KR20230134657A - Server and method for providing investment advice service contract on multiple accounts for financially underprivileged - Google Patents

Abstract

The present invention relates to a server and method for providing a multi-account investment advisory contract management service. More specifically, the present invention relates to a query unit that searches user account information opened at multiple financial institutions and a multi-account investment advisory contract management service for users. A user information acquisition unit that receives and stores user information from a terminal and acquires the account information of the searched user, and a first contract for concluding a non-face-to-face investment advisory contract for financial investment products based on the user accounts from the user terminal. A multi-account investment advisory contract management service providing server comprising an order input unit that receives orders and a contract execution unit that executes the inputted first contract orders in batches based on user information, and multi-account using the server. It concerns how to provide investment advisory contract management services.

Description

Server and method for providing investment advice service contract on multiple accounts for financially underprivileged}

The present invention relates to a server and method for providing a multi-account investment advisory contract management service. More specifically, the present invention relates to a multi-account investment advisory contract management service that can collectively execute financial transactions through various financial institutions through an investment advisory contract. It relates to servers and methods.

Recently, financial institutions including banks, securities companies, credit card companies, etc. are providing online financial transaction services through PCs or mobile devices in accordance with the development of communication networks. By providing these services, customers can check their balance or transaction details or make account transfers without having to visit a bank or financial company branch in person or use an ATM.

Likewise, customers can now trade stocks and bonds, subscribe to derivatives-linked securities, and subscribe to public stocks without having to visit a securities firm in person or call an exchange employee.

However, for online financial transaction services, you must individually access the financial institution's dedicated communication program or website and go through an identity authentication process, and you must follow different service methods for each business.

In addition, since the user's information must be entered and an account must be opened for each financial institution, users who wish to open accounts at multiple financial institutions face the inconvenience of having to access each financial institution to open an account.

For example, customers who invest in derivatives-linked securities linked to various structures and underlying assets issued by various securities companies from time to time may have difficulty selecting derivatives-linked securities that suit their investment preferences. In addition, subscriptions for derivatives-linked securities can only be made through an account at a securities company that issues the relevant derivatives-linked securities, and since the subscription procedures for derivatives-linked securities at each securities company are different, users often feel inconvenienced during the subscription process.

As another example, in the case of customers investing in public offering stocks, in order to decide whether to subscribe to public offering stocks scheduled to be listed, analysis of the business and financial status of the company issuing the public offering stocks, subscription conditions for public offering stocks, and demand forecast results from professional investors, etc. Sometimes it is difficult to analyze. In addition, subscription for public offering stocks can only be made through the accounts of securities companies that provide subscription services for the public offering stocks, and since the total allocation of the public offering stocks is different for each securities company and customers cannot subscribe to multiple securities companies, They often have difficulty deciding which securities company to subscribe to for public offering stocks, and they often feel inconvenienced during the subscription process because each securities company's procedures for offering public stock subscriptions and methods of charging subscription fees are different.

Investment advisory business refers to the value of financial investment products and other investment assets prescribed by Presidential Decree (hereinafter referred to as “financial investment products, etc.”) or investment judgment on financial investment products, etc. (type, item, acquisition/disposal, method of acquisition/disposal) · Refers to judgment on quantity, price, timing, etc. (hereinafter the same shall apply), which refers to conducting business as a response to advice on matters.

In an investment advisory contract for the operation of financial investment products that have already been listed or issued in the capital market, there are generally no restrictions on operating various financial investment products through a single account in the investor's name opened at a securities company. Therefore, in most investment advisory contracts, there is not much need for a non-face-to-face contract method or an investment advisory contract that integrates multiple accounts. However, the acquisition and disposition of specific types of financial investment products can only be acquired through a subscription (or similar process) process through specific securities companies, and in most cases, the relevant financial investment products are not yet traded in the capital market. Because there is no market price, many investors often have difficulty making investment decisions based on the appropriateness of the issue price (or other acquisition price, such as public offering price) set by the issuer of the relevant financial investment product.

Therefore, in relation to financial investment products that can be invested through a subscription (or similar process) process only through a specific securities company at any point in time, although they generally fit the person's investment propensity, they are repeatedly and individually required to make 'investment decisions, subscription applications, and other purchases'. For customers who feel difficulty and inconvenience in 'selling transactions', a plan is required to provide services that integrate these non-face-to-face multiple accounts and operate them as investment advice. In particular, online financial services are provided to the visually impaired, the elderly, minors, and those with limited financial information. Disadvantaged users are in need of non-face-to-face, multi-account investment advisory contract management services for specific purposes.

Therefore, the present invention was proposed to solve the problems described above, and provides a server and method for providing a multi-account investment advisory contract management service that can collectively execute financial transactions through various financial institutions through advisory contracts. I want to do it.

The object of the present invention is not limited to what was mentioned above, and other objects not mentioned will be clearly understood by those skilled in the art from the description below.

In order to achieve the above object, the multi-account investment advisory contract management service providing server according to an embodiment of the present invention receives and stores user information from the user terminal to support the multi-account investment advisory contract management service, and stores the inquired user information. A user information acquisition unit that acquires account information and an order entry unit that receives a first contract order for entering into a non-face-to-face investment advisory contract for financial investment products based on the user accounts from the user terminal, and an order input unit that receives the first contract order based on the user information. It includes a contract execution unit that executes the inputted first contract orders in batches.

In addition, the method of providing a multi-account investment advisory contract management service according to an embodiment of the present invention includes a query step of checking account information of a user opened at a plurality of financial institutions, and a user terminal to support the multi-account investment advisory contract management service. A user information acquisition step of receiving and storing user information from the user and acquiring the account information of the searched user, and a first contract for concluding a non-face-to-face investment advisory contract for financial investment products based on the user accounts from the user terminal. It includes an order input step of receiving an order, and a contract execution step of collectively executing the inputted first contract orders based on the user information.

According to the server and method for providing a multi-account investment advisory contract management service according to an embodiment of the present invention, a user enters user information through an application and operates several types of financial products in the application in his or her name. It is convenient to view the investment advisory service provider's advice on investment advisory management that integrates multiple accounts opened at a financial company, the person's decision-making history related to the advice, acquisition/disposal, operation details through other methods, and the status of assets held. It can be checked accurately and, if necessary, provide the efficiency of two-way communication with the server.

In addition, according to the server and method for providing a multi-account investment advisory contract management service according to an embodiment of the present invention, especially for vulnerable users of online financial services (e.g., the visually impaired, the elderly, minors, financial information vulnerable groups, etc.) Convenience can be provided.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.

Figure 1 schematically shows the configuration of a multi-account investment advisory contract management service provision system according to an embodiment of the present invention.
Figure 2 is a block diagram showing the configuration of a server providing a multi-account investment advisory contract management service according to an embodiment of the present invention.
Figure 3 is a block diagram showing the configuration of a server providing a multi-account investment advisory contract management service according to another embodiment of the present invention.
Figure 4 is a flowchart illustrating a method of providing a multi-account investment advisory contract management service according to an embodiment of the present invention.
Figure 5 is a flowchart illustrating a method of providing a multi-account investment advisory contract management service according to another embodiment of the present invention.

The purpose and effects of the present invention, and technical configurations for achieving them, will become clear by referring to the embodiments described in detail below along with the accompanying drawings. In describing the present invention, if it is determined that a detailed description of a known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description will be omitted. The terms described later are defined in consideration of the structure, role, and function in the present invention, and may vary depending on the intention or custom of the user or operator.

However, the present invention is not limited to the embodiments disclosed below and may be implemented in various different forms. These examples are merely provided to ensure that the disclosure of the present invention is complete and to fully inform those skilled in the art of the invention of the scope of the invention, and that the present invention is limited only to those described in the claims. It is only defined by the scope of the claim. Therefore, the definition should be made based on the contents throughout this specification.

Throughout the specification, when a part is said to “include” a certain element, this means that it may further include other elements rather than excluding other elements, unless specifically stated to the contrary.

Hereinafter, with reference to the attached drawings, preferred embodiments of the present invention will be described in more detail.

Meanwhile, in an embodiment of the present invention, combinations of each block of the attached block diagram and each step of the flow diagram may be performed by computer program instructions. Since these computer program instructions can be loaded on the processor of other programmable data processing equipment such as general-purpose computers, special-purpose computers, portable laptop computers, and network computers, the instructions executed through the processor of the computer device or other programmable data processing equipment are A means to perform the functions described in each block of the block diagram or each step of the flow diagram described below is created. These computer program instructions may also be stored in memory available to a computer device or in computer-readable memory that can be directed to the computer device or other programmable data processing equipment to implement a function in a particular manner, so that each block of the block diagram Alternatively, it is also possible to produce a product containing instruction means that perform the functions described in each step of the flow diagram. Since computer program instructions can also be mounted on a computer device or other programmable data processing equipment, a process for performing a series of operation steps on a computer device or other programmable data processing equipment is created, and each block and flow diagram of the block diagram is displayed. It is also possible to provide steps for executing the functions described in each step.

Additionally, each block or each step may represent a module, segment, or portion of code that includes one or more executable instructions for executing specified logical function(s). Additionally, it should be noted that in some alternative embodiments it is possible for the functions mentioned in the blocks or steps to occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially simultaneously, or the blocks or steps may sometimes be performed in reverse order depending on the corresponding function.

Hereinafter, the server and method for providing the multi-account investment advisory contract management service according to the present invention will be described in more detail with reference to the attached drawings.

Figure 1 schematically shows the configuration of a multi-account investment advisory contract management service provision system according to an embodiment of the present invention, and Figure 2 shows the configuration of a multi-account investment advisory contract management service provision server according to an embodiment of the present invention. This is a block diagram showing.

Referring to Figures 1 and 2, the multi-account investment advisory contract management service providing server 1 according to an embodiment of the present invention includes an inquiry unit 10, a user information acquisition unit 20, an order input unit 30, It includes a contract execution department (40) and an advisory execution department (50).

The multi-account investment advisory contract management service provision server (1) is operated and managed directly or indirectly by the investment advisor, where the investment advisor receives investment judgments (types, Our business is to provide advice on investment decisions regarding items, acquisition, disposal, acquisition, disposal method, quantity, price and timing, etc., and provide information on the status of financial investment products and other assets in the customer's accounts. can be seen. Investment advisors can provide investment advice, but cannot act as an ordering agent to directly manage customer assets. However, if the customer accepts the specific advice provided by the investment advisor on the server, the server can convey the customer's approval regarding the advice to the securities company as the order transmitter. The multi-account investment advisory contract management service provision server (1) operates in a multi-account environment with multiple users, and the assets included in each account (3) are managed independently by the customer, but the multi-accounts held by the customer are operated independently. Information is provided in an integrated manner. To this end, the multi-account investment advisory contract management service provision server (1) or the investment advisory business operator that operates and manages the server can provide customers with various advisory services for investment decisions on financial investment products, and the contents of the advisory service include financial products. It includes information on investment judgment operations regarding type, item, acquisition, disposal, method of acquisition, disposal, quantity, price and timing, etc. In addition, the multi-account investment advisory contract management service provision server (1) or the investment advisory business operator that operates and manages the server provides customers with the ability to acquire and dispose of financial investment products, operate them in other ways, and provide information in the customer's name registered by the customer. We can provide advice on fund transfers from accounts, etc.

The inquiry unit 10 can search the user's account information opened at multiple financial institutions. The user's account 3 is opened by at least one customer and the customer's assets are deposited, and may be, for example, a securities account, a bank account, etc. After depositing assets in the account, the customer receives investment advice on where and how to invest the assets. Here, the assets are assets that can be managed by displaying them as an account (3), and can be used for financial investment products (e.g., stocks, It may include at least one of various financial products such as 'securities' such as bonds and derivatives-linked securities or 'derivatives' such as exchange-traded derivatives and over-the-counter derivatives), cash or cash equivalents.

The user information acquisition unit 20 may receive and store user information required for membership registration and account opening to support the multi-account investment advisory contract management service, and obtain the account information of the inquired user.

The order input unit 30 can receive a first contract order for concluding a non-face-to-face investment advisory contract for a financial investment product based on the user accounts 3 from the user terminal 4. Here, the user terminal 4 communicates with the operation servers of a plurality of financial institutions, and provides integrated management and operation of financial assets held in the user's financial institution account managed by each financial institution operation server, and new issuance (or A dedicated application that manages and operates financial investment products scheduled for listing can be downloaded and installed from the multi-account investment advisory contract management service provider server (1).

In addition, the order input unit 30 obtains user information by searching through the inquiry unit 10 before receiving the first contract order for entering into a non-face-to-face investment advisory contract for financial investment products based on the user accounts 3. Among the user accounts stored in the unit 20, some accounts for which to apply for the first contract order may be selected. Accordingly, rather than signing an investment advisory contract for all of the user's accounts searched in the inquiry unit 10, the user can select some accounts to enter into an investment advisory contract with.

The contract execution unit 40 may execute the received first contract orders in batches based on the user information.

In addition, if there is no account already opened at a financial institution that satisfies the conditions for executing the first contract order, the contract execution unit 40 bases the information acquired from the user information acquisition unit 20 in a non-face-to-face manner. You can open accounts in batches.

In another embodiment, if there is no account already opened at a financial institution that satisfies the conditions for executing the first contract order, the contract execution unit 40 may obtain information from the user information acquisition unit 20 in a non-face-to-face manner. Based on the information, preparations are made for account opening, and the user information that each financial institution needs to receive for non-face-to-face account opening is provided to financial institutions where users wish to open a new account. When the user's non-face-to-face account opening is completed, the account opening can be performed using the previously made account opening preparation according to the final approval instruction from the user terminal 4.

That is, if there is no account already opened at a financial institution that satisfies the conditions for executing the first contract order, the contract execution unit 40 only prepares to open an account until it receives approval from the user terminal 4. , account opening can be finally performed according to the final approval instruction from the user terminal 4.

In addition, when executing account opening in the contract execution unit 40, if additional information that does not exist in the user information acquisition unit 20 is required, additional information is requested from the user terminal 4 and It is also possible to enter additional information as needed.

If the advisory execution unit 50 determines that a second contract order is necessary for account operation after the first contract order is executed, it may send advice regarding the second contract order to the user terminal 4.

Thereafter, when the advisory execution unit 50 receives an execution instruction for the advisory content from the user terminal 4, the contract execution unit 40 may instruct the contract execution unit 40 to execute the second contract order. there is.

The advisory content regarding the second contract order sent from the advisory execution unit 50 to the user terminal 4 includes purchase and sale transactions of stocks, bonds, and warrants, subscription to derivatives-linked securities, subscription to public offering stocks, and between multiple accounts of the user. Various investment advice deemed necessary for the operation of the user's account, such as account transfer, may be included.

Among these, we will first look at an embodiment of executing an account transfer between a user's multiple accounts.

For example, the advisory execution unit 50 determines that it is necessary to transfer the funds in securities account A to securities account B in order to subscribe to a product in securities account B, and sends advice regarding this to the user terminal 4. Assume the case:

The user terminal 4 determines that the advice sent from the advisory execution department 50 is appropriate, and instructs the advisory execution department 50 with the advice content, that is, the funds in A securities account (the scope of the funds to be transferred at this time). When instructing to transfer (can be done) to B securities account, the order input unit 30 receives an account selection input from the user's plurality of accounts 3 from the user terminal 4 for account transfer between the plurality of accounts. . That is, in this embodiment, securities account A and securities account B are input.

Next, when the advisory execution unit 50 instructs the contract execution unit 40 to place a second contract order regarding the transfer of funds from securities account A to securities account B, the contract execution unit 40 orders the second contract. In order to execute, fund transfer is performed between accounts that have received a selection from the user terminal 4. That is, in this embodiment, the contract execution unit 40 transfers funds from securities account A to securities account B.

Next, we will look at an embodiment where the advice content regarding the second contract order sent from the advisory execution unit 50 to the user terminal 4 is an order to apply for public offering stock subscription.

When the advisory execution department (50) sends the advisory content regarding the application order for public offering stock subscription for the first investment item to the user terminal (4), the user terminal (4) reviews the advisory content and then sends the advisory content to the advisory execution department (50). If it is determined that the advice sent by ), that is, the application to subscribe to public offering shares for the first investment item, is appropriate, the advisory execution department 50 may be instructed to apply for subscription to public offering shares for the first investment item. At this time, the advisory execution unit 50 determines whether to apply for subscription, including at least one of the public offering price, ratio of public offering stocks, protection deposit conditions, demand forecast analysis, and information provided in the securities report disclosed before the subscription date for the relevant public offering stock. Analysis information that can serve as a basis can be provided to the user terminal 4.

According to instructions from the user terminal 4, the advisory executing unit 50 instructs the contract executing unit 40 to place an order to subscribe to public offering stocks for the first investment item. At this time, the contract execution unit 40 executes a second contract order to apply for public stock subscription within the user's investment fund range in each user's own account associated with a plurality of financial institutions capable of subscribing to public stock for the first investment item. You can.

In addition, when there are multiple securities companies capable of subscribing to public offering stocks, the contract execution unit 40 provides information helpful in selecting securities company information for subscription to public offering stocks, including at least one of the allocated quantity for each securities company, the expected number of subscription accounts, and subscription fees. Can be provided to the user terminal 4. At this time, since the subscription fee for each securities company is different depending on the customer class, the advantageous securities company for each customer may be different for subscribing to the same public stock. Therefore, this information can also be transmitted to the user terminal 4.

For example, the present invention provides investment advisory opinions on whether to subscribe to public offering stocks by analyzing the confirmed issuance conditions, investment prospectus, and demand forecast results of professional investors included in the ongoing subscription list information, and provides information to investors to subscribe to public offering stocks. We provide services such as advice and advice on transferring funds to an individual account, applying to subscribe to public offering shares from the account, selling assigned public offering shares, and transferring the payment amount after sale to another account desired by the customer. can be provided. In the case where there are multiple securities companies that can subscribe to public offering shares, the investment advisory business operator, which is the operator of the server, determines the allocated quantity of public offering shares and other subscription conditions for general investors of each securities company (subscription fee according to customer level, conditions for maximum subscription quantity, etc.) By analyzing, it is possible to recommend securities companies that are judged to be suitable for each user's subscription application. At this time, the recommended securities companies may differ depending on the subscription quantity desired by the user and the user's customer level of the securities company.

In addition, the multi-account investment advisory contract management service providing server (1) receives the overall competition rate by securities company for 'first public offering stock' and each securities company for 'second public stock stock' from securities company servers or financial institution server (2) that provides open API. By collecting the total competition rate, the user terminal 4 can detect and provide information on public offering stocks that can be allocated the maximum due to low competition rate.

At this time, an embodiment of the present invention may extract information on the maximum allotable public offering stock by considering information on the quantity of public offering stock allocated to each securities company in addition to the competition rate. In addition, the multi-account investment advisory contract management service provision server (1) provides a subscription result information section that provides information on the result of the application for public offering stock subscription by the second contract order, and then a sales plan for public offering stock assigned as a result of the subscription application to the user terminal. It may further include a trading strategy providing unit that provides strategy information, and a trading result providing unit that provides trading application results related to trading financial products, including public offering stock subscriptions, to the user terminal.

Figure 3 is a block diagram showing the configuration of a server providing a multi-account investment advisory contract management service according to another embodiment of the present invention. Referring to Figure 3, the multi-account investment advisory contract management service providing server 1 according to another embodiment of the present invention includes an account information input unit 15, a user information acquisition unit 20, an order input unit 30, and a contract execution unit. It includes a unit 40 and an advisory instruction unit 50.

The account information input unit 15 can receive user account information opened at a plurality of financial institutions from the user terminal 4.

What is different from the first embodiment discussed above is that the inquiry unit 10 in the multi-account investment advisory contract management service providing server 1 automatically searches for user account information opened at multiple financial institutions and uses this information as user information. Although it is transmitted to the acquisition unit 20, in this embodiment, the account information input unit 15 in the multi-account investment advisory contract management service provision server 1 transmits the account information of users opened at multiple financial institutions to the user terminal 4. Since it is input directly from , there is no need to look up the user's account information opened at multiple financial institutions.

Since the configuration of the other components included in this embodiment, namely the user information acquisition unit 20, order entry unit 30, contract execution unit 40, and advisory execution unit 50, is the same as that of the first embodiment, herein Redundant explanations should be omitted.

Figure 4 is a flowchart illustrating a method of providing a multi-account investment advisory contract management service according to an embodiment of the present invention.

Referring to FIG. 4, the method of providing a multi-account integrated management service according to an embodiment of the present invention first includes a query step (S110) of checking the user's account information opened at multiple financial institutions, and multi-account investment advisory contract management. User information acquisition step (S120) of receiving and storing user information from the user terminal to support the service and acquiring account information of the viewed user, non-face-to-face investment advisory contract for financial investment products based on user accounts from the user terminal It may include an order input step (S130) of receiving a first contract order for conclusion and a contract execution step (S140) of collectively executing the first contract orders received based on user information.

Here, the user terminal communicates with the operation servers of a plurality of financial institutions, and performs integrated management and operation of the user's financial institution account managed by each financial institution operation server and management and operation of assets issued online. Dedicated applications can be installed.

Additionally, in the order input step (S130), before receiving the first contract order based on the user accounts, a step of selecting an account to apply for the first contract order from among the user accounts may be further included.

In the contract execution step (S140), if there is no account already opened at a financial institution that satisfies the conditions for executing the first contract order, batch processing is performed based on the information acquired in the user information acquisition step (S120) in a non-face-to-face manner. You can proceed with account opening preparations and execute account opening using the account opening preparations made according to the final progress instructions from the user terminal 4.

After the first contract order is executed in the contract execution step (S140), if it is determined that a second contract order is necessary for account operation, advice regarding the execution of the second contract order is sent to the user terminal (4). Additional steps may be included.

As an example, when the second contract order in the step of sending advisory contents is an order related to fund transfer, for the second contract order, an account selection input from among the user's plurality of accounts is input from the user terminal 4. It is also possible to transfer funds between accounts selected from the user terminal 4 to execute the second contract order.

In addition, as another embodiment, if the second contract order in the step of sending advice contents is related to an order to apply for public offering stock subscription for the first investment item, the server 1 according to the advice execution instructions of the user terminal Users can apply for public offering shares within the scope of each user's investable assets in accounts owned by users associated with multiple financial institutions that are capable of subscribing to public offering shares for investment items.

In addition, a step of providing subscription result information providing information on the result of application for public offering stock subscription by second contract order; Thereafter, a trading strategy providing step of providing strategy information including a selling plan for the public offering stock assigned as a result of the subscription application to the user terminal; And it may further include a trading result providing step of providing trading application results related to trading financial products including the public offering stock subscription to the user terminal.

In addition, in the operation instruction stage, whether to apply for subscription is determined by considering at least one of the public offering price, ratio of public offering stocks, protection deposit conditions, demand forecast analysis, and information provided in the securities report disclosed before the subscription date of the public offering stock, and the above Analysis information based on the decision can be provided to the user terminal 4.

In addition, in the step of sending the above-mentioned advisory contents, if there are multiple securities companies capable of subscribing to public offering shares, information on securities companies that are more advantageous for subscribing to public offering shares, including at least one of the allocated quantity for each securities company, expected number of subscription accounts, and subscription fee, is sent to the user terminal ( It is provided as 4), and as the subscription fee for each securities company differs depending on the customer level, the securities company that is more advantageous to the customer in subscribing to the same public stock becomes different for each customer, so such information can also be provided.

Figure 5 is a flowchart illustrating a method of providing a multi-account investment advisory contract management service according to another embodiment of the present invention. Referring to Figure 5, the method of providing a multi-account investment advisory contract management service according to another embodiment of the present invention includes an account information input step (S210), a user information acquisition step (S220), an order input step (S230), and a contract execution step. Includes (S240).

Here, in the account information input step (S210), the user's account information opened at a plurality of financial institutions can be input from the user terminal 4.

What is different from the method of providing the multi-account investment advisory contract management service according to the first embodiment discussed above is that in the first embodiment, in the inquiry step (S110), the user's account information opened at multiple financial institutions is automatically searched and this information is provided. Although it is used in the user information acquisition step (S120), in this embodiment, the user's account information opened at multiple financial institutions is directly input from the user terminal 4 in the account information input step (S210), so it is stored in multiple financial institutions. There is no need to look up the account information of the opened user.

Other steps included in this embodiment, that is, the user information acquisition step (S220), the order input step (S230), and the contract execution step (S240), are the same as the user information acquisition step (S120) and the order input step (S130) of the first embodiment. , Since it is almost the same as the contract execution step (S140), redundant explanation will be omitted here.

According to a server and method for providing a multi-account investment advisory contract management service according to an embodiment of the present invention, a user can access various financial institutions simply by entering user information through an application and being able to access any one account. It can provide the efficiency of executing financial transactions through almost one order.

In addition, according to the server and method for providing a multi-account investment advisory contract management service according to an embodiment of the present invention, especially for vulnerable users of online financial services (e.g., the visually impaired, the elderly, minors, financial information vulnerable groups, etc.) Convenience can be provided.

Above, specific embodiments of the present invention have been described in detail. However, the spirit and scope of the present invention are not limited to these specific embodiments, and it is known by common knowledge in the technical field to which the present invention pertains that various modifications and variations can be made without changing the gist of the present invention. Anyone who has it will understand.

Therefore, the embodiments described above are provided to fully inform those skilled in the art of the present invention of the scope of the invention, and should be understood as illustrative in all respects and not restrictive. The invention is defined only by the scope of the claims.

Claims (16)

An inquiry unit that searches for user account information opened at multiple financial institutions;
a user information acquisition unit that receives and stores user information from a user terminal to support a multi-account investment advisory contract management service, and acquires the account information of the searched user;
an order input unit that receives a first contract order for entering into a non-face-to-face investment advisory contract for a financial investment product based on the user accounts from the user terminal; and
A multi-account investment advisory contract management service providing server comprising a contract execution unit that collectively executes the inputted first contract orders based on the user information.
An account information input unit that receives user account information opened at a plurality of financial institutions;
a user information acquisition unit that receives and stores user information from a user terminal to support a multi-account investment advisory contract management service, and acquires the input account information of the user;
an order input unit that receives a first contract order for entering into a non-face-to-face investment advisory contract for a financial investment product based on the user accounts from the user terminal; and
A multi-account investment advisory contract management service providing server comprising a contract execution unit that collectively executes the inputted first contract orders based on the user information.
The method of claim 1 or 2,
The order input section
A multi-account investment advisory contract management service providing server, characterized in that, before receiving the first contract order based on the user accounts, an account for which to apply for the first contract order is selected from among the user accounts.
The method of claim 1 or 2,
The contract execution department,
If there is no account already opened at a financial institution that satisfies the conditions for executing the first contract order, account opening is performed in bulk based on the information obtained from the user information acquisition department in a non-face-to-face manner. A server that provides multi-account investment advisory contract management services.
The method of claim 1 or 2,
The contract execution department,
If there is no account already opened at a financial institution that satisfies the conditions for executing the first contract order, preparations are made to open an account in a non-face-to-face manner based on the information obtained from the user information acquisition department. , A server that provides a multi-account investment advisory contract management service, characterized in that it executes account opening using the account opening preparation in accordance with the final approval instruction from the user terminal.
The method of claim 1 or 2,
After the first contract order is executed, if it is determined that a second contract order is necessary for account operation, it further includes an advisory execution unit that sends advice regarding execution of the second contract order to the user terminal. A server that provides multi-account investment advisory contract management services.
According to claim 6,
The advisory execution unit, when receiving an execution instruction for the advice content from the user terminal, instructs the contract execution unit to execute the second contract order. A multi-account investment advisory contract management service providing server.
According to claim 7,
The order input unit,
In order to order the second contract, an input of account selection among the user's plural accounts is received from the user terminal,
If the Advisory Execution Department directs the Contract Execution Department to order the second contract for the transfer of funds,
The contract execution department,
A multi-account investment advisory contract management service providing server, characterized in that transfer of funds between accounts selected by the user terminal to execute the second contract order.
A query step of checking account information of a user opened at a plurality of financial institutions;
A user information acquisition step of receiving and storing user information from a user terminal to support a multi-account investment advisory contract management service, and acquiring account information of the inquired user;
An order input step of receiving a first contract order for entering into a non-face-to-face investment advisory contract for a financial investment product based on the user accounts from a user terminal; and
A method of providing a multi-account investment advisory contract management service, comprising a contract execution step of collectively executing the entered first contract orders based on the user information.
An account information input step of receiving user account information opened at a plurality of financial institutions;
A user information acquisition step of receiving and storing user information from a user terminal to support a multi-account investment advisory contract management service, and acquiring the input account information of the user;
An order input step of receiving a first contract order for entering into a non-face-to-face investment advisory contract for a financial investment product based on the user accounts from the user terminal;
A method of providing a multi-account investment advisory contract management service, comprising a contract execution step of collectively executing the entered first contract orders based on the user information.
According to claim 9 or 10,
In the order input step, before receiving the first contract order based on the user accounts, multi-accounts further comprising the step of selecting an account to apply for the first contract order from among the user accounts. How to provide investment advisory contract management services.
According to claim 9 or 10,
The contract execution stage is,
If there is no existing account opened at a financial institution that satisfies the conditions for executing the first contract order, account opening is performed in bulk based on the information obtained in the user information acquisition step in a non-face-to-face manner. A method of providing multi-account investment advisory contract management services.
According to claim 9 or 10,
The contract execution stage is,
If there is no account already opened at a financial institution that satisfies the conditions for executing the first contract order, preparations are made to open an account in a non-face-to-face manner based on the information obtained in the user information acquisition step. , A method of providing a multi-account investment advisory contract management service, characterized by executing account opening using the account opening preparation progressed according to a final approval instruction from the user terminal.
According to claim 9 or 10,
After the first contract order is executed in the contract execution phase,
If it is determined that a second contract order is necessary for account operation, it further comprises an advisory execution step of sending advice regarding execution of the second contract order to the user terminal.
How to provide multi-account investment advisory contract management services.
According to claim 14,
After the advice execution step, when an execution instruction for the advice content is received from the user terminal, the step of instructing to execute the second contract order is characterized in that it further comprises
How to provide multi-account investment advisory contract management services.
According to claim 15,
If the above-mentioned second contract order is an order regarding fund transfer,
In order to order the second contract, an input of account selection among the user's plural accounts is received from the user terminal,
A method of providing a multi-account investment advisory contract management service, characterized in that transfer of funds between accounts selected by the user terminal to execute the second contract order.