KR20120132453A - Processing method for financial products admission and financial server for the same - Google Patents

Abstract

PURPOSE: A method for processing financial instruments purchasing and a financial server performing this is provided for customers to easily choose a financial instrument providing the best final interest rate at each financial institution. CONSTITUTION: A subscription period selector(111) receives subscription period information from a customer terminal. A financial instrument selector(112) produces financial instrument list by arranging multiple financial instruments. A customer information loading unit(115) acquires financial information including a second financial instrument of the client. An interest rate calculator(114) produces a first additional interest rate after joining the second financial instrument. [Reference numerals] (111) Subscription period selector; (112) Financial instrument selector; (113) Financial instrument information storage unit; (114) Interest rate calculator; (115) Customer information loading unit; (116) Cross instrument deriving unit; (117) Financial instrument subscription unit; (118) Customer information uploading unit; (121) Consultation-connection requesting unit; (122) Consultation response receiving unit; (123) Screen generating unit; (AA) First user screen; (BB) Second user screen

Description

PROCESSING METHOD FOR FINANCIAL PRODUCTS ADMISSION AND FINANCIAL SERVER FOR THE SAME}

The present invention relates to a financial product subscription processing method and a financial server for performing the same. More particularly, the present invention relates to a financial product subscription processing method for providing a convenience in the process of the customer subscribes to the financial product and a financial server for performing the same.

In general, it is advantageous for customers to use one financial institution to become an excellent customer of the financial institution, rather than using multiple financial institutions. This is because a financial institution evaluates the creditworthiness of the customer according to the period in which the customer has dealt with the financial institution, the type and amount of the financial products the customer subscribes to, and provides interest rate benefits such as savings, deposits, and loans according to the customer's creditworthiness. .

In addition, financial institutions provide interest rate benefits for new financial products that customers want to subscribe to, depending on the financial products or financial services they subscribe to. For example, if a customer who opens a payroll account at a financial institution wants to sign up for a savings product at the financial institution, the financial institution may provide interest rates by applying an additional interest rate to the customer.

The conditions for providing additional interest rates may be different for similar categories of financial instruments operated by one financial institution (for example, various types of holding instruments). For example, one deposit may provide a 0.1% additional interest rate to a payroll customer, while the other may provide a 0.3% additional interest rate to a customer who is subscribed to a certain amount of deposit at the financial institution. Can be.

Generally, a customer chooses a financial instrument with a high base rate when he or she wants to join a deposit or deposit. However, the customer may have more interest rate benefits if he selects a financial instrument with a higher additional interest rate in consideration of financial instruments that are affiliated with the financial institution. For example, one redemption product has a base rate of 3.2% and no additional interest rate, resulting in a final interest rate of 3.2%, while the other redemption product has a basic interest rate of 3.1% but an additional interest rate of 0.3%. 3.4%. In this case, the customer would naturally choose a savings product with a final interest rate of 3.4%.

However, the customer compares the basic interest rates of multiple savings products, identifies the conditions under which the additional interest rates of multiple savings products are provided, and identifies the types of financial products that he or she is affiliated with. It is very cumbersome to see how much of the final interest rate, combined with the additional rate and the base rate, is.

The technical problem to be solved by the present invention is to provide a financial product subscription processing method that provides a convenience in the process of the customer to join the financial product and a financial server performing the same.

In a method of processing a financial product subscription by a financial server according to an embodiment of the present invention, receiving subscription period information from a customer terminal of a customer who uses a financial institution that operates the financial server, and a plurality of corresponding subscription period information may be provided. Generating a financial product list by arranging the financial products in order of interest rates, and if a first financial product is selected from the financial product list, the customer's finance including a second financial product subscribed to the financial institution; Acquiring information, when the second financial product corresponds to at least one of a plurality of cross-products linked to the first financial product, calculating a first additional interest rate according to the subscription of the second financial product; Calculating a final interest rate of the first financial instrument by adding the first additional interest rate to a basic interest rate of the first financial instrument; Generating a user screen including a plurality of calculated cross products and a final interest rate of the first financial product, and if the first financial product subscription request information is received from the customer terminal, performing the subscription processing of the first financial product; Performing the steps.

After generating the user screen, receiving the cross product subscription request message from the customer terminal, and performing cross-subscription subscription processing corresponding to the cross product subscription request message among the cross products. have.

When the subscription processing of the cross product is performed, including the uploaded cross product including the subscribed cross product in the financial information of the customer, calculating a second additional interest rate according to the cross processed product, and calculating the first finance. The method may further include recalculating a final interest rate of the first financial product by adding the first additional interest rate and the second additional interest rate to a basic interest rate of a product.

Receiving a first consultation connection request message after receiving the cross product subscription request message from the customer terminal, and transmitting a second consultation connection request message to an employee terminal according to the first consultation connection request message. It may include.

The first consultation connection request message and the second consultation connection request message may include a telephone number of the customer.

Receiving a consultation response message corresponding to the second consultation connection request message from the employee terminal, generating a dual user screen including a first user screen and a second user screen linked to the first user screen; And transmitting the first user screen to the customer terminal, and transmitting the second user screen to the employee terminal.

The cross product subscription request message may include a telephone number of the customer.

The cross-subscription subscription processing may include transmitting a text message including URL (uniform resource locator) information to the telephone of the customer, and accessing a financial service application through the telephone of the client connected through the URL. It may include the step of transmitting.

According to another aspect of the present invention, a financial server includes a subscription period selecting unit that receives subscription period information from a customer terminal of a customer who uses a financial institution, and arranges a plurality of financial products corresponding to the subscription period information in an interest rate order. A financial product selection unit for generating a list, a customer information loading unit for acquiring financial information of the customer including a second financial product the customer subscribes to the financial institution, and linked to the first financial product selected from the financial product list If the second financial product corresponds to at least one of the plurality of cross-products, the first additional interest rate according to the subscription of the second financial product is calculated, and the first additional interest rate is the basic interest rate of the first financial product. An interest rate calculating unit for calculating a final interest rate of the first financial product by summing, and a cross for deriving a plurality of cross-products linked to the first financial product; A screen generation unit for generating a user screen including a product derivation unit, a final rate of the cross product and the first financial product, and the first financial product subscription request information from the customer terminal; It includes a financial product subscription unit that performs the subscription processing of.

When the financial product subscription unit receives the cross product subscription request message from the customer terminal, the financial product subscription unit may perform cross product subscription processing corresponding to the cross product subscription request message among the cross products.

And a customer information uploading unit including the subscribed cross product in the financial information of the customer, wherein the interest rate calculating unit calculates a second additional interest rate according to the subscribed cross product and bases the first financial product. The first additional interest rate and the second additional interest rate may be added to interest rates to recalculate the final interest rate of the first financial instrument.

The apparatus may further include a consultation connection request unit configured to receive a first consultation connection request message from the customer terminal and transmit a second consultation connection request message to the employee terminal according to the first consultation connection request message.

And a counseling response receiver configured to receive a counseling response message corresponding to the second counseling connection request message from the employee terminal, wherein the screen generation unit is configured to display a first user screen and a second user screen linked to the first user screen. A dual user screen may be generated, the first user screen may be transmitted to the customer terminal, and the second user screen may be transmitted to the employee terminal.

The cross product subscription request message includes a telephone number of the customer, and the financial product subscription unit transmits a text message including URL information to the telephone of the customer, and provides a financial service to the telephone of the client connected through the URL. You can send the application.

Considering the financial instruments in which the customer is affiliated with the financial institution, the client does not have to check the final rate of the combined additional interest rate and basic interest rate for each of the savings instruments, and the financial instrument that provides the best final interest rate to the financial institution. Can be easily selected.

1 is a block diagram illustrating a financial server according to an embodiment of the present invention.
2 is a flowchart illustrating a financial product subscription processing method of a financial server according to an embodiment of the present invention.
3 is a user screen for inputting a subscription period according to an embodiment of the present invention.
4 is a user screen showing a financial product list according to a subscription period according to an embodiment of the present invention.
5 is a user screen showing the final interest rate and cross-product of the financial product according to an embodiment of the present invention.
6 is a user screen for counseling connection request according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may be embodied in many different forms and is not limited to the embodiments described herein.

In addition, in the various embodiments, components having the same configuration are represented by the same reference symbols in the first embodiment. In the other embodiments, only components different from those in the first embodiment will be described .

In order to clearly illustrate the present invention, parts not related to the description are omitted, and the same or similar components are denoted by the same reference numerals throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

1 is a block diagram illustrating a financial server according to an embodiment of the present invention.

Referring to FIG. 1, the financial server 100 includes a financial product management unit 110 and a user support unit 120. The financial product management unit 110 presents a basic interest rate and additional interest rate for each financial product to a customer who wants to join the financial product so that the customer can select and join a financial product that provides the best final interest rate to him. The user support unit 120 provides a user screen to the customer terminal connected to the financial server 100, and provides the same user screen to the customer terminal and the employee terminal in accordance with the customer's consultation connection request, the employee of the financial institution is the customer's finance Help you sign up.

The financial products the customer wants to subscribe to have a certain subscription period, which can be savings, deposits, loans, etc. The types of financial products are not limited.

Financial product management unit 110 subscription period selection unit 111, financial product selection unit 112, financial product information storage unit 113, interest rate calculation unit 114, customer information loading unit 115, cross-product derivation The unit 116, the financial product subscription unit 117 and the customer information upload unit 118. The user support unit 120 includes a consultation connection request unit 121, a consultation response receiver 122, and a screen generator 123.

The subscription period selector 111 provides a user screen for inputting a subscription period to a customer terminal of a customer who uses a financial institution through the screen generator 123. The customer terminal may be a personal computer (PC), a smart phone, or the like having a wired or wireless communication function. When the customer inputs subscription period information through the customer terminal, the subscription period selecting unit 111 receives subscription period information from the customer terminal.

If the financial product is a savings product, the customer may input the monthly payment amount together with the subscription period through the user screen, and the subscription period selecting unit 111 may receive the monthly payment information together with the subscription period information. have. If the financial product is a deposit product, the customer may input the initial subscription amount together with the subscription period through the user screen, and the subscription period selector 111 may receive the initial subscription amount information together with the subscription period information. Can be.

The financial product information storage unit 113 stores information on all financial products operated by financial institutions and available for subscription online. Information on financial instruments may include basic interest rates, peak interest rates, and additional interest rate conditions for each financial instrument. The additional interest rate condition includes a plurality of cross-linked instruments linked to each financial instrument. For example, a second financial product may be linked as a cross product of the first financial product. If the customer is subscribed to the second financial product, an additional interest rate may be provided at the time of joining the first financial product.

The financial product selector 112 searches the financial products corresponding to the subscription period information in the financial product information storage unit 113 and generates a financial product list by arranging a plurality of financial products corresponding to the subscription period information in the order of interest rates. do. In this case, the financial product selector 112 may generate a list of financial products by sorting the plurality of financial products corresponding to the subscription period information in the order of the highest base rate or in the order of the highest interest rate. The financial product selector 112 may provide a user screen indicating a list of financial products to the customer terminal through the screen generator 123.

The customer can check the basic interest rate, the highest interest rate, and the additional interest rate of each financial instrument included in the financial instrument list on the user screen. The customer may select one or more financial instruments from among a plurality of financial instruments included in the financial instrument list.

The customer information loading unit 115 obtains customer's financial information about another financial product or financial service that the customer subscribes to a financial institution from the financial DB. The financial DB stores personal information including the name, social security number, address, etc. of the customer who is doing business with the financial institution, and financial information including various financial accounts opened by the customer at the financial institution.

The interest rate calculator 114 calculates the final interest rate of the financial instrument selected from the financial instrument list. At this time, the interest rate calculator 114 inquires the financial information of the customer from the customer information loading unit 115 using the personal information of the customer connected to the financial server 100. The interest rate calculator 114 may calculate the final interest rate of the selected financial product based on the financial information of the customer. In detail, when a second financial product of which the customer subscribes to the financial institution corresponds to at least one of a plurality of cross-products linked to the first financial product selected from the financial product list, the interest rate calculator 114 may generate a second financial product. Calculate the additional interest rate committed by the subscription of financial instruments. The interest rate calculator 114 calculates the final interest rate of the first financial product by adding the additional interest rate calculated to the basic interest rate of the first financial product.

Meanwhile, the financial product selector 112 transmits the information of the plurality of financial products corresponding to the subscription period information to the interest rate calculator 114, and the interest rate calculator 114 calculates the final interest rate of each of the plurality of financial products. can do. Accordingly, the financial product selector 112 may generate a financial product list by arranging a plurality of financial products in the order of the highest final interest rate.

The cross product deriving unit 116 derives the cross product to which the additional interest rate is applied and the cross product to which the additional interest rate is not applied from the plurality of cross products linked to the selected financial product. That is, among a plurality of cross products, the financial products that the customer has already subscribed to at the financial institution and the financial products which have not yet been subscribed are classified and derived.

After the final interest rate of the selected financial instrument is calculated and the cross product is derived, the screen generation unit 123 generates a user screen including the final interest rate of the selected financial instrument and the cross product and transmits it to the customer terminal. The customer may check the final interest rate and the cross product of the selected financial product through the user screen, and request to join the selected financial product through the customer terminal. In this case, the customer may request subscription to any one of the cross products to which the additional interest rate is not applied through the customer terminal.

The financial product subscription unit 117 performs the subscription processing of the financial product when a subscription request message of the selected financial product is received from the customer terminal. In addition, the financial product subscription unit 117 performs a cross-product subscription process when a request for joining a cross-product linked to a selected financial product is received from a customer terminal. The process of signing up for financial products is done through identity verification and security certification. Since the subscription processing of financial instruments is a general procedure, detailed description thereof will be omitted.

Meanwhile, the cross product linked to the selected financial product may be a financial service application such as mobile banking. In this case, the cross product subscription request message may include the telephone number of the customer. The financial product subscription unit 117 transmits a text message including uniform resource locator (URL) information for downloading a financial service application to the customer's phone by using the customer's phone number included in the cross-product subscription request message. Can be. The financial product subscription unit 117 may transmit a financial service application to a client terminal or a telephone of a client connected through a URL.

The customer information uploading unit 118 includes the financial product or the cross product subscribed to the financial information of the customer when the subscription processing to the financial product or the cross product is completed. That is, the customer information uploading unit 118 delivers the subscription information of the customer's financial products or cross products to the financial DB, and the financial information of the customer is updated in the financial DB.

On the other hand, if the subscription processing to the cross product is made before the subscription processing to the selected financial product is completed, the customer information uploading unit 118 may deliver the information of the cross-processed subscription product to the customer information loading unit 115. . The customer information loading unit 115 transmits the subscription information of the cross-processed product to the interest rate calculator 114 so that the interest rate calculator 114 recalculates the final interest rate of the selected financial product. The interest rate calculation unit 114 calculates a second additional interest rate according to the cross product subscription process. The interest rate calculating unit 114 recalculates the final interest rate of the selected financial instrument by adding up the first additional interest rate and the additionally calculated second additional interest rate that were added before the basic interest rate of the selected financial instrument. When the final interest rate is recalculated, the screen generation unit 123 regenerates the user screen including the final interest rate and the cross product of the selected financial product and transmits it to the customer terminal.

The consultation connection request unit 121 receives the first consultation connection request message from the customer terminal and transmits the second consultation connection request message to the employee terminal of the financial institution according to the first consultation connection request message. The customer may transmit the first consultation connection request message through the customer terminal when the customer needs the help of an employee of the financial institution in the process of joining the financial server and subscribing to the financial product. At this time, the consultation connection request unit 121 transmits a second consultation connection request message to the employee terminal of the financial institution. The first consultation connection request message and the second consultation connection request message may include a telephone number of the customer or an IP address of the client terminal.

The employee of the financial institution transmits a consultation response message to the consultation response receiver 122 through the employee terminal. That is, the consultation response receiver 122 receives the consultation response message in response to the second consultation connection request message from the employee terminal. When the consultation response message is received, the consultation response receiver 122 notifies the screen generation unit 123 of this.

When the reception of the consultation response message is confirmed, the screen generation unit 123 generates a second user screen linked to the first user screen provided to the customer terminal, and transmits the second user screen to the employee terminal. That is, the screen generator 123 generates a dual user screen including the first user screen and the second user screen, transmits the first user screen to the customer terminal, and transmits the second user screen to the employee terminal.

The employee of the financial institution may make a phone call with the customer by using the telephone number of the customer while viewing the second user screen identical to the first user screen that the user is viewing through the employee terminal. Alternatively, the employee of the financial institution may access the customer terminal using the IP address of the customer terminal, and guide the customer's financial product subscription procedure through a text chat or voice chat between the customer terminal and the employee terminal.

Now, a method in which a financial server performs a financial product subscription process will be described with reference to FIGS. 2 to 6.

2 is a flowchart illustrating a financial product subscription processing method of a financial server according to an embodiment of the present invention. 3 is a user screen for inputting a subscription period according to an embodiment of the present invention. 4 is a user screen showing a financial product list according to a subscription period according to an embodiment of the present invention. 5 is a user screen showing the final interest rate and cross-product of the financial product according to an embodiment of the present invention. 6 is a user screen for counseling connection request according to an embodiment of the present invention.

2 to 6, the financial server 100 provides a user screen for inputting a subscription period to the customer terminal and receives subscription period information from the customer terminal using the user screen (S110). The user screen for inputting the subscription period may be provided to input a monthly payment amount for savings product subscription or an initial subscription amount for deposit product subscription.

In an example of a user screen for inputting a subscription period of FIG. 3, an input screen area A through which a customer can select a subscription period and a monthly payment amount is provided. If the customer selects any one of 6 months (6M), 12 months (12M), 24 months (24M), and 36 months (36M) for the subscription period, and selects the monthly payment amount, the customer terminal to the financial server 100 Subscription period information and monthly payment information is transmitted.

When the financial server 100 receives the subscription period information from the customer terminal, the financial server 100 inquires the financial product corresponding to the subscription period information, and generates a financial product list corresponding to the subscription period information (S115). The financial server 100 may generate the financial product list by sorting the plurality of financial products corresponding to the subscription period information in ascending order of the base rate or in the order of the highest interest rate. Alternatively, the financial server 100 may generate a financial product list by arranging a plurality of financial products in the order of the highest final interest rate calculated based on the existing financial products to which the customer subscribes.

In one example of the user screen showing the list of financial products in FIG. 4, a screen area F in which a plurality of financial products are arranged in the order of interest rates is provided. The customer can check the contents of the detailed description of the financial instruments of each of the plurality of financial instruments listed in the screen area (F). The details of the financial instrument may include the basic interest rate, the highest interest rate, additional interest rate conditions, and subscription conditions of the financial instrument.

The customer may select one or more financial products from the plurality of financial products included in the financial product list through the customer terminal. That is, one or more financial products are selected from the financial product list through the customer terminal (S120).

The financial server 100 obtains the financial information of the customer from the financial DB that stores the financial information of the customer (S125).

The financial server 100 calculates a final interest rate of the selected financial product based on the financial information of the customer (S130). The financial server 100 subscribes to the second financial product when the second financial product to which the customer subscribes to the financial institution corresponds to at least one of a plurality of cross products linked to the first financial product selected from the financial product list. Calculate the additional interest rate agreed upon. The financial server 100 calculates the final interest rate of the first financial product by adding the additional interest rate calculated to the basic interest rate of the first financial product.

The financial server 100 derives the cross product to which the additional interest rate is applied and the cross product to which the additional interest rate is not applied from the plurality of cross products linked to the selected financial product (S135). That is, among a plurality of cross products, the financial products that the customer has already subscribed to at the financial institution and the financial products which have not yet been subscribed are classified and derived.

The financial server 100 generates a user screen including the final interest rate of the selected financial instrument and the cross product (S140). The user screen is transmitted to the customer terminal, and the customer can check the final interest rate and the cross product of the selected financial product through the user screen.

In one example of the user screen showing the final rate and cross-product of the financial instrument of Figure 5, the input screen area (A), the customer can select the subscription period and monthly payment amount, the base rate, the highest interest rate and the final interest rate of the financial instrument ( An interest rate region (B) including an internal interest rate), a cross-product region (C) for identifying cross-products of the financial instrument, and a cross-product subscription region (D) for immediately joining the cross-product. In the cross product area (C), the customer can check the cross product with the additional interest rate and the cross product without the additional interest rate. In addition, the customer may perform a subscription process of the cross product to which no additional interest rate is applied in the cross product area C through the register button. Alternatively, the customer may subscribe to the cross product by downloading a financial service application by inputting his / her phone number in the cross product subscription area D.

The financial server 100 determines whether a cross product subscription request message is received (S145). When the customer executes the register button or the download of the financial service application on the user screen indicating the final rate and the cross product of the financial product, the cross product subscription request message is transmitted from the customer terminal to the financial server 100.

When the cross product subscription request message is received from the customer terminal, the financial server 100 determines whether a consultation connection request message is received from the customer terminal (S150). The customer may request a consultation connection of an employee of a financial institution during the cross-subscription subscription process, and may transmit a consultation connection request message to the financial server 100 through the customer terminal.

In an example of a user screen for requesting a counseling connection of FIG. 6, when a customer presses a button for registering a cross product in the cross product area C, a phone number input popup E for a telephone call with a financial institution employee is provided. Can be generated. When the customer enters his / her phone number in the phone number input pop-up (E) and registers, a consultation connection request message is transmitted from the customer terminal to the financial server 100.

When the financial server 100 receives the first consultation connection request message from the customer terminal, the financial server 100 transmits the second consultation connection request message to the employee terminal of the financial institution according to the first consultation connection request message. The first consultation connection request message and the second consultation connection request message may include a telephone number of the customer or an IP address of the client terminal.

The financial server 100 receives a consultation response message in response to the second consultation connection request message from the employee terminal of the financial institution (S155).

When the reception of the consultation response message is confirmed, the financial server 100 generates a dual user screen including a first user screen and a second user screen (S160). The first user screen is transmitted to the customer terminal. The second user screen is linked to the first user screen and transmitted to the employee terminal. The employee of the financial institution may make a phone call with the customer by using the telephone number of the customer while viewing the second user screen identical to the first user screen that the user is viewing through the employee terminal. Alternatively, the employee of the financial institution may access the customer terminal using the IP address of the customer terminal, and guide the customer's financial product subscription procedure through a text chat or voice chat between the customer terminal and the employee terminal.

When the financial server 100 receives a subscription request message for a cross product linked to a financial product from a customer terminal, the financial server 100 performs a cross product subscription process (S165). The cross-subscription can be processed through identity verification, security certification, and the like. Or by sending a financial service application to the customer's phone, which is a customer terminal.

When the subscription processing of the cross product is completed, the financial server 100 updates the customer's financial information by including the cross processed product in the customer's financial information (S170). The financial server 100 may update the customer's financial information in the financial DB by transferring the cross product subscription information of the customer to the financial DB.

The financial server 100 recalculates the final interest rate of the financial product according to the updated financial information of the customer (S175). The financial server 100 calculates a second additional interest rate according to the cross-processed cross product and adds the first additional interest rate and the additional calculated second additional interest rate that were added prior to the basic interest rate of the financial product to finalize the financial product. Refinance interest rates

If the final rate is recalculated, the financial server 100 regenerates the user screen including the final rate of the financial instrument and the cross product (S180). The regenerated user screen is sent to the customer terminal. When the dual user screen is generated by receiving the consultation connection request message from the customer terminal, the financial server 100 may transmit the regenerated user screen to the customer terminal and the employee terminal.

When the financial server 100 receives a subscription request message of the financial product from the customer terminal, the financial server 100 performs the subscription processing of the financial product (S185).

As described above, the financial server 100 may select a financial product that can provide the best interest rate benefits to the customer based on the financial information of the customer and propose it to the customer, and the customer may enter various subscription periods as desired. You don't have to search for financial instruments to find the one with the best interest rate.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

100: financial server
110: financial product management department
111: subscription period selection unit
112: financial product selection unit
113: financial product information storage unit
114: interest rate calculation unit
115: customer information loading unit
116: cross product derivation unit
117: financial product membership
118: customer information upload unit
120: user support
121: counseling connection request unit
122: consultation response receiver
123: screen generation unit

Claims (14)

A method for a financial server to process a financial product subscription,
Receiving subscription period information from a customer terminal of a customer using a financial institution operating the financial server;
Generating a financial product list by arranging a plurality of financial products corresponding to the subscription period information in order of interest rates;
When the first financial product is selected from the financial product list, acquiring financial information of the customer including the second financial product that the customer subscribes to the financial institution;
When the second financial product corresponds to at least one of a plurality of cross-products linked to the first financial product, a first additional interest rate is calculated according to the subscription of the second financial product, and the basic of the first financial product is calculated. Calculating a final interest rate of the first financial instrument by adding the first additional interest rate to an interest rate;
Generating a user screen including a plurality of cross products linked to the first financial product and a final interest rate of the first financial product; And
If the first financial product subscription request information is received from the customer terminal, performing the subscription processing of the first financial product. The method according to claim 1,
After generating the user screen, receiving a cross product subscription request message from the customer terminal; And
And performing a subscription processing of a cross product corresponding to the cross product subscription request message among the cross products. The method of claim 2,
When the subscription processing of the cross product is performed, including the uploaded cross product in the financial information of the customer; And
Computing a second additional interest rate according to the cross-processed cross-product, and adding the first additional interest rate and the second additional interest rate to the basic interest rate of the first financial instrument and retrieving the final interest rate of the first financial instrument. The financial product subscription processing method further comprising the step. The method of claim 2,
Receiving a first consultation connection request message after receiving the cross product subscription request message from the customer terminal; And
And transmitting a second consultation connection request message to an employee terminal according to the first consultation connection request message. 5. The method of claim 4,
And the first consultation connection request message and the second consultation connection request message include a telephone number of the customer. 5. The method of claim 4,
Receiving a consultation response message in response to the second consultation connection request message from the employee terminal;
Generating a dual user screen including a first user screen and a second user screen linked to the first user screen; And
And transmitting the first user screen to the customer terminal, and transmitting the second user screen to the employee terminal. The method of claim 2,
The cross product subscription request message comprises a financial product subscription processing method comprising the telephone number of the customer. 5. The method of claim 4,
The step of performing the subscription processing of the cross-
Transmitting a text message including uniform resource locator (URL) information to the customer's telephone; And
The financial product subscription processing method comprising the step of transmitting a financial service application to the telephone of the customer connected through the URL. Subscription period selection unit for receiving subscription period information from the customer terminal of the customer using the financial institution;
A financial product selection unit for generating a financial product list by arranging a plurality of financial products corresponding to the subscription period information in an order of interest rate;
A customer information loading unit for acquiring the financial information of the customer, the second financial product of which the customer has subscribed to the financial institution;
If the second financial instrument corresponds to at least one of a plurality of cross-linked products linked to the first financial instrument selected from the financial instrument list, the first additional interest rate according to the subscription of the second financial instrument is calculated, and An interest rate calculating unit configured to calculate the final interest rate of the first financial product by adding the first additional interest rate to a basic interest rate of a financial product;
A cross product derivation unit configured to derive a plurality of cross products linked to the first financial product;
A screen generator configured to generate a user screen including the final rate of the cross product and the first financial product; And
And a financial product subscription unit configured to perform a subscription processing of the first financial product when the first financial product subscription request message is received from the customer terminal. 10. The method of claim 9,
The financial product subscription unit, when receiving the cross-product subscription request message from the customer terminal, the financial server performs a subscription processing of the cross-product corresponding to the cross-product subscription request message among the cross-product. The method of claim 10,
Further comprising a customer information upload unit for including the cross-processed cross-product in the financial information of the customer,
The interest rate calculating unit calculates a second additional interest rate according to the cross-processed cross product, and adds the first additional interest rate and the second additional interest rate to the basic interest rate of the first financial instrument to finalize the first financial product. Financial server refinancing interest rates. The method of claim 10,
Receiving a first consultation connection request message from the customer terminal, the financial server further comprises a consultation connection request unit for transmitting a second consultation connection request message to the employee terminal in accordance with the first consultation connection request message. The method of claim 12,
Further comprising a consultation response receiving unit for receiving a consultation response message in response to the second consultation connection request message from the employee terminal,
The screen generation unit generates a dual user screen including a first user screen and a second user screen linked to the first user screen, transmits the first user screen to the customer terminal, and displays the second user screen. A financial server for transmitting to the employee terminal. The method of claim 10,
The cross product subscription request message includes the customer's telephone number,
The financial product subscription unit transmits a text message including URL information to the telephone of the customer, and sends a financial service application to the telephone of the client connected through the URL.

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