date is changed, and the forward exchange transaction contract is reprocessed based on the change date of the forward exchange transaction contract.

According to the present invention, when the repurchase approval information is confirmed by the information confirming unit 2440, the future exchange transaction contract processing unit 2445 stores the repurchase request stored in the information storage unit 2435 in response to the repurchase approval information checking result. In response to the repurchase date information included in the information, it is preferable to change the futures exchange transaction expiration date for the futures exchange transaction contract corresponding to the repurchase date, and to reprocess the futures exchange transaction contract based on the change date of the futures exchange contract.

Here, the method for reprocessing the forward exchange contract when the maturity date for the futures exchange contract is changed, automatically calculates a swap point corresponding to the interest rate difference for the currency from the contract start date for the changed maturity, and the automatic It is desirable to reprocess the forward exchange transaction contract corresponding to the calculated swap point.

The contract confirmation issuing processing unit 2450 processes the issue of a forward exchange transaction contract confirmation in connection with a contract confirmation issuing processing device for issuing a forward exchange transaction contract confirmation corresponding to a forward exchange transaction contract processed by the forward exchange transaction contract processing unit 2445. It is characterized by.

According to the present invention, the contract confirmation issuance processing unit 2450 is connected to the contract confirmation issuing processing device for issuing a forward exchange transaction contract confirmation corresponding to the forward exchange transaction contract processed by the forward exchange transaction contract processing unit 2445 It is desirable to handle the issuance.

When the validity of the redemption request information is authenticated in response to the redemption request information received by the information receiving unit 2415, the forward exchange information storage unit 2455 corresponds to the redemption request information that has been validated. Automatically calculate a swap point corresponding to the redemption date information included in the redemption request information among the application information, and reprocess the forward exchange transaction contract corresponding to the calculated swap point, and process the processed forward exchange And storing the futures exchange transaction contract information corresponding to the transaction contract in the storage medium 2480.

According to the present invention, when the validity of the redemption request information is authenticated, in response to the redemption request information received by the information receiving unit 2415, the forward exchange information storage unit 2455 is provided with the validity of the redemption request information. Correspondingly, a swap point is automatically calculated according to the redemption date information included in the redemption request information among the redemption request information, and the future exchange transaction contract corresponding to the calculated swap point is processed again. In addition, it is preferable to store the forward exchange transaction contract information corresponding to the processed forward exchange transaction contract in the storage medium 2480.

Referring to FIG. 24, an electronic document which receives a predetermined repurchase request electronic document from the information registration server 2400 provided on the repurchase request information registration system and stores and manages it in a predetermined electronic document D / B 2485 The server 2460 includes an electronic document receiving unit 2465 for receiving a predetermined redemption request electronic document from the information registration server 2400 through a predetermined communication means, and the electronic document D / An information generation unit 2470 which generates predetermined electronic document management information for storage and management in the B 2485, and the electronic document management information and the redemption request electronic document by linking a predetermined electronic document D / B ( And an electronic document storage unit 2475 for storing in 2485.

The electronic document receiving unit 2465 may receive a redemption request electronic document in the form of an image file and / or a document file from the information registration server 2400 through the communication means.

According to one embodiment of the present invention, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means is the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing document content including at least one of customer information and repurchase request information included therein. Or a web document file including the MHT).

Alternatively, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means includes customer information and repurchase included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. After the document content including at least one request information includes at least one or more of the customer information included in the repurchase request information, the repurchase request information in a watermarking method, the document content including the watermarking is included. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

Alternatively, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means includes customer information and repurchase included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one request information.

Alternatively, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means includes customer information and repurchase included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. At least one of customer information included in the repurchase request information and repurchase request information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one request information. After including one or more pieces of information in a watermarking manner, it is preferable to include an image file including the image contents including the watermarking.

According to another embodiment of the present invention, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means is a repurchase request received by the information registration server 2400 from the information registration terminal 2490. A predetermined document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the information and repurchase request information. For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

Alternatively, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means includes customer information and repurchase included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. At least one of customer information included in the repurchase request information and repurchase request information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one request information. Generating image content including at least one information in a watermarking manner, and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the image content including the watermarking. A file, a word processor file including at least one of HWP / DOC, etc., or a web document file including an MHT. ) It is preferred which comprises a.

According to another embodiment of the present invention, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means is repurchased by the information registration server 2400 from the information registration terminal 2490. Image content (eg, image content generated by capturing the document content on a memory) and the repurchase request information including document information including at least one of customer information and repurchase request information included in the application information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the repurchase request electronic document received by the electronic document receiving unit 2465 through the communication means includes customer information and repurchase included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. At least one of customer information included in the repurchase request information and repurchase request information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one request information. Generate image content including at least one information by a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI file including the watermarking image content and the redemption request information). (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or MHT Web document files, etc.) to be included.

The information generating unit 2470 is a predetermined electronic document unique number (or unique information) to be assigned to the repurchase request electronic document received through the electronic document receiving unit 2465, and the repurchase through the electronic document receiving unit 2465 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the redemption application electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 2470 refers to the information retrieval request electronic document transmitted through the electronic document receiving unit 2465, and the repurchase request electronic document. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 2400 through the electronic document receiving unit 2465, the information generating unit 2470 may receive the received information. Electronic document-related information (e.g., customer information transmitted by inputting (selecting) the redemption request information, and / or financial institution information transmitting the redemption request electronic document, and / or electronic document file format information, and / or the It is preferable to generate electronic document management information, which further includes repurchase request information and the like.

The electronic document storage unit 2475 associates the redemption request electronic document received through the electronic document receiving unit 2465 with the electronic document management information generated through the information generating unit 2470, thereby providing a predetermined electronic document D /. It stores in B (2485).

According to the exemplary embodiment of the present invention, the information registration server 2400 stores the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a document file) containing document information including at least one or more customer information included in the redemption request information received from And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475 may be included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. After the watermarking method includes at least one or more of the customer information included in the redemption request information and the redemption request information in a document content including at least one of included customer information and repurchase request information, Document files containing the document content included (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more, such as HWP / DOC, or the Web including the MHT) Document files).

Alternatively, the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475 may be included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and repurchase request information. It is preferable.

Alternatively, the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475 may be included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. Customer information included in the redemption request information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and repurchase request information. And including at least one or more information of the repurchase request information in a watermarking manner, and then including an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the information retrieval application 2400 stores the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more customer information included in the repurchase request information received from A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to include a.

Alternatively, the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475 may be included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. Customer information included in the redemption request information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and repurchase request information. Generating an image content including at least one or more information of the repurchase request information in a watermarking manner, and a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking, or EDI (Electronic Data Interchange) files, word processor files including at least one of HWP / DOC, etc., or web document files including MHT. It is preferred comprising the like).

According to another exemplary embodiment of the present invention, the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475 may include the information registration server 2400. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of customer information included in the repurchase request information received from 2490 and repurchase request information; A predetermined document file including the redemption request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Web document files, etc.).

Alternatively, the repurchase request electronic document stored in the electronic document D / B 2485 by the electronic document storage unit 2475 may be included in the repurchase request information received by the information registration server 2400 from the information registration terminal 2490. Customer information included in the redemption request information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and repurchase request information. And generating image content including at least one or more information of the repurchase request information by a watermarking method, and a document file including the watermarking image content and the repurchase request information (eg, a PDF (Portable Document). Format file, EDI (Electronic Data Interchange) file, Word processor file including at least one or more, such as HWP / DOC, or MHT It comprises a web page file, and so on), including preferred.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 2485 by the electronic document storage unit 2475 in association with the redemption request electronic document is stored in the redemption request electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2485 by the electronic document storage unit 2475 in association with the repurchase request electronic document is the repurchase request electronic document. It is preferable that the information registration server 2400, which has been transmitted, further comprises information on the financial institution that has transmitted the repurchase request electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 2400, the electronic document storage unit 2475 processes the electronic document by linking with the redemption request electronic document. The electronic document management information stored in the document D / B 2485 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the redemption request information, and / or the redemption request electronic document). Financial institution information to be transmitted, and / or electronic document file format information, and / or the repurchase application information).

25 is a repurchase request stored in the ledger D / B 2500 provided in the DBMS on the financial system in a non-face-to-face in order to automatically calculate the swap point for the futures exchange transaction contract when processing overseas mutual fund repurchase according to an embodiment of the present invention It is a figure which shows an information structure.

More specifically, FIG. 25 illustrates the ledger information provided in the ledger D / B 2500 when the storage medium 2480 shown in FIG. 24 is the ledger D / B 2500 provided in a DBMS on a financial system. FIG. 25 illustrates an information structure for an embodiment of a method for storing repurchase request information including the customer information and repurchase request information. Referring to FIG. And / or may be modified to infer various information construction methods for storing the redemption request information in the ledger D / B 2500, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implementation method.

Referring to FIG. 25 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2500 provided in a DBMS on a financial system includes a predetermined ledger and an account ledger associated with the ledger. , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 2500 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 25, the repurchase request information provided through the repurchase request information registration system shown in FIG. 24 is stored in the form of additional information added to the account ledger, and the repurchase request information includes customer information and repurchase. Characterized in that it comprises at least one request information.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

According to another embodiment of the present invention, the repurchase request information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

Figure 26 is linked to the ledger D / B (2600) provided in the DBMS on the financial system in a non-face-to-face for the automatic calculation of the swap point for the futures exchange transaction contract when processing foreign mutual fund repurchase process according to another embodiment of the present invention It is a figure which shows the structure of repurchase request information stored in the database.

More specifically, FIG. 26 shows an information structure for an implementation method in which the storage medium 2480 illustrated in FIG. 24 is stored in a predetermined database linked to the ledger D / B 2600 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 26 to associate the repurchase request information with the ledger D / B 2600 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 26, when it is not easy to store the repurchase request information in the ledger information of the ledger D / B 2600 on the DBMS provided on the financial system (for example, in accordance with the policy of the financial institution, the ledger D of the DBMS) / B (2600) is not easy to change, or the system is not easy to expand the system due to the nature of the financial system), instead of the ledger D / B (2600) stores the repurchase request information in a predetermined database, and The implementation method of linking and storing a database and the ledger D / B 2600 is illustrated.

In addition, the database shown in FIG. 26 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 26, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 26, the database may store and store the customer information and the repurchase request information included in the repurchase request information, and the repurchase request information may be processed in association with the ledger D / B 2600. It is preferable that the repurchase request information further includes a CIF number corresponding to the ledger information.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information is for the mid-term repurchase date for midterm repurchase of the financial instrument or the maturity of the financial instrument in order for the customer to repurchase the financial instrument using a foreign exchange such as the foreign mutual fund. It is preferable to include at least one or more of the designated maturity resale date.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

FIG. 27 is a non-face-to-face configuration for repurchase request information stored in a DBMS provided in a banking server 2700 in order to automatically calculate a swap point for a forward exchange transaction contract when processing an overseas mutual fund repurchase according to another embodiment of the present invention. Figure is shown.

More specifically, FIG. 27 illustrates a predetermined banking system in which the storage medium 2480 shown in FIG. 24 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 2700, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. 2700 may be inferred from the information configuration method for the repurchase application information stored in the predetermined DBMS, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. It is not limited.

Referring to FIG. 27, a predetermined DBMS provided in the banking server 2700 may store and store customer information and repurchase request information included in the repurchase request information.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

28A and 28B illustrate a process of registering repurchase application information in a non-face-to-face manner in order to automatically calculate a swap point for a forward exchange transaction contract when processing an overseas mutual fund repurchase according to one embodiment of the present invention.

In more detail, FIGS. 28A and 28B show that the information registration terminal 2490 on the redemption request information registration system shown in FIG. 24 is a client terminal, and the information registration server 2400 is a client terminal via a predetermined network means. In the case of having a web server function that is accessible, at least one customer information and a repurchase request information are provided through a client terminal for automatically calculating a swap point for a future exchange transaction contract when a predetermined customer processes the foreign fund repurchase process. If the repurchase request information is included, the repurchase request information registration system generates a predetermined repurchase request electronic document including the provided repurchase request information and stores it in a predetermined electronic document repository, and includes the repurchase request information. The customer information and repurchase request information are cooperatively processed and stored in a predetermined storage medium 2480. As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains refer to and / or modify the drawings 28a and 28b to request the redemption from the client terminal to the information registration server 2400. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 28A and 28B.

For example, in the method shown in FIGS. 28A and 28B, the client terminal receives a user interface for inputting (or selecting) the redemption request information through a predetermined web page provided by the information registration server 2400. Although illustrated as being described, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 2400, and the present invention is not limited thereto.

In the following FIGS. 28A and 28B, the client terminal shown in FIG. 24 is referred to as a "terminal" for convenience, and the information registration server 2400 shown in FIG. 24 is referred to as a "server" for convenience. The customer information and repurchase request information transmitted to the information registration server 2400 are referred to as "repurchase request information" for convenience.

Referring to FIGS. 28A and 28B, the client terminal illustrated in FIG. 24 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the overseas When the mutual fund purchase process is processed, when a web page including a user interface for automatically calculating a swap point for a future exchange transaction contract is requested (2800), the server correspondingly repurchases at least one of the customer information and the repurchase request information. Generate (or extract) a web page including a user interface for entering (or selecting) application information and sending it to the server; In operation 2805, the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (2810).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the repurchase request information registration procedure, and thus the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) repurchase request information including at least one or more customer information and repurchase request information through a user interface included in the webpage (2815).

If the terminal purchases (or selects) the repurchase request information including the customer information and the repurchase request information through the user interface (2820), the terminal receives the input (or selects) the customer information through the communication channel. The purchase request information is transmitted to the server (2825).

According to an embodiment of the present invention, the terminal includes a predetermined password and / or security card for confirming the validity of the repurchase request information on the server in the repurchase request information including at least one of the customer information and the repurchase request information. At least one or more information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for repurchase request information including at least one of the customer information and the repurchase request information. And / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the redemption request information to transmit to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) of the provided, the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for repurchase request information including at least one of the customer information and the repurchase request information. And / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. For this purpose, the terminal includes at least one corresponding to the encryption scheme. The IC chip in the case of having the above-mentioned encryption key, and / or having a predetermined certificate including at least one encryption key, and / or having the certificate in a predetermined IC chip (or IC card) (Or IC card) is preferably provided with a card reader for confirming the public certificate.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the redemption request information and the technical features of attaching a predetermined electronic signature to the redemption request information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the repurchase request information through the communication channel to confirm the validity of the repurchase request information (2830).

According to an embodiment of the present invention, the repurchase request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange). And the server encrypts the encrypted repurchase request information at least one decryption method (eg, symmetric key based decryption method and / or public key based decryption method) corresponding to the encryption method. And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received redemption request information.

Alternatively, when a predetermined electronic signature is attached to the repurchase request information, the server may verify the validity of the received repurchase request information by checking the electronic signature attached to the repurchase request information.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted redemption request information and the technical features for confirming the electronic signature attached to the redemption request information. Since it will be, a detailed description thereof will be omitted for convenience.

When the repurchase request information received through the information receiving unit 2415 further includes a predetermined password for confirming the validity of the repurchase request information according to an embodiment of the present invention, the server may add the repurchase request information to the repurchase request information. It is preferable to authenticate the validity of the received repurchase request information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the repurchase request information received through the information receiving unit 2415 further includes predetermined security card information for confirming the validity of the repurchase request information, the server is included in the repurchase request information to receive it. It is preferable to authenticate the validity of the received repurchase request information by comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS.

Alternatively, when the repurchase request information received through the information receiving unit 2415 further includes a predetermined OTP code for checking the validity of the repurchase request information, the server is included in the repurchase request information and received. It is preferable to authenticate the validity of the received redemption request information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the validity confirmation of the redemption request information includes at least one ledger information matching the redemption request information in the ledger D / B 2600 on the financial system associated with the redemption request information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2420 may include, among the information included in the redemption request information, the customer information (customer personal information or member information, etc.) in the ledger D / B on the financial system associated with the redemption application information registration system. It is preferably made to include matching with the customer ledger stored in (2600).

In addition, the validity of the financial product account information included in the financial product information of the repurchase request information, the financial product account information included in the financial product information is the ledger D / B on the financial system linked to the repurchase application information registration system It is preferable to include a check to match with the account ledger stored in (2600).

If the validity of the redemption request information is not authenticated (2835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2840), and information corresponding to the redemption request information Do not perform the registration process.

On the other hand, if the validity of the repurchase request information is authenticated (2835), the server generates predetermined document content including at least one or more customer information including the repurchase request information, repurchase request information (2845), and the document A predetermined redemption request electronic document including the content is generated (2850).

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information, repurchase request information included in the received repurchase request information, a document file (eg, When processing a foreign fund repurchase process such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) It is advisable to process the repurchase request electronic document for the automatic calculation of the swap point for the futures exchange contract.

Alternatively, the server may generate document content including at least one of customer information and redemption request information included in the received redemption request information, and among the customer information and redemption request information included in the redemption request information in the document content. After including at least one or more information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including the watermarking. Or a word processor file including at least one or more DOC, or a web document file including MHT, etc.) as a repurchase request electronic document for automatic calculation of a swap point for a futures exchange contract when the foreign mutual fund repurchase is processed. desirable.

Alternatively, the server may generate document content including at least one of customer information and repurchase request information included in the received repurchase request information, and capture image content (eg, the document content) that captures the document content. It is preferable to process the image file including the image content captured on the memory as a repurchase request electronic document for the automatic calculation of the swap point for the future exchange transaction contract during the foreign fund repurchase process.

Alternatively, the server may generate document content including at least one of customer information and repurchase request information included in the received repurchase request information, and capture image content (eg, the document content) that captures the document content. Image content captured on the memory) by including at least one or more of the customer information included in the repurchase request information and the repurchase request information by a watermarking method, and including the image content including the watermarking. It is preferable to process the image file as a repurchase request electronic document for automatic calculation of a swap point for a future exchange transaction contract when processing the foreign mutual fund repurchase.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and repurchase request information included in the received repurchase request information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) By generating at least one word processor file or a web document file including MHT), and processing the foreign mutual fund repurchase process as a repurchase request electronic document for automatic calculation of a swap point for a forward exchange transaction contract. Do.

Alternatively, the server may generate document content including at least one of customer information and repurchase request information included in the received repurchase request information, and capture image content (eg, the document content) that captures the document content. Image content captured on the memory) to generate image content including at least one or more of the customer information included in the repurchase request information and the repurchase request information by a watermarking method, and including the watermarking. Document files containing image contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.), a swap point for a forward exchange transaction contract when processing the foreign mutual fund redemption. It is desirable to process electronic documents to apply for redemptions for the same output.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and repurchase request information included in the received repurchase request information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content (eg, image content generated by capturing the document content on a memory) and the redemption request information; Or a word processing file including at least one of HWP / DOC, or a web document file including MHT), and the like, a request for repurchase for automatic calculation of a swap point for a future exchange transaction contract when the overseas mutual fund redemption is processed. It is preferable to process the document.

Alternatively, the server generates document content including at least one or more customer information and redemption request information included in the received redemption request information, and captures the image content (eg, the document content). Image content generated by capturing the image on the memory), the image content including at least one or more of the customer information included in the repurchase request information and the repurchase request information by a watermarking method, and including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one image content and the repurchase request information, or a MHT. By generating a web document file, including), the future exchange trading system at the time of the foreign mutual fund repurchase process It is preferable to process the repurchase request electronic document for automatic calculation of the swap point for the medicine.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a repurchase request electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the repurchase request electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated redemption request electronic document in a predetermined electronic document storage (2855).

As shown in FIG. 24, the electronic document repository includes a predetermined electronic document server 2460 and an electronic document D / B 2485 associated with a server on the redemption request information registration system through predetermined communication means. In the case of being provided externally, the server preferably transmits the generated repurchase request electronic document to the electronic document server 2460 through the communication means and stores the electronic document server 2460 in the electronic document D / B 2485.

Alternatively, when the electronic document storage is provided on a DBMS provided in the repurchase request information registration system, the server sends the generated repurchase request electronic document to an electronic document repository on the DBMS provided in the repurchase request information registration system. It is possible to store in the corresponding electronic document D / B 2485, whereby the present invention is not limited.

According to the method of the present invention, storing the redemption request electronic document in the electronic document storage, the electronic document D shown in Fig. 24 by processing the generated repurchase request electronic document and predetermined electronic document management information It is preferable to include storing in / B (2485).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the repurchase request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the redemption request electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the repurchase request information, and / or financial institution information transmitting the repurchase request electronic document, and / or Electronic document file format information, and / or the repurchase request information).

If the repurchase request electronic document is stored in the electronic document repository (2860), the server stores the data on the predetermined storage medium 2605 by cooperatively processing the customer information and repurchase request information included in the repurchase request information (2860). 2865) generating predetermined information registration history information (e.g., details of storing the repurchase request electronic document in the electronic document repository, and / or details of storing the repurchase request information in the storage medium 2605) (or Extract it and transmit it to the terminal (2870).

According to an embodiment of the present invention, the storage medium 2605 is preferably provided in a DBMS on a financial system provided on the redemption request information registration system (or associated with the redemption request information registration system). The storage medium 2605 may be a ledger D / B 2600 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 2600, whereby The name is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2605 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the redemption request information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

29A, 29B, and 29C illustrate a process of registering information on a redemption request through a non-face-to-face financial transaction channel for automatic calculation of a swap point for a forward exchange transaction contract when processing an overseas mutual fund redemption according to an embodiment of the present invention. One drawing.

In more detail, FIGS. 29A, 29B, and 29C illustrate a case in which a repurchase request information registration system shown in FIG. 24 is realized through an internet banking system in a non-face-to-face financial transaction channel (that is, a repurchase request shown in FIG. 24). In the case where the information registration server 2400 on the information registration system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and a predetermined customer authentication procedure. After performing, the client terminal transmits the predetermined repurchase request information for the automatic calculation of the swap point for the future exchange transaction contract when the foreign mutual fund repurchase processing, the Internet banking server, the received repurchase request Generate a predetermined repurchase request electronic document containing the information and store it in a predetermined electronic document storage, An embodiment of the present invention relates to an operation method of linking and processing the customer information and the repurchase request information included in the repurchase request information in a predetermined storage medium 2605. Although various implementation methods of registering the redemption application information through other types of non-face-to-face financial transactions channels may be inferred by referring to and / or modifying the drawings 29a and 29b and 29c, the present invention is intended to implement all the inferred implementations. A method is included, and the present invention is not limited to the embodiment shown in FIGS. 29A, 29B, and 29C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 29A, 29B, and 29C, Although the implementation method of connecting the Internet banking-based financial transaction channel for registering the redemption request information between the client terminal and the Internet banking server based on the browser program is shown, those of ordinary skill in the art to which the present invention pertains. And a client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 29A, 29B, and 29C. Internet Banking Server Corp Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering a redemption application information to the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 29a, 29b and 29c, In another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering a redemption request information may be inferred. It includes all types of non-face-to-face channel based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in FIGS. 29A, 29B, and 29C.

In the following Figures 29a, 29b and 29c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 2400 is referred to as "server" for convenience.

Referring to FIGS. 29A, 29B and 29C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (2900a), the server communicates with the terminal through the browser. The communication channel between the servers is connected (2905a), where the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server (or extracted) and transmitted to the terminal, the terminal This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the web browser.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests version information and / or last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (2915a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And install and / or update 2920a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2925a), or if the terminal does not need to install and / or update the Internet banking security module (2915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the information to be provided to the server for registering the redemption application information in the terminal ( Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm) and is also provided by the terminal to the server for registration of repurchase request information. (Or data) attaches a predetermined electronic signature and / or at least one or more When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2940a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transactions based on the customer authentication data received from the terminal. (2945a).

If the Internet banking customer authentication fails (2950a), the server blocks the Internet banking security channel for the terminal (2955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (2950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2960a), where the Internet banking based The financial transaction channel means a communication channel that can register and transmit predetermined repurchase application information for automatic calculation of a swap point for a future exchange transaction contract from the terminal to the server when the foreign mutual fund repurchase process is performed.

Subsequently, when the terminal requests a web page including a user interface for automatically calculating a swap point for a future exchange transaction contract to the server through an internet banking-based financial transaction channel (2900b), the server responds to the request. The server generates (or extracts) a web page including a user interface for inputting (or selecting) repurchase request information including at least one of the customer information and repurchase request information to the server (2905b). In operation 2910b, a web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel.

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) repurchase request information including at least one of customer information and repurchase request information in the terminal, and / or Predetermined password and / or security card information (e.g., security card information printed on the security card issued to the customer during the internet banking application process) to confirm the validity of the Internet banking customer requesting to register the redemption application information; / Or users who enter one time password (OTP) (e.g. one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application) It is preferable to further include an interface.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the repurchase request information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) the redemption request information including at least one of the customer information and the redemption request information through the information registration interface (2915b).

If the terminal purchases (or selects) the repurchase request information including the customer information and the repurchase request information through the user interface (2920b), the terminal receives the repurchase of the input (or select) through the financial transaction channel. The application information is transmitted to the server (2925b).

According to an embodiment of the present invention, the terminal includes a predetermined password and / or security card for confirming the validity of the repurchase request information on the server in the repurchase request information including at least one of the customer information and the repurchase request information. At least one or more information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for repurchase request information including at least one of the customer information and the repurchase request information. And / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the redemption request information to transmit to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) is provided, the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for repurchase request information including at least one of the customer information and the repurchase request information. And / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. For this purpose, the terminal includes at least one corresponding to the encryption scheme. The IC chip in the case of having the at least one encryption key, and / or having a predetermined certificate including at least one encryption key, and / or having the certificate at a predetermined IC chip (or IC card) (Or IC card) is preferably provided with a card reader for confirming the public certificate.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the redemption request information and the technical features of attaching a predetermined electronic signature to the redemption request information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the redemption request information through the financial transaction channel to confirm the validity of the redemption request information (2930b).

According to an embodiment of the present invention, the repurchase request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange). And the server encrypts the encrypted repurchase request information at least one decryption method (eg, symmetric key based decryption method and / or public key based decryption method) corresponding to the encryption method. And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received redemption request information.

Alternatively, when a predetermined electronic signature is attached to the repurchase request information, the server may verify the validity of the received repurchase request information by checking the electronic signature attached to the repurchase request information.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted redemption request information and the technical features for confirming the electronic signature attached to the redemption request information. Since it will be, a detailed description thereof will be omitted for convenience.

When the repurchase request information received through the information receiving unit 2415 further includes a predetermined password for confirming the validity of the repurchase request information according to an embodiment of the present invention, the server may add the repurchase request information to the repurchase request information. It is preferable to authenticate the validity of the received repurchase request information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the repurchase request information received through the information receiving unit 2415 further includes predetermined security card information for confirming the validity of the repurchase request information, the server is included in the repurchase request information to receive it. It is preferable to authenticate the validity of the received redemption request information by comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS.

Alternatively, when the repurchase request information received through the information receiving unit 2415 further includes a predetermined OTP code for checking the validity of the repurchase request information, the server is included in the repurchase request information and received. It is preferable to authenticate the validity of the received redemption request information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the validity confirmation of the redemption request information includes at least one ledger information matching the redemption request information in the ledger D / B 2600 on the financial system associated with the redemption request information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2420 may include, among the information included in the redemption request information, the customer information (customer personal information or member information, etc.) in the ledger D / B on the financial system associated with the redemption application information registration system. It is preferably made to include matching with the customer ledger stored in (2600).

In addition, the validity of the financial product account information included in the financial product information of the repurchase request information, the financial product account information included in the financial product information is the ledger D / B on the financial system linked to the repurchase application information registration system It is preferable to include a check to match with the account ledger stored in (2600).

If the validity of the redemption request information is not authenticated (2935b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2940b), and information corresponding to the redemption request information Do not perform the registration process.

On the other hand, if the validity of the repurchase request information is authenticated (2935b), the server generates at least one document content including the repurchase request information, at least one customer information, repurchase request information (2945b), and the document A predetermined redemption request electronic document including the content is generated (2950c).

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information, repurchase request information included in the received repurchase request information, a document file (eg, When processing a foreign fund repurchase process such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) It is desirable to process the repurchase request electronic document for automatic calculation of the swap point for the forward exchange contract.

Alternatively, the server may generate document content including at least one of customer information and redemption request information included in the received redemption request information, and among the customer information and redemption request information included in the redemption request information in the document content. After including at least one or more information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including the watermarking. Or a word processor file including at least one or more DOC, or a web document file including MHT, etc.) as a repurchase request electronic document for automatic calculation of a swap point for a futures exchange contract when the foreign mutual fund repurchase is processed. desirable.

Alternatively, the server may generate document content including at least one of customer information and repurchase request information included in the received repurchase request information, and capture image content (eg, the document content) that captures the document content. It is preferable to process the image file including the image content captured on the memory as a repurchase request electronic document for the automatic calculation of the swap point for the future exchange transaction contract during the foreign fund repurchase process.

Alternatively, the server may generate document content including at least one of customer information and repurchase request information included in the received repurchase request information, and capture image content (eg, the document content) that captures the document content. Image content captured on the memory) by including at least one or more of the customer information included in the repurchase request information and the repurchase request information by a watermarking method, and including the image content including the watermarking. It is preferable to process the image file as a repurchase request electronic document for automatic calculation of a swap point for a future exchange transaction contract when processing the foreign mutual fund repurchase.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and repurchase request information included in the received repurchase request information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) By generating at least one word processor file or a web document file including MHT), and processing the foreign mutual fund repurchase process as a repurchase request electronic document for automatic calculation of a swap point for a forward exchange transaction contract. Do.

Alternatively, the server generates document content including at least one or more customer information and redemption request information included in the received redemption request information, and captures the image content (eg, the document content). Image content generated by capturing the image on the memory), the image content including at least one or more of the customer information included in the repurchase request information and the repurchase request information by a watermarking method, and including the watermarking. A document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or a web document including an MHT. By creating a file, etc., a swap point for a forward exchange transaction contract when processing the foreign mutual fund redemption. It is desirable to process electronic documents to apply for redemptions for the same output.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and repurchase request information included in the received repurchase request information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content (eg, image content generated by capturing the document content on a memory) and the redemption request information; Or a word processing file including at least one of HWP / DOC, or a web document file including MHT), and the like, a request for repurchase for automatic calculation of a swap point for a future exchange transaction contract when the overseas mutual fund redemption is processed. It is preferable to process the document.

Alternatively, the server may generate document content including at least one of customer information and repurchase request information included in the received repurchase request information, and capture image content (eg, the document content) that captures the document content. Image content captured on the memory) to generate image content including at least one or more of the customer information included in the repurchase request information and the repurchase request information by a watermarking method, and including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one image content and the redemption request information, or a MHT; By generating a web document file, etc.), the forward exchange transaction system when the foreign mutual fund redemption processing is performed. Redemption is desirable to process electronic documents to apply for the swap points for automatic calculation.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a repurchase request electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the repurchase request electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated redemption request electronic document in a predetermined electronic document storage (2955c).

As shown in FIG. 24, the electronic document repository includes a predetermined electronic document server 2460 and an electronic document D / B 2485 associated with a server on the redemption request information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated repurchase request electronic document to the electronic document server 2460 via the communication means to store in the electronic document D / B (2485).

Alternatively, when the electronic document storage is provided on a DBMS provided in the repurchase request information registration system, the server sends the generated repurchase request electronic document to an electronic document repository on the DBMS provided in the repurchase request information registration system. It is possible to store in the corresponding electronic document D / B 2485, whereby the present invention is not limited.

According to the method of the present invention, storing the redemption request electronic document in the electronic document storage, the electronic document D shown in Fig. 24 by processing the generated repurchase request electronic document and predetermined electronic document management information It is preferable to include storing in / B (2485).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the repurchase request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the redemption request electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the repurchase request information, and / or financial institution information transmitting the repurchase request electronic document, and / or Electronic document file format information, and / or the repurchase request information).

If the repurchase request electronic document is stored in the electronic document repository (2960c), the server stores the information on the repurchase request information and repurchase request information included in the repurchase request information in a predetermined storage medium 2605 ( 2965c) generating predetermined information registration history information (e.g., details of storing the repurchase request electronic document in the electronic document repository, and / or details of storing the repurchase request information in the storage medium 2605) (or Extract it and transmit it to the terminal (2970c).

According to an embodiment of the present invention, the storage medium 2605 is preferably provided in a DBMS on a financial system provided on the redemption request information registration system (or associated with the redemption request information registration system). The storage medium 2605 may be a ledger D / B 2600 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 2600. The invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2605 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the redemption request information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

30 is a diagram illustrating a forward exchange transaction contract processing process for automatically calculating a swap point for a forward exchange transaction contract in a non-face-to-face mutual fund repurchase process according to an embodiment of the present invention.

More specifically, the drawing 30 is connected to the financial information registration system shown in Figure 24, buyback including at least one or more customer information, repurchase request information input through the information registration terminal provided in the financial information registration system In response to the application information, confirm the repurchase approval information included in the repurchase application information, and automatically swap points for the futures exchange transaction contract when processing the overseas mutual fund repurchase in a non-face-to-face manner in response to the confirmed approval information. As a view illustrating the processing of a forward exchange transaction contract for calculation, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a future exchange transaction contract when a foreign mutual fund redemption processing is performed in a non-face-to-face manner by referring to and modifying this drawing 30. Various implementation methods can be inferred for the processing of futures exchange contracts for automatic calculation of swap points for The would, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 30.

The repurchase request information corresponds to a predetermined financial product subscribed by the customer for a financial transaction using a foreign exchange such as a predetermined foreign mutual fund, and repurchases the financial product before the expiration of the financial instrument or by extending the maturity. When requesting, it is preferable to include at least one financial product information, repurchase approval information, repurchase date information corresponding to the repurchase request.

The financial product information included in the repurchase request information includes at least one financial product account information, beneficiary certificate information, etc. corresponding to a financial product using a foreign exchange, such as an overseas mutual fund that the customer inputs (or selects) for repurchase. It is preferable to make it.

The repurchase approval information included in the repurchase request information may include approval information for approving the repurchase when the customer repurchases a financial product using a foreign exchange such as the overseas mutual fund.

The repurchase date information included in the repurchase request information may be used to extend a repurchase date for the repurchase of the financial instrument, or the maturity of the financial instrument, when the customer repurchases the financial instrument using a foreign exchange, such as the foreign mutual fund. It is preferable to include at least one or more maturity redemption dates, etc. which are designated.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the repurchase request information registration system in response to the customer by subscribing as a financial transaction customer of the institution; It is preferable to include at least one.

Hereinafter, in this drawing, the window terminal shown in Fig. 24 is referred to as a "terminal" for convenience, and the information registration server 2400 shown in Fig. 24 is referred to as a "server" for convenience, and the information registration is performed in the window terminal. The customer information and repurchase request information transmitted to the server 2400 are referred to as "repurchase request information" for convenience.

The server checks the repurchase request information included in the repurchase request information input through the terminal (3000).

If the server determines that the repurchase request information included in the repurchase request information is not a repurchase request (3005), the repurchase processing procedure corresponding to the repurchase request information is not performed.

On the other hand, when the repurchase request information included in the repurchase request information is confirmed by the server, and the repurchase request (3005), the server calculates a swap point corresponding to the repurchase request information (Swap Point), the calculated swap point Process a forward exchange transaction contract corresponding to (Swap Point) (3015).

Thereafter, the server stores the forward exchange transaction contract information corresponding to the forward exchange transaction contract in a predetermined storage medium 2605 provided in the server (3020), and the forward exchange transaction contract confirmation letter corresponding to the forward exchange transaction contract application information in the server. Generate information (3025).

The server outputs a contract confirmation corresponding to the forward exchange transaction contract confirmation information in association with a contract confirmation issuing processing device associated with the server (3030).

According to the present invention, when a maturity date is changed or a mid-term repurchase is made for a financial instrument using a foreign exchange such as an overseas mutual fund, a swap point is calculated to process a forward exchange transaction contract in order to process a forward exchange transaction contract associated with the financial instrument. There is an advantage that a lot of time is shortened.

In addition, since the link processing process with the foreign currency management department is omitted in the process of recalculating the swap point in order to reprocess the forward exchange transaction contract associated with the financial product, the accuracy is improved.

Claims (4)

Signing a forward exchange transaction contract corresponding to an overseas investment product subscribed to by a predetermined customer in a predetermined contract processing means; Receiving repurchase request information including repurchase date information for the foreign investment product of the customer in a predetermined information receiving means; Signing a new futures exchange transaction contract using a repurchase date included in the repurchase request information at a predetermined new contract processing means; And And storing the newly concluded futures exchange transaction contract information in a predetermined information storage means in association with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium. How to deal with futures exchange contracts linked to foreign investment products. The method of claim 1, And forwarding the newly concluded futures exchange transaction contract information to the customer communication means in a predetermined information transmission means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1 or 2. Contract processing means for entering into a forward exchange transaction contract corresponding to an overseas investment product subscribed by a predetermined customer; Information receiving means for receiving repurchase request information including repurchase date information of the foreign investment product of the customer; New contract processing means for newly entering the futures exchange transaction contract using a repurchase date included in the repurchase request information as an expiration date; And And information storage means for processing the newly concluded futures exchange transaction contract information in association with the customer information (or foreign investment product information subscribed to by the customer) in a predetermined storage medium. Forward exchange transaction processing system in conjunction with

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