KR20000050079A - Method for Serving Funds Investment using Internet - Google Patents

Abstract

PURPOSE: A method for mediating financial fund services using the internet is provided to utilize a new virtual investment attracting system openly operated, to reduce inconvenience of dealings generated between an user and the investment attracting system, and inconvenience of dealings caused by application to one-sided investment goods condition of the investment attracting system and absence of investment goods information when subscribing the investment goods. The method is provided to reduce procedure of the financial funds and processing charges, by connecting many real investment attracting system to the virtual investment attracting system, and by connecting investment attracting system presenting investment goods real to a condition presented by a corresponding investor through a free goods competition. CONSTITUTION: A method for mediating financial fund services using the internet comprises the steps as follows. A user demanding subscription of investment goods of the financial funds is connected to the internet to go through a network solution of a virtual financial funds on the internet acting for each investment attracting system. A subscription condition and private information of an internet user is registered through a network solution of the virtual financial funds and subscription of investment goods is requested. The information requested by a computer system of the internet user is registered to the network solution of the virtual financial funds, and investment goods and the registered information are transmitted to a computer system of each investment attracting system, through a computer system of the virtual financial funds. The computer system of each investment attracting system, retrieves its own goods, evaluates every investment goods information for a subscription condition of the financial funds demanded by the user and information provided from the computer system of the virtual financial funds, and transmits results to the computer of the virtual financial funds. And the computer system of the virtual financial funds, classifies or analyzes results evaluation and the goods information received from the computer system of each investment attracting system, selects investment goods and investment attracting system satisfying a goods condition for the user, and transmits a selected result to the computer system of the user.

Description

How to broker an Internet financial fund service {Method for Serving Funds Investment using Internet}

The present invention relates to a financial fund service using the Internet. More specifically, a virtual fund fund computer system is established in a cyber space and an investment attraction institution and an internet investor are provided through the virtual fund computer system. Internet financial fund service intermediation method that can be connected in real time to handle the fund business while exchanging various information related to investment products.

It is known to use the Internet to search for financial fund products and to sign up for such investment products. Financial institutions that attract such investment products are usually investment companies or securities companies. A method of selecting a general investment product is a form in which an investor, an internet user (1) using a computer system, directly accesses an investment attraction institution (3) through an internet (2) network and exchanges information therein. When the Internet user 1 connects with the investment promotion agency 3 via the Internet 2, the investment promotion agency 3 is provided with the conditions of the investor's commodities provided by the Internet user 1, such as the amount of investment desired and the fund. Inspect or negotiate the propensity, maturity, and termination conditions to inform the investment-induced products held in the form of a recommendation and attract investment funds according to its own application criteria.

The data processing of the investment promotion agency (3) to find a product corresponding to the commodity conditions desired by the investor is separately processed by its own customer management database (4) and the customer management sharing database (5), but it is integrated and processed. In order to do this, the investment promotion agency 3 shares customer information with each other, and investment products and attraction are determined by the own standards of the investment promotion agency 3.

FIG. 2 shows a flow chart of a fund attracting procedure which is processed by the regulation criteria of the investment promotion agency 3 when the Internet user 1 requests the investment promotion organization 3 to subscribe to the product through the Internet 2. FIG.

If the Internet user 1 first accesses the Internet 2 in the state of determining the investment attraction institution 3 (S1), or first accesses the Internet 2 and then selects the desired investment promotion institution 3 (S2). The selected investment promotion agency 3 guides the various investment products. If the Internet user 1 inputs the user information (identity information, assets, liabilities, etc.) in advance according to the investment product guide or according to the instruction of the relevant investment promotion agency 3 (S3), the entered user information is invested. The investment product suitable for the variables inputted and inputted into the data processing host of the bidding institution 3, for example, the investment desired amount and the investment period, is presented (S4).

The investor then synthesizes the requested input variables to determine whether they are suitable for the fund product of the relevant investment attraction institution (S5), and if they meet the handling criteria, proceeds with the approval process (S6), and the result is displayed to the Internet user. (S7), and similarly, if it does not meet the handling criteria, the result is sent to the Internet user with a notification of the cause of nonconformity (S7), and the processing of the financial fund business is terminated by the handling and rejection (S8).

In this case, when a specific investment attraction institution (3) is called through the Internet to apply for subscription to an investment product, an Internet user (1), a prospective subscriber, wants to make a desired investment from Company A, an investment attraction institution (3). The company refused to join the company because it was not recommended, but as a result of requesting to join B company other than A company and requesting this, a phenomenon occurs such as receiving notification that it can join the investment product under the desired conditions. This is because investment products are different and investment criteria are different for each investment attraction institution (3), and the important point is that the possibility of trading in investment products between the Internet users (1) and investment attraction institution B is blocked. In other words, even though Internet users and Company B can trade with each other, Internet users do not know Company B's investment products. It's like losing a chance.

Also, A and B clearly applied different investment products and subscription criteria. This is normal in the competition of commodity sales, but because financial products are different from other goods, this does not help to activate financial transactions. These phenomena appear irregularly according to the customer's perception known in advance as information.

On the other hand, among the financial investment services using the Internet has a partner financial investment computer system, when a customer applies for investment product subscription there is a service that transmits the conditions desired by the customer rather than real-time data transmission method. In other words, it is a form that transfers the amount, interest rate, expiration, and termination conditions that can be subscribed to the investment product from the head office or branch office of the computer system of the individual investment attraction institution by the Internet user to e-mail or data file. Since it is not a real-time service method, it takes a lot of time, and likewise, Internet users are independent of information related to investment product management unless they are connected to other investment promotion agencies.

As such, Internet users (1) are alienated from investment product subscription information that is advantageous to them because they do not know the details of different subscription criteria and investment products for each investment promotion institution (3). Despite being able to present the desired product sufficiently, the result is that the company loses the opportunity to sell competitive investment products by being alienated from the potential customers, which is caused by the failure to deliver the various investment product information desired by the customer to the desired place in real time. have.

Accordingly, an object of the present invention is to apply to the transaction inconvenience between the Internet user and the investment promotion agency or the unilateral investment product conditions of the investment promotion agency, and to reduce the inconvenience and disadvantages in the investment product subscription transaction caused by the absence of investment product information. To provide a financial fund service method using a new virtual investment promotion agency openly operated on the Internet.

Another object of the present invention is to present a investment product close to the conditions presented by the investor by free product competition by allowing a plurality of real investment promotion agencies to access a virtual investment promotion agency operating on the Internet according to a predetermined standard application. It connects investment promotion agencies to protect investors and reduce financial fund handling procedures and processing costs.

Features of the present invention for achieving this object,

When an Internet user accesses the Internet, acquires investment product information according to the guidance of an investment promotion agency, enters the information as data, and determines whether to handle it according to the data processing result of the investment promotion agency, and transmits the result to the Internet user. In the method of handling financial funds using the Internet,

Internet financial fund service method of the present invention,

Allowing a computer user who wishes to join a financial fund's investment product through a virtual financial fund network solution on the Internet on behalf of each individual investment agency after accessing the Internet through a computer terminal;

Registering a subscription condition and personal information of an internet user through the virtual financial fund network solution and requesting to join an investment product;

Registering the requested information from the internet user computer system into a virtual financial fund network solution and transmitting the investment products and registered information requested by the internet user to each investment promotion computer system through the virtual financial fund computer system;

Search for the company's products in the computer systems held by the respective investment promotion institutions, evaluate all the investment product information corresponding to the financial fund subscription condition requested by the user, and the information provided from the virtual financial fund computer system, and compare the result with the virtual finance. Sending it to the fund computer system,

The virtual financial fund computer system classifies or analyzes the product information and the evaluation result transmitted from each investment promotion institution computer system, selects an investment promotion institution and investment product that satisfies the product conditions desired by the user, and the result is the Internet user. Sending it to a computer system,

By intermediary of the financial fund computer system, the Internet user designates a desired investment promotion institution and investment products, and connects the investment promotion institution with the Internet user to guide the Internet user in an advantageous financial fund subscription.

1 is a block diagram illustrating a general Internet financial fund handling process

2 is a flowchart showing a conventional financial fund handling process using the Internet.

3 is a block diagram illustrating a procedure for handling a financial fund using the Internet according to the present invention.

4 is a flowchart illustrating a procedure for handling a financial fund using the Internet according to the present invention.

* Description of the symbols for the main parts of the drawings *

10: Internet user 20: Internet

30: Virtual Financial Fund Manager 40: Virtual Financial Fund Network Solution

50: virtual financial fund computer system 60: search engine

70: network server 80: investment attraction

90: database

When an Internet user who wants to join a financial fund connects to the Internet, the virtual financial fund network solution intermediates the Internet user and the investment attraction agency, and connects the investment promotion agency that provides the optimal product information and conditions to the Internet user in real time. As a result, transaction inconvenience caused by investment product selection or subscription can be reduced, and public product information can be shared between suppliers and consumers, thereby enabling real-time market trading.

3 is a block diagram of data processing associated with the handling of a financial fund using the Internet in accordance with the present invention.

Here, the code 10 is all Internet users including individuals or corporations and organizations, the code 20 is an internet network, the code 30 is a virtual financial fund operation manager corresponding to a website registered on the Internet, and 40 is a virtual financial fund operation manager. A virtual financial fund operation network solution operated and managed by 30, and 50 is a virtual financial fund computer system that performs the virtual financial fund network solution 40. Reference numeral 60 is a search engine provided for the purpose of enhancing data processing efficiency and retrieval function in operating the virtual financial fund network solution 40, and may be operated by the virtual financial fund computer system 50, and 70 is a virtual financial fund. Represents a network server for storing and managing all processing results operated by the network solution, and 80 represents a number of investments that have agreed to a commerce by a prior agreement or a trade agreement with a subject who operates the virtual financial fund operation manager 30. Institution ABC ..., and 90 represents a database in which personal information and product information held by each investment attraction institution 80 are stored.

The main financial fund joining procedure according to the present invention proceeds as follows.

An Internet user 10 who is a computer user who wishes to join a financial fund's investment product accesses the Internet 20 through a computer terminal, and then a virtual financial fund network solution on the Internet on behalf of each individual investment agency 80 (40). Requesting the investment product subscription by registering the subscription condition and personal information of the Internet user 10 through the virtual financial fund network solution 40, and requesting the requested information from the Internet user computer system. Registering in the virtual financial fund network solution 40, and transmitting the investment products and registered information requested by the Internet user to each investment attraction computer system through the virtual financial fund computer system 50, and each investment attraction institution ( 80) search all of its products in the computer system owned by Evaluating the investment product information and the information provided from the virtual financial fund computer system 50 and transmitting the result to the virtual financial fund network solution 40, and each investment attraction institution in the virtual financial fund computer system 50 Classifying or analyzing the product information and the evaluation result received from the computer system, selecting the investment attraction institution 80 and the investment product that satisfies the product conditions desired by the user, and transmitting the result to the Internet user computer system; By means of the intermediary of the financial fund computer system 50, the Internet user 10 may designate a desired investment attraction institution 80 and an investment product to connect the investment attraction institution 80 with the Internet user 10, which is advantageous to the Internet user. Follow the procedures and steps that guide you to join the financial fund.

A detailed example is shown in the flow chart of FIG. 4, which shows the application and subscription of investment products through the Internet, designation and connection of a suitable investment promotion institution, and detailed information on investment products through a virtual financial fund network solution. Example of processing.

When the Internet user 10 accesses the Internet through a wired or wireless network (S10) and calls the virtual financial fund operation manager 30, which is a website uploaded on the Internet (S11), the virtual financial fund operation manager 30 In step S12, the basic information data of the Internet user 10 including the personal information of the Internet user, a list required for the subscription of the received product, and the recognized product information is transmitted to the virtual financial fund network solution 40. Data that receives the Internet user 10 information data through the virtual financial fund network solution 40 and processes it into a suitable data file through the virtual financial fund computer system 50 or outputs the input data information as information. The process is executed (S13). When the information data received by the virtual financial fund network solution 40 is transmitted to the investment promotion institution 80 linked in advance (S14), investment attraction is based on the basic data received from the virtual financial fund network solution 40. The institution 80 classifies product recommendation and the like by applying its own standard and starts information processing through the database 90 (S15). Herein, the information or application criteria stored in the database 90 may be different or similar to each investment attraction institution 80, and criteria that are determined autonomously within the scope of ordinary investment products are applied.

The information data of the Internet user processed by the computer system of the investment attraction institution 80 is such as the appropriate goods and subscription conditions and the results of the information processing. It transmits to the solution 40 (S16).

In the virtual financial fund network solution 40, the data sent from each investment promotion institution 80 is collected and the processing instruction is given to the virtual financial fund computer system 50 to classify the investment promotion institution 80 that presents an optimal condition. In order to start the classification work, the conditions include the personal information (personal information, assets, liabilities, etc.) and investment product conditions (investment amount, fund, etc.) provided by the Internet user among the various conditions proposed by each investment promotion institution (80). (S17) classifies the investment attraction institution (80) presenting the goods close to the various conditions included in the propensity, maturity, termination conditions, etc. (S17).

In order to reinforce various product information retrieval functions presented to each investment attraction institution 80 in step S17, a search engine 60 for searching data transmitted from the investment attraction institutions 80 may be utilized. When (S17) is finished, the investment product that satisfies the investment conditions intended by the Internet user to the maximum is recommended along with the investment attraction institution (80). After notifying the result of recommendation and selection by the virtual financial fund computer system 50 and asking whether the investment product can be subscribed (S18), if it is possible to directly connect the Internet user 10 and the investment promotion agency 80, Terminate the handling of financial fund (S19 ~ S20).

In steps S10 to S20, the internet user 10 and the investment promotion agency 80 input simple information designated by the virtual financial fund network solution 40 built on the Internet site without directly exchanging information related to the received product. Just by doing so, you will receive recommended treatment results and products related to joining the financial fund.

The virtual financial fund network solution 40 is a collection of several different investment promotion agencies 80 in one place. Here, the virtual financial fund computer system 50 is collected by collecting various conditions proposed by each investment promotion agency 80. Through the processing through the recommendation of the investment product 80 and investment products that present the optimal conditions to the Internet user 10 corresponding to the desired customer to subscribe to the recommended product is presented.

The Internet user 10 as a consumer does not need to be familiar with the different investment product application criteria applied by each investment promotion agency 80, and all investment promotion organizations that are applied in real time even though the recognition of the investment product information is low. The investment product of the investment promotion institution 80 may be selected to present the most favorable condition among the investment product conditions of 80). As a result, inconveniences in transaction between the attracting institution and those who wish to join the financial fund or financial fund subscription transactions caused by lack of investment product information are reduced.

Here, the procedure or approval of the financial fund can be changed according to a separate agreement between the network operator and each investment promotion agency participating in it. For example, the final decision on the acceptance of the incoming product can be processed in a virtual financial fund computer system in accordance with the agreement, or by the recommended investment promotion agency as shown in the flow chart of FIG. It is also possible to designate and carry out handling trains.

In addition, the existing Internet interbank transfer service method can satisfy the way that Internet users can freely accumulate or transfer investment funds by agreement with only one parent account.

The present invention induces an individual investment attraction institution to access a network solution virtually established on the Internet according to the application of a predetermined standard, thereby connecting the investment product candidates proposed by the investment promotion institution by free competition. Financial fund sales can be activated by reducing the processing speed or processing costs, and the application of financial fund handling transaction methods can be applied to general financial institutions, securities companies, and mutual funds. You can register, participate, and openly sell your products to the unspecified majority on an easy basis through competition.

According to the present invention, an Internet-enabled customer who wants to join a financial fund can obtain an advantageous investment product among various product information of each investment promotion institution by acting as an intermediary by a virtual financial fund network solution that can interface with each investment promotion institution in real time. There is less time to visit or access various investment promotion agencies over the Internet to select better products, and it is operated under the agreement between the investment promotion agency and the network operation manager, ensuring the security of financial fund transactions. There is an effect that can help to activate the fund trading.

Claims (2)

When an Internet user accesses the Internet, acquires investment product information according to the guidance of an investment promotion agency, enters the information as data, and determines whether to handle it according to the data processing result of the investment promotion agency, and transmits the result to the Internet user. In the method of handling financial funds using the Internet, Allowing a computer user who wishes to join a financial fund's investment product through a virtual financial fund network solution on the Internet on behalf of each individual investment agency after accessing the Internet through a computer terminal; Registering a subscription condition and personal information of an internet user through the virtual financial fund network solution and requesting to join an investment product; Registering the requested information from the internet user computer system into a virtual financial fund network solution and transmitting the investment products and registered information requested by the internet user to each investment promotion computer system through the virtual financial fund computer system; Search for the company's products in the computer systems held by the respective investment promotion institutions, evaluate all the investment product information corresponding to the financial fund subscription condition requested by the user, and the information provided from the virtual financial fund computer system, and compare the result with the virtual finance. Sending it to the fund computer system, The virtual financial fund computer system classifies or analyzes the product information and the evaluation result transmitted from each investment promotion institution computer system, selects an investment promotion institution and investment product that satisfies the product conditions desired by the user, and the result is the Internet user. Internet financial fund service brokerage method comprising the step of transmitting to a computer system. The method of claim 1, Internet brokerage service brokerage, characterized in that by the mediation of the financial fund computer system to designate the investment promotion institution and investment products desired by the Internet user directly connected to the investment promotion institution with the Internet user.