KR20100071520A - The system which guides a purchasing/managing process of a umbrella type financial products - Google Patents

Abstract

PURPOSE: A system for guiding a purchasing/managing process of umbrella type financial products is provided to send a message for purchasing generated SFPs to an FP management server. CONSTITUTION: A module(140) for purchasing SFP(Son Financial Product)s receives breakdowns for purchasing SFPs and a SFP holding percentage registered by a module for guiding purchase of SFPs. The module for purchasing SFPs generates a message for purchasing SFPs based on the received data. The module for purchasing SFPs sends the generate message for purchasing SFPs to an FP management server. The module for purchasing SFPs purchases a UFP(Umbrella type Financial Product) by a corresponding customer name.

Description

The system which guides a purchasing / managing process of a umbrella type financial products}

The present invention relates to a system for guiding the purchase and operation of Umbrella type Financial Products (UFP) (hereinafter referred to as "UFP"). Guides you to select multiple Buyer Financial Products (SFPs) under one Mother Financial Products (MFP). In addition, the calculation module that can guide the purchase weight of each purchase decision SFP to be set differently according to the judgment of the customer> Based on this, a series of SFP majority execution messages are generated, and the generated SFP majority execution messages are sent to the FP system management server, so that the weighting ratio is distributed to multiple SFPs having different holding ratios. Therefore, without any additional measures, a systematic module for guiding new types of UFP that can cope with changes in the social and economic environment in advance can be bought and set under the name of the customer. On the client side, the FP (or its own) can be responded to in a timely manner in response to rapid changes in the social and economic environment, without the extreme option of bundling 100% of all the SFPs owned by other SFPs. It is a UFP purchase / operation guide system that can guide the optimal management of asset value.

In recent years, as the economy expands rapidly, various financial products such as stock funds, bond funds, sector funds, and funds of funds (FPs) are referred to as "FP". The number of customers (individual customers, corporate customers, etc.) investing and holding companies is also increasing rapidly. As a result, the social status of various FP managers (eg, securities companies, etc.) that manages and handles customers' FPs in general is increasing rapidly. Importance is also increasing significantly.

In general, under such a conventional system, as shown in FIG. 1, the FP management company (K) is referred to as the FP invested by the customer (C). Etc.)>, <Overseas FP Distribution Market (3: For example, Overseas Stock Market, Overseas Bond Market, etc.)> Etc., and check the overall distribution status of the FP through the FP management period server (1). And ongoing management procedures.

Of course, under such a conventional system, <domestic FP distribution market (2: eg, domestic stock market, domestic bond market, etc.)>, <Overseas FP distribution market (3: eg, overseas stock market, overseas bond market, etc.)> The customer's own (C) side, according to the situation, because they have to show frequent liquidity, volatility, etc. in accordance with the rapid change in the social and economic environment of each distribution market (2, 3) We are forced to face a situation where we have to relocate our existing FPs to other types of FPs that are expected to realize higher asset values.

In view of such a sensitive situation, the conventional financial product management company (K) side, as shown in Figure 2, a number of (eg, about 5-6) under one mother financial products (MFP) After collecting Son Financial Products (SFPs), customers are able to separate specific SFPs that they have 100% concentrated in accordance with the rapid change in the social and economic environment in which the FP distribution market (2, 3) belongs. The company is developing and distributing UFPs that can be transferred to other SFPs and retained at 100% with no cancellation fees.

Typically, under such a conventional UFP system, as shown in FIG. 3, the FP management company (K) side according to the customer (C) side intention, <a procedure for converting the SFP in the MFP to another SFP (for example For example, the customer (C), according to his or her intention, to sell 100% of the SFP (L), and guide the buyer to buy and hold another SFP (M) 100%)> In this regard, the government will guide the management of the asset value of its own FP in an optimal state while appropriately responding to the rapid changes in the social and economic environment to which each distribution market (2, 3) belongs.

Of course, under such a conventional UFP purchase / operation guide system, the customer (C) side sells 100% of the specific SFP (L) which is expected to be low at the desired time point, and is expected to increase in value. Being able to buy / hold 100% of other SFPs (M) 100% (i.e. converting SFP (L) to 100% of SFPs (M) 100%), thus better optimizing their FP value The state can be saved and maintained.

However, in the above-described conventional case, each FP management company (K) does not provide the customer with various options of choice at all, except that << all the specific SFPs held by the customer to other SFPs selected by the customer. The only fundamental reason why this monotonous step is inevitably taken is because of the monotonous nature of the very extreme management patterns that convert (i.e. 100% full conversion) monotonously (of course, 100% total conversion). Without a separate scatter spectrum, only 100% of the specific SFPs of his choice were concentrated). Under the conventional system, the customer (C) also stated that <they identified all the specific SFPs that they had already Only the option to concentrate and change 100% to other SFPs will be extremely extreme.

For example, as shown in FIG. 3 above, each conventional FP management company (K) side does not have a wide variety of choices for the customer, but only the <C (c) side holds it. Since only a procedure> of converting all the specific SFPs (L) to 100% batches of the other SFPs (M) designated by the customer (C) is monotonically proceeded, the conventional customer can not do much on the customer (C) side. In other words, it is inevitable that the choice to concentrate and change 100% of all SFPs (L) to the SFPs (M) indicated by them is extremely extreme.

Of course, under such extreme options, each customer (C) side, if his judgment is a little wrong, the social environment / economic environment changes differently from the situational awareness, so that the value of each SFP is If the situation is changed differently from the situational awareness, it is inevitable to bear various mental and material damages according to the result.

For example, as shown in FIG. 3, under the situation where the customer C concentrates and changes all of the SFPs L to SFP M, the social environment / economic environment is different from the judgment of the customer C side. If the value of SFP (L), which is expected to decrease and the value is lowered, becomes higher than the value of SFP (M), the corresponding customer (C) side incorrectly (i.e., SFP (L) to SFP (M)). There is no choice but to bear the various mental and physical damages caused by the collective change.

On the other hand, under the conventional system described above, various FPs, such as stock funds, bond funds, sector funds, and funds of funds, have some degree of investment risk due to their product characteristics. As a matter of fact, if a mistake is made in the judgment of the customer C on the wrong side, the customer C may suffer unexpected damages.

Of course, even under such a damage situation, if the FP held by the customer C is not concentrated on any one part and constitutes a diverse portfolio, the customer C needs to make unnecessary spread of the damage. By effectively blocking them, you can reduce your damage to a minimum. Naturally, in view of these advantages, each conventional customer (C) side is making a lot of efforts to diversify the portfolio of self-owned FP as much as possible.

However, in spite of this sensitive situation, as described above, each conventional FP management company (K) side merely has 100% of all the specific SFPs held by the customer (C) side to another SFP selected by the customer (C). Since only the extreme management pattern for batch conversion was maintained monotonously, the customer (C) side, despite the continuous service provided by each FP management company (K), simply <the specific SFP that he had, for example, SFP ( Only the result of 100% change in L) to other SFPs, such as SFP (M), was monotonously acquired, but no benefit could be enjoyed in terms of portfolio diversity in self-owned FPs. There was a lot of difficulty in structuring the portfolio of FP.

As a result, in the situation where the above-mentioned problems exist, if no other measures are taken, each customer C will be forced to exhibit a very passive coping behavior in investing / operating his own FP. The management will not be able to avoid the damage of the overall FP market.

Accordingly, an object of the present invention is to guide a client to select a number of buy decision SFPs under one MFP and to determine the holding ratio of the buy decision SFPs according to their own judgment. Computation module that can guide different setting>, <Set number of SFP purchase decision set by customer and holding weight details of each purchase decision SFP, generate a series of SFP number execution message, and generate many SFPs By sending the execution message to the FP system management server, a new type of UFP is distributed and composed of a number of SFPs with different holding ratios so that they can cope with social and economic changes without any further action. Systematic modules> etc. that can be guided so that they can be bought and set under the customer's name are systematically arranged, It is possible to respond to the rapid change in social and economic environment, without making the extreme choice of converting 100% of the specific SFPs owned by other SFPs to the other SFPs. It is to guide the management of asset value in optimal condition.

It is another object of the present invention to design / provide a new type of UFP that is distributed and composed of a plurality of SFPs having different weights, and which can cope with changes in the social and economic environment without any additional measures. By effectively excluding the extreme environment in which all of the specific SFPs are collectively changed to other SFPs designated by the customer, the social environment and the economic environment change according to the customer's situational awareness, and accordingly, the value of each SFP is changed. Even so, the client is guided to easily avoid the various mental and material damages that result from the consequences (ie, incorrect extreme choices).

Another object of the present invention is to realize a flexible management pattern for buying and setting a new type of UFP composed of a plurality of SFPs having different holding ratios according to the customer's choice, in the name of the corresponding customer, and thereby Without any effort, the customer's portfolio of FPs does not focus on any one part, but rather diversifies into various types, effectively blocking unnecessary spread of damage even under unforeseen risks. In other words, they are guided to minimize their damage.

Still other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

In order to achieve the above object, the present invention communicates with a FP management period server that computerizes and manages financial products (FPs) of customers invested in domestic and overseas distribution markets, while transmitting data from the client side of the client. Based on the above, UFP purchases that collectively control the design and delivery of Umbrella type Financial Products (UFP) consisting of Mother Financial Products (MFP) and Son Financial Products (SFP) Operation guide server; Controlled by the UFP purchase / operation guide server, while publishing / operating a UFP purchase guide frame via the client client, at the customer's discretion, a plurality of purchase decisions attached to the MFP and the MFP are determined. An SFP majority guide module for guiding each of the SFPs and the holding ratios of the multiple purchase decision SFPs through the UFP quantity guide frame; The SFP majority purchase message controlled by the UFP number / operation guide server and based on the received data of the SFP majority purchase decision received by the SFP majority guide module and the holding ratio of each SFP, and received data SFP multiplier execution to generate and send a generated SFP multiplicity execution message to the FP system management server side, so that UFPs distributed and configured as a plurality of SFPs having different holding ratios are bought and set under the corresponding customer name. Disclosed is a UFP purchase / operation guide system comprising a module.

In the present invention, <Guide to guide customers to select a number of buy decision SFP under one MFP, according to their own judgment, and to set the holding ratio of this buy decision SFP differently according to their own judgment Based on the computer module that can be guided>, <Multiple SFP purchase decision details set by the customer, and the holding ratio history of each purchase decision SFP, a series of SFP multiple execution messages are generated, and the generated SFP majority execution messages are generated. By sending to the FP system management server, a new type of UFP is distributed and composed of a number of SFPs with different holding ratios so that they can cope with changes in the social and economic environment without any further action. The implementation environment of the present invention is provided by systematically arranging / providing a computer module>, etc., which can be guided so that the number of copies can be set and set. Under the circumstances, the customer's own FP (or FP package) can be optimally managed.

In addition, the present invention design and provide <a new type of UFP that is distributed and composed of a plurality of SFPs having different weights, and which can cope with changes in the social and economic environment in advance without any additional measures. Under the practice of the present invention, the <extreme environment in which all of the specific SFPs are collectively changed to another SFP designated by the customer> can be effectively excluded, and as a result, the social environment / economic environment is changed differently from the customer's situational awareness. Thus, even if the value of each SFP changes, the customer can easily avoid the various mental and material damages that result (ie, due to incorrect extreme selection).

Furthermore, in the present invention, a flexible management pattern for buying and setting a new type of UFP composed of a plurality of SFPs having different holding ratios according to the customer's name is set in the name of the corresponding customer, thereby realizing a different Without effort, the portfolio of FPs held by the customer is not focused on any one part but is diversified into various types, so under the implementation environment of the present invention, even in a risk situation that the customer does not anticipate, <the unnecessary spread of damages By blocking> effectively, you can minimize your damage.

Hereinafter, with reference to the accompanying drawings, it will be described in more detail the FP structure conversion system according to the present invention.

As shown in FIG. 4, the UFP purchase / operation guide system 100 according to the present invention may include, for example, a customer client 21 through an online network 31 such as a wired / wireless internet network, a financial communication network, or the like. Based on the data transmitted from the client client 21 side while forming a series of signal connection relationships with the FP management system server 11 and the account management server 41, the design and provision procedure of the UFP composed of MFP, SFP, etc. (See FIG. 6) UFP purchase / operation guide server 101 for overall control, and service page operation module 103, operation assistance module 104, and SFP under the control of this UFP purchase / operation guide server 101. The multiple number guide module 120, the SFP multiple number execution module 140, the SFP large number purchase price early provision module 150, the SFP large number purchase exchange module 160, etc. will take a close combination.

In this case, the FP management period server 11 determines that the FP invested by the customer is <domestic FP distribution market (12: eg, domestic stock market, domestic bond market, etc.)>, <Overseas FP distribution market (13: eg, overseas). Stock market, foreign bond market, etc.), and through the communication with the Securities & Futures Exchange System (not shown) that manages each FP distribution market (12, 13). Computerized check and management of the distribution status, the results of reporting the results to the client client 21, etc. are continuously performed.

In this case, the customer client 21 includes, for example, a computing device such as a notebook PC or a desktop PC, a cellular phone, a PCS phone, a synchronous / asynchronous type, and the like. IMT-2000 (International Mobile Telecommunication-2000), Palm Personal Computer (PDA), Personal Digital Assistant (PDA), Smart Phone, Wireless Application Protocol Phone (WAP Phone), Game Machine ( A mobile device such as a play-station may be flexibly selected according to the situation of each customer.

In this situation, in the service page operation module 103 controlled by the UFP purchase / operation guide server 101, a customer who invests his or her FP (including UFP) in domestic and overseas distribution markets (12, 13) When connecting to the system 100 side via 21 (of course, such a connection path may be via the FP management system server 11), the data storage via the D / B management module 112 The operation information D / B 111 in the block 108 is accessed, and various service operation information stored therein, for example, various text / image / image / link / program information for generating a service page, various service page settings After flexible extraction of information, the service page 200 as shown in FIG. 5 is generated based on each extracted operation information, and the generated service page 200 is selectively transmitted and posted to the client client 21 side. Station , It is secondary to the underlying environment for the <UFP number / service operating> that target the customer can be smoothly composition without any problem by performing.

At this time, the D / B management module 112 controlled by the UFP purchase / operation guide server 101 is applied to the execution of the <UFP purchase / operation service> according to the computational events of the respective computer modules arranged in the system 100. Various necessary data are selectively stored in a required area of each of the D / Bs arranged in the data storage block 108, or, conversely, loading and outputting. In this case, the D / B management module 112 not only plays a role of storing and outputting various data, but also simultaneously plays an intelligent role of efficiently managing the data in the fastest time without overlapping.

Herein, the operation information D / B 111 controlled by the UFP purchase / operation guide server 101 may provide various operational information required for the execution of the <UFP purchase / operation service>, for example, various texts / to generate a service page. Stable storage management of customer registration information, registration information of FP management system server 11, system 100 resource status information, etc., including image / video / link / program information, various service page 200 setting information, etc. (Of course, each of the operational information listed above may be added / deleted or changed flexibly depending on the situation of the system).

In this case, the operation auxiliary module 104 controlled by the UFP number / operation guide server 101 communicates with the service page operation module 103, the operation information D / B 111, and the FP management server 11. In forming a relationship, various subsidiary procedures necessary for the implementation of the <FP restructuring providing service>, for example, a procedure for managing a system login process of a customer, the system 100 and other computer systems (eg, a client client 21), The procedure for establishing / maintaining a communication session between the FP management system server 11, etc.), the procedure for updating the visit history of the customer-side system 100, the procedure for updating the basic data in each D / B, and the like are variously performed.

Under such an implementation environment of the present invention, the UFP purchase / operation guide server 101 side, as described above, through the online network 31, the customer client 21, the FP management server server 11, and a series of signal connection relationship By systematically controlling each computer module under its own control, a series of <UFP design / providing procedures>, for example, <multiple purchase decision SFPs under one MFP, at the customer's discretion Guide the user to select the number of stocks, and to set the share of the purchase decision SFP according to his / her own judgment>, <The number of purchase decision details and the number of purchase decision SFPs set by the customer Based on the specific gravity details, a series of SFP number execution messages are generated, and the generated SFP number execution messages are sent to the FP system management server 11, whereby the holding ratio is increased. It will be in charge of the overall process of guiding the new type of UFP, which is distributed and composed of multiple different SFPs, to be bought and set under the customer's name.

Naturally, in the implementation environment of the present invention, as shown in FIG. 6, each FP management company employing the present invention has a wide variety of options for the customer C, unlike the prior art (see FIG. 2). Broadly distributed, with multiple SFPs whose holding weights are set differently (30%, 20%, 35%, 10%, 5%, etc., of course, these holdings are chosen autonomously by the customer). The process of buying and setting up a new type of UFP configured under the customer's name becomes more flexible, and finally, the customer who finally owns the UFP, without further action such as converting the SFP, In addition, the UFP itself, which has been purchased and set up, can manage the optimal asset value of its own FP (including UUF) while responding to the rapid changes in the social and economic environment.

Of course, the reason why such an effect can be provided is that the UFP to be finally bought and set up according to the present invention is <conventional UFP composed of only one SFP whose fixed share is fixed / set to 100% (i.e., the investment risk is concentrated)> In comparison, the customer's share of 30%, 20%, 35%, 10%, 5%, etc. are distributed and composed of a number of different SFPs (that is, investment risk is spread across multiple spectrum). It is because it has (see Fig. 6).

Perhaps as a matter of course, in the present invention, as described above, <a new type of SFP is distributed and composed of a plurality of differently set SFPs, each of which is capable of coping with social and economic changes without any further action. By designing / providing UFP>. Since it effectively excludes the <extreme environment in which all the specific SFPs are collectively changed to other SFPs designated by the customer>, under the implementation environment of the present invention, the social environment / economic environment is changed on the customer side differently from the situational awareness of the customer. As a result, even if the value of the SFP changes, it is possible to easily avoid various mental and material damages.

For example, as shown in FIG. 6, UFPs distributed and composed of a plurality of SFPs differently set to 30%, 20%, 35%, 10%, 5%, etc., are bought and sold under the customer's name. Under the set circumstances, even if the social environment / economic environment changes, and the value of <SFP with 35% of the holding ratio>, which is expected to increase, is lowered under the set situation, the customer side is 30%. , While remaining SFPs with 20%, 10%, and 5% holding ratios can stably preserve economic profits above an appropriate level, while minimizing the damage area to <SFPs with 35% holding ratio>. As a result, it is possible to easily avoid various mental and physical damages resulting from the results.

Furthermore, in the present invention, as described above, <a flexible management pattern for buying and setting a new type of UFP composed of a plurality of SFPs having different weights according to the customer's choice in the name of the corresponding customer> As a matter of fact, under the implementation environment of the present invention, the UFP portfolio has a holding ratio of 20%, for example, an SFP having a holding ratio of <30%, even with a very simple task of setting up the UFP without any effort on the part of the customer. SFPs, SFPs with a 35% holding weight, SFPs with a 10% holding weight, and SFPs with a 5% holding weight> can be easily obtained, resulting in an unexpected risk situation. In addition, it is possible to effectively block the unnecessary spread of the damage, and to minimize the damage of the self.

In this case, as shown in FIG. 7, the SFP number guide module 120 controlled by the UFP number guide / operation guide server 101 is provided via the customer client 21 and the UFP number guide frame 210 (FIGS. 9 and 9). 10) a procedure for presenting a list of candidate SFP candidates for purchase, a process for providing details of the target SFPs, a process for filtering SFPs determined by the customer, and a process for processing SFP purchase price related details. In addition, the process of receiving the detailed setting details of the SFPs determined by the customer and the process of outputting the SFP majority decision information will be conducted in general.

Of course, under the function of the SFP number guide module 120, the customer side while appropriately operating the UFP number guide frame 210 posted through the customer client 21, according to his judgment, <MFP> It is possible to freely adjust / set <a plurality of buy decision SFPs attached to the MFP>, <the holding ratio of a plurality of buy decision SFPs>, and the like.

Here, as shown in FIG. 8, the above-described SFP majority guide module 120 includes an SFP majority guide control unit 121 which collectively controls the overall SFP majority guide process, and the SFP majority guide guide 121. The UFP purchase guide frame management unit 123, the target SFP candidate list presenting unit 124, the purchase target SFP details providing unit 125, the purchase decision SFP filtering unit 126, SFP purchase price related control unit controlled by 127), the UFP detailed setting history acceptor 128, the SFP majority decision information outputting unit 130, and the like are closely combined.

At this time, the UFP number guide frame management unit 123 controlled by the SFP number guide control unit 121 communicates with the service page operation module 103, while at the customer side, the service page posted to the customer client 21. The operation information 200 in the data storage block 108 is manipulated via the D / B management module 112 when a series of UFP purchase / operation application events are generated from the client client 21 by operating the 200. / B (111), and flexibly extracted various service operation information stored therein, for example, various text / image / video / link / program information, various service page setting information for generating a UFP number guide frame After that, based on the extracted operation information, the UFP number guide frame 210 is generated as shown in FIGS. 9 and 10, and the generated UFP number guide frame 210 is generated by the client client. By performing the role of agent 21 selected transmission, post side, it is secondary to the underlying environment for the <UFP number / service operating> that target the customer can be smoothly composition without any problem.

In this situation, the purchase target SFP candidate list presenting unit 124 controlled by the SFP majority guide control unit 121 controls the UFP number / operation related information D according to a customer side event that computes the UFP number guide frame 210. / B 109 is accessed to obtain various SFP-related information (e.g., various FP-related product information, etc.) stored therein, and based on the acquired SFP-related information, < a number of SFP candidates to be bought. After the list> is generated, the generated SFP candidate list is provided to the customer through the UFP number guide frame 211.

Of course, under such a function of the purchase target SFP candidate list presenting unit 124 side, the client side can easily acquire / confirm <candidate information on what kind of SFP can he buy> without any difficulty (see FIG. 7). ).

In addition, the purchase target SFP detail information providing unit 125 controlled by the SFP number guide control unit 121, according to the customer-side event of computerized operation of the UFP number guide frame 210, UFP number / operation related information D / B 109 is accessed, and various SFP related information (for example, fund names, setting date information, setting amount information, fee information, management company information, etc.) of the various FPs is stored, and based on the acquired SFP related information, After generating detailed information on the SFP candidates that can be bought, the detailed information on the generated buy target SFP candidates is provided through the UFP purchase guide frame 212 to the customer.

Of course, under the function of the purchase target SFP details providing unit 125 side, the customer side << detailed information of the SFP that can be bought (for example, fund name, setting date information, setting amount information, fee information, manager information of the SFP) Etc.) can be easily obtained / confirmed without any difficulty (see FIG. 7).

In this way, in the situation where <list of SFP candidates to be bought>, <details of the target SFP candidates to be bought>, etc. are posted through the UFP buying guide frames 211 and 212, the customer wants to buy Many SFPs can be easily determined without difficulty.

In this situation, the UFP detailed setting history reception unit 128 controlled by the SFP majority guide control unit 121 communicates with the customer client 21 side via the information exchange unit 122, and the customer described above. After accepting the decision, the purchase decision SFP details (e.g., the fund name selected / selected by the customer, the MFP details specified / selected by the customer, and the multiple purchase decision SFP details attached to the MFP specified / selected by the customer) And a series of UFP purchase guide frames 214 for receiving the final designation>, and transmit / publish the generated UFP purchase guide frames 214 to the client client 21 side. In the end, correspondingly, from the client client 21, a series of purchase decision SFP details (e.g., the fund name designated / selected by the customer and the MFP designated / selected by the customer) prepared by the customer Station, so that the customer specified / selected number determining the number of sheets supplied to the MFP SFP history, the number of copies of each SFP history holding ratio is determined, and so on) can be output / transmitted.

In this way, when the <buy decision SFP details> is transmitted from the client client 21 side, the UFP detailed setting history reception unit 128 receives them, and then, for example, the fund name selected / selected by the customer from the received buy decision SFP details. Extracts the MFP details specified / selected by the customer, the number of purchase decision SFPs attached to the MFP specified / selected by the customer, and the weighting ratio of each determined SFP, and stores the extracted data in the processing buffer 129 It will play a role (see FIG. 7).

At this time, the SFP purchase price-related details processing unit 127 controlled by the SFP majority guide control unit 121 receives < Buy Determination SFP Details > by performing the above-described function of the UFP detailed setting history receiving unit 128. In the received situation, create a UFP purchase guide frame 213 for processing the SFP purchase price related details, and proceed with the procedure of transmitting / posting the generated UFP purchase guide frame 213 to the client client 21 side. In the end, correspondingly, a series of SFP purchase price-related details prepared by the customer from the client client 21, for example, <customer account information details>, <sold request FP details for purchase of the purchase decision SFP>, etc. This can be output / transmitted.

In this way, when the SFP purchase price-related information is transmitted from the client client 21 side, the SFP purchase price-related processing unit 127 receives this, and stores and manages the received SFP purchase price-related details in the processing buffer 129. It will play a role (see FIG. 7).

At this time, the purchase decision SFP filtering unit 126 controlled by the SFP majority guide control unit 121 approaches the processing buffer 129 in a situation where the purchase decision SFP details have been received by the UFP detailed setting history reception unit 128. In addition, the procedure of reading the purchase decision SFP history is performed, and the UFP purchase / operation related information storage D / B 109 is accessed, and the &quot; customer investment characteristic information &quot; Process of extracting investment propensity information).

In this way, when the <purchase decision SFP details> and <customer investment characteristic information> (for example, customer investment propensity information) is extracted / secured, the purchase selection SFP filtering unit 126 side compares the corresponding data, The process of filtering the justification of the purchase decision SFP details will proceed.

At this time, if the <investment characteristic information of the customer> the details of the purpose of <stable investment>, while the FP described in the purchase selection SFP is a product with a high risk level, the purchase selection SFP filtering unit 126 side Immediately, a series of warning messages are generated, and the generated warning messages are outputted and posted through the UFP purchase guide frame 210 (of course, the posting medium of these warning messages can be modified in various situations depending on the situation). According to the customer's investment characteristics, the guide will be able to easily re-adjust the purchase selection SFP details.

Through the various procedures described above, the fund name selected / selected by the customer, the MFP details specified / selected by the customer, the number of buy decision SFPs attached to the MFP specified / selected by the customer, and the number of copies of each SFP determined in the processing buffer 129 When the holding weight details, the SFP purchase price-related details, etc. are stored and secured, the SFP number determination information output unit 130 controlled by the SFP number guide control unit 121 communicates with the processing buffer 129, After extracting the respective data, the extracted data are collected to generate the SFP number determination information, and the generated SFP number determination information is output to the SFP number execution module 140.

In this way, the SFP majority purchase decision information reflecting the MFP details specified / selected by the customer, the number of purchase decision SFPs attached to the MFP specified / selected by the customer, the details of the holding ratio of each determined SFP, and the details of the purchase price of the SFP Once output / transmitted, the SFP majority number execution module 140 controlled by the UFP number / operation guide server 121 receives this, and generates a series of <SFP number number execution messages> based on the corresponding data. By transferring the generated <SFP number execution message> to the FP system management server 11 side, <UFP distributed / configured by multiple SFPs with different holding ratios> is bought and set under the name of the customer. To be induced (see FIG. 7).

Of course, under this procedure, as shown in FIG. 6, according to the <SFP majority execution message> transmitted from the SFP majority execution module 140 side at the FP management period server 11, By taking the flexibility to buy a number of differently set SFPs in the name of a customer, the number of SFPs with different customer numbers of 30%, 20%, 35%, 10%, 5%, etc. Distributed / configured UFP> (that is, distributed with multiple spectrum of investment risks) will be designed / provided under the name of the customer.

Under such a role, as shown in FIG. 11, the FP management system server 11 side communicates with the SFP majority execution module 140 to receive an SFP majority execution message (step S1). In accordance with the SFP Multi-Buy Execution Message, the procedure for selling and selling the FP requested for purchase by the SFP through the domestic and overseas distribution markets (steps S2) (step S2); After that, the procedure for determining the corresponding selling price as the SFP majority buying (step S3), or when the request for sale FP has not been sold yet, when the agreed repurchase date is reached with the customer, The procedure for determining the agreed contractual amount as the SFP majority purchase (step S3)>, <Procedure for receiving the thus determined SFP majority purchase (step S4)>, <Supplied SFP majority purchase, The procedure for buying multiple designated SFPs (but S5)>, etc., by sequentially distributing and constituting multiple SFPs (ie, 30%, 20%, 35%, 10%, 5%, etc.) UFP> will be designed / provided under the customer's name.

However, in this case, for example, between the progress of <the procedure for receiving the SFP majority purchase message (step S1)> and the progress of the <procedure for receiving the SFP majority purchase (step S4)>, for example, <sell request FP After the sale has been completed, the procedure for determining the sale price as the SFP majority purchase price (step S3), or when the sale request FP has not been sold yet, the date of the settlement date agreed with the customer has arrived. In this case, since the procedure (step S3)> for determining the contract amount agreed upon with the customer as the SFP majority purchase price is inevitably proceeded, the FP management period server 11 side proceeds with each procedure (steps S2 and S3). Until completion, the amount of partial conversion of FP was not secured, and the amount of time (of course, such delay time varies depending on the situation of FP management company, product characteristics of customer's FP, domestic and overseas distribution market, etc. Can achieve C) the waste is forced to, and is not forced to end, intact take the customer side, economic loss (e.g., such as loss of missing the UFP hold timing) thereof.

In such a sensitive situation, in the present invention, as shown in FIG. 4, an action of additionally deploying the SFP multiple purchase price early provision module 150 under the control system of the UFP purchase / operation guide server 101 is taken. Done.

In this case, the SFP majority purchase module 150 provides a series of communication relationships with the account management server 41, the SFP majority execution module 140, and the like, including the FP management period server 11. As shown in Fig. 12, &quot; a procedure for communicating with the SFP majority execution module 140 to receive an SFP majority execution message (step S11) > &gt;, &lt; the selling request FP by the FP management period server 11; Before the sale is completed through the domestic and overseas distribution markets (12, 13) (i.e., before the sale price of the FP to be sold is determined through the sale) (step S23), or the sale of the sale request FP In the absence of such a situation, prior to the date of the settlement date agreed upon with the customer (i.e., before the sale price of the selling request FP is determined by the arrangement with the customer) (step S23), the corresponding selling request FP as collateral to calculate loans and account for calculated loans After allocating and setting the customer storage data in the data storage area of the server 41 (steps S12 and S13), the SFP purchase request message (for example, a plurality of SFPs shown in FIG. A process of transmitting a request message for purchase through the expenditure of the loan) to the FP management period server 11 side>, and the like.

Of course, in this situation, when the FP management period server 11 side that receives the SFP purchase request message (for example, a request message to purchase the plurality of SFPs shown in FIG. In (step S22), it is possible to flexibly spend the above-described loans as a majority purchase price for buying a large number of SFPs.

As described above, in the present invention, even though it is before the selling price of the selling request FP is determined, the loan is calculated using the selling request FP as collateral, and the calculated loan is stored in the data storage area of the account management server 41. After allocating and setting in the customer's name (steps S12 and S13), an SFP purchase request message reflecting the dividend and setting details of the loan (for example, a request message to purchase a plurality of SFPs shown in FIG. 6 through the expenditure of the loan) In the implementation environment of the present invention, before the selling price of the selling request FP is determined, under the implementation environment of the present invention, a series of SFP multiple buying amounts are determined. Can be secured early in the form of loans, and finally, by utilizing the mortgage loan properly, it is easy to avoid the problems caused by the delayed supply and demand of the SFP majority. As a result, the customer can easily avoid the loss of missing the UFP retention timing.

Subsequently, the SFP multiple purchase price early provision module 150 communicates with the SFP multiple purchase price related information D / B 110 via the D / B management module 112 to provide information related to the SFP majority purchase price ( For example, by passing the mortgage execution details, etc.) to the corresponding D / B 110 side, the <information related to the SFP majority purchase amount> can be stably stored and managed within the SFP majority purchase amount related information D / B 110. To induce it.

On the other hand, as shown in FIG. 13, when the <sell request FP> is sold by the FP management server 11, and correspondingly, <multiple SFPs> are bought, the currency of each FP is If the yen and the dollar is different, the FP system management server 11 is often forced to face the difficulty of matching the currency between the FP through a series of exchange procedures.

In such a sensitive situation, as shown in FIG. 4, the present invention takes measures to additionally arrange the SFP multiple currency exchange module 160 under the control system of the UFP purchase / operation guide server 101. .

In this case, as shown in FIG. 13, the SFP multiple purchase price exchange module 160 first takes a contact relationship with the FP system management server 11, acquires a series of exchange rate information, and then, based on this, the sell request. The procedure of comparing the currency exchange rates between the FP and the SFP corresponding to the sell request FP is performed.

In this way, when the currency exchange rate between the selling request FP and the SFP corresponding to the selling request FP is completed, the SFP multiple purchase exchange module 160 proceeds with a series of exchange routines, corresponding to the selling request FP. The procedure for converting and calculating the price (for example, the yen in currency) into a currency (for example, dollars) corresponding to the SFP is performed.

Of course, in the implementation environment of the present invention, the SFP majority purchase exchange module 160 side, for example, the currency corresponding to the request for sale FP (for example, yen yen) without complicated exchange procedures such as <yen → won → dollar> The exchange time is directly converted into a currency corresponding to the SFP (for example, dollars), so that the overall exchange time can be greatly reduced.

In this way, when the price corresponding to the request for sale FP (for example, the currency in yen) is directly exchanged and calculated in the currency corresponding to the SFP (for example, dollars), the SFP majority purchase currency exchange module 160 performs a serial conversion. After proceeding with the data generation routine of the to generate a series of exchange information, the procedure of transmitting the generated exchange information to the FP management server 11.

Of course, under the implementation environment of the present invention, the FP management server server 11 receiving a series of exchange information, even if the currencies of the two FPs (ie, the selling request FP and SFP) in different difficulties in yen and dollars By using the exchange information as basic information, the request for sale FP can be sold and a number of SFPs can be bought without any burden, and the customer side can easily avoid the loss of missing the timing of holding the UFP.

On the other hand, even under such an implementation environment of the present invention, the customer is often faced with a situation in which the UFP shown in FIG. 6 needs to be newly converted according to the rapid change of the social environment / economic environment.

In this sensitive situation, as shown in FIG. 14, the present invention takes measures to further arrange the SFP partial conversion operation module 170 under the control system of the UFP purchase / operation guide server 101.

In this case, as shown in FIG. 15, the SFP partial conversion operation module 170 manages / operates the SFP partial conversion guide frame 250 through the client client and transmits the same through the SFP partial conversion guide frame 250. <SFP partial conversion details (e.g., customer ID information, specific SFP information to be performed for conversion, other SFP information to be acquired after conversion, etc.) according to the data of the client client 21 to be processed>, < The SFP partial conversion execution message is generated based on the received SFP partial conversion details, and the generated SFP partial conversion execution message is transmitted to the FP management system server 11 to select the SFP partial conversion execution message. It will play a role of managing the process of inducing a part of a specific SFP to be converted to another SFP in accordance with the FP partial conversion execution message.

Of course, under the implementation environment of the present invention, as shown in FIG. 16, according to the SFP partial conversion execution message transmitted from the SFP partial conversion operation module 170 side in the FP management system server 11 side, the <customer owned UFP In addition to changing the contractual relationship of the SFP, a part of a specific SFP (for example, SFP (L)) selected by a customer (for example, SFP (L1)) among a plurality of SFPs constituting the UFP is sold. For example, the purchase of SFP (M1)) to convert only a part of a specific SFP (eg, SFP (L)) (for example, SFP (L1)) into SFP (M1) (that is, the share of the corresponding SFPs). To convert them into 30% → 20%, 35% → 45%, etc.). Finally, on the client side, the UFP was held in accordance with the rapid change in the social and economic environment. New conversion / design is possible.

At this time, as described above, in the present invention, the <partial / partial conversion processing of the customer-side SFP is realized> to effectively realize the <extreme environment in which all of the specific SFPs are collectively changed to another SFP designated by the customer>. Because of the exclusion, under another implementation environment of the present invention, the customer (C) side changes their social environment / economic environment differently from their own situational awareness, and accordingly, even if the value of the SFP changes, It is easy to avoid various mental and material damages resulting from incorrect extreme choices.

For example, as shown in FIG. 16, since the present invention takes measures to convert only a part of a specific SFP (for example, SFP (L)) (for example, SFP (L1)) to SFP (M1), If the customer C partially changes only the SFP L1, which is a part of the SFP L, to the SFP M1, the social environment / economic environment changes according to the customer's judgment, Even if the value of SFP (L) expected to be lower becomes higher than the value of SFL (M), the corresponding customer (C) can minimize the damage area to only SFP (L1) which is part of SFP (L). Various mental and physical damages can be easily avoided.

On the other hand, under the function of the SFP partial conversion operation module 170 as described above, as shown in Figure 17, the FP management system server 11 side communicates with the <SFP partial conversion operation module 170, SFP A procedure for receiving a partial conversion execution message (step S31)>, <a procedure of selling and selling the SFP L1 through domestic and overseas distribution markets 12 and 13 according to the SFP partial conversion execution message (step S32)>, <After the sale of the SFP (L1) is completed, the procedure for determining the corresponding selling price as the partial conversion price of the SFP (M1) (or step S33), or in a situation where the sale of the SFP (L1) has not been made yet, When the agreed repurchase date is reached, the procedure for determining the contracted amount of the contract with the customer as the partial conversion price of the SFP (M1) (step S33)>, <Receive the partial conversion price of the SFP (M1) determined as such Procedure (step S34)>, < spending partial conversion cost of the supplied SFP M1, By sequentially proceeding the procedure for purchasing the FP M1 (step S35), etc., a step of partially converting only the SFP L1, which is a part of the SFP L, into the SFP M1 is taken.

However, in this case, for example, between the progress of the procedure of accepting the SFP partial conversion execution message (step S31) and the progress of the procedure of receiving the partial conversion price of the SFP (M1) (step S34), for example, <After completing the sale of the SFP (L1), the procedure for determining the corresponding selling price as the partial conversion price of the SFP (M1) (or step S33), or in a situation in which the sale of the SFP (L1) has not been completed, If the agreed repurchase date is reached, the procedure for determining the contract amount with the customer as the partial conversion price of the SFP (M1) (step S33)> and the like is inevitably performed, so that the FP management period server ( 11) The party did not secure the partial conversion price of the SFP (M1) until the completion of each procedure (steps S22 and S23), and for some time (of course, such delay time is based on the situation of the FP management company and the customer Various changes depending on product characteristics of domestic FP and domestic and overseas distribution market The can be achieved) to forced to waste and, in the end, the customer side is forced to take the intact economic loss (e.g., such as loss of missing the UFP conversion timing) thereof.

In this sensitive situation, in the present invention, as shown in FIG. 14, an action of additionally arranging the SFP partial conversion payment early provision module 171 under the control system of the UFP purchase / operation guide server 101 may be taken. do.

In this case, the SFP partial conversion price early provision module 171 forms a series of communication relationships with the account management server 41, the SFP partial conversion operation module 170, and the like, including the FP management period server 11. As shown in 18, &quot; a procedure for communicating with the SFP partial conversion execution module 170 and accepting an SFP partial conversion execution message (step S41) > &gt; ) Before the sale is completed through the domestic and overseas distribution markets (12, 13) (i.e., the selling price of the SFP (L1) is determined through the sale) (step S53), or the SFP (L1) In the event that the sale has not been made yet, before the date of settlement of the repurchase agreement with the customer has arrived (that is, before the sale of SFP L1 is determined by the agreement with the customer) (step S53). , The loan is calculated using the SFP (L1) as collateral, and the calculated loan amount is stored in the data storage area of the account management server 41. After the dividend and setting in the customer's name (steps S42 and S43), the SFP (M1) purchase request message (for example, SFP (M1) shown in FIG. Procedure of transmitting a request message to buy) to the FP management period server 11 side>, and the like.

Of course, in this situation, the SFP (M1) on the FP management system server 11 side that receives the SFP (M1) purchase request message (for example, a request message to purchase the SFP (M1) shown in Figure 16 through the expenditure of the loan) At the point of purchase (step S52), the above-described loan can be flexibly spent as a purchase price for purchasing the SFP M1.

As described above, in the present invention, even when the selling price of the SFP (L1) is before the determination of the selling price, the loan is calculated using the SFP (L1) as collateral, and the calculated loan amount is stored in the data of the account management server 41. After allotment and setting is made in the customer's name (steps S42 and S43), the SFP (M1) purchase request message (for example, SFP (M1) shown in FIG. Since the process of transmitting the request message to the FP management system server 11 side is carried out, under the implementation environment of the present invention, the FP system management server 11 side before the selling price of the SFP (L1) is determined. As a result, a series of SFP (M1) partial conversion payments can be secured early in the form of loans. Finally, by utilizing the security loans properly, the problems caused by the delayed supply and demand of the SFP partial conversion loans can be easily avoided. , As a result, on the customer side, losses such as missed UFP conversion timing can be easily avoided.

Subsequently, the SFP partial conversion price early provision module 171 side communicates with the SFP partial conversion price related information D / B 174 via the D / B management module 112 to provide information related to the SFP majority purchase price ( For example, by transferring the security loan execution history, etc.) to the corresponding D / B 174 side, the <information related to the SFP partial conversion price> can be stably stored and managed in the SFP partial conversion price related information D / B 174. To induce it.

On the other hand, as shown in FIG. 19, when the SFP (L1) is sold by the FP management server 11, and the SFP (M1) is bought (that is, the SFP (L1) is part of the SFP (M1) At the time of conversion), if the currency of each SFP is different in yen and dollar, the FP system management server 11 will often face difficulties in matching currency between the SFPs through a series of exchange procedures. .

In such a sensitive situation, as shown in FIG. 14, the present invention takes measures to further arrange the SFP partial conversion money exchange module 172 under the control system of the UFP purchase / operation guide server 101. .

In this case, as shown in FIG. 19, the SFP partial conversion price exchange module 172 first establishes a communication relationship with the FP system management server 11, acquires a series of exchange rate information, and then based on this, the SFP ( The procedure of comparing the currency exchange rate between L1) and SFP (M1) is performed.

In this way, when the currency exchange rate between the SFP (L1) and the SFP (M1) is compared with each other, the SFP partial conversion money exchange module 172 proceeds a series of exchange routines, the price corresponding to the SFP (L1) ( For example, a procedure of directly converting and calculating the currency of the yen into a currency (for example, dollars) corresponding to the SFP M1 is performed.

Of course, in the implementation environment of the present invention, on the SFP partial conversion price exchange module 172 side, for example, the price corresponding to the SFP (L1) without a complicated exchange procedure such as <yen → won → dollar>, for example, yen Since the currency of the currency is directly exchanged and calculated in a currency (for example, dollars) corresponding to the SFP (M1), the overall exchange time can be greatly reduced.

In this way, when the price corresponding to the SFP (L1) (for example, the currency in yen) is directly exchanged and calculated in the currency (for example, the dollar) corresponding to the SFP (M1), the SFP partial conversion money exchange module ( In step 172, a series of data generation routines are performed to generate a series of exchange information, and then the generated exchange information is transmitted to the FP management server 11.

Of course, in the implementation environment of the present invention, if the FP management server system 11 received a series of exchange information, even if the currencies of the SFP (L1) and SFP (M1) are in different difficulties in yen and dollar, It is possible to sell the SFP (L1) and buy the SFP (M1) while using the corresponding currency exchange information as basic information without any burden, and eventually, the customer side can easily avoid the loss of missing the UFP conversion timing.

On the other hand, as shown in FIG. 14, under the control system of the UFP purchase / operation guide server of the present invention, in addition to the above-described various computer modules, the SFP splitting module 173 is newly added.

In this case, as shown in FIG. 20, the SFP splitting module 173 side which is newly added in the system 100 communicates with the FP management system server 11 side, and purchases and sets the UFP details set in the customer name ( 6), a part or all of each SFP constituting the received UFP is divided into a plurality of unit SFPs (for example, SFP1, SFP2, SFP3, SFP4, etc.), and the divided unit SFP related information is divided into FPs. And to store and manage the management system server 11 or the operation information D / B 311 (in the following description, the divided unit SFP related information is stored and managed by the FP management system server 11 side). Assume).

Of course, under the function of the SFP splitting module 173 side, as shown in FIG. 21, for example, one contract of 100 million won worth of forward exchanges (ie, SFP) held by a specific customer is equivalent to 10 contracts of 10 million won worth of exchanges of 10 million won ( That is, after being divided into ten unit SFPs, the storage management is performed by the FP management server 11 side.

As described above, in another embodiment of the present invention, when the <environment in which the SFP held by the customer is divided into unit SFPs (SFP1, SFP2, SFP3, SFP4, etc.) is newly formed, unlike the previous case, the system 100 Even if the customer's SFP is an SFP that cannot be terminated or partially changed due to its characteristics (e.g., a forward exchange contract, which is a kind of Off Shore fund), the unit SFP (SFP1, SFP2, SFP3, SFP4, etc.) For a part, the above-described partial conversion procedure can be performed without any problem.

That is, as shown in FIG. 22, even if the SFP (L) held by the customer is a part of the contract which is impossible to cancel or partially change the contract, the SFP (L) is performed by performing the function of the SFP splitting module 173. When a new environment is divided into unit SFPs such as L1 and L2, the SFP partial conversion operation module 170 generates an SFP partial conversion execution message based on the <SFP partial conversion details, and generates the generated SFP partial conversion execution message. Is transmitted to the FP management system server 11, so that among the plurality of SFPs constituting the UFP, a part (L1, L2) of the SFP (L) selected by the customer is different from the SFP partial conversion execution message, that is, N1. , The process of inducing the partial / conversion process to N2> can be performed normally.

Of course, even in the implementation environment of the present invention, the FP management server server 11 side changes the contract relationship of the customer-owned UFP according to the SFP partial conversion execution message transmitted from the SFP partial conversion operation module 170. In addition, among the plurality of SFPs constituting the UFP, SFP (L1) and SFP (L2), which are part of the SFP (L)) selected by the customer, are sold, and SFP (N1) and SPF (N2) are bought, (L)) Partial conversion of only SFP (L1) and SFP (L2) into SFP (N1) and SPF (N2) (i.e. 30% → 20%, 20% → 30%, etc.), and finally, customers will be able to convert / design their own UFP according to the rapid change of social and economic environment.

This invention has an overall useful effect in various kinds of computer systems dealing with financial products.

And, in the foregoing, specific embodiments of the present invention have been described and illustrated, but it is obvious that the present invention may be variously modified and implemented by those skilled in the art.

Such modified embodiments should not be understood individually from the technical spirit or point of view of the present invention and such modified embodiments should fall within the scope of the appended claims of the present invention.

1 is an exemplary diagram conceptually showing the investment / distribution process of the customer-side FP according to the prior art.

2 and 3 is an exemplary diagram conceptually showing a UFP design / operation procedure according to the prior art.

Figure 4 is an exemplary diagram conceptually showing a UFP purchase / operation guide system according to the present invention.

5 is an exemplary diagram conceptually showing a publication state of a service page according to the present invention.

6 conceptually illustrates a UFP designed in accordance with the present invention.

Figure 7 is an exemplary diagram conceptually showing the functional procedure of the SFP multiple number guide module according to the present invention.

8 is an exemplary diagram conceptually showing a detailed configuration of the SFP multiple number guide module according to the present invention.

9 and 10 are conceptual diagrams conceptually showing a publication state of the UFP number guide frame according to the present invention.

11 and 17 are conceptual diagrams conceptually showing a function performing procedure of the FP system management server according to the present invention.

12 is an exemplary diagram conceptually showing a function performing procedure of the SFP multiple purchase price early provision module according to the present invention.

Figure 13 is an exemplary diagram conceptually showing a function performing procedure of the SFP multiple purchase price exchange module according to the present invention.

14 is an exemplary diagram conceptually showing a detailed configuration of a UFP purchase / operation guide system according to another embodiment of the present invention.

15 is an exemplary diagram conceptually illustrating a function performing procedure of the SFP partial conversion operation module according to another embodiment of the present invention.

FIG. 16 conceptually illustrates a UFP partially transformed design according to another embodiment of the present invention. FIG.

18 is an exemplary diagram conceptually illustrating a functional performance procedure of the SFP partial conversion price early provision module according to another embodiment of the present invention.

19 is an exemplary diagram conceptually showing a functional procedure of the SFP partial conversion money exchange module according to another embodiment of the present invention.

20 and 21 are exemplary diagrams conceptually showing a function performing procedure of the SFP splitting module according to another embodiment of the present invention.

FIG. 22 conceptually illustrates a UFP partially transformed design according to another embodiment of the present invention. FIG.

Claims (9)

Based on the data transmitted from the client's client side, the parent financial instrument (MFP: Mother) communicates with the FP management server, which computerizes and manages the financial products of the clients invested in domestic and overseas distribution markets. A UFP purchase / operation guide server which collectively controls the design and provision of Umbrella type Financial Products (UFP) consisting of Financial Products (SFP) and Son Financial Products (SFP); The number of purchase decision SFPs attached to the MFP and the MFP, at the customer's discretion, controlled and controlled by the UFP purchase / operation guide server and publish / operate a UFP purchase guide frame through the customer client. And, SFP plural number guide module for guiding each of the holding ratio of the plural number of decision-making SFP to be set via the UFP number guide frame, respectively; The SFP majority purchase message controlled by the UFP number / operation guide server and based on the received data of the SFP majority purchase decision received by the SFP majority guide module and the holding ratio of each SFP, and received data SFP multiplier execution to generate and send a generated SFP multiplicity execution message to the FP system management server side, so that UFPs distributed and configured as a plurality of SFPs having different holding ratios are bought and set under the corresponding customer name. UFP purchase / operation guide system comprising a module. The apparatus of claim 1, wherein the SFP number guide module comprises: an SFP number guide control unit configured to collectively control the overall SFP number guide procedure; A purchase target SFP candidate list presenting unit, controlled by the SFP majority guide control unit, for presenting a plurality of candidate SFP candidate lists to a customer through the UFP purchase guide frame; The MFP details selected by the customer and the number of sheets attached to the MFP are controlled by the SFP multiple guide guide control unit, and the plurality of SFP candidate lists are presented to the customer. A UFP detail setting history receiving unit which receives and processes the determined SFP details and the holding weight details of the plurality of buy decision SFPs; Controlled by the SFP number guide control unit, based on the data received and processed by the UFP detailed set history receiving unit, generates SFP number decision information, and the generated SFP number decision information to the SFP number execution module side UFP sheet / operating guide system, characterized in that it comprises a SFP number of sheets determination information output unit for outputting. According to claim 2, The SFP number guide module is controlled by the SFP number guide guide control unit, the purchase decision SFP details are received in advance in the situation that the purchase decision SFP details are received by the UFP detailed set history reception unit And a purchase decision SFP filtering unit for filtering the validity of the purchase decision SFP details in comparison with the set investment characteristic of the customer, and outputting / posting a predetermined warning message through the UFP purchase guide frame according to the filtering result. UFP purchase / operation guide system, characterized in that. The method of claim 1, wherein the <sell is controlled by the UFP buy / operation guide server and before the sell price for the sell request FP requested to sell by the customer for the purchase of the buy decision SFP is determined. Requesting FP>, the loan is calculated, the calculated loan is allocated and set in the client's name, and then the dividend and setting of the loan is transferred to the FP management server, and distributed to the plurality of SFPs. And at the point where the configured UFP is bought and set under the name of the customer, further comprising an SFP majority purchase module for inducing the loan to be spent on the SFP majority purchase price for buying the plurality of SFPs. UFP purchase / operation guide system. The method according to claim 1, wherein the exchange rate is controlled by the UFP purchase / operation guide server and compares the currency exchange rate with each other for the <sell request FP> and the buy decision SFP requested to be sold by a customer to buy the buy decision SFP. By converting and calculating the selling price corresponding to the <Sell Request FP> to a currency corresponding to the buying decision SFP, and transmitting the exchange information to the FP management period server side to distribute and configure the plurality of SFPs. At the point where the UFP is purchased and set under the name of the customer, the UFP further comprises a SFP multiple purchase price exchange module for inducing the exchange information to be used as basic information to buy the plurality of SFPs Buy / Operate Guide System. The method according to claim 1, further controlled by the UFP purchase / operation guide server, which communicates with the client client to receive SFP partial conversion application data related to partial conversion processing of the SFP constituting the UFP, A SFP partial conversion execution message is generated based on the received SFP partial conversion application data, and the generated SFP partial conversion execution message is transmitted to the FP management server, and the selected SFP partial conversion execution message is selected by a customer. UFP numbering / operating guide system, characterized in that it further comprises an SFP partial conversion operation module for a part of the SFP is converted to the other SFP in accordance with the FP partial conversion execution message. The method according to claim 6, wherein the partial conversion price for the <part of the specific SFP> controlled by the UFP purchase / operation guide server and requested to be sold by the customer for the conversion and purchase of the other SFP is determined. Using the <part of the specific SP> as collateral, the loan is calculated, the calculated loan is allocated and set in the client's name, and then the dividend and setting details of the loan are transferred to the FP management period server side, and the UFP Among the plurality of SFPs constituting the SFP, a portion of the specific SFP selected by the customer is partially and converted to the other SFP, so that the loan can be spent as a partial conversion price for converting and buying the other SFP. UFP purchase / operation guide system, characterized in that it further comprises an SFP partial conversion price early providing module. 7. The currency exchange rate of claim 6, which is controlled by the UFP purchase / operation guide server and which is requested to be sold by a customer for the conversion / purchase of the other SFP and the other SFP, is used. In comparison, a portion of the partial conversion price corresponding to the <part of the specific SFP> can be directly exchanged and calculated in a currency corresponding to the other SFP, and the corresponding exchange information is transmitted to the FP management server. SFP partial conversion price that induces the exchange information to be used as basic information for converting and buying the other SFP at a time when a part of a specific SFP selected by the customer is partially converted into the other SFP. UFP purchase / operation guide system, characterized in that it further comprises a currency exchange module. The part of each SFP constituting the received UFP according to claim 1, which is controlled by the UFP purchase / operation guide server, communicates with the FP management period server, receives the purchase / set UFP details in the customer name, and then configures the received UFP. Or dividing all into a plurality of unit SFPs, and further comprising an SFP splitting module configured to store and manage the divided unit SFP related information.

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