KR20140008613A - Method for supporting indirectness investment stock trade and recording medium - Google Patents

Abstract

The present invention includes a unit providing an interface for joining a fund-related community to a network terminal of a customer when a user joins an accumulation type fund having a regular cycle and a random fund not having the cycle, a unit storing customer information and community information in a storage medium by processing them by supporting community activities through the interface when the user requests to join the funds, a unit confirming the information stored in the storage medium by accessing Internet banking, and a unit transmitting customer-related community information through the Internet banking when the customer confirms the information. In addition, the invention includes a step of providing the interface to the network terminal when the customer joins the accumulation type fund having a regular cycle and a random fund not having the cycle, a step of storing customer information and community information in a storage medium by processing them by supporting community activities through the interface when the user requests to join the funds, a step of confirming the information stored in the storage medium by accessing Internet banking, and a step of transmitting customer-related community information through the Internet banking when the customer confirms the information. [Reference numerals] (100) Financial product server; (115) E-document server; (120) E-document DB; (125) List DB; (200) Interface part; (205) Interface providing part; (210) Information receiving part; (215) Validity confirming part; (220) Information providing part; (225) E-document generating part; (230) E-document transmitting part; (235) Information generating part; (240) Financial account processing part; (245) Information storage part; (250) E-document receiving part; (255) Information generating part; (260) E-document storage part; (265) Storage medium; (270) Financial system; (AA) E-document management information; (BB) Financial product e-document; (CC) Communication part; (DD) Customer information; (EE) Financial product management information; (FF) Financial account information; (GG) Community information; (HH) Network unit; (II) Terminal device; (JJ) Wireless terminal; (KK) Wire terminal; (LL) Customer; (MM) Select an input method

Description

Method for Supporting Indirectness Investment Stock Trade and Recording Medium}

 Due to the development of ICT and financial industry, modern society provides financial transaction service in various ways without directly visiting financial institutions such as banks.

 Among these, due to the development of the financial industry, there are various financial products such as funds and stocks in the financial industry, and it is difficult to obtain sufficient knowledge or advice according to these various financial products.

 In addition, compared to various financial products that are being serviced by financial institutions, these financial products cannot be converted into services for internet banking, and thus the limit of customers using internet banking is being revealed.

 When an individual or a company invests and manages assets in indirect investment products such as beneficiary certificates, an individual provides his or her information using Internet banking without visiting a financial company, and the financial company receives the customer's information.

 Due to the development of ICT and financial industry, modern society provides financial transaction services in various ways without directly visiting financial institutions such as banks.

 It refers to a system where customers access the Internet through personal computers and connect to the bank's host computer to receive financial services. The route through which financial services are provided is CD, Cash Dispenser / ATM. In addition to the Automatic Teller Machine, telephone, and PC communication, the Internet has been added. Here, PC (PC) banking using PC (PC) communication is a customer using an Internet service provider (ISP: Internet Service Provider) (for example, Hitel, Unitel, etc.) or using a dedicated software and modem provided by the bank It is a system that provides financial services by connecting its personal computer with a bank host computer and uses a relatively closed network compared to the Internet.

 The characteristics of internet banking are that financial transactions can be carried out beyond local and time constraints, thereby facilitating the globalization of financial services, diversifying the convenience of customers and the choice of the use path, and reducing fees. , Bank visits and business hours

Although the transaction cost is reduced due to the shortening, as described above, it is not possible to provide specialized services other than banking using the existing Internet banking, so that financial products are not converted to Internet banking services compared to various financial products. As a result, customers have limited problems using Internet banking.

 In order to solve the above problems, the present invention provides a fund-related community subscription interface to the network terminal of the customer when the subscription of the fund and a certain fund that does not have a payment cycle with a certain period, and the fund subscription is If requested, support the community activity through the provided interface, and the information of the customer and the community information associated with the process of storing in a storage medium, and the customer accesses the Internet banking and linked to the storage medium Checking the information, and if the customer confirms his information through the storage medium to provide the Internet banking community operating method and recording medium comprising the step of transmitting the relevant community information through the customer's Internet banking. The purpose is.

  In the case of joining a reserve fund that pays with a certain period and an arbitrary fund that does not have a payment cycle, a means for providing the fund-related community joining interface to a client's network terminal and, if requested to join the fund, provide a community activity through the provided interface. And means for linking the customer's information with the community information and storing the information on a storage medium, means for the customer to access internet banking and verify his or her information linked to the storage medium, and stored by the customer. When the user checks his information through the medium, his related community information is included, including means for transmitting the customer through Internet banking.

  In addition, when joining a reserve fund that pays with a certain cycle and an arbitrary fund that does not have a payment cycle, providing the fund-related community joining interface to a client's network terminal, and when the fund joining is requested, the provided interface Supporting an activity, interworking the information of the customer and community information, and storing the information on a storage medium; accessing the Internet banking to confirm the information of the customer linked to the storage medium; and the customer When the user checks his information through the storage medium, his or her related community information is transmitted through a customer's Internet banking.

  According to the present invention, according to an embodiment of the present invention, the subscription through the Internet network and the investment management by the system, the subscriber at least earning period of the earning period, earning date, earning cycle and the amount of the reserve fund and arbitrary fund One or more including the implementation is implemented by the subscriber-specific reserve fund and arbitrary fund account management method and system determined by the subscriber's choice through the subscriber terminal. As a result, the earning cycle of the self-employed and the like can be set for each individual customer, so that investment in financial products using the network can be made more active.

  In addition, financial companies can obtain an effect of further promoting customer exchanges and sales of new financial products through the activation of the financial community.

1 is a block diagram illustrating a financial product subscription and operation system for supporting a community activity of a fund subscribed to by a customer according to an indirect investment product sales support method and a recording medium implementation method according to the present invention.
2 is a diagram illustrating a system for joining a fund supporting community activities according to the indirect investment product sales support method and the recording medium implementation method according to the present invention.
3A and 3B illustrate a process for joining a fund that supports community activities in a non-face-to-face manner according to an indirect investment product sales support method and a recording medium implementation method according to the present invention.
8 is a diagram illustrating a configuration of a web server system for supporting fund-related community activities according to an indirect investment product sales support method and a recording medium implementation method according to the present invention.

  Indirect investment product sales support method according to the present invention is a means for providing a fund-related community subscription interface to the customer's network terminal, when the customer joins the reserve fund that has a certain cycle and a random fund that does not have a delivery cycle, and the fund When a subscription is requested, a means for supporting community activities through the provided interface to link and process the customer's information and community information to a storage medium, and the customer's access to the Internet banking is linked to the storage medium. And means for confirming their information and means for transmitting their related community information through the customer's internet banking when the customer confirms his information through a storage medium.

In addition, when the fund-funded recording medium using the Internet banking subscription fund and a random fund that does not have a payment cycle, the fund-related community subscription interface is provided to the client's network terminal, and the fund subscription is requested. If so, support the community activity through the provided interface, the process of linking the customer's information and community information in a storage medium, and the customer's own information linked to the storage medium by accessing the Internet banking And confirming their information through the storage medium, and transmitting the relevant community information through the customer's internet banking.

 Hereinafter, with reference to the accompanying drawings and description will be described in detail the principle of the preferred embodiment of the present invention.

 However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

 It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

 Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

 In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

 1 and 2 illustrate a financial product subscription and operation system configuration for supporting community activities related to funds (or purchased stocks) subscribed to by customers according to an embodiment of the present invention.

  Referring to FIG. 1 according to an embodiment of the present invention, the financial product subscription and operation system receives credit and arbitrary fund subscription information that does not have a certain payment cycle and a certain payment cycle from a predetermined customer, and the fund subscription information. A financial product server 100 that subscribes to a fund that supports a predetermined community activity based on the bank, establishes a predetermined financial account for managing the earned and voluntary funds, and the customer who subscribed to the fund uses the Internet banking. When accessing the provided web server 105, the web server 105 that provides the user with a user interface for accessing the community subscribed to the customer, and the community server to support the activity and operation of the community subscribed to the customer 110 and gold for a given financial instrument corresponding to a fund supporting a community activity to which the customer has subscribed; And at least one financial system including an electronic document server 115 storing product electronic documents and a financial account for managing financial products corresponding to a fund (or purchased stock) to which the customer subscribes. It is done.

  The financial product server 100 subscribes to a fund-related financial product supporting the community activity, and includes a financial product electronic document for community activity support including at least one of customer information and fund selection information for joining the financial product. The electronic document server 115 may be provided through a predetermined communication means, and the electronic document server 115 may store a fund-related financial product electronic document supporting the community activity.

  The web server 105 is a user for supporting a community activity of the customer when the customer accesses the web server 105 for internet banking or the like based on the customer information and community information. It is characterized by providing an interface.

  The community server 110 supports the fund-related community activities of the customer based on the customer information and community information of the customer subscribed to the fund supporting the community activity in connection with a predetermined community D / B. desirable

 According to an embodiment of the present invention, the customer accesses the financial product server 100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial When the fund subscription information for fund subscription supporting the community activity is input through at least one user interface provided by the product server 100, the client

It is preferable to transmit from the terminal to the financial product server 100 provided on the financial product subscription system through a predetermined network means.

 In the above, the wired and wireless terminals described above can be described as follows, and the wired and wireless communication networks described will be described in general use now.

 The wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer or a notebook connected to the TCP / IP based communication network, Or at least one home appliance terminal (Set-Top-Box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network.

 In addition, the wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network of Code Division Multiple Access (CDMA) based (or High-Speed Downlink Packet Access (HSDPA) based), or a portable Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications) terminal or personal digital cellular terminal (PDC) or personal handyphone system (PHS) terminal or personal digital terminal

Assistant; PDA) or smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based WLAN. .

 In addition, the client terminal outputs at least one or more user interfaces provided by the financial product server 100, inputs or selects at least one or more information through the user interface, and transmits the information to the financial product server 100. Or a predetermined communication program and a communication function for communicating with the financial product server 100.

 In the financial product subscription system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the financial product server 100. The communication network performs a function of a financial product subscription interface for registering the customer subscription information for the customer subscription to the fund supporting the community activities.

 The storage medium 265 may include fund information including at least one of the customer information, community information, financial product operation information, and financial account information included in the fund subscription (or stock purchase) information provided from the terminal device. It is characterized by storing.

 The customer information includes the personal information of the customer, the member information of the customer, and the financial system 270 associated with the financial product subscription system in response to the customer by subscribing as the financial transaction customer of the financial institution. It includes at least one member ID information, or CIF (Customer Information File number), etc. provided in the customer ledger provided on the.

 The community information is information about a fund-related community to which the customer has subscribed, and information about a community selected by the customer among the fund-related communities to which the customer has subscribed (eg, community name, community size, community establishment date, community member information, etc.). ) At least one or more.

 The financial instrument operation information is a general term for information for managing and operating the financial instrument through which a customer wants to subscribe through the fund subscription (or stock purchase) information through a predetermined financial account. According to the present invention, various modifications may be made.

 In addition, in the case of a client terminal including a wired terminal or a wireless terminal as described above, the financial product server 100 is a predetermined Internet banking server provided on the Internet banking system, or provided in the Internet banking server. This program

Or a predetermined server accessible to the external system of the financial system 270 through the internet banking system, a program provided with the server, or a target on the financial system 270 accessible through the internet banking server. It may be a server provided in an external system, or a program provided in an external system on the financial system 270.

 According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial product server 100 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server accessible to the external system of the financial system 270 through the wireless banking system, or a program provided in the server Or a server (or device) provided in an external system on the financial system 270 accessible through the server, or a program provided in the external system on the financial system 270. have.

 According to another embodiment of the present invention, when the terminal device is a call terminal connectable to a telebanking server on a predetermined telebanking system, the financial product server 100 includes a predetermined tele provided on the telebanking system. A banking server (eg, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined server accessible to the external system of the financial system 270 through the telebanking system; The program may be provided in the server, or may be a server provided in an external system on the financial system 270 accessible through the tel banking server, or may be a program provided in the external system on the financial system 270.

 The client device includes a wired terminal that is connected to a predetermined wired communication network

In the case of an unidentified terminal, the interface unit 200 connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired communication network or a wireless communication network, and communication defined in a communication program provided in the client terminal. It provides a communication interface for transmitting and receiving at least one information using a protocol.

 For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 200 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-TextMarkup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

 3A and 3B illustrate a financial product subscription process for joining a fund that supports community activities in a non-face-to-face manner according to one embodiment of the present invention.

 3A and 3B illustrate a web server in which a terminal device on the financial product subscription system shown in FIG. 2 is a client terminal, and the financial product server 100 is accessible to a client terminal through a predetermined network means. In the case of having a function, if a predetermined customer provides fund subscription information including at least one of customer information and fund selection information through the client terminal in order to subscribe to a financial product for fund subscription supporting community activities, In the financial product subscription system, a method of processing a subscription to the financial product for a fund subscription supporting the community activity based on the fund subscription information including at least one of the customer information and the fund selection information. Those skilled in the art to which the invention pertains, FIG. 3A Although various implementation methods of registering the fund subscription (or stock purchase) information from the client terminal to the financial product server 100 may be inferred by referring to or modifying FIG. 3B, the present invention provides all the inference methods. It includes.

 3A and 3B illustrate that the client terminal receives a user interface for inputting the fund subscription information through a predetermined web page provided by the financial product server 100. However, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial product server 100, and the present invention is not limited thereto.

 3A and 3B, the client terminal shown in FIG. 2 is referred to as a "terminal" for convenience, and the financial product server 100 shown in FIG. 2 is referred to as a "server" for convenience, and the client The customer information and fund (or stock) selection information transmitted from the terminal to the financial product server 100 is referred to as "fund subscription information" for convenience.

 3A and 3B, when the client terminal illustrated in FIG. 2 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal) A fund that accesses the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN, connects to a predetermined communication channel, and supports the community activities. When requesting a web page including a user interface for subscribing (300), the server correspondingly inputs and transmits fund subscription information including at least one of the customer information and fund selection information to the server. Generating a web page including a 305; and including the generated user interface via the network means. Transmits the web page to the terminal and outputs it (310).

 According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the fund subscription information registration procedure, whereby the present invention is not limited thereto.

 Thereafter, the terminal inputs the fund subscription information including at least one or more customer information and fund selection information through the user interface included in the web page (315).

 If fund subscription information including the customer information and fund selection information is input through the user interface (320), the terminal transmits the input customer information and fund selection information to the server through the communication channel. Send (325).

 According to an embodiment of the present invention, the terminal includes predetermined password or security card information for verifying the validity of the fund subscription information in the server to the fund subscription information including at least one of the customer information and the fund selection information; At least one or more OTP codes generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

 According to an embodiment of the present invention, the terminal may include at least one encryption method, for example, a symmetric key based encryption method or a public key based encryption method, including at least one fund subscription information including at least one of the customer information and the fund selection information. It is preferable to encrypt using an electronic envelope-based encryption method, a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the fund subscription information and transmit the same to the server through the network means. In the case of having at least one encryption key corresponding to an encryption method, or a predetermined public certificate including at least one or more encryption keys, or when the public certificate is provided on a predetermined IC chip (or IC card), Card for checking the official certificate provided in the IC chip (or IC card) It is preferable that a leader is provided.

 According to an embodiment of the present invention, the terminal may include at least one encryption method, for example, a symmetric key based encryption method or a public key based encryption method, including at least one fund subscription information including at least one of the customer information and the fund selection information. Or an electronic envelope based encryption method, or a key exchange based encryption method) and transmit the same to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption method. Or a predetermined certificate including at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card), the certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided for checking.

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

 Thereafter, the server receives and reads the customer information and the fund selection information through the communication channel to confirm the validity of the fund subscription information (330).

 According to an embodiment of the present invention, the fund subscription information may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method). When encrypted, the server may be configured to at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, an electronic envelope based decryption method, or a key) corresponding to the encryption method. Exchange-based decryption scheme, etc.) to authenticate validity of the received fund subscription information.

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

 Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted fund subscription information, and the technical features for confirming the electronic signature attached to the fund subscription information. Since it will be, a detailed description thereof will be omitted for convenience.

 According to an embodiment of the present invention, when the fund subscription information received through the information receiving unit 210 further includes a predetermined password for confirming the validity of the fund subscription information, the server may be included in the fund subscription information. By comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS, the validity of the received fund subscription information is authenticated.

 Alternatively, when the fund subscription information received through the information receiving unit 210 further includes predetermined security card information for confirming the validity of the fund subscription information, the server is included in the fund subscription information to receive the fund subscription information. By comparing and authenticating the security card information and the security card information provided corresponding to the customer on the DBMS, the validity of the received fund subscription information is authenticated.

 Alternatively, when the fund subscription information received through the information receiver 210 further includes a predetermined OTP code for confirming the validity of the fund subscription information, the server is included in the fund subscription information and received. By comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the validity of the received fund subscription information is authenticated.

 According to an embodiment of the present invention, the validity check on the fund subscription information may include at least one ledger matched with the fund subscription information in the ledger D / B 125 on the financial system 270 associated with the financial product subscription system. This includes checking that the information is registered.

 For example, the validity confirmation of the fund subscription information may include: a ledger on the financial system 270 in which the customer information (customer personal information, member information, etc.) of the information included in the fund subscription information is associated with the financial product subscription system. And matching with the customer ledger stored in the D / B 125.

 In addition, the validation of the fund subscription information comprises at least one or more.

 If the validity of the fund subscription information is not authenticated (335), the server generates a web page including predetermined financial product error information and transmits it to the terminal (340), and does not perform the financial product subscription procedure. Do not.

 On the other hand, if the fund is authenticated for validity of information (335), the server generates predetermined document content including at least one or more customer information including the fund subscription information and fund selection information (345), The predetermined financial instrument electronic document including the document content is generated 350.

 According to an embodiment of the present invention, the server generates document content including at least one or more customer information and fund selection information included in the received fund subscription information, and a document file (eg, containing the document content) Funds supporting the community activities such as Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT). It will be processed as a financial instrument electronic document for subscription (or stock purchase).

 Alternatively, the server generates document content including at least one of customer information and fund selection information included in the received fund subscription information, and among the customer information and fund selection information included in the fund subscription information in the document content. After including at least one or more information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including the watermarking. A word processor file including at least one of / DOC, or a web document file including an MHT, etc., as a financial product electronic document for fund subscription (or stock purchase) supporting the community activities.

 Alternatively, the server generates document content including at least one of customer information and fund selection information included in the received fund subscription information, and captures image content (eg, the document content) that captures the document content. The image file including the image content captured on the memory) is processed as a financial product electronic document for the subscription of the fund supporting the community activity.

 Alternatively, the server generates document content including at least one of customer information and fund selection information included in the received fund subscription information, and captures image content (eg, the document content) that captures the document content. Image content captured on the memory) including at least one or more of the customer information and the fund selection information included in the fund subscription information by a watermarking method, and then including the image content including the watermarking. The image file will be processed as a financial product electronic document for joining the fund supporting the community activities.

 According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund selection information included in the received fund subscription information, and captures the document content. At least a predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory). By generating one or more word processor files, or web document files including MHT), it is processed as a financial product electronic document for a subscription to the fund supporting the community activities.

 Alternatively, the server generates document content including at least one of customer information and fund selection information included in the received fund subscription information, and captures image content (eg, the document content) that captures the document content. Image content captured on a memory) to generate image content including at least one of customer information and fund selection information included in the fund subscription information in a watermarking manner, and including the watermarking. Document files containing image contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) , Etc.) to financial instrument electronic documents for the membership of the fund to support the community activities. The process goes through.

 According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund selection information included in the received fund subscription information, and captures the document content. A predetermined document file (eg, a Portable DocumentFormat (PDF) file or EDI (Electronic Data) including image content (eg, image content generated by capturing the document content on a memory) and the fund subscription (or stock purchase) information. A financial product for a fund subscription (or stock purchase) that supports the community activities by generating an Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It will be processed as an electronic document.

 Alternatively, the server generates document content including at least one of customer information and fund selection information included in the received fund subscription information, and captures image content (eg, the document content) that captures the document content. Image content captured on a memory) to generate image content including at least one of customer information and fund selection information included in the fund subscription information in a watermarking manner, and including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one image content and the fund subscription information, or a MHT. By creating a web document file, etc.) Go through the process of financial instruments treated as an electronic document.

 Those skilled in the art to which the present invention pertains may include technical features that the server generates a financial product electronic document in an image file format or a predetermined document file format, an image file corresponding to the financial product electronic document, or Since you will be familiar with the technical features of the file format for document files, the detailed description thereof will be omitted for convenience.

 Thereafter, the server goes through a step of storing the generated financial product electronic document in a predetermined electronic document storage 355.

 As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 115 and an electronic document D / B 120 connected to a server on the financial product subscription system through predetermined communication means. In the case, the server transmits the generated financial instrument electronic document to the electronic document server 115 through the communication means and stores the electronic document server 115 in the electronic document D / B 120.

 Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B (120), whereby the present invention is not limited.

 According to an embodiment of the present invention, storing the financial product electronic document in the electronic document storage unit is performed by linking the generated financial product electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Storage in / B 120.

 Here, the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the financial instrument electronic document and the electronic document storage date and time information.

 The electronic document management information may further include financial institution information that transmits the financial product electronic document.

 The electronic document management information may include customer information transmitted by inputting (selection) fund information related to a predetermined electronic document, financial institution information transmitting the financial product electronic document, electronic document file format information, or subscription to the fund. It will go through a process that includes more.

 If the financial product electronic document is stored in the electronic document repository (360), the server may provide predetermined financial product operation information corresponding to the financial product based on customer information and fund selection information included in the fund subscription information. Create 365.

 According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include beneficiary certificate information corresponding to the financial product based on customer information and fund selection information included in the subscription information. And a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

 According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server may store deposit information corresponding to the financial product based on customer information and fund selection information included in the fund subscription information, For example, a deposit including an account number corresponding to a predetermined deposit / storage, an interest corresponding to the deposit / storage and a subscription period, and the like is generated.

 Thereafter, the server opens and processes a financial account under the name of the customer including the financial product operation information based on the customer information and fund selection information included in the fund subscription information in connection with the financial system 270.

 According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 270 (or a customer provided with matching customer information. Check the ledger), generate predetermined ledger information including the financial instrument operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, corresponding to the fund subscription information. It is characterized by opening a predetermined financial account for joining the fund supporting the community activities.

 When the server and the financial system 270 are present in the same system according to an embodiment of the present invention, the server is linked to the financial system 270 in the ledger D / B 125, the financial product operation information To generate a predetermined account ledger comprising a.

 According to another exemplary embodiment of the present invention, when the server and the financial system 270 exist on another system connected through a predetermined communication means, the server is connected to the financial system 270 through a predetermined communication means. Through the external system, the ledger D / B 125 on the other financial system 270 is requested to generate a predetermined ledger including the financial product operation information.

 Thereafter, the server includes the customer information and community information included in the fund subscription information, the financial product operation information generated by the information generator 235, and the financial account information generated by the financial account processor 240. Store fund information including at least one of the above in a predetermined storage medium 265.

 According to an exemplary embodiment of the present invention, when the storage medium 265 is provided in the server or on a network associated with the server, the server is included in the received fund subscription (or stock purchase) information. Fund information including at least one of the customer information, the community information, the financial product operation information and the financial account information is stored in the storage medium 265.

 According to another embodiment of the present invention, when the storage medium 265 is provided in the DBMS provided on the financial system 270, the server includes the customer information and community information included in the received fund subscription information; Fund information including at least one financial product operation information and financial account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system 270.

 Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 265). ) And generate the details of storing the fund subscription information to the terminal.

 Thereafter, the server includes the financial product operation information based on the customer information and fund (or stock) selection information included in the fund subscription (or stock purchase) information in connection with the financial system 270. Open and process a financial account in the title (670).

 According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 270 (or a customer provided with matching customer information. After checking the ledger and generating predetermined account ledger information including the financial product operation information, the ledger is linked with the customer ledger.

By storing the account ledger information in a predetermined account ledger, a predetermined financial account for the fund subscription (or stock purchase) that supports the community activities in response to the fund subscription (or stock purchase) information is opened and processed. It is done.

 When the server and the financial system 270 are present in the same system according to an embodiment of the present invention, the server is linked to the financial system 270 in the ledger D / B 125, the financial product operation information It is desirable to create a predetermined account ledger that includes.

 According to another exemplary embodiment of the present invention, when the server and the financial system 270 exist on another system connected through a predetermined communication means, the server is connected to the financial system 270 through a predetermined communication means. Request the ledger D / B 125 on the other financial system 270 to create a predetermined ledger including the financial product operation information through the external system.

 Thereafter, the server includes the customer information and community information included in the fund subscription information, the financial product operation information generated by the information generator 235, and the financial account information generated by the financial account processor 240. Fund (or stock) information including at least one of the stored in the predetermined storage medium 265 (375).

 According to an embodiment of the present invention, when the storage medium 265 is provided in the server or on a network associated with the server, the server includes the customer information and community included in the received fund subscription information. Preferably, the storage medium 265 stores fund information including at least one information and financial product operation information and financial account information.

 According to another embodiment of the present invention, when the storage medium 265 is provided in the DBMS provided on the financial system 270, the server includes the customer included in the received fund subscription (or stock purchase) information. The financial system includes fund (or stock) information including at least one of information, community information, financial instrument operation information, and financial account information.

It is preferable to provide the information system through the external system on the 270 and store the information in the DBMS provided on the financial system 270. Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 265). Above)

In operation 380, a history of fund subscription (or stock purchase) information is generated (or extracted) and transmitted to the terminal.

 According to one embodiment of the invention, the storage medium 265 is preferably provided in the DBMS on the financial system 270 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 265 may be a ledger D / B 125 provided in the DBMS on the financial system 270 or a predetermined database linked to the ledger D / B 125.

 As described above, the method for supporting indirect investment product sales and the subscription processing for supporting community activities of the recording medium according to the present invention were examined. Referring to FIG. 8, the method for supporting indirect investment product sales and the web server system of the recording medium and Describe support for fund-related community activities.

 The web server system for supporting a fund (or stock) -related community activity, the terminal device including at least one or more of at least one wired terminal or a client terminal including at least one or more wired terminal with a predetermined web browser and the like; A web server 105 operating a website for providing a fund (or stock) operation to the terminal device through a predetermined communication network; and a fund (or stock) related community in connection with the web server 105. It is characterized in that it comprises a community server 110, wherein the web server 105 may comprise an Internet banking server that provides the fund (or stock) operations to the terminal device.

 The terminal device is a generic term for the device, characterized in that for connecting the communication channel for operating the fund (or stock) by connecting to at least one web server 105 through a predetermined communication network, for which the terminal device is a predetermined And a network communication function for connecting to a communication network of the terminal and at least one web browser, and a fixed terminal such as a desktop computer equipped with the network communication function and a web browser, or a semi-fixed terminal such as a laptop computer. Alternatively, the portable terminal may include at least one portable terminal.

 According to an embodiment of the present invention, the client terminal preferably comprises at least one wired terminal connected to a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, and HTTP (Hyper-) provided in the communication network. A communication channel for operating the fund is connected with the web server 105 according to a Text Transfer Protocol) compatible protocol.

 According to another exemplary embodiment of the present invention, the client terminal may be any one of a code division multiple access (CDMA) / wide-CDMA (WCDMA) based wireless communication network, an IEEE 802.11x based wireless communication network, or an IEEE 802.16x based wireless communication network. It is preferable to include at least one or more wireless terminals connected to a wireless communication network, the web server 105 and the communication channel for operating the fund in accordance with the Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in the communication network It is desirable to

  Referring to FIG. 8, the web server 105 connects a communication channel for operating the fund (or stock) to at least one or more client terminals, and a web page for operating the fund (or stock) through the communication channel. And a web interface unit 400 providing at least one web document corresponding to the client terminal, wherein the web interface unit 400 transmits predetermined customer information from the client terminal. Preferably, the customer information is received through the communication channel.

 If the web document includes a user interface for inputting predetermined customer information, and the client terminal inputs and transmits the customer information through the user interface, the web interface unit 400 through the communication channel Receive customer information. According to a procedure, the web page operation unit 410 controls generation of at least one or more web documents, or the digital content operation unit 415 extracts at least one or more digital contents to be included in the generated web document. And a web service controller 405 for controlling the web document to be output to the transmitted client terminal, wherein the web interface 400 is connected to the web service controller 405 to provide the web document. At least one web document generated by the page management unit 410 is characterized in that for transmitting to the client terminal through the communication channel.

The web service controller 405 is configured to perform at least a web page operation unit 410 corresponding to the web page for the fund management according to a web page operation procedure (or a web page request from a client terminal) corresponding to the fund operation. And controlling at least one web document to be generated, wherein the web page manager 410 generates at least one web document corresponding to the web page for the fund operation in cooperation with the web service controller 405. Characterized in that.

 According to the method of the present invention, the at least one web document corresponding to the web page for the fund management, the user interface for supporting the community activities related to the financial products subscribed by the customer corresponding to the input customer information at least It is preferable to include one or more.

 The web document generated by the web page management unit 410 includes at least one digital content link, and the digital content corresponding to the digital content link from the client terminal receiving the web document to the web server 105. When requesting an output, the digital content management unit 415 outputs at least one or more digital contents corresponding to the digital content link from the web operation D / B, and outputs the output digital contents to the web interface unit 400. By transmitting to the client terminal through the digital content is included in the web document transmitted to the client terminal is processed to be output.

 The web server 105 controls the bulletin board operating unit to generate a web document corresponding to the bulletin board page in association with the webpage operating unit 410 according to a webpage operating procedure corresponding to the fund operation. The bulletin board operating unit includes a web service control unit 405 configured to store predetermined bulletin board content received from the client terminal in the bulletin board D / B.

 The web service control unit 405 may be configured to operate the fund in association with the web page operation unit 410 according to the web page operation unit 410 according to a web page operation procedure (or a web page request from a client terminal) corresponding to the fund operation. And generate at least one web document corresponding to the bulletin board page.

 The web server 105 confirms the financial product operation information corresponding to the customer information stored in the storage medium 435 for the fund (or stock) operation, and the community corresponding to the identified financial product operation information. An information checking unit 420 for confirming information, an information extracting unit 425 for extracting web page information for the community access or activity based on the identified community information, and the extracted community access or activity An information transmitter 430 for providing a user interface for supporting the community activities to the customer based on the web page information, and the information checking unit 420 according to a web page operation procedure corresponding to the fund operation. Confirming financial instrument operation information corresponding to the customer information and confirming community information corresponding to the identified financial instrument operation information; Control, or provided with a web service control unit 405 for controlling the above information transmission unit 430 provides a user interface for providing funds related communities which the customer subscribes

.

 The information checking unit 420 checks a fund (or purchased stock) related community in association with the storage medium 435, and the customer in connection with the storage medium 435. Confirming the financial product operation information corresponding to the information, and confirming community information corresponding to the identified financial product operation information.

 The information extracting unit 425 extracts web page information for the community access or activity based on the community information confirmed by the information checking unit 420 in connection with the community server 110.

The information transmitter 430 may provide a user interface for community activities corresponding to the community information through the web interface 400 based on the web page information extracted by the information extractor 425. It is done.

The web service control unit 405 checks the financial product operation information corresponding to the customer information by the information checking unit 420 according to the web page operation procedure corresponding to the fund operation, and checks the financial product operation information. Control the checking of the corresponding community information, or the information transmission unit 430 controls to provide a user interface for providing a community related to the fund that the customer subscribed to

400: web interface unit 405: web service control unit
410: web page operation unit 415: content operation unit
420: information verification unit 425: information extraction unit
430: information transmission unit 435: storage medium

Claims (2)

Means for providing the fund-related community subscription interface to a customer's network terminal when joining a reserve fund that pays with a certain period and an arbitrary fund that does not have a payment cycle;
A means for supporting a community activity through a provided interface by linking the customer's information and community information when the fund is requested to join the fund;
Means for verifying information of the customer linked to the storage medium by accessing the internet banking; And
And means for transmitting the relevant community information through the internet banking of the customer when the customer checks his information through the storage medium. Providing the fund-related community subscription interface to a network terminal of a customer when joining a reserve fund that pays with a certain period and an arbitrary fund that does not have a payment cycle;
If the fund is requested to join, supporting the community activity through the provided interface, and cooperatively processing the customer information and the community information and storing them in a storage medium;
Confirming, by the customer, an internet banking information related to the storage medium; And
And transmitting the relevant community information of the customer through internet banking of the customer when the customer checks the information of the user through the storage medium.

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