KR20210059353A - Financial service providing system for complete sales guarantee and method for providing complete sales guarantee using the same - Google Patents

Abstract

A financial service providing system according to one technical aspect of the present invention comprises: a user setting unit that manages information about a fund sold to a user; a complete sales management unit that stores a plurality of detailed information about the sold fund and manages a plurality of evidence materials in relation to each of the detailed information; and a purchase withdrawal processing unit that settles the redemption amount at the time of purchase withdrawal with respect to the sold fund, sets a return fee for a sales fee, and processes the purchase withdrawal based on the redemption amount and the return fee. The complete sale management unit verifies the complete sale by verifying the detailed information about the sold fund and the evidence materials related thereto and requests the purchase withdrawal processing unit to withdraw the purchase of the corresponding fund when it is determined that the sale is incomplete. Accordingly, risks caused by incomplete sales can be blocked.

Description

Financial service provision system for complete sales guarantee, method of providing full sales guarantee using the same, and method of providing complete sales guarantee using the same {FINANCIAL SERVICE PROVIDING SYSTEM FOR COMPLETE SALES GUARANTEE AND METHOD FOR PROVIDING COMPLETE SALES GUARANTEE USING THE SAME}

The present invention relates to a financial service providing system for complete sales guarantee and a method for providing complete sales guarantee using the same.

Financial investment is based on the results of the operation of each company and the investment results of the management institution by directly purchasing the stock of a specific company and investing in the company, or by investing in securities such as stocks and bonds with a joint fund collected from investors by the management institution. It refers to an investment method in which performance is distributed to investors.

Here, the former refers to direct investment in stock investment and the latter in indirect investment method. In the case of fund investment, since the form of the fund is more diverse than that of direct investment in a specific company, fund investors It is difficult to understand and manage the structure of direct fund investment.

Therefore, in the case of fund investment, it is common for a fund subscriber to receive information on investment from a fund manager or a fund service provider, and then subscribe to a fund product to make an investment.

Investment management methods such as analysis and management of fund products have been disclosed in Korean Patent Application Publication No. 2008-0087919 (application date: 2015.12.08, publication date: 2017.06.16).

On the other hand, in recent years, damage to users is frequently occurring due to incomplete sales of funds. However, in the case of the prior art, there is a limitation in that it is impossible to respond to incomplete sales of funds.

Korean Patent Application Publication No. 10-2017-0067432

One technical aspect of the present invention is to solve the problems of the prior art described above, by managing in association with detailed information on the sold fund and the user's evidence information, thereby determining whether the user is completely sold when purchasing the fund. It is to provide a financial service providing system for complete sales guarantee that can check and block risks caused by incomplete sales and a method of providing complete sales guarantee using the same.

One technical aspect of the present invention is to provide the user with a corresponding function so that the user can directly purchase and withdraw the fund with respect to the purchased fund, and by providing a redemption and differential fee return upon withdrawal, the user's fund use environment is smooth and convenient. It is to provide a financial service providing system for complete sales guarantee that can be provided and a method of providing complete sales guarantee using the same.

The above objects and various advantages of the present invention will become more apparent from the preferred embodiments of the present invention by those skilled in the art.

One technical aspect of the present invention provides a financial service providing system. The financial service providing system includes a user setting unit that manages information on funds sold to users, stores a plurality of detailed information about the sold funds, and associates a plurality of supporting data with respect to the plurality of detailed information, respectively. A complete sales management unit that manages and a purchase withdrawal processing unit that calculates the redemption amount for the sold funds at the time of purchase withdrawal, sets a return fee for the sales fee, and processes the purchase withdrawal based on the redemption amount and the return fee. Includes. The complete sale management unit verifies the complete sale by verifying the plurality of detailed information on the sold fund and the supporting data associated therewith, and if it is determined that it is incomplete, the purchase is made to perform a purchase or withdrawal for the fund. It can be requested from the withdrawal processing department

In an embodiment, the complete sales management unit may manage the plurality of detailed information as a tree structure, and manage the individual nodes constituting the tree structure in association with evidence obtained from the user.

In one embodiment, the tree structure includes fund information on the sold fund, operation information on the operation of the sold fund, commission cost information related to the sale of the sold fund, and risk information on the sold fund. It can be configured by setting to the node of the first depth.

In one embodiment, the complete sales management unit, for each node corresponding to the fund information, the operation information, the cost information and the risk information, to individually associate and manage the user's evidence information for the corresponding information. I can.

In one embodiment, the complete sales management unit is a detailed information tree-forming module that generates the plurality of detailed information in a tree structure, and a supporting data receiving module that receives evidence for the plurality of detailed information from the user or contract manager. And a complete sales proof data management module for reconfiguring the proof data based on the tree structure for the detailed information, and generating a detail information-proof data tree by associating the reconstructed proof data for an individual node of the tree structure. Can contain.

In an embodiment, the complete sales management unit may include an incomplete sales determination module that determines whether or not to sell incomplete by verifying the validity of each detailed information of the detailed information-proof data tree and the validity of the related evidence data.

In one embodiment, the user setting unit generates fund request information by setting at least one of a maturity investment period, a target return rate, and a target evaluation amount of the fund from a user's input, and the financial service providing system, the investment advisory server or It may further include a customized investment information providing unit that selects at least one fund corresponding to the fund request information in connection with the robot advisor and recommends it to a user.

In one embodiment, the financial service providing system, for each fund, using a quantitative evaluation criteria for fund returns, volatility, and operating size, and a qualitative evaluation criteria for market forecasts and operating strategies associated with the fund It further includes a strategy fund recommendation unit that selects and recommends, and the strategy fund may be set irrespective of the user's fund purchase history or fund request information for the user.

Another technical aspect of the present invention provides a method of providing a complete sales guarantee. The method of providing complete sales guarantee includes the steps of generating information on funds sold to users, storing a plurality of detailed information about the sold funds, and managing a plurality of evidential data in association with each of the plurality of detailed information. The step of verifying whether or not a complete sale is made by verifying the plurality of detailed information of the sold fund and the supporting data associated therewith, and if it is determined that it is incomplete, the redemption amount at the time of purchase withdrawal for the sold fund. It may include the step of setting a return fee for the sales fee, and processing the purchase withdrawal based on the redemption amount and the return fee.

In one embodiment, the step of managing a plurality of pieces of evidence in association with each of the plurality of detailed information includes generating the plurality of detailed information as a tree structure, and the plurality of detailed information from the user or contract manager Reconstructing the evidence based on the tree structure for the detailed information and receiving the evidence for the detailed information, and creating a detailed information-proof data tree by associating the reconstructed evidence for individual nodes of the tree structure. May contain steps.

In one embodiment, the tree structure includes fund information on the sold fund, operation information on the operation of the sold fund, commission cost information related to the sale of the sold fund, and risk information on the sold fund. It can be configured by setting to the node of the first depth.

In one embodiment, the verifying whether or not the complete sale is complete comprises: determining the validity of each detailed information included in the detailed information-proof data tree, verifying the validity of the supporting data associated with each of the detailed information, and It may include the step of determining whether to sell incomplete based on the validity of each of the detailed information and the validity of the supporting data.

The means for solving the above-described problems do not enumerate all the features of the present invention. Various means for solving the problems of the present invention may be understood in more detail with reference to specific embodiments of the detailed description below.

According to an embodiment of the present invention, by managing the detailed information on the sold fund and the user's proof information for it, it is possible to check whether the user is completely sold at the time of purchase of the fund, thereby preventing the risk of incomplete sales. It works.

According to an embodiment of the present invention, by providing a corresponding function so that the user can directly purchase and withdraw the fund with respect to the purchased fund, and by providing a redemption and differential fee return upon withdrawal, the user's fund usage environment is smooth and There is an effect that can be provided conveniently.

1 is a diagram illustrating an application example of a financial service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a financial service providing system according to an embodiment of the present invention.
3 is a block diagram illustrating an embodiment of a user setting unit shown in FIG. 2.
4 is a block diagram illustrating an embodiment of a complete sales management unit shown in FIG. 2.
5 is a diagram illustrating an example of a tree structure applied in the complete sales management unit shown in FIG. 2.
FIG. 6 is a diagram illustrating an example of a structure of sales information and supporting data applied in the complete sales management unit shown in FIG. 2.
FIG. 7 is a diagram illustrating another example of the structure of sales information and supporting data applied in the complete sales management unit shown in FIG. 2.
8 is a block diagram illustrating an embodiment of the purchase withdrawal processing unit shown in FIG. 2.
9 is a block diagram illustrating an embodiment of the customized investment information providing unit shown in FIG. 2.
10 is a block diagram illustrating an embodiment of a strategy fund recommendation unit shown in FIG. 2.
11 is a block diagram illustrating an embodiment of a sales fee management unit shown in FIG. 2.
12 is a flowchart illustrating a method of providing a complete sales guarantee according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

However, embodiments of the present invention may be modified in various other forms, and the scope of the present invention is not limited to the embodiments described below. In addition, embodiments of the present invention are provided in order to more completely explain the present invention to those with average knowledge in the art.

Various flow charts have been disclosed to describe the embodiments of the present invention, but this is for convenience of explanation of each step, and each step is not necessarily performed according to the order of the flow chart. That is, each step in the flowchart may be performed simultaneously with each other, in an order according to the flowchart, or may be performed in an order opposite to that in the flowchart.

In addition, in order to describe the system according to the present invention, various components and sub-components thereof will be described below. These components and their sub-components may be implemented in various forms, such as hardware, software, or a combination thereof. For example, each element may be implemented as an electronic configuration for performing a corresponding function, or may be implemented as software itself that can be run in an electronic system, or as a functional element of such software. Alternatively, it may be implemented with an electronic configuration and driving software corresponding thereto.

1 is a view for explaining an application example of a financial service providing system (hereinafter referred to as a'financial service providing system') for guaranteeing complete sales according to an embodiment of the present invention.

Referring to FIG. 1, the financial service providing system 100 provides various financial services such as recommendation, sale, and cancellation of funds to the user terminal 10.

The financial service providing system 100 may provide financial services to the user terminal 10 by interworking with the fund product server 200. Here, the fund product server 200 may be a seller that directly manages the fund or sells the fund in connection with a financial company that directly manages the fund, and the financial service providing system 100 provides fund information from the fund product server 200. , You can obtain information about the fund, such as fund operation information.

The fund product server 200 may include servers operated by various different operating entities, and is not necessarily limited to one specific server.

The financial service providing system 100 may obtain information on a fund from the fund product server 200 and provide various services such as selling, managing, and canceling the fund to the user based on this.

Hereinafter, a financial service providing system 100 for guaranteeing complete sales will be described in more detail with reference to FIGS. 2 to 11.

2 is a block diagram illustrating a financial service providing system according to an embodiment of the present invention.

Referring to FIG. 2, the financial service providing system 100 includes a user setting unit 110, a complete sales management unit 120, a purchase withdrawal processing unit 130, a control unit 140, a customized investment information providing unit 150, and a strategy. A fund recommendation unit 160, a sales fee management unit 170, and an operation database 180 may be included.

Depending on the embodiment, some of the above-described plurality of components may be omitted or may be replaced with a separate server or a separate system.

The user setting unit 110 may set user settings for fund management.

For example, the user setting unit 110 may generate and set fund request information, such as a fund maturity investment period, a target return rate, and a target evaluation amount, from a user's input.

For example, the user setting unit 110 may set an event according to a user setting and, when a corresponding event occurs, may notify the user of information on the corresponding event.

In addition, the user setting unit 110 may manage information on funds sold to users.

The complete sales management unit 120 may store a plurality of detailed information about a fund sold to a user, and manage the plurality of detailed information in association with each of the evidence data of a plurality of users.

Incomplete sale of a fund means that the product content is not properly explained to the buyer (user) or is sold by providing incorrect information, and the complete sale management unit 120 is provided to the user when selling the fund to prevent such incomplete sale. By managing the information (hereinafter referred to as'sale fund information') in association with a plurality of detailed information and supporting data including the user's confirmation of the information, complete sales of the sold fund can be secured.

In one embodiment, the complete sales management unit 120 manages a plurality of detailed information constituting the sales fund information as a tree structure, and associates evidence obtained from the user with respect to individual nodes constituting the tree structure of the detailed information. Can be managed.

Complete sales management unit 120 for each node corresponding to a plurality of detailed information constituting the sales fund information-for example, fund information, operation information, cost information, and risk information, the user's proof information for the corresponding information. It can be individually related and managed.

The complete sales management unit 120 may verify complete sales by verifying a plurality of detailed information on the sold funds and evidence of a user associated therewith, and may request to process withdrawal of purchase if it is determined to be incomplete sales.

The purchase withdrawal processing unit 130 may withdraw the purchase of funds sold to the user. That is, the purchase withdrawal processing unit 130 calculates the redemption amount for the funds sold to the user at the time of purchase withdrawal, sets a return fee for the sales fee, and cancels the purchase withdrawal based on the redemption amount and the return fee. You can handle it.

The controller 140 may control overall components of the financial service providing system 100 to operate in association with each other.

The customized investment information providing unit 150 may select at least one fund corresponding to the fund request information and recommend it to the user in connection with the investment advisory server or the robot advisor.

The strategic fund recommendation unit 160 selects and recommends strategic funds for each fund using quantitative evaluation criteria for fund returns, volatility, and operating size, and qualitative evaluation criteria for market forecasts and operating strategies related to the fund. I can. Here, the strategy fund may be set irrespective of the user's fund purchase history or fund request information for the user.

The sales fee management unit 170 may calculate a fee generated by fund sales and manage a return fee at the time of withdrawal of purchase.

Each component of the above-described financial service providing system 100 will be described in more detail with reference to FIGS. 3 to 11.

3 is a block diagram illustrating an embodiment of a user setting unit shown in FIG. 2.

Referring to FIG. 3, the user setting unit 110 may include a user fund request setting module 111, a fund management module 112, an event setting module 113, and an event management module 114.

The user fund request setting module 111 may generate fund request information by setting at least one of a fund maturity investment period, a target return rate, and a target evaluation amount from a user's input.

The event setting module 113 may set an event according to a user setting, and the event management module 114 may notify the user of information on a corresponding event when a set event occurs.

For example, the event setting module 113 may set a target return or target evaluation amount of a fund purchased by the user as an event according to a user's input, as an event, and the event management module 114 When the rate of return or the target evaluation amount exceeds a corresponding set value, it is notified to the user terminal to inform the user that the event has been achieved.

The fund management module 112 may manage information on funds sold to a user (hereinafter, referred to as “fund information”). The fund information may include information on the sold fund, information on the operation of the fund, fee cost information related to the sale of the sold fund, risk information on the sold fund, and the like.

4 is a block diagram illustrating an embodiment of a complete sales management unit shown in FIG. 2.

Referring to FIG. 4, the complete sales management unit 120 includes a detailed information treeization module 121, a sales information data providing module 122, a proof data reception module 123, a complete sales proof data management module 124, and an incomplete A sales determination module 125 may be included.

The sales information data providing module 122 may acquire sales fund information on the funds sold to the user, and provide this to the detailed information tree forming module 121.

The detailed information treeization module 121 may generate a plurality of detailed information constituting the sales fund information in a tree structure.

FIG. 5 is a diagram illustrating an example of a tree structure applied in the complete sales management unit shown in FIG. 2, and will be described with further reference to FIG. 5.

5 shows a structured example of sales fund information for fund A. The detailed information tree module 121 is detailed information on a sales fund, including fund information on the sold fund, operation information on the operation of the sold fund, commission cost information related to the sale of the sold fund, and the sold fund. It can be seen that the tree structure was set by setting the risk information for the first depth node.

In addition, the detailed information treeization module 121 creates a tree structure by associating specific data (fund information data, operation information data, cost information data, and risk information data) for each detailed information as a tree structure at a lower level thereof. can do.

Referring back to FIG. 4, the proof data reception module 123 may receive proof data for a plurality of detailed information from a user or a contract manager. Here, the contract manager refers to a subject who has signed a contract with a user on behalf of or on behalf of a fund seller, and refers to a fund seller.

The complete sales proof data management module 124 reconstructs the proof data based on the tree structure for detailed information, and creates a detailed information-proof data tree by associating the reconstructed proof data for individual nodes of the tree structure. have.

For example, the documentary evidence may be a user's signature or seal data in a contract in which all detailed information is indicated, or a voice guidance for detailed information and a voice recording of the user's confirmation of the detailed information.

When such evidence is individually classified for each detailed information, the complete sales proof data management module 124 associates the evidence for each detailed information (or for each detailed data thereof) according to the corresponding classification, and the detailed information-supporting data You can create a tree.

On the other hand, if such evidence is not individually classified for each detailed information and at least some of them are integrated, the complete sales proof data management module 124 provides detailed information on the corresponding evidence-that is, detailed information or detailed data. It is possible to generate a detailed information-proof data tree by analyzing and identifying which node in the tree structure of the sales fund information corresponds to the detailed information about the corresponding evidence and associating it with the corresponding node.

As a result, the complete sales proof data management module 124 may classify the proof data for each detailed information, and generate a detailed information-proof data tree by associating the classified proof data with the corresponding detailed information.

6 is a view for explaining an example of a detailed information-proof data tree applied in the complete sales management unit shown in Fig. 2, and further referring to Fig. 6, the complete sales proof data management module 124 1 It can be seen that the detailed information-proof data tree is created by classifying each detailed information having a difference depth, and by associating the separated evidence data with the detailed information having a first depth, that is, setting it to have a first depth.

7 is a view for explaining another example of the detailed information-proof data tree applied in the complete sales management unit shown in FIG. 2. Referring to FIG. 7 further, the complete sales proof data management module 124 Separate each detailed data of detailed information having a second depth, and associate the separated evidence with each data of detailed information having a second depth, that is, set to have a second depth, and the detailed information-proof data tree You can see that it creates

Referring back to FIG. 4, the incomplete sale determination module 125 may determine whether or not the incomplete sale is performed by verifying the validity of each detailed information of the detailed information-proof data tree and the validity of the supporting data associated therewith.

For example, the incomplete sales determination module 125 may determine the validity of each detailed information included in the detailed information-proof data tree. In addition, the incomplete sales determination module 125 may verify the validity of the supporting data associated with each detailed information. The incomplete sale determination module 125 may determine whether or not the incomplete sale is based on the validity of each detailed information and the validity of the supporting data.

Through the incomplete sales determination module 125, it is possible to verify the non-notification of certain important information, the user's non-confirmation, etc. for the funds sold to the user, and accordingly, incomplete sales can be fundamentally prevented.

8 is a block diagram illustrating an embodiment of the purchase withdrawal processing unit shown in FIG. 2.

5, the purchase withdrawal processing unit 130 may include a contract fund linkage module 131, a purchase withdrawal processing module 132, a customer purchase withdrawal processing module 133, and an incomplete contract linkage module 134. .

The contract fund linkage module 131 may check information on the contracted fund (eg, sales fund information may correspond to this).

The customer purchase withdrawal processing module 133 may generate a purchase withdrawal request for a fund contracted by a corresponding user according to a user's input.

The incomplete contract linkage module 134 may generate a purchase withdrawal request for a fund determined to be incomplete sale in connection with the incomplete sale determination module 125.

The purchase withdrawal processing module 132 is a request from the customer purchase withdrawal processing module 133, that is, at the request of the user, or at the request of the incomplete contract linkage module 134, that is, when it is determined that it is incomplete sale, the contract fund In the interlocking module 131, information on the contracted fund may be checked and purchase withdrawal may be processed.

The purchase withdrawal processing module 132 may settle a redemption amount at the time of purchase withdrawal for the sales fund for which the purchase withdrawal is requested, and set a return fee for the sales commission. Depending on the embodiment, the return fee may be calculated by the sales fee management unit 170 and provided to the purchase withdrawal processing module 132.

The purchase withdrawal processing module 132 may process the purchase withdrawal based on the redemption amount and the return fee.

9 is a block diagram illustrating an embodiment of the customized investment information providing unit shown in FIG. 2.

6, the customized investment information providing unit 150 includes a user interest setting module 151, a customized investment information selection module 152, a fund product information linkage module 153, and a recommendation fund linkage module 154. can do.

The user interest setting module 151 may receive information on a fund of interest from a user and generate fund request information of the user.

The customized investment information selection module 152 may be linked with the fund product information linkage module 153 or the recommendation fund linkage module 154 to select a fund corresponding to the user's fund request information and recommend it to a user.

The fund product information linkage module 153 may interwork with the robot advisor to select a fund corresponding to the user's fund request information and provide it to the customized investment information selection module 152.

The recommended fund linkage module 154 may interwork with an external investment advisory server, etc. to select a fund corresponding to the user's fund request information and provide it to the customized investment information selection module 152.

10 is a block diagram illustrating an embodiment of a strategy fund recommendation unit shown in FIG. 2.

Referring to FIG. 7, the strategy fund recommendation unit 160 may include a strategy fund setting module 161, a quantitative evaluation module 162, a qualitative evaluation module 163, and an expert evaluation information reflection module 164.

The quantitative evaluation module 162 may perform a quantitative evaluation on the fund return, volatility, and operation scale, and generate a quantitative evaluation criterion for the fund.

The qualitative evaluation module 163 may perform a qualitative evaluation on a market forecast and operation strategy associated with a corresponding fund, and may generate a qualitative evaluation criterion for it.

The strategy fund setting module 161 may select and recommend a strategic fund using these quantitative evaluation criteria and qualitative evaluation criteria.

The expert evaluation information reflection module 164 may acquire evaluation information evaluated by an external expert, and the strategy fund setting module 161 may further reflect such evaluation information to select and recommend a strategic fund.

In the end, since the selected strategic funds are selected based on evaluation criteria such as qualitative evaluation and quantitative evaluation, information related to the user, such as the user's fund purchase history or the fund request information of the user, is set irrespective of it. . Accordingly, it is possible not only to provide customized investment information according to the user's disposition to the user, but also to recommend a strategic fund that is irrelevant to the user's disposition in consideration of market conditions, and thus, various funds can be recommended to the user.

11 is a block diagram illustrating an embodiment of a sales fee management unit shown in FIG. 2.

Referring to FIG. 11, the sales fee management unit 170 may include a fee processing module 171, a fee calculation module 172, and a fee refund module 173.

The fee calculation module 172 may calculate a fee for a fund purchased by a user. That is, the fee calculation module 172 may calculate a fee for a user to receive a financial service through the financial service providing system 100.

When the purchase withdrawal occurs by the purchase withdrawal processing unit 130, the fee refund module 173 may calculate a return fee for the purchase withdrawal.

The fee processing module 171 may interwork with the fee calculation module 172 and the fee refund module 173 to process a fee generation or a return fee.

In the above, a system for providing a financial service according to an embodiment of the present invention has been described with reference to FIGS. 1 to 11.

Hereinafter, a method of providing a complete sales guarantee according to an embodiment of the present invention will be described with reference to FIG. 12.

Since the method of providing a complete sales guarantee to be described below is performed based on a financial service providing system, it can be easily understood with reference to the above description with reference to FIGS. 1 to 11.

12 is a flowchart illustrating a method of providing a complete sales guarantee according to an embodiment of the present invention.

Referring to FIG. 12, the financial service providing system 100 may generate information on a fund sold to a user (S1210).

The financial service providing system 100 may store a plurality of detailed information about the sold fund, and manage a plurality of evidential data in association with each of the plurality of detailed information (S1220).

The financial service providing system 100 may verify complete sales by verifying the plurality of detailed information on the sold fund and the supporting data associated therewith (S1230).

When it is determined that the financial service providing system 100 is incomplete, it calculates the redemption amount at the time of purchase withdrawal for the sold fund, sets a return fee for the sales fee, and purchases based on the redemption amount and the return fee. Withdrawal can be processed (S1240).

In one embodiment of step S1220, the financial service providing system 100, generating the plurality of detailed information as a tree structure, receiving the evidence for the plurality of detailed information from the user or contract manager And generating a detailed information-proof data tree by reconfiguring the evidence data based on the tree structure for the detailed information, and associating the reconstructed evidence data with respect to individual nodes of the tree structure.

Here, the tree structure includes detailed information on the sold fund, fund information on the sold fund, operation information on the operation of the sold fund, commission cost information related to the sale of the sold fund, and the sold fund It can be configured by setting the risk information for the first depth node.

In an embodiment of step S1230, the financial service providing system 100, the step of determining the validity of each detailed information included in the detailed information-proof data tree, and verifying the validity of the supporting data associated with each of the detailed information. And determining whether or not to sell incomplete based on the validity of each of the detailed information and the validity of the supporting data.

The present invention described above is not limited by the above-described embodiments and the accompanying drawings, but is limited by the claims to be described later, and the configuration of the present invention is varied within the scope not departing from the technical spirit of the present invention. It can be easily understood by those of ordinary skill in the art that the present invention can be changed and modified.

10, 11, 12: user terminal
100: financial service provision system
110: user setting unit 120: purchase withdrawal processing unit
130: complete sales management unit 140: control unit
150: Customized investment information provision unit 160: Strategic fund recommendation unit
170: sales commission management unit 180: operation DB
200: Fund product server

Claims (12)

A user setting unit that manages information on funds sold to users;
A complete sales management unit that stores a plurality of detailed information about the sold fund, and manages a plurality of supporting data in association with each of the plurality of detailed information; And
A purchase withdrawal processing unit that calculates a redemption amount for the sold fund at the time of purchase withdrawal, sets a return fee for the sale fee, and processes the purchase withdrawal based on the redemption amount and the return fee;
Including,
The complete sales management unit
Finance requesting the purchase and withdrawal processing unit to verify the complete sale by verifying the plurality of detailed information on the sold fund and the supporting data associated therewith, and to perform a purchase withdrawal for the fund when it is determined that it is incomplete Service delivery system.
The method of claim 1, wherein the complete sales management unit
A financial service providing system that manages the plurality of detailed information as a tree structure, and manages each node constituting the tree structure in association with evidence obtained from a user.
The method of claim 2, wherein the tree structure is
Fund information on the sold funds;
Operation information on the operation of the sold fund;
Commission cost information related to the sale of the sold fund; And
Risk information on the sold funds;
A financial service providing system configured by setting as a node of the first depth.
The method of claim 3, wherein the complete sales management unit
For each node corresponding to the fund information, the operation information, the cost information, and the risk information, a financial service providing system that individually associates and manages user evidence information for the corresponding information.
The method of claim 1, wherein the complete sales management unit
A detailed information tree forming module that generates the plurality of detailed information in a tree structure;
A proof data reception module for receiving proof data for the plurality of detailed information from the user or contract manager; And
A complete sales proof data management module for reconfiguring the proof data based on the tree structure for the detailed information, and generating a detail information-proof data tree by associating the reconstructed proof data for individual nodes of the tree structure;
Financial service providing system comprising a.
The method of claim 5, wherein the complete sales management unit
An incomplete sale determination module for determining whether or not an incomplete sale is performed by verifying validity of each detailed information of the detailed information-proof data tree and the validity of the supporting data associated therewith;
Financial service providing system comprising a.
The method of claim 1, wherein the user setting unit
Fund request information is generated by setting at least one of the fund's maturity investment period, target rate of return, and target evaluation amount from user input,
The financial service providing system
A customized investment information providing unit for selecting at least one fund corresponding to the fund request information in connection with an investment advisory server or a robot advisor and recommending it to a user;
Financial service providing system further comprising a.
The method of claim 7, wherein the financial service providing system
For each fund, a strategic fund recommendation unit that selects and recommends strategic funds using quantitative evaluation criteria for fund returns, volatility, and operating size, and qualitative evaluation criteria for market forecasts and operating strategies related to the fund;
Including more,
The strategy fund is a financial service providing system that is set irrespective of the user's fund purchase history or fund request information for the user.
Generating information on funds sold to a user;
Storing a plurality of detailed information on the sold fund, and managing a plurality of evidential data in association with each of the plurality of detailed information;
Verifying complete sales by verifying the plurality of detailed information on the sold fund and the supporting data associated therewith; And
If it is determined that the sale is incomplete, calculating a redemption amount for the sold fund at the time of purchase withdrawal, setting a return fee for the sale fee, and processing a purchase withdrawal based on the redemption amount and the return fee;
How to provide a full sales warranty, including.
The method of claim 9, wherein the step of managing a plurality of supporting data in association with each of the plurality of detailed information
Generating the plurality of detailed information as a tree structure;
Receiving evidence for the plurality of detailed information from the user or the contract manager; And
Reconfiguring the evidence based on the tree structure for the detailed information, and generating a detailed information-proof data tree by associating the reconstructed evidence for individual nodes of the tree structure;
How to provide a full sales warranty, including.
The method of claim 10, wherein the tree structure is
Fund information on the sold funds;
Operation information on the operation of the sold fund;
Commission cost information related to the sale of the sold fund; And
Risk information on the sold funds;
A method of providing a complete sales guarantee, which is configured by setting the node as the first depth node.
The method of claim 10, wherein verifying whether the complete sale is performed
Determining the validity of each detailed information included in the detailed information-proof data tree; And
Verifying the validity of the supporting data associated with each of the detailed information; And
Determining whether to sell incompletely based on the validity of each of the detailed information and the validity of the supporting data;
How to provide a full sales warranty, including.

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