KR20090021052A - System and method for processing funds and recording medium - Google Patents

Abstract

A fund operating method and a system, and recording medium therefor are provided to make the reinvestment amount of money changed into cash to be reinvested one or more other financial goods. A fund operating method includes a step for storing the client pre-approval information which confronts to reinvest the excess earning in one or more other financial goods in the storage media by considering the fund information, and the standard earning rate information for confirming the excess earning about fund; the step for confirming whether the excess earning comes into or not by comparing the fund yield rate and the standard earning rate; the step for producing the reinvestment amount of money corresponding to the excess earning rate; the step for making the reinvestment amount of money changed into cash to be reinvested one or more other financial goods.

Description

Fund operation method and system and recording medium for such system {System and Method for Processing Funds and Recording Medium}

1 is a diagram illustrating a face-to-face fund subscription system that provides a reinvestment function based on excess return (or negative return) according to one embodiment of the present invention.

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

3 is an embodiment of the present invention in which a storage medium storing fund operation information corresponding to a fund subscribed in a face-to-face manner includes a database associated with a ledger D / B provided in a DBMS on a financial system. Figure is a diagram.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server, a storage medium storing fund operation information corresponding to a fund subscribed in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B are diagrams illustrating a fund subscription process for providing a reinvestment function based on excess profit (or negative profit) in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating a fund subscription process for providing a reinvestment function based on excess revenue (or negative profit) in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a fund subscription process for providing a reinvestment function based on excess return (or negative return) in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face fund subscription system that provides a reinvestment function based on excess return (or negative return) according to another exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium storing fund operation information corresponding to a 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.

FIG. 10 illustrates an embodiment in which a storage medium storing fund operation information corresponding to a fund subscribed in a non-face-to-face manner includes a database associated with a ledger D / B provided in a DBMS on a financial system, according to another embodiment of the present invention. A diagram illustrating the method.

FIG. 11 illustrates an embodiment of a method in which a storage medium storing fund operation information corresponding to a fund subscribed in a non-face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a fund subscription process providing a reinvestment function according to excess revenue (or negative profit) in a non-face to face manner according to one embodiment of the present invention.

133A, 13B, and 13C are diagrams illustrating a fund subscription process for providing a reinvestment function based on excess return (or negative return) according to one embodiment of the present invention.

14 illustrates a fund management system for reinvestment based on excess returns (or negative returns) according to an embodiment of the present invention.

15 is a diagram illustrating a reinvestment process based on excess return according to one embodiment of the present invention.

16 is a diagram illustrating a reinvestment process based on negative profit according to another exemplary embodiment of the present invention.

According to the present invention, when the customer joins a fund, the information storage means includes information on the fund information subscribed to by the customer and the reference return rate (or expected return rate, reference return) information for identifying the excess return for the fund and the excess return. Storing customer preauthorization information for reinvesting in a financial product in a storage medium; and when a rate of return for a fund to which the customer subscribes is calculated during the operation of the fund, a profit checking means is connected to the storage medium. Comparing a fund return (or fund return) with the reference return (or expected return) to determine if excess returns occur; and when the excess return occurs, the amount from the reference return (or estimated return, reference return) Identify excess returns (or excess returns) by subtracting fund returns (or fund proceeds) Calculating a reinvestment amount corresponding to the excess return (or excess return); repurchase the identified reinvestment amount based on customer approval information stored in the storage medium in the reinvestment processing means, and convert the cash value into the cash value; A method of operating a fund, the method comprising processing the reinvested amount to be reinvested in at least one or more other financial instruments.

As the desire to improve the quality of life is stimulated by the whole nation, interest in financial technology is increasing, and financial institutions are launching various financial investment products such as funds.

However, not all investment products will always generate a constant return, nor will the profits generated at the present time remain until the expiration of the contract.

Therefore, in order to maintain stable returns on financial investment products and manage risks, investors should always check the operational status of their investment products and make appropriate decisions at the right time, Employees who have knowledge or have difficulty in real-time checking the investment status of the investment product include difficulties in profit management and risk management.

An object of the present invention for solving the above problems, when the customer joins the fund, the base information (or expected return, the base profit) information and the excess return for identifying the fund information and excess return for the fund that the customer subscribed to A storage medium that stores and stores customer preauthorization information for reinvesting in at least one or more other financial products, and returns to a fund that the customer subscribes to during the operation of the fund, the fund in connection with the storage medium Revenue checking means for comparing excess returns (or fund returns) with the reference returns (or expected returns) to determine if excess returns occur; and when the excess returns occur, the fund returns (or estimated returns, base returns) Or the fund's proceeds) to determine the excess return (or excess return), An amount confirmation means for calculating a reinvestment amount corresponding to an profit rate (or excess profit), and repurchases the confirmed reinvestment amount on the basis of customer approval information stored in the storage medium, and at least one of the cashed reinvestment amount is one; It is to provide a fund management system having a reinvestment processing means for processing to be reinvested in the other financial products.

The fund management method according to the present invention, when the customer joins the fund, the reference information (or expected rate of return, reference profit) information for checking the fund information and the excess return for the fund in the information storage means and the excess Storing customer preauthorization information for reinvesting the profit in at least one or more other financial products in a storage medium, and when a rate of return for the fund to which the customer subscribes is calculated during the operation of the fund, Comparing the fund return (or fund return) with the reference return (or expected return) in connection with a storage medium to determine whether excess return occurs; and when the excess return occurs, the reference return (or expected return) in an amount checking means. , The base profit), subtracted from the fund's rate of return (or fund's return). Is an excess return), calculating a reinvestment amount corresponding to the excess return (or excess return), and repurchase the identified reinvestment amount based on customer approval information stored in the storage medium in the reinvestment processing means. And cashing the cash, and processing the cashed reinvestment amount to be reinvested in at least one or more other financial products.

On the other hand, the fund management method according to the present invention, when the customer joins the fund, the fund in response to the negative information and the negative return information for confirming the fund information and the negative return for the fund in the information storage means for the fund Storing the client's approval information for reinvesting the principal and the proceeds in at least one or more other financial products in a storage medium, and if the rate of return for the fund to which the customer subscribes is calculated during the operation of the fund, confirming the profit; Determining, by means of the means, that the fund yield compares the negative rate of return with the storage medium to generate a negative return; and when the negative rate is generated, the amount of the reinvestment amount of the investment principal and proceeds of the fund is calculated by the amount checking means. Storing in the storage medium in the reinvestment processing means. Hwago cash redemption by the amount reinvested the check is based on the best - customers of information, including the step of re-invested amount of the cash processing to re-invested in one or more other financial instruments characterized in that formed.

On the other hand, it includes a recording medium recording a program for executing the above-described fund management method.

On the other hand, the fund management system according to the present invention, when the customer joins the fund, the base information (or expected rate of return, the base profit) information for checking the fund information and the excess return for the fund and the excess return for the customer and the excess return A storage medium that stores and stores customer preauthorization information for reinvesting in at least one or more other financial instruments, and the return rate of the fund in conjunction with the storage medium is calculated when a rate of return for a fund to which the customer subscribes is calculated during the fund operation. (Or fund return) and the reference rate of return (or expected return) to determine if there are excess returns, and if excess returns occur, the return of the fund (or estimated return, the base rate of return) Subtract your fund's earnings) to identify excess returns (or excess returns), Is an amount of money checking means for calculating a reinvestment amount corresponding to excess profit), and repurchases the confirmed reinvestment amount on the basis of customer approval information stored in the storage medium, and converts the cashed reinvestment amount to at least one or more. And a reinvestment processing means for processing to be reinvested in another financial product.

On the other hand, the fund management system according to the present invention, when the customer joins the fund, the fund investment principal and proceeds in response to the fund information and the negative return information for confirming the negative return for the fund and the negative return A storage medium that stores and stores customer preauthorization information for reinvesting in at least one or more other financial products, and returns to a fund that the customer subscribes to during the operation of the fund, the fund in connection with the storage medium Revenue checking means for checking whether a negative rate of profit is generated by comparing the negative rate of return, Amount checking means for calculating the amount of reinvestment of the investment principal and the profit of the fund, when negative profit is generated, and customer pre-approval stored in the storage medium Repurchase the identified reinvestment amount based on the information. Hwago realized, is characterized in that the re-invested amount of the cash made to the provided processing means for processing to be reinvested reinvested in one or more other financial instruments.

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 will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating a face-to-face fund subscription system that provides a reinvestment function based on excess return (or negative return) according to one embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer prepares a fund subscription form including at least one predetermined customer information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information. (Or a financial institution), if submitted to the window provided, the fund subscription institution (or financial institution) reinvestment function according to the excess return (or negative return) based on the fund subscription application information corresponding to the fund subscription application The present invention relates to a system for subscribing to a fund providing a service and opening a predetermined fund management account for managing the fund, and a person having ordinary knowledge in the art to which the present invention pertains refers to FIG. Or a fund subscription system that provides a reinvestment function based on excess returns (or negative returns). Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to omit a fund subscription system configuration which omits the method of storing the fund subscription electronic document in the electronic document repository. In addition, in the case where the fund subscription electronic document is stored in the electronic document repository, the electronic document repository is provided in a DBMS in which the electronic document repository is located in the fund subscription system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, in the method for generating the fund subscription electronic document as shown in FIG. 1, the fund subscription electronic document corresponding to the fund subscription application is illustrated as being generated on the server side on the fund subscription system. However, the present invention is not limited thereto, and the fund subscription electronic document may be generated at a terminal that acquires image content corresponding to the fund subscription application through a predetermined image acquisition device (eg, at the server side). The electronic document generating function is provided on the terminal side to generate the fund subscription electronic document), and the present invention is not limited thereto.

Hereinafter, the customer joins the fund in response to the fund subscription application and the fund subscription information prepared by the customer through a predetermined fund subscription interface in the fund subscription system shown in FIG. 1, and corresponds to a predetermined fund corresponding thereto. A component corresponding to at least one or more means and / or functional configurations for generating a subscription electronic document and storing it in a predetermined electronic document repository is referred to as "fund subscription server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a fund subscription system that provides a reinvestment function according to the excess return (or negative return) may include a teller terminal provided in at least one financial institution branch (or branch). A terminal device 195 is included. The terminal device 195 is connected to a fund subscription server 100 provided on the fund subscription system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for reinvestment of the fund excess return, and through the window (or counter staff) provided at the financial institution branch branch (branch branch). Through an application for a predetermined fund subscription (eg, at least one information item providing a reinvestment function based on the excess return (or negative return)). In this case, it is preferable that the client seals the seal of the transaction for the legal basis for the application for the fund.

Subsequently, when the customer submits the completed fund subscription application to the teller, the teller scans the fund joining application through a predetermined image acquisition device to obtain predetermined image content, and through the predetermined teller terminal, Enter the image contents obtained in response to the fund subscription application, the fund subscription application information including at least one of customer information, investment target information, fund investment information, fund return confirmation information, and reinvestment processing information written in the fund subscription application. Correspondingly, the counter terminal preferably transmits the image content and the fund subscription request information to the fund subscription server 100 provided on the fund subscription 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, and the fund subscription server 100 connected to the window terminal is located on the predetermined financial system 185. It is preferable to include a server (eg, ledger server, etc.) provided in the, the financial network connecting the teller terminal and the fund subscription server 100 is a communication channel between the teller terminal and the fund subscription server 100 It is preferable that the connection network comprises a connection network.

In the fund subscription system as described above, an image acquisition device for acquiring image contents corresponding to a fund subscription application prepared by the customer, a window terminal used by the employee and the window terminal and the fund subscription server 100 are connected. The financial network acts as a fund subscription interface for the customer to register the fund subscription application information for reinvestment of the fund excess return.

The storage medium 180 provided on the fund subscription system according to the present invention includes the customer information, the target fund information, the fund investment information, and the fund profit included in the fund subscription application information provided from the terminal device 195. And storing fund management information including at least one piece of identification information and fund management account information corresponding to the investment target fund.

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 or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 185 associated with the fund subscription system in response to the customer. It is preferable to comprise.

Preferably, the investment target fund information includes at least one fund product information, a contract period information, and an expected yield information to which the customer subscribes.

Preferably, the fund investment information includes investment amount information that the customer invests in the fund to be invested, and when the funds are transferred to the account, customer account information (eg, account number, Financial company, account holder, etc.).

Preferably, the fund revenue confirmation information includes at least one or more condition information for checking whether excess revenue for the fund occurs, or condition information for confirming whether a negative profit is generated, and based on the fund profit confirmation information. As a result, it is preferable to process the excess return on the fund to be repurchased and cashed to reinvest in another financial instrument, or to reinvest and cash back the investment principal and proceeds according to the generation of the negative return.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the reference proceeds, it is desirable to process the funds to be reinvested in another financial instrument by repurchasing and cashing out the excess proceeds after subtracting the reference proceeds.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes information on expected return information announced at the time when the customer joins the fund. Preferably, the fund returns greater than the expected rate of return, repurchases and cashes the profit corresponding to the excess rate of return after subtracting the expected rate of return from the fund rate.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss amount, it is preferable to repurchase and cash out the investment principal and proceeds to reinvest in another financial instrument.

The reinvestment processing information may include customer approval (eg, confidentiality, authentication, integrity) for reinvesting an amount corresponding to the excess return in another financial instrument if the excess return occurs in the fund's return. (Integrity) and non-repudiation (Nonrepudiation) is preferably included, and if the customer designates at least one or more other financial products, at least one financial product to be reinvested by the customer Preferably, the method further includes information, and when the customer does not specify another financial product, the customer further includes at least one reinvestment condition information (eg, expected return rate) for automatically selecting at least one or more other financial products. It is preferable.

Alternatively, the reinvestment processing information may include information for pre-acquiring a customer approval (eg, confidentiality, authentication, integrity and non-repudiation) for reinvesting the investment principal and proceeds in another financial product when a negative return occurs. Preferably, when the customer designates at least one or more other financial products, it is preferable that the customer further comprises at least one or more reinvestment financial product information designated by the customer, the customer does not specify other financial products In this case, it is preferable to further include at least one or more reinvestment condition information (eg, expected yield) for automatically selecting at least one or more other financial products.

Preferably, the fund management account information includes beneficiary certificate information corresponding to the investment target fund information and beneficiary certificate account information opened to deposit the beneficiary certificate.

Those skilled in the art will be familiar with the technical characteristics of the beneficiary certificates corresponding to the fund information, and the technical characteristics of the beneficiary certificates account for depositing the beneficiary certificates. Detailed description thereof will be omitted for convenience.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system 185 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 180 may be a ledger D / B 190 provided in a DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the bank subscription system, and / or a telebanking system, and / or a wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The fund subscription server 100 provided on the fund subscription system according to the present invention is a generic term for the components of the fund subscription system connected to the terminal 195 through a predetermined financial network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the fund subscription server 100 is connected to the window terminal through a predetermined financial network 185 Or a server (or device) provided in the external system on the financial system 185, and / or a program provided in the external system on the financial system 185. The present invention is not limited thereby.

According to an embodiment of the present invention, the fund subscription server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network. .

According to an embodiment of the present invention, when the terminal device 195 is a window terminal that is connected to a predetermined financial network, the interface unit 105 determines the window terminal and the predetermined terminal 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. 1, the fund subscription server 100 exceeds the fund when a predetermined terminal device 195 connects a predetermined communication channel with the fund subscription server 100 through the interface unit 105. Acquire image content corresponding to the fund subscription application prepared by the customer through a predetermined image acquisition device provided in the terminal device 195 for reinvestment of profits, and apply for fund subscription application information corresponding to the fund subscription application. Generate (or extract) at least one user interface for inputting (or selecting) and transmitting to the fund subscription server 100, and generating the generated (or extracted) user interface in association with the interface unit 105. The interface providing unit 110 provided to the terminal device 195, and the terminal device 195 to respond to the fund subscription application through the user interface Inputs (or selects) fund subscription request information and transmits the information to the terminal unit 195 to receive the fund subscription request information transmitted from the terminal device 195 in association with the interface unit 105; When the device 195 acquires and transmits image content corresponding to the fund subscription application written by the customer through a predetermined image acquisition device based on the user interface, the device 195 joins the fund in association with the interface unit 105. Characterized in that the image receiving unit 120 for receiving the image content corresponding to the application.

The interface provider 110 connects a predetermined communication channel with the fund subscription server 100 through the interface unit 105 through the interface unit 105 and then exceeds the fund subscription server 100. When requesting a user interface that provides a reinvestment function according to profit (or negative profit), an image content corresponding to a fund subscription application prepared by the customer is obtained through a predetermined image acquisition device included in the terminal device 195. Create (or select) at least one user interface for inputting (or selecting) fund subscription application information corresponding to the fund subscription application to be transmitted to the fund subscription server 100 through the financial network, and / or to a predetermined database. (Not shown) extracts the generated (or extracted) user interface in cooperation with the interface unit 105 It is characterized in that provided through the terminal device (195).

According to another exemplary embodiment of the present invention, the terminal apparatus 195 acquires image contents corresponding to the fund subscription application written by the customer through a predetermined image acquisition device, and receives the fund subscription application information corresponding to the fund subscription application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the fund subscription server 100 through the financial network is provided, the predetermined image acquisition apparatus is provided as described above. Generating a user interface for acquiring image contents corresponding to the fund subscription application prepared by the customer, inputting (or selecting) fund subscription application information corresponding to the fund subscription application, and transmitting the same to the fund subscription server 100; Alternatively, the interface providing unit 110 that is provided to the terminal device 195 is omitted. FIG mubang, and to which the present invention is not limited.

Thereafter, the terminal device 195 inputs (or selects) fund subscription application information including at least one of the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the user interface. And transmits the input (or selected) fund subscription application information to the fund subscription server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105. And receiving the fund subscription request information transmitted from the terminal device 195.

In addition, the terminal device 195 obtains the image content corresponding to the fund subscription 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 120 receives the image content corresponding to the fund subscription application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image content corresponding to the fund subscription application written by the customer through a predetermined image acquisition device, and is provided to the terminal device 195 (or When the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 may store image content corresponding to a 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 and transmit to the fund subscription server 100 through the financial network, in response to the image receiving unit 120 receives the image content corresponding to the fund subscription application in connection with the interface unit 105. desirable.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 transmits the image content corresponding to the fund subscription application written by the customer and the fund subscription application information corresponding to the fund subscription application through the user interface. In this case, the information receiver 115 may receive image content corresponding to the fund subscription application and fund subscription application information together with the interface unit 105 (eg, the image receiver 120 may receive the information). Integrated into the receiver 115), whereby the present invention is not limited.

Referring to FIG. 1, when the fund subscription request information transmitted from the terminal device 195 is received through the information receiver 115, the fund subscription server 100 receives the fund subscription request information. It is characterized in that it comprises a validity check unit 125 for checking whether the validity to provide a re-investment function according to the excess return (or negative return).

According to an embodiment of the present invention, the validity confirmation of the fund subscription information is at least one or more matching the fund subscription application information to the ledger D / B 190 on the financial system 185 associated with the fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information includes a customer stored in the ledger D / B 190 on the financial system 185 linked to the fund subscription system among the information included in the fund subscription request information. It is preferable to include checking whether the match with the ledger.

Referring to FIG. 1, the fund subscription server 100 receives the image content transmitted from the terminal device 195 through the image receiver 120, and subscribes to the fund through the validity checker 125. When the validity of the application information is authenticated, the electronic document generation unit 130 for generating a predetermined fund subscription electronic document including the received image content, and the generated fund subscription electronic document is associated with the fund subscription system. It is characterized by comprising an electronic document transmission unit 135 to transmit to the former consultation office.

The electronic document generation unit 130 may generate a fund subscription electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to one embodiment of the present invention, the electronic document generation unit 130 is the excess revenue (or the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is It is desirable to process the funded electronic documents that provide the reinvestment function according to the negative return.

Alternatively, the electronic document generation unit 130 is included in the fund subscription request information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. The excess revenue (or negative profit) includes an image file corresponding to an image content including at least one of information, a target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information by watermarking. It is desirable to create a fund subscription electronic document that provides a reinvestment function.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 Generating a (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. It is desirable to generate a fund subscription electronic document that provides a reinvestment function according to negative returns.

Alternatively, the electronic document generation unit 130 is included in the fund subscription request information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one of information, an investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information by a watermarking method, and the predetermined content including the generated image content By generating 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 desirable to generate a fund subscription electronic document that provides a reinvestment function according to the excess return (or negative return).

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may receive the image contents and the information receiving unit 115 received from the terminal device 195 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 word processor file including at least one HWP / DOC, etc.) containing the received fund subscription information, or MHT By generating a web document file, etc.), it is preferable to generate a fund subscription electronic document providing a reinvestment function according to the excess return (or negative return).

Alternatively, the electronic document generation unit 130 is included in the fund subscription request information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. Generating image content including at least one of information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information by a watermarking method, and applying for the generated image content and the fund subscription 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) to generate a fund subscription electronic document that provides a reinvestment function based on the excess return (or negative return). It is preferable to.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generation unit 130 generates a fund subscription electronic document in the image file format and / or a predetermined document file format, and the fund subscription 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 135 transmits and stores the fund subscription electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the fund subscription system.

As shown in FIG. 1, a predetermined electronic document server 155 and an electronic document D / B 175 in which the electronic document storage is linked with a fund subscription server 100 on the fund subscription system through a predetermined communication means. When included in the outside, the electronic document transmission unit 135 transmits the fund subscription electronic document generated by the electronic document generation unit 130 to the electronic document server 155 through the communication means. Characterized in that.

Herein, when the electronic document server 155 and the electronic document D / B 175 are provided outside the fund subscription system, the electronic document server 155 and the electronic document D / B 175 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the fund subscription system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the fund subscription electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the fund subscription system, thereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document related information for generating predetermined electronic document management information in the electronic document server 155 (for example, a subscription corresponding to the image content) Customer information that filled out the application form, and / or financial institution information transmitting the fund subscription electronic document, and / or electronic document file format information, and / or the fund subscription information, etc.), to the electronic document repository. The present invention is not limited thereto.

Referring to FIG. 1, the fund subscription server 100 may refund the fund subscription application information received through the information receiver 115 according to the excess return (or negative return) through the validity checker 125. If the validity is provided, the predetermined information corresponding to the fund is based on the customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the validated fund subscription application information. An information generation unit 140 for generating beneficiary certificate information, and the beneficiary certificate based on the customer information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information included in the fund subscription application information; And an account opening processing unit 145 for opening and processing a fund management account in the name of the customer including information. Shall be.

When the validity of the fund subscription information is confirmed by the validity confirming unit 125, the information generation unit 140 includes the customer information, the investment target fund information, the fund investment information, and the fund included in the fund subscription application information. And generating predetermined beneficiary certificate information corresponding to the fund based on the profit confirmation information and the reinvestment processing information.

The account opening processing unit 145 generates a customer ledger including the customer information included in the fund subscription application information in connection with the financial system 185 (or checks the customer ledger that is matched with the customer information. ), After generating predetermined account ledger information including the beneficiary certificate information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the excess revenue ( Or a predetermined fund management account for providing a reinvestment function according to a negative return).

When the fund subscription server 100 and the financial system 185 are present in the same system according to an embodiment of the present invention, the account opening processing unit 145 is linked with the financial system 185 to ledger D / It is preferable to create a predetermined account ledger including the beneficiary certificate information in B (190).

According to another exemplary embodiment of the present invention, when the fund subscription server 100 and the financial system 185 exist on another system connected through a predetermined communication means, the account opening processing unit 145 performs a predetermined communication. It is preferable to request, via means of external means on the financial system 185, to make a ledger D / B 190 on the other financial system 185 to generate a predetermined ledger containing the beneficiary information.

Referring to FIG. 1, the fund subscription server 100 may refund the fund subscription application information received through the information receiver 115 according to the excess return (or negative return) through the validity checker 125. If the validity is provided, the customer information, the fund information and the fund investment information and the fund investment confirmation information and the fund management account information corresponding to the investment target funds included in the fund subscription application information is validated And an information storage unit 150 configured to store at least one fund management information in a predetermined storage medium 180.

When the validity of the fund subscription request information is confirmed by the validity confirming unit 125, the information storage unit 150 includes the customer information, the investment target fund information, the fund investment information, included in the fund subscription application information, and the like. And storing the fund management information in the storage medium 180 including at least one fund confirmation information.

In addition, when the beneficiary certificate information generated by the information generator 140 is generated, the information storage unit 150 deposits the generated beneficiary certificate information and the beneficiary certificate in the fund management information. It is preferable to further include fund management account information including at least one account information in the storage medium 180.

Referring to FIG. 1, an electronic document server receiving a predetermined fund subscription electronic document from the fund subscription server 100 provided on the fund subscription system and storing and managing the electronic document D / B 175 in a predetermined electronic document D / B (175) 155, the electronic document receiving unit 160 for receiving a predetermined funds subscription electronic document from the fund subscription server 100 through a predetermined communication means, and the electronic document D / B ( An information generation unit 165 for generating predetermined electronic document management information for storage and management in the 175; and a predetermined electronic document D / B 175 by linking the electronic document management information and the fund subscription electronic document. Characterized in that the electronic document storage unit 170 to be stored in the.

The electronic document receiver 160 may receive the fund subscription electronic document in the form of an image file and / or a document file from the fund subscription server 100 through the communication means.

According to an embodiment of the present invention, the fund subscription electronic document received by the electronic document receiving unit 160 through the communication means includes the image content received by the fund subscription server 100 from the terminal device 195. It is preferable that the image file is included as it is.

Alternatively, the fund subscription electronic document received by the electronic document receiving unit 160 through the communication means is included in the fund subscription request information in the image content received by the fund subscription server 100 from the terminal device 195. 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 target fund information, the fund investment information, the fund return confirmation information and the reinvestment processing information. .

According to another embodiment of the present invention, the fund subscription electronic document received by the electronic document receiving unit 160 through the communication means is the image content received by the fund subscription server 100 from the terminal device 195 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) It is preferable to comprise).

Alternatively, the fund subscription electronic document received by the electronic document receiver 160 through the communication means may be included in the fund subscription request information on the image content received by the fund subscription server 100 from the terminal device 195. Predetermined document files (e.g., PDFs) including image contents including at least one of customer information, target fund information, fund investment information, fund profit confirmation information, and reinvestment processing 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.

According to another embodiment of the present invention, the fund subscription electronic document received by the electronic document receiving unit 160 through the communication means is the image content received by the fund subscription server 100 from the terminal device 195 And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one predetermined document file including the fund subscription application information, or an MHT. It is preferable that the web document file including a).

Alternatively, the fund subscription electronic document received by the electronic document receiver 160 through the communication means is included in the fund subscription request information on the image content received by the fund subscription server 100 from the terminal device 195. A predetermined document including image content and fund application information including watermarking method of at least one of customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information; A 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.

The information generation unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the fund subscription electronic document received through the electronic document receiving unit 160, and the fund through the electronic document receiving unit 160 And generating electronic document management information including electronic document storage date and time information including a date and time at which a subscription electronic document was received (or a date and time at which the fund subscription electronic document was stored).

According to the exemplary embodiment of the present invention, the information generation unit 165 refers to the fund subscription electronic document which has transmitted the fund subscription electronic document received through the electronic document receiving unit 160. 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 the electronic document receiving unit 160 further receives a predetermined electronic document-related information from the fund subscription server 100, the information generating unit 165 receives the received information. Electronic document-related information (e.g., customer information that created a fund subscription application corresponding to the image content, and / or financial institution information that transmits the fund subscription electronic document, and / or electronic document file format information, and / or the fund It is preferable to generate electronic document management information further including subscription application information.

The electronic document storage unit 170 processes an electronic document management information generated through the fund subscription electronic document received through the electronic document receiving unit 160 and the information generating unit 165 in a predetermined electronic document D / It stores in the B (175).

According to the exemplary embodiment of the present invention, the fund subscription electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the fund subscription server 100 from the terminal device 195. It is preferable that the image file including the received image content is included as it is.

Alternatively, the fund subscription electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may include the image content received by the fund subscription server 100 from the terminal device 195. Image file corresponding to image contents including watermarking method including at least one of customer information included in the fund subscription information, investment target information, fund investment information, fund profit confirmation information, and reinvestment processing information. It is preferable to comprise a.

According to another exemplary embodiment of the present invention, the fund subscription server 100 stores the electronic document storage unit 170 in the electronic document D / B 175 by the fund subscription server 100 in the terminal device 195. 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 image content received from the Web document files, etc.) to be included.

Alternatively, the fund subscription electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may include the fund in the image content received by the fund subscription server 100 from the terminal device 195. Predetermined document file including image information including at least one of customer information included in the subscription application information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information in a watermarking manner. (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). desirable.

According to another exemplary embodiment of the present invention, the fund subscription server 100 stores the electronic document storage unit 170 in the electronic document D / B 175 by the fund subscription server 100 in the terminal device 195. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content received from the fund and the subscription information. Word processor files, or web document files containing MHT).

Alternatively, the fund subscription electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may include the fund in the image content received by the fund subscription server 100 from the terminal device 195. Image contents including at least one of customer information included in the subscription information, investment target information, fund investment information, fund return confirmation information, and reinvestment processing information by watermarking and the fund subscription application 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) It is preferable to comprise).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the fund subscription electronic document is stored in the fund subscription 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 175 by processing the electronic document storage unit 170 in association with the fund subscription electronic document is the fund subscription electronic document. The fund subscription server 100 may further include information about a financial institution that has transmitted the fund subscription electronic document, which has been identified with reference to the fund subscription server 100.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the fund subscription server 100, the electronic document storage unit 170 processes the electronic document by linking with the fund subscription electronic document. The electronic document management information stored in the document D / B 175 may transmit the received electronic document related information (for example, customer information in which a fund subscription application corresponding to the image content is generated, and / or the fund subscription electronic document). Financial institution information, and / or electronic document file format information, and / or the fund subscription application information).

2 is a diagram illustrating an implementation method in which a storage medium 180 for storing fund operation information corresponding to a fund subscribed in a face-to-face manner is provided in a DBMS on a financial system 185 according to an embodiment of the present invention.

In more detail, in FIG. 2, the storage medium 180 shown in FIG. In this case, the information structure for an embodiment of the method in which the fund management information is stored in the ledger information provided in the ledger D / B 190, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various information construction methods for storing the fund management information in the ledger D / B 190 may be inferred by referring to and / or modifying the drawing 2, the present invention includes all the inferred implementation methods, It is not limited only to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 190 provided in the DBMS on the financial system 185 is associated with a predetermined ledger and the ledger. It is shown that the account ledger corresponding to the funds subscribed through the fund subscription system shown in Figure 1 and at least one or more information associated with the account ledger, those of ordinary skill in the art If, the ledger D / B 190 provided in the DBMS on the financial system 185 has at least one ledger (for example, the ledger, loan ledger, mortgage ledger, in addition to the customer ledger and account ledger shown in Figure 2). ... Etc.) and / or at least one additional information for maintaining and managing the ledgers will also be clearly understood, and specific technical details will be read. Since it is, 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, 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, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic receipt information including at least one (day), extension, maturity date, and 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.

Referring to FIG. 2, wherein the storage medium 180 is the ledger D / B 190, or includes an implementation method provided in the ledger D / B 190. Additional information linked to the account ledger includes fund management information including at least one investment target fund information, fund investment information, and fund return confirmation information included in the fund subscription application information provided through the fund subscription system shown in FIG. Characterized in that the ledger is stored.

Herein, the fund return confirmation information may include at least one or more condition information for confirming whether an excess return occurs for the fund, or at least one condition information for confirming whether a negative return occurs, and the fund return confirmation information It is desirable to process excess funds for the fund to be repurchased and cashed in to reinvest in other financial instruments, or to reinvest and cash back the investment principal and proceeds in accordance with the negative returns. Do.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the base proceedings, it is preferable to repurchase and cash out the excess proceeds after subtracting the base proceeds from the fund proceeds to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes expected return information announced at the time when the customer joins the fund. Preferably, if the fund's return is greater than the expected return, it is preferable to process the reinvestment and cash reinvestment in other financial instruments by repurposing and cashing the profit corresponding to the excess return after subtracting the expected return from the fund.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss, it is preferable to repurchase and cash out the investment capital and proceeds to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund subscription application 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, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

3 is a ledger D / B 190 having a storage medium 180 for storing fund operation information corresponding to a fund subscribed in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system 185. FIG. Is a diagram illustrating an implementation method including a database associated with a.

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 180 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 190 included in the DBMS on the financial system 185. As shown in FIG. 3, if the person skilled in the art of the present invention belongs to the present invention, the fund management information is stored in a predetermined database by referring to and / or modifying the drawing 3. It is possible to infer various information configuration methods for storing in association with the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the fund operation information in the ledger information of the ledger D / B 190 on the DBMS provided on the financial system 185 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 190 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 185), the fund is operated in a predetermined database instead of the ledger D / B 190. It shows an implementation method of storing the information, the database and the ledger D / B (190) in a cooperative process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 185 as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of the skilled person, And / or 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.

Referring to FIG. 3, the storage medium 180 includes a database associated with the ledger D / B 190 provided in the DBMS on the financial system 185 according to another embodiment of the present invention. And fund management information including at least one of the investment target fund information, the fund investment information, and the fund return information included in the fund subscription application information, wherein the fund management information is the ledger D / B ( It is preferable that the fund management information further includes a CIF number corresponding to the ledger information in order to be processed in association with 190).

Herein, the fund return confirmation information may include at least one or more condition information for confirming whether an excess return occurs for the fund, or at least one condition information for confirming whether a negative return occurs, and the fund return confirmation information It is desirable to process excess funds for the fund to be repurchased and cashed in to reinvest in other financial instruments, or to reinvest and cash back the investment principal and proceeds in accordance with the negative returns. Do.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the reference proceeds, it is desirable to process the funds to be reinvested in another financial instrument by repurchasing and cashing out the excess proceeds after subtracting the reference proceeds.

According to another exemplary embodiment of the present invention, fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes expected return information announced at the time when the customer joins the fund. Preferably, if the fund's return is greater than the expected return, it is preferable to process the reinvestment and cash reinvestment in other financial instruments by repurposing and cashing the profit corresponding to the excess return after subtracting the expected return from the fund.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss amount, it is preferable to repurchase and cash out the investment principal and proceeds to reinvest in another financial instrument.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server in a storage medium 180 for storing fund operation information corresponding to a fund subscribed in a face-to-face manner according to another embodiment of the present invention. .

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 180 shown in FIG. 1 is provided on an internet banking system, a tele banking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on fund operation information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 180 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is applied to the fund subscription request information. And storing the fund management information including at least one of the included investment target fund information, fund investment information, and fund return confirmation information.

Herein, the fund return confirmation information may include at least one or more condition information for confirming whether an excess return occurs for the fund, or at least one condition information for confirming whether a negative return occurs, and the fund return confirmation information It is desirable to process excess funds for the fund to be repurchased and cashed in to reinvest in other financial instruments, or to reinvest and cash back the investment principal and proceeds in accordance with the negative returns. Do.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the reference proceeds, it is desirable to process the funds to be reinvested in another financial instrument by repurchasing and cashing out the excess proceeds after subtracting the reference proceeds.

According to another exemplary embodiment of the present invention, fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes expected return information announced at the time when the customer joins the fund. Preferably, if the fund's return is greater than the expected return, it is preferable to process the reinvestment and cash reinvestment in other financial instruments by repurposing and cashing the profit corresponding to the excess return after subtracting the expected return from the fund.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss amount, it is preferable to repurchase and cash out the investment principal and proceeds to reinvest in another financial instrument.

5A and 5B are diagrams illustrating a fund subscription process for providing a reinvestment function based on excess return (or negative return) in a face-to-face manner according to one embodiment of the present invention.

5A and 5B show a terminal terminal 195 on the fund subscription system shown in FIG. 1 provided at a financial institution branch (or a branch), and the fund subscription server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer joins a fund that provides a reinvestment function according to excess return (or negative return). In order to complete and submit a fund application form including at least one of customer information, target fund information, fund investment information, fund return confirmation information, and reinvestment processing information, the financial institution may face-to-face based on the application for fund subscription. In this regard, the system is configured to process a subscription to a fund. When it is shipped, the window terminal acquires a predetermined image content corresponding to the fund subscription application through a predetermined image acquisition device, transmits the predetermined image content to the fund subscription server 100, and then applies for a fund subscription application corresponding to the fund subscription application. When the information is input (or selected) and transmitted to the fund subscription server 100, the fund subscription server 100 stores at least the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. It illustrates an implementation method for processing the subscription to the fund based on the fund subscription application information including one or more.

Those skilled in the art to which the present invention pertains, various implementations to register the fund subscription application information to the fund subscription server 100 at the window terminal by referring to and / or modified in the drawings 5a and 5b. 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 FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the fund subscription application and storing it in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 5A and 5B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the fund subscription application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) fund subscription application information corresponding to the fund subscription application is illustrated as being provided from the fund subscription server 100, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the 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 fund subscription server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, a fund application form includes at least one client information, at least one fund information, fund investment information, fund return confirmation information, and reinvestment processing information, for a predetermined customer to reinvest in excess fund returns. When the form is submitted and submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that the excess terminal (or negative profit) corresponding to the fund subscription application form is connected. When the user interface for providing a reinvestment function is requested (500), the server acquires predetermined image contents corresponding to the fund subscription application written by the customer through the predetermined image acquisition device in the terminal, and correspondingly, the server Generate (or extract) a user interface for transmission to the network (505), and And outputs to transmit the group generated (or extracted) user interface to the mobile station 510. The

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

If image content corresponding to the 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 fund subscription application information including at least one of customer information, an investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information corresponding to a fund subscription application matching the image content ( Or (i) select and generate (or extract) a user interface for transmission to the server (530), and transmit and output the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the user interface ( 540).

If fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information is input (or selected) through the user interface (545), the terminal 550 transmits the input (or selected) fund subscription application information to the server through the financial network (550).

Subsequently, the server receives and reads through the financial network the fund subscription request information including at least one of the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. The validity of the information is checked (555).

According to an embodiment of the present invention, the validity confirmation of the fund subscription information is at least one or more matching the fund subscription application information to the ledger D / B 190 on the financial system 185 associated with the fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information includes a customer stored in the ledger D / B 190 on the financial system 185 linked to the fund subscription system among the information included in the fund subscription request information. It is preferable to include checking whether the match with the ledger.

If the validity of the fund subscription information is not authenticated (560), the server generates predetermined fund subscription error information and transmits it to the terminal (565), and the fund subscription procedure corresponding to the fund subscription application information is performed. Do not perform.

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

According to an exemplary embodiment of the present invention, the server re-invests the image file including the image content received from the terminal device 195 through the image receiving unit 120 in accordance with the excess profit (or negative profit). It is preferable to process the funded electronic document that provides the function.

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And reinvest the image file corresponding to the image contents including at least one of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking in accordance with the excess return (or negative return). It is desirable to create a funding electronic document to provide.

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 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby reinvesting according to the excess profit (or negative profit). It is desirable to create a funding electronic document that provides the functionality.

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generating image content including at least one or more information of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking, and a predetermined document file (eg, PDF) including the generated image content. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT, etc. Or a funding electronic document providing a reinvestment function according to a negative return).

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the fund subscription request information received through the information receiving unit 115. 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) It is desirable to generate a fund subscription electronic document that provides a reinvestment function according to the excess return (or negative return).

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generate image content including at least one or more information of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking, and include the generated image content and the fund subscription application information. By generating 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) Generating a funding electronic document that provides a reinvestment function based on the excess return (or negative return). Preferable.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a fund subscription electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the fund subscription 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 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 155 and an electronic document D / B 175 associated with a server on the fund subscription system through predetermined communication means. When provided, the server preferably transmits the generated fund subscription electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund subscription system, the server may convert the generated fund subscription electronic document to an electronic document storage on a DBMS provided in the fund subscription system. It is possible to store in the D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the fund subscription electronic document in the electronic document storage, the electronic document D shown in Figure 1 by processing the generated fund subscription electronic document and predetermined electronic document management information Preferably stored in / B 175.

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

The electronic document management information may further include information about a financial institution that transmitted the fund subscription electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, customer information for creating a fund subscription application corresponding to the image content, and / or financial institution information for transmitting the fund subscription electronic document, and / or electronic Document file format information, and / or the fund subscription information).

If the fund subscription electronic document is stored in the electronic document repository (580), the server stores the customer information included in the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. In operation 585, predetermined beneficiary certificate information corresponding to the fund is generated.

Thereafter, the server is connected to the financial system 185 based on the customer information included in the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information and reinvestment processing information based on the beneficiary certificate information. Opens a fund management account of the customer name, including (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the fund subscription application information in connection with the financial system 185 (or a customer ledger provided by matching with the customer information. And generating predetermined account ledger information including the beneficiary certificate information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized by opening a predetermined fund management account that provides a reinvestment function according to the excess return (or negative return).

If the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server sends the beneficiary certificate information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the beneficiary information through the external system.

Thereafter, the server operates a fund including at least one of the customer information included in the fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and fund management account information corresponding to the investment target fund. Information is stored in a predetermined storage medium 180 (595).

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server may be connected to the customer information included in the received fund subscription request information. Preferably, the storage medium 180 stores fund management information including at least one investment target fund information, fund investment information, fund profit confirmation information, and fund management account information.

According to another embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the investment target included in the received fund subscription application information. Fund information, including fund information, fund investment information, fund profit confirmation information, and fund management account information, is provided on the financial system 185 by providing the information system through an external system on the financial system 185. It is desirable to store in a DBMS.

Thereafter, the server records predetermined fund registration information (eg, details of opening a fund management account corresponding to the fund, and / or details of storing the fund subscription electronic document in the electronic document repository, and / or the storage). The details of storing the fund subscription request information in the medium 180) are generated (or extracted) and transmitted to the terminal (599).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system 185 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 180 may be a ledger D / B 190 provided in a DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190. The present invention is not limited.

According to another method of the present invention, the storage medium 180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, in which the fund is provided (or associated) on an entry system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B are diagrams illustrating a fund subscription process for providing a reinvestment function based on excess return (or negative return) in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device 195 on the fund subscription system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the fund subscription server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer joins a fund that provides a reinvestment function according to excess return (or negative return). In order to complete and submit a fund application form including at least one of customer information, target fund information, fund investment information, fund return confirmation information, and reinvestment processing information, the financial institution may face-to-face based on the application for fund subscription. In this regard, the system is configured to process a subscription to a fund. In response, the window terminal inputs (or selects) fund subscription application information corresponding to the fund subscription application to the fund subscription server 100 and transmits the fund subscription application information to the fund subscription application through a predetermined image acquisition device. Acquiring a predetermined image content and transmitting the predetermined image content to the fund subscription server 100, the fund subscription server 100 at least one of the customer information, investment target fund information, fund investment information, fund return confirmation information and reinvestment processing information It shows a method of performing the subscription processing on the basis of the fund subscription application information included above.

Those skilled in the art to which the present invention pertains, various implementations to register the fund subscription application information to the fund subscription server 100 in the window terminal by referring to and / or modified in this figure 6a and 6b. 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 FIGS. 6A and 6B.

For example, although the implementation method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the fund subscription application and storing it in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the fund subscription application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) fund subscription application information corresponding to the fund subscription application is illustrated as being provided from the fund subscription server 100, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the fund subscription server 100, and thus 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 "terminal" for convenience, and the fund subscription server 100 shown in Figure 1 is referred to as "server" for convenience, and in the window terminal The customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information transmitted to the fund subscription server 100 are referred to as "fund application information" for convenience.

Referring to FIGS. 6A and 6B, a fund application form includes at least one customer information, investment fund information, fund investment information, fund return confirmation information, and reinvestment processing information, for a predetermined customer to reinvest in excess fund returns. When the form is submitted and submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that the excess terminal (or negative profit) corresponding to the fund subscription application form is connected. When requesting a user interface for providing a reinvestment function according to 600, in response, the server responds to the customer information corresponding to the fund subscription application prepared by the customer, the fund information to be invested, the fund investment information, the fund return confirmation information, and the reinvestment process. Input (or select) fund subscription request information including at least one information; Generating a user interface for transmitting (or extract), and 605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the user interface (615). ).

If the user information, investment fund information, fund investment information, fund return confirmation information and reinvestment processing information are input (or selected) through the user interface (620), the terminal is input (or selected). 625 transmits the input (or selected) fund subscription application information to the server through the financial network (625).

Subsequently, the server receives and reads through the financial network the fund subscription request information including at least one of the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. The validity of the information is checked (630).

According to an embodiment of the present invention, the validity confirmation of the fund subscription information is at least one or more matching the fund subscription application information to the ledger D / B 190 on the financial system 185 associated with the fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information includes a customer stored in the ledger D / B 190 on the financial system 185 linked to the fund subscription system among the information included in the fund subscription request information. It is preferable to include checking whether the match with the ledger.

If the validity of the fund subscription request information is not authenticated (635), the server generates predetermined fund subscription error information and transmits it to the terminal (640) and performs a fund subscription procedure corresponding to the fund subscription request information. Do not perform.

On the other hand, if the validity of the fund subscription application information is authenticated (635), the server acquires the predetermined image content corresponding to the fund subscription application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (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 fund subscription application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the 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).

The server receiving the fund subscription request information and the image content from the terminal generates a predetermined fund subscription electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server re-invests the image file including the image content received from the terminal device 195 through the image receiving unit 120 in accordance with the excess profit (or negative profit). It is preferable to process the funded electronic document that provides the function.

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And reinvest the image file corresponding to the image contents including at least one of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking in accordance with the excess return (or negative return). It is desirable to create a funding electronic document to provide.

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 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby reinvesting according to the excess profit (or negative profit). It is desirable to create a funding electronic document that provides the functionality.

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generating image content including at least one or more information of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking, and a predetermined document file (eg, PDF) including the generated image content. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT, etc. Or a funding electronic document providing a reinvestment function according to a negative return).

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the fund subscription request information received through the information receiving unit 115. 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) It is desirable to generate a fund subscription electronic document that provides a reinvestment function according to the excess return (or negative return).

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generate image content including at least one or more information of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking, and include the generated image content and the fund subscription application information. By generating 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) Generating a funding electronic document that provides a reinvestment function based on the excess return (or negative return). Preferable.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a fund subscription electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the fund subscription 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 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 155 and an electronic document D / B 175 associated with a server on the fund subscription system through predetermined communication means. When provided, the server preferably transmits the generated fund subscription electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund subscription system, the server may convert the generated fund subscription electronic document to an electronic document storage on a DBMS provided in the fund subscription system. It is possible to store in the D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the fund subscription electronic document in the electronic document storage, the electronic document D shown in Figure 1 by processing the generated fund subscription electronic document and predetermined electronic document management information Preferably stored in / B 175.

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

The electronic document management information may further include information about a financial institution that transmitted the fund subscription electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, customer information for creating a fund subscription application corresponding to the image content, and / or financial institution information for transmitting the fund subscription electronic document, and / or electronic Document file format information, and / or the fund subscription information).

If the fund subscription electronic document is stored in the electronic document repository (680), the server stores the customer information included in the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. Based on 685, the beneficiary certificate information corresponding to the fund is generated.

Thereafter, the server is connected to the financial system 185 based on the customer information included in the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information and reinvestment processing information based on the beneficiary certificate information. Opens a fund management account in the name of the customer including a process (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the fund subscription application information in connection with the financial system 185 (or a customer ledger provided by matching with the customer information. And generating predetermined account ledger information including the beneficiary certificate information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized by opening a predetermined fund management account that provides a reinvestment function according to the excess return (or negative return).

If the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server sends the beneficiary certificate information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the beneficiary information through the external system.

Thereafter, the server operates a fund including at least one of the customer information included in the fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and fund management account information corresponding to the investment target fund. Information is stored in a predetermined storage medium 180 (695).

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server may be connected to the customer information included in the received fund subscription request information. Preferably, the storage medium 180 stores fund management information including at least one investment target fund information, fund investment information, fund profit confirmation information, and fund management account information.

According to another embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the investment target included in the received fund subscription application information. Fund information, including fund information, fund investment information, fund profit confirmation information, and fund management account information, is provided on the financial system 185 by providing the information system through an external system on the financial system 185. It is desirable to store in a DBMS.

Thereafter, the server records predetermined fund registration information (eg, details of opening a fund management account corresponding to the fund, and / or details of storing the fund subscription electronic document in the electronic document repository, and / or the storage). The details of storing the fund subscription request information in the medium 180) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system 185 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 180 may be a ledger D / B 190 provided in a DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190. The present invention is not limited.

According to another method of the present invention, the storage medium 180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, in which the fund is provided (or associated) on an entry system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of joining a fund that provides a reinvestment function based on excess return (or negative return) 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 in which a terminal device 195 on the fund subscription system shown in FIG. 1 is provided at a branch of a financial institution (or a branch office), and the fund subscription server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer joins a fund that provides a reinvestment function according to excess return (or negative return). In order to complete and submit a fund application form including at least one of customer information, target fund information, fund investment information, fund return confirmation information, and reinvestment processing information, the financial institution may face-to-face based on the application for fund subscription. As a configuration of a system for subscribing to a fund, specifically, the customer fills out the fund application form and submits it to the counter. When the window terminal acquires predetermined image contents corresponding to the fund subscription application through a predetermined image acquisition device, the fund inputs (or selects) fund subscription application information corresponding to the application for entry, and then the When the image content and the fund subscription application information are transmitted to the fund subscription server 100, the fund subscription server 100 transmits the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. An implementation method of processing a subscription to the fund based on the fund subscription application information including at least one or more is shown.

Those skilled in the art to which the present invention pertains, various implementations to register the fund subscription application information to the fund subscription server 100 in the window terminal by referring to and / or modified in this figure 7a and 7b. 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 FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the fund subscription application and storing it in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the fund subscription application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) fund subscription application information corresponding to the fund subscription application is illustrated as being provided from the fund subscription server 100, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the fund subscription server 100, and thus 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 fund subscription server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information transmitted to the fund subscription server 100 are referred to as "fund application information" for convenience.

Referring to FIGS. 7A and 7B, a fund application form includes at least one customer information, target fund information, fund investment information, fund return confirmation information, and reinvestment processing information for a predetermined customer to reinvest in excess fund returns. When the form is submitted and submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that the excess terminal (or negative profit) corresponding to the fund subscription application form is connected. Upon requesting a user interface for providing a reinvestment function according to the method 700, in response, the server inputs (or selects) fund subscription application information corresponding to a fund subscription application written by the customer in the terminal and acquires a predetermined image. Acquire a predetermined image content corresponding to the fund subscription application through the device and transmit it to the server A user interface for generating (or extracting) a user interface is generated (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the user interface (715). ).

If fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information is input (or selected) through the user interface (720), the terminal In operation 725, the image content corresponding to the fund subscription application is acquired through a predetermined image acquisition device based on the user interface.

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

Thereafter, the server receives and reads through the financial network the fund subscription request information including at least one of the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. The validity of the application information is checked (740).

According to an embodiment of the present invention, the validity confirmation of the fund subscription information is at least one or more matching the fund subscription application information to the ledger D / B 190 on the financial system 185 associated with the fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information includes a customer stored in the ledger D / B 190 on the financial system 185 linked to the fund subscription system among the information included in the fund subscription request information. It is preferable to include checking whether the match with the ledger.

If the validity of the fund subscription request information is not authenticated (745), the server generates predetermined fund subscription error information and transmits it to the terminal (750), and the fund registration procedure corresponding to the fund subscription request information is performed. Do not perform.

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

According to an exemplary embodiment of the present invention, the server re-invests the image file including the image content received from the terminal device 195 through the image receiving unit 120 in accordance with the excess profit (or negative profit). It is preferable to process the funded electronic document that provides the function.

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And an image file corresponding to an image content including at least one of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking, according to the excess return (or negative return). It is desirable to generate a fund subscription 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 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby reinvesting according to the excess profit (or negative profit). It is advisable to create a consultant before joining the fund that provides the function.

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generating image content including at least one or more information of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking, and a predetermined document file (eg, PDF) including the generated image content. Generating a (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. It is desirable to generate a fund subscription electronic document that provides a reinvestment function according to negative returns.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the fund subscription request information received through the information receiving unit 115. 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) ), It is desirable to generate a fund subscription electronic document that provides a reinvestment function according to the excess return (or negative return).

Alternatively, the server may include customer information and investment target fund information included in the fund subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generate image content including at least one or more information of fund investment information, fund return confirmation information, and reinvestment processing information by watermarking, and include the generated image content and the fund subscription application information. By generating 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 desirable to generate a fund subscription electronic document that provides a reinvestment function based on the excess return (or negative return). It is right.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a fund subscription electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the fund subscription 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 fund subscription electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the fund subscription system through predetermined communication means. When provided, the server preferably transmits the generated fund subscription electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund subscription system, the server may convert the generated fund subscription electronic document to an electronic document storage on a DBMS provided in the fund subscription system. It is possible to store in the D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the fund subscription electronic document in the electronic document storage, the electronic document D shown in Figure 1 by processing the generated fund subscription electronic document and predetermined electronic document management information Preferably stored in / B 175.

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

The electronic document management information may further include information about a financial institution that transmitted the fund subscription electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, customer information for creating a fund subscription application corresponding to the image content, and / or financial institution information for transmitting the fund subscription electronic document, and / or electronic Document file format information, and / or the fund subscription information).

If the fund subscription electronic document is stored in the electronic document repository (765), the server stores the customer information included in the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. In operation 770, predetermined beneficiary certificate information corresponding to the fund is generated.

Thereafter, the server is connected to the financial system 185 based on the customer information included in the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information and reinvestment processing information based on the beneficiary certificate information. Opens a fund management account in the name of the customer including a process (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the fund subscription application information in connection with the financial system 185 (or a customer ledger provided by matching with the customer information. And generating predetermined account ledger information including the beneficiary certificate information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized by opening a predetermined fund management account that provides a reinvestment function according to the excess return (or negative return).

When the server and the financial system 185 exist in the same system according to an exemplary embodiment of the present invention, the server transmits the beneficiary information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the beneficiary information through the external system.

Thereafter, the server includes at least one of the customer information, the fund fund information, fund investment information, fund return confirmation information and the fund management account information corresponding to the investment target fund included in the fund subscription application information; The operation information is stored in the predetermined storage medium 180 (780).

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server may be connected to the customer information included in the received fund subscription request information. Preferably, the storage medium 180 stores fund management information including at least one investment target fund information, fund investment information, fund profit confirmation information, and fund management account information.

According to another embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the investment target included in the received fund subscription application information. Fund information, including fund information, fund investment information, fund profit confirmation information, and fund management account information, is provided on the financial system 185 by providing the information system through an external system on the financial system 185. It is desirable to store in a DBMS.

Thereafter, the server records predetermined fund registration information (eg, details of opening a fund management account corresponding to the fund, and / or details of storing the fund subscription electronic document in the electronic document repository, and / or the storage). The details of storing the fund subscription request information on the medium 180) are generated (or extracted) and transmitted to the terminal (785).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system 185 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 180 may be a ledger D / B 190 provided in a DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the bank subscription system, and / or a telebanking system, and / or a wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

FIG. 8 is a diagram illustrating a non-face-to-face fund subscription system that provides a reinvestment function based on excess return (or negative return) according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates that a given customer requests to join a fund including at least one of predetermined customer information, investment target information, fund investment information, fund return confirmation information, and reinvestment processing information through a predetermined fund subscription interface. When the information is provided to the fund sign-up institution (or financial institution), the fund sign-up institution (or financial institution) provides a fund that provides a reinvestment function based on the excess return (or negative return) based on the fund sign-up information. The system configuration for subscribing and opening a predetermined fund management account for managing the fund, and a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 8 to exceed the profit Various implementation methods for the fund subscription system that provide the reinvestment function according to the (or negative return) Would be chuhal, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to omit a fund subscription system configuration that omits an implementation method of storing the fund subscription electronic document in the electronic document repository. In addition, in the case where the fund subscription electronic document is stored in the electronic document repository, an implementation method provided in the DBMS in which the electronic document repository is located in the fund subscription system, in addition to the implementation method shown in FIG. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the fund subscription electronic document is described as being generated by the server side on the fund subscription system, but the present invention is not limited thereto. The document may be generated on the terminal side which inputs (or selects) the fund subscription request information and transmits the information (eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the fund subscription electronic document). The present invention is not limited thereto.

Hereinafter, the fund subscription information is received from the customer through a predetermined fund subscription interface on the fund subscription system shown in FIG. 8 so that the customer subscribes to the fund, and a corresponding fund subscription electronic document is provided. Components corresponding to at least one or more means and / or functional configurations that are generated and stored in a predetermined electronic document repository are referred to as " fund subscription server 800 " for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a fund subscription system that provides a reinvestment function according to the excess return (or negative return) includes at least one wired terminal and / or a wireless terminal used by a customer. And a terminal device 890 including at least one client terminal or the like, wherein the terminal device 890 is provided with a fund subscription server 800 provided on the fund subscription system through a predetermined communication network. The communication channel is connected.

According to an embodiment of the present invention, the customer connects to the fund subscription server 800 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, Entering (or selecting) fund subscription application information for providing a reinvestment function according to the excess profit (or negative profit) through at least one user interface provided by the fund subscription server 800, the client terminal may provide a predetermined It is preferable to transmit to the fund subscription server 800 provided on the fund subscription system through a communication network.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 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 890 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 890 connected to an x-based portable Internet and / or all terminal devices 890 connected to an IEEE 802.11x-based wireless LAN, and 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 WLAN.

Also, the fund subscription server 800 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 a communication network. And / or a separate web server for registering the information.

In addition, the communication network connecting the client terminal and the fund subscription server 800 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based portable according to the type of wireless communication network to which the client terminal is connected. Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds 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 fund subscription server 800, and inputs and / or selects at least one or more information through the user interface to the fund subscription server 800. 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 fund subscription server 800, etc.) is 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 fund subscription system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the fund subscription server 800, and And / or the wireless communication network functions as a fund subscription interface for the customer to register for fund subscription application information for reinvestment in the fund's excess return.

According to another exemplary embodiment of the present invention, the terminal device 890 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 fund subscription system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the fund subscription server ( A financial network connecting 800 performs a function of a fund subscription interface for the customer to register fund subscription application information for reinvestment of the excess return of funds, and / or the terminal 890 is connected to the call terminal. (Not shown), the landline network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the fund subscription server 800 may be used by the customer for the excess return of the fund. A function of a fund subscription interface for registering fund subscription application information for reinvestment, and / or provided to an institution affiliated with the financial institution that is the terminal device 890; In the case of words (and / or servers) (not shown), the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) are connected to the fund subscription server 800. The network acts as a fund subscription interface for the customer to register for fund subscription application information for reinvestment of the fund excess return.

The storage medium 875 provided on the fund subscription system according to the present invention includes the customer information included in the fund subscription application information provided from the terminal device 890, the fund information, the fund investment information, and the fund income. And storing fund management information including at least one piece of identification information and fund management account information corresponding to the investment target fund.

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 880 associated with the fund subscription system in response to the customer It is preferable to comprise.

Preferably, the investment target fund information includes at least one fund product information, a contract period information, and an expected yield information to which the customer subscribes.

Preferably, the fund investment information includes investment amount information that the customer invests in the fund to be invested, and when the funds are transferred to the account, customer account information (eg, account number, Financial company, account holder, etc.).

Preferably, the fund revenue confirmation information includes at least one or more condition information for checking whether excess revenue for the fund occurs, or condition information for confirming whether a negative profit is generated, and based on the fund profit confirmation information. As a result, it is preferable to process the excess return on the fund to be repurchased and cashed to reinvest in another financial instrument, or to reinvest and cash back the investment principal and proceeds according to the generation of the negative return.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the reference proceeds, it is desirable to process the funds to be reinvested in another financial instrument by repurchasing and cashing out the excess proceeds after subtracting the reference proceeds.

According to another exemplary embodiment of the present invention, fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes expected return information announced at the time when the customer joins the fund. Preferably, if the fund's return is greater than the expected return, it is preferable to process the reinvestment and cash reinvestment in other financial instruments by repurposing and cashing the profit corresponding to the excess return after subtracting the expected return from the fund.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss amount, it is preferable to repurchase and cash out the investment principal and proceeds to reinvest in another financial instrument.

The reinvestment processing information may include customer approval (eg, confidentiality, authentication, integrity, etc.) for reinvesting an amount corresponding to the excess return in another financial instrument when the excess return occurs in the fund's profit. Integrity and Nonrepudiation) is preferably included, and if the customer designates at least one or more other financial products, at least one financial object information for reinvestment designated by the customer Preferably, the method further comprises at least one reinvestment condition information (eg, expected return rate) for automatically selecting at least one or more other financial products when the customer does not specify another financial product. desirable.

Alternatively, the reinvestment processing information may include information for pre-acquiring a customer approval (eg, confidentiality, authentication, integrity and non-repudiation) for reinvesting the investment principal and proceeds in another financial product when a negative return occurs. Preferably, when the customer designates at least one or more other financial products, it is preferable that the customer further comprises at least one or more reinvestment financial product information designated by the customer, the customer does not specify other financial products In this case, it is preferable to further include at least one or more reinvestment condition information (eg, expected yield) for automatically selecting at least one or more other financial products.

Preferably, the fund management account information includes beneficiary certificate information corresponding to the investment target fund information and beneficiary certificate account information opened to deposit the beneficiary certificate.

Those skilled in the art will be familiar with the technical characteristics of the beneficiary certificates corresponding to the fund information, and the technical characteristics of the beneficiary certificates account for depositing the beneficiary certificates. Detailed description thereof will be omitted for convenience.

According to one embodiment of the invention, the storage medium 875 is preferably provided in a DBMS on a financial system 880 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885, thereby. The present invention is not limited.

According to another method of the present invention, the storage medium 875 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the fund subscription system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The fund subscription server 800 provided on the fund subscription system according to the present invention is a generic term for the components of the fund subscription system connected to the terminal device 890 through a predetermined communication network, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 890 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 fund subscription server 800 is A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or accessible to the external system of the financial system 880 through the Internet banking system. A server (or device), a program included in the server (or device), and / or on the financial system 880 accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system 880, whereby The name is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the fund subscription server 800 may be configured as the wireless banking system. A predetermined server (or a program provided in the wireless banking server) and / or a predetermined server (or accessible to the external system of the financial system 880) through the wireless banking system. Device), a program included in the server (or device), and / or external to the financial system 880 accessible through the wireless banking server (and / or the server (or device)). It may be a server (or a device), and / or a program provided in the external system on the financial system 880, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the fund subscription server 800 is the telebanking system. The banking system 880 may be a predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on and / or a program included in the telebanking server, and / or through the telebanking system. Any server (or device) accessible to the outside world of the program, a program included in the server (or device), and / or the 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 financial system 880, and / or a program provided in the external system on the financial system 880, whereby the present invention provides a Shall not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the fund subscription server 800 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 880 through the TV banking system. (Or device), a program included in the server (or device), and / or to the external system on the financial system 880 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided, and / or a program provided in the external world on the financial system 880, whereby the present invention is not limited.

According to the method of the present invention, the fund subscription server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 890 through the communication network.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 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 805 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 fund subscription server 800, the interface unit 805 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 890 is a financial automation device connected to a predetermined financial network, the interface unit 805 is 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 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable 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 equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 805 communicates with the client terminal based on the CDMA protocol. Connect a channel and provide 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. do.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the fund subscription server 800, the interface unit 805 may be connected with 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 terminal device 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 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 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 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 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. 8, the fund subscription server 800 exceeds the fund when a predetermined terminal device 890 connects a predetermined communication channel with the fund subscription server 800 through the interface unit 805. Generating (or extracting) at least one user interface for inputting (or selecting) predetermined fund subscription request information from the terminal device 890 to the fund subscription server 800 for reinvestment of profits; An interface providing unit 810 for providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805, and the fund through the user interface in the terminal device 890. When the subscription application information is input (or selected) and transmitted, the number of information for which the fund receives the application information transmitted from the terminal device 890 in association with the interface unit 805. A bride 815 is provided.

The interface providing unit 810 connects a predetermined communication channel with the fund subscription server 800 through the interface unit 805 and then exceeds the fund subscription server 800. When requesting a user interface for providing a reinvestment function according to profit (or negative profit), the terminal 890 inputs (or selects) predetermined fund subscription request information through the communication network and the fund subscription server 800. Generate at least one user interface to be transmitted to the network, and / or extract it from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 805 via the communication network. Characterized in that provided to the terminal device (890).

According to an exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 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 by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 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 provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 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 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 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 805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 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 805.

According to another exemplary embodiment of the present invention, the terminal apparatus 890 includes at least one user interface for inputting (or selecting) predetermined fund subscription request information to the fund subscription server 800 through the communication network. When a predetermined information registration program is provided, the terminal apparatus is generated (or extracted) by inputting (or selecting) predetermined fund subscription application information as described above and transmitting to the fund subscription server 800. The interface providing unit 810 provided to 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 inputs (or selects) fund subscription application information including at least one of the customer information, the investment fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the user interface. And transmits the input (or selected) fund subscription application information to the fund subscription server 800 through the communication network. In response thereto, the information receiver 815 is connected to the interface unit 805 to provide the fund subscription request information. The fund subscription request information transmitted from the terminal device 890 may be received.

According to an embodiment of the present invention, the terminal device 890 joins the fund to the fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the fund subscription request information in the server 800. It is preferable to transmit to the fund subscription server 800 through the communication network.

According to an embodiment of the present invention, the terminal device 890 includes at least one or more fund subscription application information including at least one of the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. Encrypt using an encryption method (eg, symmetric key based encryption 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 apply for the fund Preferably, a predetermined electronic signature is attached to the information and transmitted to the fund subscription server 800 through the communication network. For this purpose, the terminal device 890 includes at least one encryption key corresponding to the encryption method. And / or have a predetermined certificate containing at least one encryption key, and / or the certificate When the certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for confirming an authorized certificate provided on the IC chip (or IC card) is provided.

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

Referring to FIG. 8, when the fund subscription request information transmitted from the terminal device 890 is received through the information receiving unit 815, the fund subscription request information is exceeded. It is characterized in that it comprises a validity check unit 820 to confirm whether the validity to provide a re-investment function according to the profit (or negative return).

According to an embodiment of the present invention, the fund subscription 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). When encrypted with an exchange-based encryption method, the validity verification unit 820 may convert the encrypted fund subscription information to at least one decryption method (eg, symmetric key-based decryption method, and / or) corresponding to the encryption method. 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 fund subscription application information.

Alternatively, when a predetermined electronic signature is attached to the fund subscription request information, the validity confirming unit 820 checks the electronic signature attached to the fund subscription request information, thereby validating the validity of the received fund subscription request information. It is desirable to authenticate.

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

When the fund subscription request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the fund subscription request information, the validity confirming unit 820 ) Compares and authenticates the password included in the fund subscription request information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received fund subscription request information.

Alternatively, when the fund subscription request information received through the information receiver 815 further includes predetermined security card information for confirming the validity of the fund subscription request information, the validity confirming unit 820 may determine the validity of the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription application information by comparing and authenticating the received security card information included in the fund subscription information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiver 815 further includes a predetermined OTP code for confirming the validity of the fund subscription request information, the validity confirming unit 820 may determine the fund. By comparing and authenticating the received OTP code included in the subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the validity of the received fund subscription application information is verified. It is desirable to authenticate.

According to an embodiment of the present invention, the validity confirmation of the fund subscription information is at least one or more matching with the fund subscription application information in the ledger D / B 885 on the financial system 880 associated with the fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information includes a customer stored in the ledger D / B 885 on the financial system 880 associated with the fund subscription system among the information included in the fund subscription request information. It is preferable to include checking whether the match with the ledger.

Referring to FIG. 8, if the fund subscription server 800 validates the fund subscription request information through the validity checker 820, a predetermined fund subscription electronic information including the received fund subscription request information is provided. An electronic document generation unit 825 for generating a document and an electronic document transmission unit 830 for transmitting the generated fund subscription electronic document to the electronic document storage associated with the fund subscription system.

The electronic document generator 825 generates a fund subscription electronic document including the fund subscription request information received from the terminal device 890 through the information receiver 815.

According to an exemplary embodiment of the present invention, the electronic document generator 825 checks customer information, investment target fund information, fund investment information, and fund profit included in the fund subscription application information received through the information receiver 815. Generate document content including at least one information and reinvestment processing information, and include a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC) containing the document content. Or a word processor file including at least one or the like, or a web document file including the MHT, etc.), as a fund subscription electronic document that provides a reinvestment function according to the excess return (or negative return).

Alternatively, the electronic document generation unit 825 may include at least the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information included in the fund subscription application information received through the information receiving unit 815. Generate document content including one or more, and watermark at least one of the customer information, the investment target information, the fund investment information, the fund return confirmation information, and the reinvestment processing information included in the fund subscription information to the document content. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. A word processor file, or a web document file containing MHT, etc.) in accordance with the excess revenue (or negative revenue) It is preferable to process the funded electronic documents that provide the reinvestment function.

Alternatively, the electronic document generation unit 825 may include at least the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information included in the fund subscription application information received through the information receiving unit 815. The excess revenue (or negative revenue) generates an image file including one or more document contents, and an image file including image contents captured by capturing the document contents (eg, image contents generated by capturing the document contents on a memory). It is advisable to treat it as a funded electronic document that provides a reinvestment function.

Alternatively, the electronic document generation unit 825 may include at least the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information included in the fund subscription application information received through the information receiving unit 815. Customer information and investment included in the fund subscription application information in generating document content including one or more, and capturing the document content (e.g., image content generated by capturing the document content on a memory). After including at least one or more of the target fund information, fund investment information, fund return confirmation information and reinvestment processing information by a watermarking method, an image file including the image content including the watermarking to the excess revenue ( Or funding electronic documents that provide a reinvestment function based on negative returns). desirable.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, investment target fund information, fund investment information, and fund profit included in the fund subscription application information received through the information receiving unit 815. A predetermined content including document content including at least one piece of confirmation information and reinvestment processing information, and including image content (eg, image content generated by capturing the document content on a memory); By generating 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) In addition, it is preferable to process a fund subscription electronic document that provides a reinvestment function according to the excess return (or negative return).

Alternatively, the electronic document generation unit 825 may include at least the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information included in the fund subscription application information received through the information receiving unit 815. Customer information and investment included in the fund subscription application information in generating document content including one or more, and capturing the document content (e.g., image content generated by capturing the document content on a memory). A document file that generates image content including at least one of target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information by a watermarking method, and includes the image content including the watermarking. (E.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / DOC By generating a word processor file including at least one or more; .

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, investment target fund information, fund investment information, and funds included in the fund subscription application information received through the information receiving unit 815. Generating document content including at least one of revenue confirmation information and reinvestment processing information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the fund subscription A predetermined document file including application 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 including an MHT. By generating a document file, etc., to a fund subscription electronic document that provides a reinvestment function according to the excess return (or negative return). It is preferable to process.

Alternatively, the electronic document generation unit 825 may include at least the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information included in the fund subscription application information received through the information receiving unit 815. Customer information and investment included in the fund subscription application information in generating document content including one or more, and capturing the document content (e.g., image content generated by capturing the document content on a memory). Generate image content including at least one of target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information by a watermarking method, and apply for the image content including the watermarking and the fund subscription Document files containing information (e.g., Portable Document Format (PDF) files, or EDI (Electronic Dat) a fund that provides a reinvestment function according to the excess return (or negative return) by generating an Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to treat it as a subscription electronic document.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 825 generating a fund subscription electronic document in an image file format and / or a predetermined document file format, and the fund subscription. 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 830 transmits and stores the fund subscription electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the fund subscription system.

As shown in FIG. 8, the electronic document repository is connected with a fund subscription server 800 on the fund subscription system through a predetermined communication means and a predetermined electronic document server 850 and an electronic document D / B 870. When provided externally, the electronic document transmission unit 830 to the electronic document server 850 via the communication means for the electronic subscription to the fund generated by the electronic document generation unit 825 Characterized in that the transmission.

Herein, when the electronic document server 850 and the electronic document D / B 870 are provided outside the fund subscription system, the electronic document server 850 and the electronic document D / B 870 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the fund subscription system, the electronic document transmission unit 830 is the fund generated by the electronic document generation unit 825 It is possible to store the subscription electronic document in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS provided in the fund subscription system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 830 inputs electronic document related information (eg, the fund subscription request information) for generating predetermined electronic document management information in the electronic document server 850 ( The customer information, and / or financial institution information for transmitting the fund subscription electronic document, and / or electronic document file format information, and / or the fund subscription information, etc.). It is possible to transmit to, by which the present invention is not limited.

Referring to FIG. 8, the fund subscription server 800 may refund the fund subscription request information received through the information receiver 815 according to the excess return (or negative return) through the validity checker 820. If the validity is provided, the predetermined information corresponding to the fund is based on the customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the validated fund subscription application information. An information generation unit 835 for generating beneficiary certificate information, and the beneficiary certificate based on the customer information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information included in the fund subscription application information; And an account opening processing unit 840 for opening and processing a fund management account under the name of the customer. The.

When the validity confirmation unit 820 confirms the validity of the fund subscription application information, the information generation unit 835 includes the customer information included in the fund subscription application information, investment target fund information, fund investment information, and fund. And generating predetermined beneficiary certificate information corresponding to the fund based on the profit confirmation information and the reinvestment processing information.

The account opening processing unit 840 generates a customer ledger including the customer information included in the fund subscription application information in connection with the financial system 880 (or checks the customer ledger that is matched with the customer information and is already provided. ), After generating predetermined account ledger information including the beneficiary certificate information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the excess revenue ( Or a predetermined fund management account for providing a reinvestment function according to a negative return).

According to an embodiment of the present invention, when the fund subscription server 800 and the financial system 880 are present in the same system, the account opening processing unit 840 is linked with the financial system 880 to ledger D / In B 885, it is preferable to generate a predetermined ledger including the beneficiary certificate information.

According to another exemplary embodiment of the present invention, when the fund subscription server 800 and the financial system 880 exist on another system connected through a predetermined communication means, the account opening processing unit 840 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 880, to make a ledger D / B 885 on the other financial system 880 to create a predetermined ledger containing the beneficiary information.

Referring to FIG. 8, the fund subscription server 800 may refund the fund subscription request information received through the information receiver 815 according to the excess return (or negative return) through the validity checker 820. If the validity to provide is certified, the customer information and investment target information and fund investment information and fund return confirmation information and fund management account information corresponding to the investment target fund included in the validity of the subscription application information And an information storage unit 845 for storing the fund management information including at least one of the funds in a predetermined storage medium 875.

When the validity verification unit 820 confirms the validity of the fund subscription application information, the information storage unit 845 may include the customer information, the investment target fund information, the fund investment information, and the customer information included in the fund subscription application information. And storing the fund operation information including at least one fund confirmation information in the storage medium 875.

In addition, when the beneficiary certificate information generated by the information generation unit 835 is generated, the information storage unit 845 deposits the generated beneficiary certificate information and the beneficiary certificate in the fund management information. It is preferable to further include fund management account information including at least one account information in the storage medium 875.

Referring to FIG. 8, an electronic document server receiving a predetermined fund subscription electronic document from the fund subscription server 800 provided on the fund subscription system and storing and managing the electronic document D / B 870 in a predetermined electronic document D / B 870 The electronic document receiving unit 855 for receiving a predetermined fund subscription electronic document from the fund subscription server 800 through a predetermined communication means, and the received fund subscription electronic document for the electronic document D / B ( An information generation unit 860 for generating predetermined electronic document management information for storage and management in the 870; and a predetermined electronic document D / B 870 by linking the electronic document management information and the fund subscription electronic document. And an electronic document storage unit 865 stored in the storage device.

The electronic document receiving unit 855 receives a fund subscription electronic document in the form of an image file and / or a document file from the fund subscription server 800 through the communication means.

According to an embodiment of the present invention, the fund subscription electronic document received by the electronic document receiving unit 855 through the communication means is the fund subscription application information received by the fund subscription server 800 from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file, or an EDI file) including document information including at least one of customer information, target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information included in the; 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 fund entry electronic document received by the electronic document receiving unit 855 through the communication means may include customer information included in the fund subscription application information received by the fund subscription server 800 from the terminal device 890. Customer information included in the fund application information, fund information, fund investment information, and fund return confirmation information in document contents including at least one fund information, fund investment information, fund return confirmation information, and reinvestment processing information; And at least one or more of the reinvestment processing information by a watermarking method, and then a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) file containing document content including the watermarking. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT) It comprises are preferred.

Alternatively, the fund subscription electronic document received by the electronic document receiving unit 855 through the communication means may include customer information and investment included in the fund subscription application information received by the fund subscription server 800 from the terminal device 890. Image content (e.g., image content generated by capturing the document content on the memory) including document content including at least one target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information; It is preferable to include an image file.

Alternatively, the fund entry electronic document received by the electronic document receiving unit 855 through the communication means may include customer information included in the fund subscription application information received by the fund subscription server 800 from the terminal device 890. To the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one or more investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. After the watermarking method includes at least one or more information of the customer information, investment target information, fund investment information, fund profit confirmation information and reinvestment processing information included in the fund subscription application information, the watermarking is included. It is preferable to include an image file containing the image content.

According to another exemplary embodiment of the present invention, the fund subscription electronic document received by the electronic document receiving unit 855 through the communication means is a fund subscription request received by the fund subscription server 800 from the terminal device 890. Image content (e.g., capturing the document content in memory) that captures document content including at least one of customer information included in the information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing 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 fund subscription electronic document received by the electronic document receiving unit 855 through the communication means may include customer information and investment included in the fund subscription application information received by the fund subscription server 800 from the terminal device 890. The image content (eg, image content generated by capturing the document content in memory) is captured in the document content including at least one target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information. Generating image content including at least one of customer information included in the fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information by a watermarking method; Document files containing image content including markings (e.g., Portable Document Format (PDF) files, Preferably it comprises a web page file, and so on) that include the word-processor file, or MHT, or the like (Electronic Data Interchange) EDI file, or HWP / DOC at least one.

According to another exemplary embodiment of the present invention, the fund subscription electronic document received by the electronic document receiving unit 855 through the communication means is a fund subscription server 800 received from the terminal device 890. Image content capturing document content including at least one of customer information included in the application information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information (eg, the document content is stored on the memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the captured image content) and the fund subscription request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the fund subscription electronic document received by the electronic document receiving unit 855 through the communication means may include customer information and investment included in the fund subscription application information received by the fund subscription server 800 from the terminal device 890. The image content (eg, image content generated by capturing the document content in memory) is captured in the document content including at least one target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information. Generating image content including at least one of customer information included in the fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information by a watermarking method; A document file (e.g., PDF) containing image contents including marking and the fund subscription 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.

The information generating unit 860 is a predetermined electronic document unique number (or unique information) to be assigned to the electronic document by the fund received through the electronic document receiving unit 855, and through the electronic document receiving unit 855 And generating electronic document management information including electronic document storage date and time information including a date and time at which the fund subscription electronic document was received (or a date and time at which the fund subscription electronic document was stored).

According to the exemplary embodiment of the present invention, the information generation unit 860 refers to the fund subscription electronic document that transmitted the fund subscription electronic document received through the electronic document receiver 855, and the fund subscription 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 fund subscription server 800 through the electronic document receiving unit 855, the information generating unit 860 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the fund subscription request information and / or financial institution information transmitting the fund subscription electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the fund subscription information).

The electronic document storage unit 865 associates a fund subscription electronic document received through the electronic document receiving unit 855 with electronic document management information generated by the information generating unit 860 to process a predetermined electronic document D /. It is characterized in that stored in the B (870).

According to the exemplary embodiment of the present invention, the fund subscription electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the fund subscription server 800 from the terminal device 890. Document file (eg, Portable Document Format) including document information including at least one of customer information included in the received fund application information, investment target information, fund investment information, fund profit confirmation information, and reinvestment processing 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.

Alternatively, the fund subscription electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be included in the fund subscription request information received by the fund subscription server 800 from the terminal device 890. Customer information included in the fund application information, investment target fund information, and fund investment information in document contents including at least one client information, target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. And a document file (eg, a Portable Document Format (PDF) file) including document content including the watermarking after including at least one or more information of fund return confirmation information and reinvestment processing information by a watermarking method, 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 preferable to include a.

Alternatively, the fund subscription electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be included in the fund subscription request information received by the fund subscription server 800 from the terminal device 890. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of included customer information, target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information. Preferably an image file containing one image content).

Alternatively, the fund subscription electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be included in the fund subscription request information received by the fund subscription server 800 from the terminal device 890. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of included customer information, target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information. One image content) including at least one or more of customer information included in the fund subscription information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information in a watermarking manner. Preferably, the image file includes an image file including image content including watermarking.

According to another exemplary embodiment of the present invention, the fund subscription electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the fund subscription server 800 by the terminal device 890. Image content that captures document content including at least one of customer information, investment target information, fund investment information, fund profit confirmation information, and reinvestment processing information included in the fund subscription application information received from At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files containing MHT).

Alternatively, the fund subscription electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be included in the fund subscription request information received by the fund subscription server 800 from the terminal device 890. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of included customer information, target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information. An image content including at least one of customer information, investment target information, fund investment information, fund return confirmation information, and reinvestment processing information included in the application for subscription information in a watermarking method. A document file (eg, a PDF (Portable Document Format) file) that generates the content and includes the image content including the watermarking; Or 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).

According to another exemplary embodiment of the present invention, the fund subscription server 800 stores the electronic document storage unit 865 in the electronic document D / B 870 in which the fund subscription server 800 includes the terminal device 890. Image content (e.g., capturing document content including at least one of customer information, investment target information, fund investment information, fund profit confirmation information, and reinvestment processing information included in the fund subscription application information received from A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the content of the document by capturing the document content on a memory and the fund subscription request information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the fund subscription electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be included in the fund subscription request information received by the fund subscription server 800 from the terminal device 890. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of included customer information, target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information. Image contents including at least one of customer information, investment target information, fund investment information, fund return confirmation information, and reinvestment processing information included in the fund subscription application information in a watermarking method. A document file including an image content including the watermarking and the fund subscription request 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).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 870 by the electronic document storage unit 865 in association with the fund subscription electronic document is stored in the fund subscription 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 the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by processing the electronic document storage unit 865 in association with the fund subscription electronic document is the fund subscription electronic document. It is preferable that the financial institution further includes the information on the financial institution that transmitted the fund subscription electronic document confirmed with reference to the fund subscription server 800 that transmitted the.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the fund subscription server 800, the electronic document storage unit 865 processes the electronic document by linking with the fund subscription electronic document. The electronic document management information stored in the document D / B 870 may include the received electronic document related information (eg, customer information transmitted by inputting (selecting) the fund subscription request information and / or the fund subscription electronic document). Financial institution information, and / or electronic document file format information, and / or the fund subscription information, etc.).

9 is a diagram illustrating an implementation method in which a storage medium 875 for storing fund operation information corresponding to a fund subscribed in a non-face-to-face manner is provided in a DBMS on a financial system 880 according to one embodiment of the present invention. .

In more detail, in FIG. 9, the storage medium 875 shown in FIG. 8 is the ledger D / B 885 provided in the DBMS on the financial system 880, or is provided in the ledger D / B 885. In this case, as the information structure for an embodiment of the method in which the fund management information is stored in the ledger information provided in the ledger D / B (885), if the person of ordinary skill in the art While referring to and / or modifying this figure 9 may infer various information construction methods for storing the fund management information in the ledger D / B 885, the present invention encompasses all inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 885 provided in the DBMS on the financial system 880 is associated with a predetermined customer ledger and the customer ledger. An account ledger corresponding to a fund subscribed to through the fund subscription system shown in FIG. 8 and at least one or more information associated with the account ledger are included, and one of ordinary skill in the art to which the present invention pertains. If, the ledger D / B 885 provided in the DBMS on the financial system 880 includes at least one ledger (eg, ledger, loan ledger, mortgage ledger, in addition to the customer ledger and account ledger shown in Figure 9). ... Etc.) and / or at least one additional information for maintaining and managing the ledgers will also be clearly understood, and specific technical details will be read. Since it is, the detailed description thereof will be omitted for clarity.

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. Including at least one 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 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, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked 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 ( The number of days), periodical reception information including at least one term extension, 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.

Referring to FIG. 9, the storage medium 875 is the ledger D / B 885, or includes an implementation method provided in the ledger D / B 885 according to an embodiment of the present invention. Additional information associated with the account ledger includes fund operation information including at least one investment target fund information, fund investment information, and fund return confirmation information included in the fund subscription application information provided through the fund subscription system shown in FIG. Characterized in that the ledger is stored.

Herein, the fund return confirmation information may include at least one or more condition information for confirming whether an excess return occurs for the fund, or at least one condition information for confirming whether a negative return occurs, and the fund return confirmation information To repurchase and cash out the excess return on the fund to reinvest in another financial instrument, or to reinvest and cash back the investment principal and proceeds in accordance with the negative return. desirable.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the reference proceeds, it is desirable to process the funds to be reinvested in another financial instrument by repurchasing and cashing out the excess proceeds after subtracting the reference proceeds.

According to another exemplary embodiment of the present invention, fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes expected return information announced at the time when the customer joins the fund. If the fund's return is greater than the expected return, it is preferable to repurchase and cash out the profit corresponding to the excess return after subtracting the expected return from the fund's return to reinvest in another financial instrument.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss amount, it is preferable to repurchase and cash out the investment principal and proceeds to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund subscription application 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, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

10 illustrates a ledger D / B 885 provided with a DBMS on a financial system 880 with a storage medium 875 for storing fund operation information corresponding to a fund joined in a non-face-to-face manner according to another embodiment of the present invention. Is a diagram showing an implementation method including a database associated with

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 875 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 885 provided in the DBMS on the financial system 880. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 10 and transmit the fund operation information to a predetermined database in the ledger D / B 885. It is possible to infer various information configuration methods for storing in association with the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when it is not easy to store the fund operation information in the ledger information of the ledger D / B 885 on the DBMS provided on the financial system 880 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 885 of the ledger, or the system expansion is not easy due to the nature of the financial system 880), the fund may be placed in a predetermined database instead of the ledger D / B 885. A method of storing operation information and linking and storing the database and the ledger D / B 885 is illustrated.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 880 as in the embodiment shown in FIG. 10, and a database on the Internet banking system according to the intention of a person skilled in the art; And / or 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. 10, the storage medium 875 includes a database associated with the ledger D / B 885 provided in the DBMS on the financial system 880. And fund management information including at least one of the investment target fund information, the fund investment information, and the fund return information included in the fund subscription application information, wherein the fund management information is the ledger D / B ( 885), it is preferable that the fund management information further includes a CIF number corresponding to the ledger information.

Herein, the fund return confirmation information may include at least one or more condition information for checking whether an excess return occurs for the fund or condition information for confirming whether a negative return occurs, and confirming the fund return. Based on the information, it is necessary to repurchase and cash out the excess return on the fund to reinvest in another financial instrument, or to reinvest and cash out the principal and proceeds in accordance with the negative return. desirable.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the reference proceeds, it is desirable to process the funds to be reinvested in another financial instrument by repurchasing and cashing out the excess proceeds after subtracting the reference proceeds.

According to another exemplary embodiment of the present invention, fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes expected return information announced at the time when the customer joins the fund. Preferably, if the fund's return is greater than the expected return, it is preferable to process the reinvestment and cash reinvestment in other financial instruments by repurposing and cashing the profit corresponding to the excess return after subtracting the expected return from the fund.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss amount, it is preferable to repurchase and cash out the investment principal and proceeds to reinvest in another financial instrument.

11 is a diagram illustrating an implementation method including a DBMS provided with a banking server in a storage medium 875 for storing fund operation information corresponding to a fund joined in a non-face-to-face manner according to another embodiment of the present invention. to be.

In more detail, in Figure 11, the storage medium 875 shown in Figure 8 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. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of constructing information on fund operation information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 11 in which the storage medium 875 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is applied to the fund subscription request information. And storing the fund management information including at least one of the included investment target fund information, fund investment information, and fund return confirmation information.

Herein, the fund return confirmation information may include at least one or more condition information for confirming whether an excess return occurs for the fund, or at least one condition information for confirming whether a negative return occurs, and the fund return confirmation information It is desirable to process excess funds for the fund to be repurchased and cashed in to reinvest in other financial instruments, or to reinvest and cash back the investment principal and proceeds in accordance with the negative returns. Do.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises reference return information set by the customer, the return rate of the fund If it is greater than the reference return, it is preferable to process the repayment and cashing of the profit corresponding to the excess return after subtracting the reference return from the fund return to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether an excess return for the fund occurs, preferably comprises the reference profit information set by the customer, the fund If the proceeds are greater than the base proceedings, it is preferable to repurchase and cash out the excess proceeds after subtracting the base proceeds from the fund proceeds to reinvest in another financial instrument.

According to another exemplary embodiment of the present invention, fund return confirmation information including a condition for confirming whether an excess return occurs for the fund includes expected return information announced at the time when the customer joins the fund. Preferably, if the fund's return is greater than the expected return, it is preferable to process the reinvestment and cash reinvestment in other financial instruments by repurposing and cashing the profit corresponding to the excess return after subtracting the expected return from the fund.

According to an exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund is generated includes the negative return information set by the customer, and the fund yield If it is less than the negative rate of return, it is desirable to process the investment principal and the proceeds to be repurchased and cashed in to another financial instrument.

According to another exemplary embodiment of the present invention, the fund return confirmation information including a condition for confirming whether a negative return for the fund occurs, preferably comprises the reference loss information for the investment principal, the fund If a loss occurs and the fund loss is greater than the reference loss amount, it is preferable to repurchase and cash out the investment principal and proceeds to reinvest in another financial instrument.

12A and 12B are diagrams illustrating a fund subscription process for providing a reinvestment function according to excess revenue (or negative profit) in a non-face-to-face manner according to one embodiment of the present invention.

12A and 12B illustrate a web server in which a terminal device 890 on the fund subscription system shown in FIG. 8 is a client terminal, and the fund subscription server 800 is accessible to a client terminal through a predetermined communication network. In the case of having a function, a predetermined customer joins a fund providing a reinvestment function according to excess return (or negative return), through the client terminal, customer information, target fund information, fund investment information, and fund return. When the fund subscription application information including at least one identification information and reinvestment processing information is provided, at least one of the customer information, the target fund information, the fund investment information, the fund investment confirmation information, and the reinvestment processing information may be provided by the fund subscription system. The excess revenue (or negative revenue) based on the fund subscription information that you include The present invention relates to an implementation method of processing a subscription to the fund providing a reinvestment function according to the present invention. Those skilled in the art to which the present invention pertains may refer to and / or modify the present inventions in FIGS. Various implementation methods of registering the fund subscription application information with the fund subscription server 800 may be inferred, but the present invention includes all the implementation methods inferred, and the implementation methods shown in FIGS. 12A and 12B. It is not limited to this.

For example, although the method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the fund subscription request information and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

12A and 12B provide a user interface through which the client terminal inputs (or selects) the fund subscription request information through a predetermined web page provided by the fund subscription server 800. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the fund subscription server 800, and the present invention is not limited thereto.

12A and 12B, the client terminal shown in FIG. 8 is referred to as a “terminal” for convenience, and the fund subscription server 800 shown in FIG. 8 is referred to as a “server” for convenience. The customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information transmitted to the fund subscription server 800 are referred to as "fund application information" for convenience.

12A and 12B, a client terminal illustrated in FIG. 8 is a predetermined communication network (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 And / or connect a predetermined communication channel to the server through an (or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, and the excess revenue. When a web page including a user interface providing a reinvestment function according to (or negative profit) is requested (1200), the server correspondingly includes the customer information, the fund information, the fund investment information, the fund return confirmation information, and the like. User interface for inputting (or selecting) fund subscription application information including at least one reinvestment processing information and transmitting it to the server Generate a web page that contains (or extract), and 1205, and outputs through the communication network transmits the web page including a user interface, the generated (or extracted) to the mobile station 1210.

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 fund subscription application information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) fund subscription information including at least one or more customer information, investment target information, fund investment information, fund return confirmation information, and reinvestment processing information through a user interface included in the web page. (1215).

If the terminal receives (or selects) fund subscription application information including the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information, through the user interface (1220), the terminal In operation 1225, the client information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information inputted (or selected) are transmitted to the server through the communication channel.

According to an embodiment of the present invention, the terminal requests for subscription to the fund from the server to the fund subscription request information including at least one of the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. At least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or OTP code generated through a predetermined one time password (OTP) generator, etc. to the server through the communication network It is desirable to transmit.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, fund subscription information including at least one of the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information). , Symmetric key based encryption 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 It is preferable to transmit the electronic signature to the server through the communication network, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Has a predetermined 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 (for example, fund subscription information including at least one of the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information). , Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC If equipped with a chip (or an IC card), check the official certificate provided with the IC chip (or an IC card). It is preferable that a card reader for drawing is provided.

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

Thereafter, the server receives and reads the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the communication channel to confirm the validity of the fund subscription application information (1230). .

According to an embodiment of the present invention, the fund subscription 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). When encrypted with an exchange-based encryption scheme, the server may convert the encrypted fund subscription information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption 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 fund subscription request information.

Alternatively, when a predetermined electronic signature is attached to the fund subscription request information, the server may verify the validity of the received fund subscription request information by checking the electronic signature attached to the fund subscription request information. .

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

According to an embodiment of the present invention, when the fund subscription request information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the fund subscription request information, the server subscribes to the fund. It is preferable to authenticate the validity of the received fund subscription application information by comparing and authenticating a password included in the application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the fund subscription request information, the server may include the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the fund subscription request information, the server may include the fund subscription request information. Comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received fund subscription application information Do.

According to an embodiment of the present invention, the validity confirmation of the fund subscription information is at least one or more matching with the fund subscription application information in the ledger D / B 885 on the financial system 880 associated with the fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information includes a customer stored in the ledger D / B 885 on the financial system 880 associated with the fund subscription system among the information included in the fund subscription request information. It is preferable to include checking whether the match with the ledger.

If the validity of the fund subscription request information is not authenticated (1235), the server generates a web page including predetermined fund subscription error information and transmits it to the terminal (1240), and does not perform the fund subscription procedure. Do not.

On the other hand, if the validity of the fund subscription request information is authenticated (1235), the server includes at least one or more customer information including the fund subscription request information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. Generates predetermined document content including 1245, and generates a predetermined fund subscription electronic document including the document content (1250).

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the received fund subscription information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a fund subscription electronic document providing a reinvestment function according to the excess return (or negative return).

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. After the watermarking method includes at least one or more information of the customer information, investment target information, fund investment information, fund profit confirmation information and reinvestment processing information included in the application for subscription to the watermarking (Watermarking) method, 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) A document file, etc.) to provide a reinvestment function based on the excess return (or negative return) It is preferable to process the document.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. An image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into a fund subscription electronic document that provides a reinvestment function according to the excess profit (or negative profit). It is preferable to process.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. Captured image content (e.g., image content generated by capturing the document content on a memory), customer information included in the fund subscription application information, fund information, fund investment information, fund return confirmation information, After the at least one of the reinvestment processing information including watermarking (Watermarking) method, a fund for providing a reinvestment function based on the excess revenue (or negative profit) of the image file including the image content including the watermarking It is preferable to process it as an electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one document including customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the received fund subscription information. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby reinvesting function according to the excess profit (or negative profit). It is preferable to process the fund subscription electronic document providing the.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. Captured image content (e.g., image content generated by capturing the document content on a memory), customer information included in the fund subscription application information, fund information, fund investment information, fund return confirmation information, Generate image content including at least one or more of the reinvestment information in a watermarking manner, and include a document file (for example, a PDF (Portable Document Format) file, or EDI) that includes the image content including the watermarking. (Electronic Data Interchange) Word containing at least one file, or HWP / DOC By creating a file processor, or the web document file, and so on) containing the MHT, the excess is preferably treated with funds to join the electronic document to provide the function of the re-invested profit (or negative revenue).

According to another exemplary embodiment of the present invention, the server includes at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. A predetermined document file (eg, PDF) including document content generated from the document content, the image content captured by capturing the document content (eg, the image content generated by capturing the document content on a memory), and the fund subscription request information. Generating a (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. It is advisable to proceed with an advisory letter prior to joining a fund that provides a reinvestment function under negative returns.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. Captured image content (e.g., image content generated by capturing the document content on a memory), customer information included in the fund subscription application information, fund information, fund investment information, fund return confirmation information, A document file (for example, PDF) that generates image content including at least one or more pieces of reinvestment information in a watermarking manner, and includes the watermarking image content and the fund subscription request information. Format file, EDI (Electronic Data Interchange) file, or HWP / DOC By generating one or more word processor files, or web document files including MHT), it is preferable to process them as a fund subscription electronic document that provides a reinvestment function according to the excess profit (or negative profit).

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a fund subscription electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the fund subscription 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 fund subscription electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the fund subscription system through predetermined communication means. When provided, the server preferably transmits the generated fund subscription electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund subscription system, the server may convert the generated fund subscription electronic document to an electronic document storage on a DBMS provided in the fund subscription system. It is possible to store in the D / B 870, whereby the present invention is not limited.

According to the method of the present invention, storing the fund subscription electronic document in the electronic document storage, the electronic document D shown in Fig. 8 by linking the generated fund subscription electronic document and predetermined electronic document management information Preferably stored in / B 870.

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

The electronic document management information may further include information about a financial institution that transmitted the fund subscription electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the fund subscription request information, and / or financial institution information transmitting the fund subscription electronic document, and / or Or electronic document file format information, and / or the fund subscription application information).

If the fund subscription electronic document is stored in the electronic document repository (1260), the server stores the customer information included in the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. In operation 1265, predetermined beneficiary certificate information corresponding to the fund is generated.

Thereafter, the server is connected to the financial system 880 to the beneficiary certificate based on the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information included in the fund subscription application information. A fund management account under the customer's name including the information is opened (1270).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the fund subscription application information in association with the financial system 880 (or a customer ledger provided by matching with the customer information. And generating predetermined account ledger information including the beneficiary certificate information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized by opening a predetermined fund management account that provides a reinvestment function according to the excess return (or negative return).

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server transmits the beneficiary information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the beneficiary information through the external system.

Thereafter, the server operates a fund including at least one of the customer information included in the fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and fund management account information corresponding to the investment target fund. The information is stored in a predetermined storage medium 875 (1275).

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. Preferably, the storage medium 875 stores fund management information including at least one investment target fund information, fund investment information, fund profit confirmation information, and fund management account information.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the customer information and the investment target included in the received fund subscription application information. The fund operation information including at least one or more fund information, fund investment information, fund profit confirmation information, and fund management account information is provided to the information system through the external system on the financial system 880 to be provided on the financial system 880. It is desirable to store in a DBMS.

Thereafter, the server records predetermined fund registration information (eg, details of opening a fund management account corresponding to the fund, and / or details of storing the fund subscription electronic document in the electronic document repository, and / or the storage). The details of storing the fund subscription request information in the medium 875) are generated (or extracted) and transmitted to the terminal (1280).

According to one embodiment of the invention, the storage medium 875 is preferably provided in a DBMS on a financial system 880 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885, thereby. The present invention is not limited.

According to another method of the present invention, the storage medium 875 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the fund subscription system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a fund subscription process for providing a reinvestment function based on excess return (or negative return) according to one embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C illustrate the case where the fund subscription system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, on the fund subscription system shown in FIG. 8). In the case where the fund subscription server 800 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 performs a predetermined customer authentication procedure. If the client terminal transmits predetermined fund subscription application information to the internet banking server in order to join a fund providing a reinvestment function according to the excess profit (or negative profit), the client information and the investment are transmitted from the internet banking server. Fund containing at least one target fund information, fund investment information, fund return confirmation information and reinvestment processing information The present invention relates to a method of performing a subscription process to the fund that provides a reinvestment function based on the excess return (or negative return) based on the subscription application information. 13b and 13c may be inferred from various implementation methods for registering the fund subscription application information through other types of non-face-to-face financial transaction channels, but the present invention may infer all implementation methods. It includes, and is not limited to the embodiment shown in Figure 13a, Figure 13b and Figure 13c.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering fund subscription application information between the client terminal and the Internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. The 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. 13a, 13b, and 13c. And internet banking standing Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of fund subscription information between the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

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 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method of linking non-face-to-face channel-based financial transactions channels for registration of fund subscription information, but the present invention It 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 non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

In addition, although the method shown in FIGS. 13A, 13B, and 13C 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 a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the fund subscription server 800 is referred to as a "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to 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 the provided browser program.

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 (1310a).

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 installed and / or updated in the terminal (1315a), the server installs the latest version of the Internet banking security module into the terminal according to a remote program installation procedure defined in the browser program. Transfer to mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), 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 (1330a), 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 registration of fund subscription information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and 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 provided to the server for registration of fund subscription application information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode 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 (1335a).

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 (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined fund subscription application information for providing a reinvestment function according to excess revenue (or negative profit) from the terminal to the server.

Thereafter, when the terminal requests a webpage including a user interface for providing a reinvestment function according to the excess return (or negative return) to the server through an internet banking-based financial transaction channel (1300b), The server includes a user interface for inputting (or selecting) fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information, to be transmitted to the server. A web page is generated (or extracted) (1305b), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page inputs (or selects) fund subscription application information including at least one of customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information in the terminal. And / or predetermined password and / or security card information (e.g., an Internet banking application) to verify the validity of the Internet banking customer requesting to register the fund subscription application information. The security card information printed on the security card issued to the customer in the process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application) More user interface for entering one-time passwords (generated by OTP authentication program) It is preferred to also.

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

Thereafter, the terminal inputs (or selects) fund subscription application information including at least one of the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the fund subscription interface (1315b). ).

If the terminal receives (or selects) fund subscription application information including the customer information, the target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information through the user interface (1320b), the terminal In operation 1325b, the fund subscription application information input (or selected) is transmitted to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal requests for subscription to the fund from the server to the fund subscription request information including at least one of the customer information, the investment target fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information. At least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or OTP code generated through a predetermined one time password (OTP) generator, etc. to the server through the communication network It is desirable to transmit.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, fund subscription information including at least one of the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information). Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, an electronic signature is attached and transmitted to the server through the communication network. For this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have an official certificate of the IC chip and / or E), if provided in the card, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, fund subscription information including at least one of the customer information, the fund information, the fund investment information, the fund return confirmation information, and the reinvestment processing information). , Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate In the case of an IC chip (or IC card), the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

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

Thereafter, the server receives and reads the fund subscription request information through the financial transaction channel to confirm the validity of the fund subscription request information (1330b).

According to an embodiment of the present invention, the fund subscription 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). When encrypted with an exchange-based encryption scheme, the server may convert the encrypted fund subscription information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption 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 fund subscription request information.

Alternatively, when a predetermined electronic signature is attached to the fund subscription request information, the server may verify the validity of the received fund subscription request information by checking the electronic signature attached to the fund subscription request information. .

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

According to an embodiment of the present invention, when the fund subscription request information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the fund subscription request information, the server subscribes to the fund. It is preferable to authenticate the validity of the received fund subscription application information by comparing and authenticating a password included in the application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the fund subscription request information, the server may include the fund subscription request information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received fund subscription application information.

Alternatively, when the fund subscription request information received through the information receiver 815 further includes a predetermined OTP code for checking the validity of the fund subscription request information, the server is included in the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. .

According to an embodiment of the present invention, the validity confirmation of the fund subscription information is at least one or more matching with the fund subscription application information in the ledger D / B 885 on the financial system 880 associated with the fund subscription system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information includes a customer stored in the ledger D / B 885 on the financial system 880 associated with the fund subscription system among the information included in the fund subscription request information. It is preferable to include checking whether the match with the ledger.

If the validity of the fund subscription request information is not authenticated (1335b), the server generates a webpage including predetermined fund subscription error information and transmits it to the terminal (1340b), and does not perform the fund subscription procedure. Do not.

On the other hand, if the validity of the fund subscription application information is authenticated (1335b), the server includes at least one or more customer information including the fund subscription application information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. Generates predetermined document content including 1345b, and generates a predetermined fund subscription electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the received fund subscription information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a fund subscription electronic document providing a reinvestment function according to the excess return (or negative return).

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. The watermarking method includes watermarking after including at least one of customer information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information included in the application for subscription to the fund. 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. File, etc.) to provide a reinvestment function based on the excess return (or negative return) It is desirable to process each other.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. An image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into a fund subscription electronic document that provides a reinvestment function according to the excess profit (or negative profit). It is preferable to process.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. Captured image content (e.g., image content generated by capturing the document content on a memory), customer information included in the fund subscription application information, fund information, fund investment information, fund return confirmation information, After the at least one of the reinvestment processing information including watermarking (Watermarking) method, a fund for providing a reinvestment function based on the excess revenue (or negative profit) of the image file including the image content including the watermarking It is preferable to process it as an electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one document including customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the received fund subscription information. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby reinvesting function according to the excess profit (or negative profit). It is desirable to process the fund as an electronic document that provides.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. Captured image content (e.g., image content generated by capturing the document content on a memory), customer information included in the fund subscription application information, fund information, fund investment information, fund return confirmation information, Generate image content including at least one or more of the reinvestment information in a watermarking manner, and include a document file (for example, a PDF (Portable Document Format) file, or EDI) that includes the image content including the watermarking. (Electronic Data Interchange) Word or Word, which contains at least one file, such as HWP / DOC By generating a processor file or a web document file including the MHT), it is preferable to process it as a fund subscription electronic document that provides a reinvestment function according to the excess profit (or negative profit).

According to another exemplary embodiment of the present invention, the server includes at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information. A predetermined document file (eg, PDF) including document content generated, image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the fund subscription request information. Generating a (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. It is desirable to process the funded electronic documents that provide the reinvestment function according to the negative return.

Alternatively, the server generates document content including at least one of customer information included in the received fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and reinvestment processing information, and the document content. Captured image content (e.g., image content generated by capturing the document content on a memory), customer information included in the fund subscription application information, fund information, fund investment information, fund return confirmation information, A document file (for example, PDF) that generates image content including at least one or more pieces of reinvestment information in a watermarking manner, and includes the watermarking image content and the fund subscription request information. Format file, EDI (Electronic Data Interchange) file, or HWP / DOC By generating one or more word processor files, or web document files including MHT), it is preferable to process them as a fund subscription electronic document that provides a reinvestment function according to the excess profit (or negative profit).

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a fund subscription electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the fund subscription 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 fund subscription electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the fund subscription system through predetermined communication means. When provided, the server preferably transmits the generated fund subscription electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund subscription system, the server may convert the generated fund subscription electronic document to an electronic document storage on a DBMS provided in the fund subscription system. It is possible to store in the D / B 870, whereby the present invention is not limited.

According to the method of the present invention, storing the fund subscription electronic document in the electronic document storage, the electronic document D shown in Fig. 8 by linking the generated fund subscription electronic document and predetermined electronic document management information Preferably stored in / B 870.

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

The electronic document management information may further include information about a financial institution that transmitted the fund subscription electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the fund subscription request information, and / or financial institution information transmitting the fund subscription electronic document, and / or Or electronic document file format information, and / or the fund subscription application information).

If the fund subscription electronic document is stored in the electronic document repository (1360c), the server stores the customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the fund subscription application information. Generate predetermined beneficiary information corresponding to the fund based on 1365c.

Thereafter, the server is connected with the financial system 880 to the beneficiary information based on the customer information, investment target fund information, fund investment information, fund return confirmation information, and reinvestment processing information included in the fund subscription application information. Opens a fund management account in the name of the customer including a process (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the fund subscription application information in association with the financial system 880 (or a customer ledger provided by matching with the customer information. And generating predetermined account ledger information including the beneficiary certificate information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized by opening a predetermined fund management account that provides a reinvestment function according to the excess return (or negative return).

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server transmits the beneficiary information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the beneficiary information through the external system.

Thereafter, the server operates a fund including at least one of the customer information included in the fund subscription information, investment target fund information, fund investment information, fund profit confirmation information, and fund management account information corresponding to the investment target fund. Information is stored in a predetermined storage medium 875 (1375c).

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. Preferably, the storage medium 875 stores fund management information including at least one investment target fund information, fund investment information, fund profit confirmation information, and fund management account information.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the customer information and the investment target included in the received fund subscription application information. Provide fund management information including at least one of fund information, fund investment information, fund profit confirmation information, and fund management account information to the information system through an external system on the financial system 880 to be provided on the financial system 880. It is preferable to store in the DBMS.

Thereafter, the server records predetermined fund registration information (eg, details of opening a fund management account corresponding to the fund, and / or details of storing the fund subscription electronic document in the electronic document repository, and / or the storage). The details of storing the fund subscription request information in the medium 875) are generated (or extracted) and transmitted to the terminal (1380c).

According to one embodiment of the invention, the storage medium 875 is preferably provided in a DBMS on a financial system 880 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885, thereby. The present invention is not limited.

According to another method of the present invention, the storage medium 875 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the fund subscription system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

14 illustrates a fund management system for reinvestment based on excess returns (or negative returns) according to an embodiment of the present invention.

In more detail, FIG. 14 is based on the beneficiary certificates deposited in the fund management account provided in the ledger on the financial system, the funds joined through the fund subscription system shown in FIG. When excess revenue (or negative revenue) occurs, the system reinvests the amount (or investment principal and proceeds) corresponding to the excess profit in at least one or more other financial products based on the fund management information stored in the storage medium 1430. As a configuration, those skilled in the art to which the present invention pertains, various implementations of the fund management system for reinvestment according to the excess return (or negative return) by referring to and / or modifying the present figure 14 It will be appreciated that the method may be inferred, but the present invention will include all implementation methods inferred above, Indicated only exemplary method is not limited that technical feature.

Referring to FIG. 14 according to an embodiment of the present invention, the fund management system includes a financial system in which a fund management account corresponding to a fund joined through the fund subscription system shown in FIG. 1 or 8 is opened, and the fund. The fund is operated based on a storage medium 1430 for storing operation information and a beneficiary certificate deposited in the fund management account in association with the financial system, and the fund operation information stored in the storage medium 1430. When the fund periodically checks and generates an excess return (or negative return), at least one or more amounts corresponding to the excess return (or investment principal and proceeds) based on the fund management information stored in the storage medium 1430. It is characterized by comprising a fund management server 1400 for reinvesting in other financial products.

Here, the storage medium 1430 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the fund management server 1400 is a fund management server 1400 on the fund subscription system shown in FIG. 1 or 8, or in connection with the fund management server 1400 shown in FIG. It may be a separate server that manages the fund or achieves reinvestment according to the excess return (or negative return), whereby the present invention is not limited.

In addition, in FIG. 14, the fund management server 1400 functions to operate the fund based on the beneficiary certificate in connection with the financial system, and periodically stores the fund operation information stored in the storage medium 1430. Although it is shown to include all the functional configuration to achieve the re-investment according to the excess return (or negative return), by this, the present invention is not limited by this, the fund management server 1400 for each functional configuration It is clear that this may be through a separate server (or device).

The financial system is a general term for the computerized system in which the beneficiary certificates established through the fund subscription system shown in FIG. It is characterized in that the connection through at least one teller terminal and a predetermined financial network (for example, party network), and provides a face-to-face financial transaction service for at least one financial transaction customer through the teller terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

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

The storage medium 1430 includes at least the customer information, the fund information, the fund investment information, the fund return confirmation information, the reinvestment processing information, and the fund management account information through the fund subscription system illustrated in FIG. 1 or 8. As a generic term for storage means for storing information on one or more funds in operation, the storage medium 1430 may be provided in the ledger D / B on the financial system, or may be linked to the ledger D / B according to the intention of a person skilled in the art. It is possible to be provided in a database of, or on at least one or more banking systems.

Referring to FIG. 14, the fund management server 1400 manages the fund based on the beneficiary certificate established through the fund subscription system shown in FIG. 1 or 8 in connection with the financial system. It is characterized in that it comprises an operating unit 1405, according to the intention of those skilled in the art, the fund operating unit 1405 may be composed of at least two or more functional components (or means) in more detail, whereby the present invention It is not limited.

The fund management unit 1405 generates a profit by investing the fund in at least one or more investment targets based on beneficiary certificates deposited in a fund management account included in the fund management information in connection with the financial system. It is characterized in that the fund yield (or fund proceeds) according to the operation is calculated, and the calculated fund yield information (or fund proceeds information) is recorded in the ledger on the financial system.

Those skilled in the art to which the present invention pertains will be familiar with the method of calculating the fund yield (or proceeds), so a detailed description thereof will be omitted for convenience.

In addition, the fund management unit 1405 checks whether the fund's contract expiration arrives in connection with the storage medium 1430 (or the ledger corresponding to the fund management account on the financial system), and confirms the arrival of the contract expiration of the fund. If so, the investment amount corresponding to the fund and the profit generated in response to the fund investment may be withdrawn from the fund management account and deposited (refunded) into the customer account.

Referring to FIG. 14, the fund management server 1400 manages a fund corresponding to the fund by the fund manager 1405 in association with the financial system for reinvestment according to the excess return (or negative return). In the meantime, the profit confirmation unit 1410 that checks whether the excess return (or negative return) for the fund is generated in connection with the financial system and the storage medium 1430, and the excess return (or negative) to the fund as a result of the confirmation. Revenue), an amount checking unit 1420 that checks a reinvestment amount in response to the excess profit (or negative profit), and at least one or more other finances to reinvest the reinvestment amount in connection with the storage medium 1430. An information confirming unit 1425 for confirming commodity information, and repurchases the identified reinvestment amount from the beneficiary certificate and cashes it in connection with the financial system, And a reinvestment processor 1415 for reinvesting the cashed reinvestment amount in the identified other financial instrument.

While the fund manager 1405 is operating a fund corresponding to the fund in connection with the financial system, the revenue confirmation unit 1410 is a fund yield (or fund proceeds) for the fund in connection with the financial system. By periodically checking and comparing the identified fund yield (or fund proceed) with the reference return (or expected return) or the reference profit included in the fund return confirmation information in association with the storage medium 1430, to determine the fund. It is characterized by checking whether the excess revenue for.

Alternatively, the profit confirmation unit 1410 periodically checks the fund return rate (or fund return) for the fund in connection with the financial system, and the identified fund return rate (or fund) in connection with the storage medium 1430. Revenue) to compare with the negative rate of return included in the fund return confirmation information, characterized in that to determine whether a negative return for the fund occurs.

As a result of the verification, when excess fund (or negative profit) is generated in the fund, the amount checking unit 1420 subtracts the reference rate of return (or expected rate of return) included in the fund return confirmation information from the identified fund rate of return. Confirming the rate of return, characterized in that the profit corresponding to the excess return is confirmed as the reinvestment amount according to the excess return.

Alternatively, the amount checking unit 1420 confirms the excess profit by subtracting the reference profit included in the fund profit confirmation information from the identified fund profit, and confirming the excess return as the reinvestment amount according to the excess return. It features.

Alternatively, the amount confirming unit 1420 checks the investment principal and the profit of the fund as the reinvestment amount according to the negative return when the identified fund return is smaller than the negative return included in the fund return confirmation information. It features.

The information confirming unit 1425 checks at least one or more reinvestment target financial product information based on the customer approval information included in the reinvestment processing information in connection with the storage medium 1430.

When the reinvestment processing information includes at least one or more reinvestment target financial product information specified by the customer according to an exemplary embodiment of the present invention, the information checking unit 1425 is configured to reinvest the specified reinvestment target financial product information. It is desirable to identify the amount as another financial instrument to be reinvested.

According to another exemplary embodiment of the present invention, when the customer does not specify another financial product in the reinvestment processing information, the information checking unit 1425 may include reinvestment condition information included in the reinvestment processing information (eg, expected return rate). It is preferable to identify another financial product to reinvest the identified reinvestment amount among at least one or more financial products operated by the fund management institution (or financial institution) based on.

When the reinvestment amount is confirmed by the amount confirming unit 1420, and the financial product subject to reinvestment is confirmed by the information confirming unit 1425, the reinvestment processing unit 1415 is connected to the reinvestment processing information in association with the financial system. Repurchase the identified reinvestment amount from the beneficiary certificate on the basis of the customer approval information included, and cashes.

Those skilled in the art to which the present invention pertains will be familiar with the technical features to repurchase some of the funds invested in the fund, so the detailed description thereof will be omitted for convenience.

If the identified reinvestment amount is cashed, the reinvestment processing unit 1415 reinvests the cashed reinvestment amount in the identified other financial products.

According to an embodiment of the present invention, the reinvestment processor 1415 may convert the cashed reinvestment amount into at least one or more other fund products in connection with at least one financial product investment system, such as the fund subscription system shown in FIG. 1 or 8. , Reinvestment in bonds, securities, savings, etc.

15 is a diagram illustrating a reinvestment process according to excess returns according to one embodiment of the present invention.

In more detail, Figure 15 is based on the beneficiary certificates deposited in the fund management account provided in the ledger on the financial system, the funds joined through the fund subscription system shown in Figure 1 or Figure 8 When excess revenue occurs, the process of reinvesting the reinvestment amount corresponding to the excess return in at least one or more other financial products based on the fund management information stored in the storage medium 1430, in the technical field to which the present invention belongs Those skilled in the art may refer to and / or modify this drawing 15 to infer various implementation methods for the reinvestment process according to the excess return, but the present invention includes all implementation methods inferred above. The technical features are not limited only to the implementation method illustrated in FIG. 15.

Hereinafter, the fund management server 1400 shown in FIG. 14 is referred to as "server" in FIG.

Referring to FIG. 15, the server operates at least one or more funds subscribed to through the fund subscription system shown in FIG. 1 or 8 in connection with the financial system, and the fund yield (or fund profit) according to the operation of the fund. ) And repeat the process of recording in the ledger corresponding to the fund management account.

In the fund management process, the server checks the reference return (or expected return) or the reference profit included in the fund management account information and the fund return confirmation information linked to the reinvestment confirmation customer information in connection with the storage medium 1430. (1505).

Thereafter, the server checks a fund yield (or fund proceed) for the fund corresponding to the identified fund management account in connection with the financial system (1510), and the fund yield (or fund proceed) and the reference yield ( Or compare the expected return) or the reference return to determine the excess return (or excess return) (1515).

If the verification result confirms an excess return (or excess return) for the fund (1520), the server confirms a reinvestment amount including an amount corresponding to the excess return (or the identified excess return) (1525). ).

According to an exemplary embodiment of the present invention, the server checks the excess return by subtracting the base rate of return (or expected return) included in the fund return confirmation information from the identified fund rate of return and checks the proceeds corresponding to the excess rate of return. It is preferable to check the reinvestment amount according to the excess return.

According to another exemplary embodiment of the present invention, the server checks the excess profit by subtracting the base profit included in the fund profit confirmation information from the identified fund profit, and converts the excess profit into the reinvestment amount according to the excess profit. It is desirable to confirm.

Thereafter, the server checks at least one reinvestment target financial product information based on the reinvestment processing information in connection with the storage medium 1430 (1530).

According to an embodiment of the present invention, when the reinvestment processing information includes at least one reinvestment target financial product information designated by the customer, the server may reinvest the designated reinvestment target financial product information to reinvest the identified reinvestment amount. It is desirable to identify it as a financial instrument.

According to another exemplary embodiment of the present invention, when the customer does not specify another financial product in the reinvestment processing information, the server is based on the reinvestment condition information (eg, expected return rate) included in the reinvestment processing information. It is desirable to identify another financial instrument to reinvest the identified reinvestment amount among at least one financial instrument operated by the operating institution (or financial institution).

Thereafter, the server repurchases the confirmed reinvestment amount from the fund management account and cashes the cash based on the customer approval information included in the reinvestment process information (1535).

If the reinvestment amount is repurchased and cashed (1540), the server reinvests the cashed reinvestment amount in the at least one identified reinvestment financial product in association with the financial system (1545).

According to an embodiment of the present invention, the server may be configured to convert the cashed reinvestment amount into at least one or more other fund products, bond products, in conjunction with at least one financial product investment system, such as the fund subscription system shown in FIG. It is desirable to reinvest in securities and savings products.

16 is a diagram illustrating a reinvestment process according to a negative return according to another exemplary embodiment of the present invention.

In more detail, FIG. 16 is based on the beneficiary certificates deposited in the fund management account provided in the ledger on the financial system, the funds joined through the fund subscription system shown in FIG. When a negative profit is generated, a process of reinvesting a reinvestment amount including an investment principal and a profit for the fund in at least one or more other financial products based on the fund operation information stored in the storage medium 1430, the present invention Those skilled in the art will be able to infer various implementation methods for the reinvestment process according to the negative profit by referring to and / or modifying the drawing 16, but the present invention is inferred from all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG. do.

Hereinafter, in FIG. 16, the fund management server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience.

Referring to FIG. 16, the server operates at least one or more funds subscribed to through the fund subscription system shown in FIG. 1 or 8 in connection with the financial system, and the fund yield (or fund profit) according to the operation of the fund. ) And repeat the process of recording in the ledger corresponding to the fund management account.

In the fund management process, the server checks the negative rate of return (or reference loss) included in the fund management account information and the fund income confirmation information associated with the negative revenue confirmation target customer information in connection with the storage medium 1430 (1605). ).

Thereafter, the server checks a fund yield (or fund yield) for a fund corresponding to the identified fund management account in connection with the financial system (1610), and the fund yield (or fund yield) and the negative yield ( Or compare the base loss) to determine whether the fund yield (or fund return) is less than the negative rate of return (or base loss) (1615).

If the result of the check indicates that the fund return (or fund return) is less than the negative return (or reference loss), the server confirms a reinvestment amount including the principal and the profit for the fund (1625).

Thereafter, the server checks at least one reinvestment target financial product information based on the reinvestment processing information in connection with the storage medium 1430 (1630).

According to an embodiment of the present invention, when the reinvestment processing information includes at least one reinvestment target financial product information designated by the customer, the server may reinvest the designated reinvestment target financial product information to reinvest the identified reinvestment amount. It is desirable to identify it as a financial instrument.

According to another exemplary embodiment of the present invention, when the customer does not specify another financial product in the reinvestment processing information, the server is based on the reinvestment condition information (eg, expected return rate) included in the reinvestment processing information. It is desirable to identify another financial instrument to reinvest the identified reinvestment amount among at least one financial instrument operated by the operating institution (or financial institution).

Thereafter, the server repurchases the confirmed reinvestment amount from the fund management account based on the customer approval information included in the reinvestment process information and cashes it (1635).

If the reinvestment amount is repurchased and cashed (1640), the server reinvests the cashed reinvestment amount to the at least one identified reinvestment financial product in connection with the financial system (1645).

According to an embodiment of the present invention, the server may be configured to convert the cashed reinvestment amount into at least one or more other fund products, bond products, in conjunction with at least one financial product investment system, such as the fund subscription system shown in FIG. It is desirable to reinvest in securities and savings products.

According to the present invention, it is possible to reinvest excess returns generated while operating an investment product such as a fund to which the customer subscribes to another financial product to automatically maintain a stable return on the investment product from the customer's point of view and to manage risk. There is an advantage.

According to the present invention, if a negative profit is generated while operating an investment product such as a fund to which the customer subscribes, the investment principal and proceeds of the customer are re-invested in another financial product to automatically and stablely invest in the investment product from the customer's point of view. There are advantages to maintaining profits and managing risk.

Claims (5)

When a customer joins a fund, the information storage means stores the fund information subscribed to the customer, reference yield (or expected return, reference yield) information for identifying excess returns for the fund and the excess return to at least one other financial instrument. Storing the customer approval information for reinvesting in association with the storage medium; When the return rate of the fund to which the customer subscribes is calculated during the operation of the fund, the profit confirmation means compares the fund return rate (or fund return) with the reference return rate (or expected return rate) in association with the storage medium. Checking if it occurs; In the event of excess revenue, the amount checking means identifies the excess return (or excess return) by subtracting the fund return (or fund return) from the reference return (or expected return or return), and the excess return (or excess return). Calculating a reinvestment amount corresponding to the reinvestment amount; Re-investment repurchase the identified reinvestment amount on the basis of the customer approval information stored in the storage medium in the reinvestment processing means, and processing the cashed reinvestment amount to be reinvested in at least one or more other financial products; Fund operation method, characterized in that. When a customer joins a fund, at least one or more other financial instruments corresponding to the fund's investment principal and proceeds in response to the minus return information and the minus return for identifying the fund information and the minus return for the fund in the information storage means. Storing customer pre-approved information in association with reinvestment in the storage medium; If a rate of return for the fund to which the customer subscribes is calculated during the operation of the fund, checking whether the fund yield compares the negative rate of return with the storage medium to generate a negative return; Calculating a reinvestment amount of the principal and the proceeds of the fund in the amount checking means when negative profits are generated; Re-investment repurchase the identified reinvestment amount on the basis of the customer approval information stored in the storage medium in the reinvestment processing means, and processing the cashed reinvestment amount to be reinvested in at least one or more other financial products; Fund operation method, characterized in that. A recording medium comprising a program for executing the method according to any one of claims 1 to 2. When a client joins a fund, information about the fund information the client has subscribed to, the base rate of return (or expected return, baseline) for identifying excess returns for the fund, and the reinvestment of the excess return in at least one other financial instrument. A storage medium for storing the customer approval information in association; When the return rate of the fund subscribed to by the customer during the operation of the fund is calculated, comparing the fund return rate (or fund return) with the reference return rate (or expected return rate) in connection with the storage medium to determine whether excess return occurs. Revenue checking means; When excess returns occur, the fund returns (or fund returns) are subtracted from the reference returns (or expected returns, reference returns) to determine excess returns (or excess returns), and reinvestment corresponding to the excess returns (or excess returns). An amount checking means for calculating an amount; And reinvestment processing means for repurposing the identified reinvestment amount based on customer approval information stored in the storage medium and converting the cashed reinvestment amount to be reinvested in at least one or more other financial products. Fund management system. Reinvesting the fund's investment principal and proceeds in at least one or more other financial instruments in response to the minus return information and the minus return for identifying the fund information and the minus return for the fund when the client joins the fund; A storage medium for storing the customer approval information in association with the storage medium; A profit checking means for checking whether a fund yield compares with the negative return and generates a negative return in connection with the storage medium, when a return for the fund subscribed to by the customer is calculated during the operation of the fund; An amount checking means for calculating a reinvestment amount of the principal and the profit of the fund when a negative profit is generated; And reinvestment processing means for repurposing the identified reinvestment amount based on customer approval information stored in the storage medium and converting the cashed reinvestment amount to be reinvested in at least one or more other financial products. Fund management system.

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