KR20100036508A - System and method for processing financial goods investment linked affiliated store terminal and program recording medium - Google Patents

Abstract

The present invention relates to a financial product investment processing method and system associated with an affiliated store terminal and a program recording medium therefor. The financial product investment processing method associated with an affiliated store terminal according to the present invention provides a payment method for purchasing a non-tangible product through an affiliated store terminal. Transmitting, at the terminal, card information of a customer who purchases goods and unique product information of a purchased product to a server on a network; confirming customer information corresponding to the transmitted customer card information at a server; Confirming information of the tangible and intangible product producers (or sellers or intermediaries) corresponding to the unique product information, providing the customer information and the purchase product unique information to the identified tangible and intangible product producers (or sellers or intermediaries); , The product producer (or seller) to the provided customer information and purchase product specific information Investing a portion of the corresponding commodity sales amount.

Merchant, terminal, product, purchase, investment

Description

System and Method for Processing Financial Goods Investment Linked Affiliated Store Terminal and Program Recording Medium}

1 is a view showing an information registration system for investment in financial products of tangible and intangible product sales amount according to another embodiment of the present invention.

2 is a diagram illustrating a process of registering product sales amount investment information for investment in financial products of tangible and intangible product sales amount according to one embodiment of the present invention.

3 is a view showing a product specific information registration system for investment in financial products of tangible and intangible product sales amount according to an embodiment of the present invention.

4 is a diagram illustrating a functional configuration of an affiliated store terminal transmitting card information and product purchase information to a relay server for investment in financial products of tangible and intangible product sales according to one embodiment of the present invention.

5 is a diagram illustrating a process of registering financial product investment agreement information for investment in financial products of tangible and intangible product sales amounts according to one embodiment of the present invention.

6 is a diagram illustrating a face-to-face financial product subscription system for investment in financial products of a product sales amount according to one embodiment of the present invention.

7 is a diagram illustrating an implementation method in which a storage medium for storing financial product investment history information corresponding to a financial product subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

FIG. 8 includes a database in which a storage medium storing financial product investment history information corresponding to a financial product subscribed to in a face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method.

9 is a diagram illustrating an implementation method including a DBMS provided in a banking server, a storage medium storing financial product investment history information corresponding to a financial product subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. .

10A and 10B are diagrams illustrating a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to one embodiment of the present invention.

11A and 11B are diagrams illustrating a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a non-face-to-face financial product subscription system for investment in financial products of a product sale amount according to another embodiment of the present invention.

14 is a diagram illustrating an implementation method in which a storage medium storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

15 is a database in which a storage medium storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner is connected to a ledger D / B provided in a DBMS on a financial system according to another embodiment of the present invention. It is a figure which shows the implementation method containing.

FIG. 16 is a view showing an implementation method including a DBMS provided in a banking server, a storage medium storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. to be.

17A and 17B are diagrams illustrating a financial product subscription processing process for investment in financial products of a product sale price in a non-face-to-face manner according to one embodiment of the present invention.

18A, 18B, and 18C are diagrams illustrating a financial product subscription processing process for investment in financial products of a product sale amount according to one embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: storage medium

The present invention is to transmit the card information, the purchase product specific information of the product purchase customer from the terminal to the server on the network, and the customer information corresponding to the customer card information transmitted from the server at the terminal Confirming, checking the tangible and intangible commodity producer (or seller or intermediary) information corresponding to the transmitted unique product information on the server, and the customer as the identified tangible and intangible commodity producer (or seller or intermediary) on the server. Providing information and unique product information, and the product producer (or seller) in connection with the merchant terminal including investing a portion of the product sales amount corresponding to the provided customer information and the unique product information. The present invention relates to a method for processing investments in financial instruments.

The development of information technology has led to a quantum leap in electronic commerce, but there is still an off-line commerce, and it is time to find ways to attract such off-line commerce customers.

In addition, tangible and intangible merchandise sellers should develop services that benefit both the merchandise seller and the customer while providing more interest to the customer rather than giving the customer simple benefits (eg, earning points, miles, etc.). It's time.

An object of the present invention for solving the above problems, the merchant terminal for transmitting the card information, purchase product specific information of the product purchase customer to the server on the network, and the customer card information transmitted from the merchant terminal at the time of payment of tangible or intangible product purchase Checking the customer information, the server and the terminal to provide the identified customer information and purchase product unique information to the tangible or intangible product producer (or seller or intermediary) corresponding to the purchase product unique information, the product producer (or seller or intermediary) The present invention provides a financial product investment processing system associated with a merchant terminal including a financial product subscription server that receives a financial product investment request and invests a part of the product sales amount in the financial product.

In accordance with an aspect of the present invention, there is provided a method for processing investment in a financial product associated with a merchant terminal, the method comprising: transmitting card information and product specific information of a product purchase customer from a terminal to a server on a network when purchasing a tangible or intangible product through a merchant terminal; Confirming the customer information corresponding to the transmitted customer card information at the server, checking the tangible or intangible product producer (or seller or intermediary) information corresponding to the transmitted unique product information at the server, and checking at the server. Providing the customer information and the purchased product unique information to the tangible or intangible product producer (or the seller or the intermediary), and the product producer (or the seller) a part of the sale price of the product corresponding to the provided customer information and the purchased product unique information. Characterized in that it comprises a step of investing in financial products.

According to the present invention, the step of confirming the customer information corresponding to the transmitted customer card information in the server, via the card information database provided (or linked) in the server, or connected to the server via a network It is characterized by checking in conjunction with the financial company server.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the financial product investment processing method associated with the merchant terminal described above.

On the other hand, the financial product investment processing system associated with the merchant terminal according to the present invention, the merchant terminal for transmitting the card information, purchase product specific information of the product purchase customer to the server on the network, when the payment of the tangible or intangible product, and the merchant terminal from the merchant terminal Check the customer information corresponding to the customer card information, the server and the terminal for providing the identified customer information and purchase product unique information to the tangible or intangible product producer (or seller or intermediary) corresponding to the purchase product unique information And a financial product subscription server that receives a producer (or seller or intermediary) financial product investment request and invests a portion of the product sales amount in the financial product.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples are used to properly modify, integrate, or separate the terminology so that those skilled in the art can clearly understand the essential technical features of the present invention. However, the present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing an information registration system for investment in financial products of tangible and intangible product sales amount according to another embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer (e.g., a product producer, a product seller, a product broker, etc.) is provided with an information registration system through a predetermined information registration interface for investment in financial products of the sales amount of the tangible and intangible goods, using the information registration system, If the product sales amount investment information including at least one sale amount investment condition information and the profit distribution condition information is provided, the information registration system may include the tangible and intangible product information and sale amount investment condition information included in the provided product sale amount investment information. , Which relates to a system configuration for linking the profit distribution condition information and storing the received distribution condition information in a predetermined storage medium 125, and has a general knowledge in the art to which the present invention pertains. Various implementation methods for information registration system for investment of financial products It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing product sales price investment information provided from the customer on the storage medium 125 via a predetermined information registration interface on the information registration system shown in FIG. The component is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the information registration system for investment in financial products of the sales amount of tangible and intangible products includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. And an information registration terminal including the information registration terminal, wherein the information registration terminal is connected to the information registration server 100 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the product sales amount investment information for investment of the financial product of the tangible and intangible product sales amount is input (or selected) through at least one user interface provided by the registration server 100, the client terminal receives the information through the predetermined network means. It is preferable to transmit to the information registration server 100 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the client terminal and the information registration server 100 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

The client terminal may output at least one user interface provided by the information registration server 100, input or select at least one information through the user interface, and transmit the information to the information registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the information registration server 100. The customer performs a function of an information registration interface for registering the product sales amount investment information including tangible and intangible product information, sales amount investment condition information, profit distribution condition information for the financial product investment of the tangible and intangible product sale amount.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown) or at least one predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or at least one affiliated with the financial institution. Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) connect the information registration server 100. A wired telephone network or a wireless telephone network performs a function of an information registration interface for the customer to register product sales amount investment information for investment in financial products of the tangible and intangible product sales amount, or is affiliated with the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution, a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 100 may be used. Product sales amount including the tangible and intangible product information, sales amount investment condition information, profit distribution condition information for the customer to invest the financial product of the sale amount of the tangible and intangible products It performs the function of the information registration interface for registering the party information.

The storage medium 125 provided on the information registration system according to the present invention stores the tangible and intangible product information, the sale price investment condition information, and the profit distribution condition information included in the product sale price investment information provided from the information registration terminal. And storing at least one commodity information, sales amount investment condition information, and profit distribution condition information stored in the storage medium 125. The investment information is used for investment in financial products of the sales amount of the tangible and intangible products.

The tangible and intangible product information may include one or more of a product name, a product type, a price, a producer-specific information, a seller-specific information, and a product unique number (or code) for the tangible and intangible product in which all (or part) of the sales amount is automatically invested in a specific financial product. It is preferable to comprise.

The sale price investment condition information may include one or more of the amount sold (or a percentage of the investment amount), the investment period, the target financial product, and the investment limit when the tangible and intangible products are sold. It is preferable to comprise.

The profit distribution condition information may be obtained by participating in the investment (or agreeing) the generated profit when the tangible or intangible product is sold and a part of the selling amount is invested in a predetermined financial product, and then a profit is generated according to the operation of the financial product. It is preferable to include one or more of a profit distribution ratio (%), a distribution period, a distribution method (for example, an account registered by a customer), and the like, for distribution to a customer who purchases the tangible or intangible product.

According to one embodiment of the invention, the storage medium 125 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage The medium 125 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the above, and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface provider 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) a predetermined product sales amount investment information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 115 for receiving investment information of a predetermined product sales amount inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; and the received product sales amount Information stored in a predetermined storage medium 125 by linking and processing the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information included in the investment information. It is characterized by comprising a storage unit 120.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) product sales amount investment information and transmit it to the information registration server 100 through the network means, or extract from a predetermined database (not shown); It characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 105 to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the product sales amount investment information including at least one of the tangible and intangible product information, the sales amount investment condition information, and the profit distribution condition information based on the user interface. Or the selected) sales price investment information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the merchandise sales amount investment information to the information registration terminal and transmitting the investment information to the information registration server 100 through the network means. If the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, thereby the present invention is not limited.

The information receiving unit 115 inputs (or selects) product sales amount investment information including at least one of tangible and intangible product information, sales amount investment condition information, and profit distribution condition information through the user interface at the information registration terminal. When transmitting through a network means, it is characterized in that the product sales amount investment information is received in conjunction with the interface unit 105, and provides the received product sales amount investment information to the information storage unit 120.

The information storage unit 120 stores the storage medium 125 by linking the tangible and intangible product information, the selling price investment condition information, and the profit distribution condition information included in the product selling price investment information. When the storage medium 125 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 120 receives the received merchandise sales amount investment information. It is preferable that the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information included in the storage medium 125 are stored in a linked process.

2 is a diagram illustrating a process of registering product sales amount investment information for investment in financial products of tangible and intangible product sales amount according to one embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the information registration server 100 on the information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 100 to connect the communication channel for information registration according to the present invention, the information type, intangible product information, sales amount investment condition information, profit distribution to the information registration server 100 through the communication channel When the product sales amount investment information including condition information is transmitted, the information registration server 100 links the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information included in the received product sales amount investment information. The present invention relates to a method of processing and storing the same in a predetermined storage medium 125. If it is a pendulum, it is possible to infer various implementation methods for registering the product sales amount investment information from the client terminal to the information registration server 100 by referring to or modifying the present invention, but the present invention is inferred from all It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the information is registered in the client terminal. The tangible and intangible product information, sales amount investment condition information, and profit distribution condition information transmitted to the server 100 are referred to as "product sale amount investment information" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through the communication network or the IEEE 802.16x-based mobile Internet, etc. to register the investment information of the product sales amount, and selling the product for the financial product investment of the sales amount of the tangible or intangible product. When requesting the amount investment information registration (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the product sales amount investment information (205), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) product sales amount investment information including at least one of the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information. It is preferred to include an interface.

In addition, the web page transmission or output process is preferably performed at least once according to the product sales amount investment information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) product sales amount investment information including at least one or more tangible and intangible product information, sales amount investment condition information, and profit distribution condition information through the information registration interface (215).

If the terminal inputs (or selects) product sales amount investment information including the tangible and intangible product information, sales amount investment condition information, and profit distribution condition information through the information registration interface (220), the terminal receives the communication channel. The input (or selected) through the inputted (or selected) information, sales amount investment condition information, revenue distribution condition information is transmitted to the server (225).

According to the exemplary embodiment of the present invention, transmitting the input (or selected) tangible or intangible product information, sales amount investment condition information, and profit distribution condition information to the server through the communication channel is input through the information registration interface ( Alternatively, the method may further include transmitting the selected product sales amount investment information to the server by digitally signing or encrypting the security information provided in the terminal.

Thereafter, the server receives and reads the tangible and intangible product information, the selling price investment condition information, and the profit distribution condition information through the communication channel to check the validity of the selling price investment information 230.

According to an embodiment of the present invention, checking the validity of the product sales amount investment information may include investing the product sales amount if the product sales amount investment information is electronically signed or encrypted through a security module provided in the terminal. Decoding the information, or may further comprise decoding the product sales amount investment information.

If the validity of the product sales amount investment information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240), and the product sales amount investment information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the product sales amount investment information is authenticated (235), the server performs an information registration procedure corresponding to the product sales amount investment information, thereby providing the tangible and intangible product information, sales amount investment condition information, and profit distribution condition. The information is linked and stored in a predetermined storage medium 125 (245).

According to one embodiment of the invention, the storage medium 125 is preferably provided in a DBMS provided on the information registration system or a DBMS on a financial system associated with the information registration system.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (250), thereby completing the procedure of registering the investment information of the merchandise sales amount transmitted from the terminal.

3 is a diagram illustrating a product specific information registration system for investment in financial products of tangible and intangible product sales amount according to one embodiment of the present invention.

In more detail, FIG. 3 shows card information and product purchase information for a financial product investment of the sales amount of the tangible and intangible goods through a product registration information registration system through a information registration interface provided to a merchant terminal by a customer who purchases a certain tangible and intangible product. When the financial product investment agreement information including at least one or more information is provided, the card information and product purchase information included in the provided financial product investment agreement information may be cooperatively processed in the product specific information registration system to a predetermined storage medium 340. The present invention relates to a system configuration for storing and confirming tangible or intangible product producer (or seller) information corresponding to the financial product investment agreement information, and providing the financial product investment consent information to the identified tangible or intangible product producer (or seller). Those skilled in the art to which the present invention pertains may refer to FIG. 3 or It will be possible to infer various implementation methods for the configuration of the product specific information registration system for investment in financial products of the sales amount of tangible and intangible products, but the present invention includes all the implementation methods inferred above, the implementation shown in Figure 3 It is not limited to the method alone.

Hereinafter, the financial product investment consent information provided from the customers of the tangible and intangible product through the information registration interface provided in the merchant terminal on the product specific information registration system shown in FIG. 3 is stored in the storage medium 340, and the financial Corresponding to at least one means or functional configuration for identifying the tangible and intangible commodity producer (or seller) information corresponding to the commodity investment consent information and providing the financial product investment consent information to the identified tangible and intangible commodity producer (or seller). The component is referred to as "relay server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, a product specific information registration system for investment in financial products of the sales amount of the tangible and intangible products may include a merchant terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises at least one information registration terminal, the information registration terminal is connected to the communication channel and the relay server 300 provided on the product specific information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the tangible and intangible product unique information and the card information purchased by the tangible and intangible product purchase customers may be obtained through at least one or more affiliated store terminals, either a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Provided to the relay server 300, financial product investment agreement information (card information, product purchase information) for the financial product investment of the tangible and intangible product sales amount through at least one user interface provided by the relay server 300 When inputting (or selecting), it is preferable to transmit from the affiliated store terminal to a relay server 300 provided on the product specific information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the affiliated store terminal and the relay server 300 may include a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless data depending on a type of wireless communication network connected to the affiliated store terminal. It is preferable that any one of the communication networks, or a wireless communication network of all kinds proposed in the future including a predetermined wireless interval.

In addition, the affiliated store terminal outputs at least one or more user interfaces provided by the relay server 300, and inputs or selects at least one or more information through the user interface and transmits them to the relay server 300. (E.g., a professional communication function or a predetermined communication program and communication function for communicating with the relay server 300) is preferably provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the affiliated store terminal corresponding to at least one or more wired terminals or wireless terminals, and a detailed description thereof will be omitted for convenience.

In the product specific information registration system as described above, at least one of connecting the affiliated store terminal and the relay server 300 to an affiliated store terminal for transmitting the card information and the product purchase information of the tangible and intangible product purchase customer to the relay server 300. One or more wired or wireless communication networks perform a function of an information registration interface for the customer to register financial product investment agreement information for the financial product investment of the tangible and intangible product sales amount.

The storage medium 340 provided on the product specific information registration system according to the present invention stores the predetermined information by linking the card information and the product purchase information included in the financial product investment agreement information provided from the information registration terminal. And a financial product investment agreement information including at least one of the card information and the product purchase information stored in the storage medium 340 for investment in the financial product of the sales amount of the tangible and intangible products. Is used.

The card information preferably includes a card number, an expiration date, and the like corresponding to a card used by the customer who purchased the tangible and intangible goods for payment.

The product purchase information is a product name, product type, price, producer-specific information, seller-specific information, product for the tangible or intangible product in which all (or part) of the sales amount generated by the customer's product purchase is automatically invested in a specific financial product. It is preferable to include one or more unique number (or code).

According to an embodiment of the present invention, the storage medium 340 is preferably provided in a DBMS provided on the product specific information registration system or a DBMS on a financial system linked to the product unique information registration system. The present invention is not limited.

The relay server 300 provided on the product unique information registration system according to the present invention is a generic term for the components of the product unique information registration system connected to the information registration terminal through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the relay server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a merchant terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the affiliated store terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the affiliated store terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the affiliated store terminal, the interface unit 305 connects a communication channel with the affiliated store terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the affiliated store terminal is provided with a communication program (eg, a professional communication program) provided by the relay server 300, the interface unit 305 connects a communication channel with the affiliated store terminal based on the dedicated network. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a merchant terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a merchant terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the merchant terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the affiliated store terminal, the interface unit 305 connects a communication channel with the affiliated store terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Referring to FIG. 3, the relay server 300 connects a communication channel with the relay server 300 through the interface unit 305 and then interworks with the interface unit 305. A professional receiving unit 315 for receiving a payment approval request message including card information and product purchase information transmitted from the information registration terminal and a financial company server corresponding to the card information included in the received payment approval request message When the professional processing unit 320 for processing an approval response to the payment approval request text and a payment approval response text corresponding to the payment approval request text are generated (or extracted or provided), the payment approval response text is sent to the interface unit. A tangible product seller corresponding to the product purchase information included in the specialized transmission unit 310 and the received financial product investment agreement information transmitted to the affiliated store terminal through 305 ( Includes an information provider 325 for identifying a producer, an information provider for providing financial investment agreement information including the customer information to the identified tangible or intangible product seller (or producer) server, and the customer information. And an information storage unit for linking and processing the financial product investment agreement information and the tangible and intangible product seller (or producer) information in the storage medium 340.

4 is a diagram illustrating a functional configuration of an affiliated store terminal 400 transmitting card information and product purchase information to a relay server for investment in financial products of tangible and intangible product sales according to one embodiment of the present invention.

In more detail, Figure 4 is for an embodiment of the merchant terminal 400 that provides card information and product purchase information to the relay server for investment in financial products of the sales amount of tangible and intangible products, which is generally in the art to which the present invention pertains. Those with knowledge of the present invention can infer the configuration of various merchant terminal 400 functions to provide card information and product purchase information to the relay server for investment in financial products of tangible and intangible product sales amount by referring to or modifying the drawing 4. It will be appreciated, however, that the technical features of the present invention are not limited by this drawing 4 but include all the inferred implementation methods.

Referring to FIG. 4, the merchant terminal 400 that provides card information and product purchase information to a relay server for investment in financial products of tangible and intangible product sales is basically a control unit 405, a memory unit 450, and a card reader. Power supply for supplying power to the unit 410, the key input unit 420, the screen output unit 415, the communication processing unit 430, the security application module 435, the print output unit 440 and the affiliated store terminal 400 It comprises a supply unit 425, and comprises at least one or more terminal functional unit (not shown) according to the intention of the skilled person.

The control unit 405 controls the overall operation of the affiliated store terminal 400 in function configuration, manages the flow of information or data between each component, and card information and product purchase information for investment in financial products of tangible and intangible product sales amounts. Characterized in that interlocking and controlling at least one component provided in the affiliated store terminal 400 to provide a relay server, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) in hardware At least one processor, an execution memory (for example, a register or a random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and software-specifically characterized by the merchant terminal 400 It is loaded by the processor from the predetermined recording medium into the execution memory to perform a function. It includes a predetermined program routine (Routine) or program data (hence, the recording medium provided in the affiliated store terminal 400 to provide card information and product purchase information to the relay server for investment in financial products of tangible and intangible product sales amount) A predetermined program recorded in the control unit or a functional component provided in the affiliated store terminal 400, which can be processed by software, is provided in the controller 405.

According to the exemplary embodiment of the present invention, the control unit 405 outputs a component (eg, the memory unit 450, the card reader unit 410, the key input unit 420, and a screen) provided in the affiliated store terminal 400. The merchant 400 interoperates with the unit 415, the communication processor 430, the security application module 435, the print output unit 440, or a terminal function unit (not shown) according to the intention of the person skilled in the art. Controlling and managing providing a defined electronic payment service, as well as provided to the affiliated store terminal 400 to provide card information and product purchase information to a relay server for investment in financial products of tangible and intangible product sales according to the present invention. The recording medium provided in the affiliated store terminal 400 to control the components interoperating with each other, or to provide card information and product purchase information to a relay server for investment in financial products of the sales amount of the tangible and intangible products. It is preferable to execute the program recorded in the.

The memory unit 450 may input or output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the affiliated store terminal 400 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine required for the control unit 405 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is done.

In order to provide card information and product purchase information to a relay server for the financial product investment of the amount of the tangible and intangible product sales according to the present invention through the merchant terminal 400, the customer who purchases the tangible and intangible products is based on the ISO / IEC 7810 standard. At least one MS (Magnetic Stripe) card or contact IC card (or wireless IC chip) based on ISO / IEC 7816 standard, or contactless IC card (or wireless IC chip) based on ISO / IEC 14443 standard The card reader unit 410 is characterized in that it provides an interface for reading at least one or more information or data included in the card.

According to the exemplary embodiment of the present invention, the card reader unit 410 is an MS reader unit that provides an interface between the MS card and the affiliated store terminal 400, or an interface between the contact IC card and the affiliated store terminal 400. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the merchant terminal 400.

The MS reader unit is a card reader unit 410 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. By using the loading is characterized in that the predetermined information or data from at least one or more tracks (Track) provided in the MS of the MS card to interface with the merchant terminal 400.

The contact IC reader unit is a card reader unit 410 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the merchant terminal 400.

The contactless IC reader unit is a card reader unit 410 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It comprises an antenna, the power supply to the IC chip of the IC card through the antenna, and through the half-duplex (Half Duplex) type transaction using the APDU to the predetermined information or data from the IC chip merchant terminal ( 400).

According to an exemplary embodiment of the present invention, the card reader unit 410 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 410 for the electronic payment service defined in the affiliated store terminal 400. The payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account), and also investment in financial products of the sales amount of tangible and intangible products according to the present invention. In order to provide card information and product purchase information to the relay server, it is preferable to read predetermined card information from at least one or more cards.

According to the method of the present invention, the card information preferably comprises a card number corresponding to the card.

The key input unit 420 includes a predetermined key input device including at least one key button including at least one number key, a character key, or a function key. Detects information (or a signal) inputted from the terminal, and inputs predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the affiliated store terminal 400 controlled by the controller 405. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 405. The controller 405 Acquire predetermined key data corresponding to the key event in the current input mode or operation mode of the affiliated store terminal 400, or perform a predetermined function defined by matching the key event. Characterized in that for obtaining a command for performing. The key input unit 420 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the affiliated store terminal 400.

The key input device interoperating with the key input unit 420 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a character key (for example, an English character key or a Korean character key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an exemplary embodiment of the present invention, the key input unit 420 may provide key data (eg, a payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the affiliated store terminal 400. It is preferable to perform the function of the key input means for receiving the input), and also to provide the card information and the product purchase information to the relay server for investment in the financial products of the sale amount of tangible and intangible products according to the present invention from the key input device It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing the card information and the product purchase information to the relay server for the investment of the financial product of the tangible and intangible product sales amount.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 420 may set the operating mode of the affiliated store terminal 400 in the initial mode or the general payment mode, to sell the financial product of the amount of the intangible / intangible product according to the present invention. It is preferable that a predetermined key button is provided to provide card information and product purchase information to the relay server for investment.

The screen output unit 415 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 405 in the process of the merchant terminal 400 performing a predetermined function (for example, an electronic payment processing function). At least one or more information or data that is predefined or defined in real time to be output to a predetermined output device including a) through a predefined interface screen, the screen output unit 415 and the screen Output devices interoperate with each other to perform a function of screen output means provided in the affiliated store terminal 400.

The information or data predefined to be output from the affiliated store terminal 400 to the screen output device may be provided by key data input through the key input unit 420 or a component provided in the affiliated store terminal 400. At least one or more information (or data) stored or generated, information (or data) transmitted / received through the communication processor 430, or (or data) corresponding to a predetermined operation result performed by the affiliated store terminal 400. It is made to include.

According to a preferred embodiment of the present invention, the screen output unit 415 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the merchant terminal 400 It is preferable to perform the function of the output means, and to provide the card information and the product purchase information to the relay server for investment in the financial products of the sales amount of the tangible and intangible products according to the present invention. It is preferable to perform a function of a screen output means for outputting a processing screen corresponding to the step of providing the card information and the product purchase information to the relay server for the investment of financial products.

The communication processor 430 may be a relay server that is connected through a payment network (eg, a value added network (VAN)) in a process in which the affiliated store terminal 400 performs a predetermined function (for example, an electronic payment processing function) or Predetermined for connecting a communication session with a terminal (or device) connected to the affiliated store terminal 400 through a predetermined cable or a terminal (or device) connected to the affiliated store terminal 400 through a predetermined short range wireless communication. And a network communication unit for connecting a predetermined communication channel with a relay server on a wired or wireless network, or for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port. Open a predetermined communication session with a predetermined short range communication terminal (or device) device through a cable communication unit or at least one short range wireless communication means. Comprised, including the short-range wireless communication unit for, comprises a communication protocol or a driver for connecting the communication channel (or communication session) by software.

The network communication unit includes a predetermined wired network or a mobile communication network or wireless data including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Modem for connecting the relay server and the communication channel on the wired or wireless network through a predetermined wireless network including a communication network, the hardware (modem) for connecting the merchant terminal 400 to a predetermined wired or wireless network It includes a network interface card (NIC), and includes a communication protocol or a driver for connecting the affiliated store terminal 400 to the wired or wireless network in software.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for a short range wireless communication, and comprises a communication protocol or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The secure application module (435) is a confidentiality (Authentication) or authentication (Authentication) or integrity required in the process of the merchant terminal 400 to perform the electronic payment or electronic payment using the card ( As a safety device for performing security requirements including Integrity) or nonrepudiation in a secure and reliable structure within the merchant terminal 400 without using an authentication server (or a relay server) on a payment network. In addition, the merchant terminal 400 encrypts or decrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (for example, an electronic payment or electronic payment function), and forgery (or Add an authenticator to prevent tampering, or store important information in the process of performing the security request function. It is characterized by performing a function.

In general, the security application module 435 is preferably composed of a predetermined security application module 435 inserter and the security application module 435 chip, the security application module 435 chip is a chip containing at least 8-bit CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 435 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc. required for the merchant terminal 400 to perform a predetermined security request function) ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove command) It is preferable to comprise a).

The print output unit 440 is a process in which the merchant terminal 400 performs a predetermined function (for example, an electronic payment processing function) or predetermined information or data generated as a result (for example, payment processing result information or data). To a predetermined printing device 445 (for example, a receipt printer), and a printing protocol for printing the print information or data through the predetermined printing device 445 according to a predefined printing form. And a driver.

Referring to Figure 4, the merchant terminal 400 to provide the card information and product purchase information to the relay server for investment in financial products of the sale amount of tangible and intangible goods according to the present invention, the operation mode of the merchant terminal 400 Mode confirmation unit 455 to determine whether the information providing mode for providing the card information and the product purchase information to the relay server for the investment of the financial product of the tangible and intangible product sales, and the operation result of the affiliated store terminal 400 If the mode is the information providing mode, predetermined card information for providing card information and product purchase information to a relay server for the financial product investment of the tangible and intangible product sales amount from the customer card through the card reader unit 410 is provided. To read or enter a financial product investment of the sales amount of the tangible and intangible goods from a predetermined key input means through the key input unit 420. Enter the input information for providing the card information and product purchase information to the relay server, or the card for investment in the financial product of the sale amount of the tangible and intangible goods from at least one terminal (or device) through the cable communication unit or the short-range wireless communication unit Payment including at least one information input unit 460 for extracting and inputting the extraction information for providing information and product purchase information to the relay server, and the card information and product purchase information input through the information input unit 460 A full text generation unit 465 for generating a full text of an approval request, a full text transmission unit 470 for transmitting the generated payment approval request full text to a relay server on a payment network through the communication processing unit 430, and the communication processing unit ( The payment processing history corresponding to the full payment approval request message is transmitted from the relay server on the payment network through 430. A professional processing unit 475 for receiving a payment approval full text including the payment approval, and outputting the payment processing details included in the payment approval full text through the screen output unit 415 or printing the output through the print output unit 440. It is characterized by comprising a).

The mode checking unit 455 may be configured to periodically purchase card information and product purchases in order for the operation mode of the affiliated store terminal 400 to invest in the financial product of the tangible and intangible product sales amount periodically (or in response to the information transmission mode switch key event). Characterized in that the information providing mode for providing information to the relay server.

If the check result is that the operating mode of the affiliated store terminal 400 is not the information providing mode, the affiliated store terminal 400 performs the conventional electronic payment processing function, while the operating mode of the affiliated store terminal 400 is the information. When it is confirmed that the provision mode, the mode confirmation unit 455 outputs the information providing mode check result through the screen output unit 415, and then provides it to the information input unit 460.

The information input unit 460, the card reader unit 410 to process the electronic payment corresponding to the information providing mode for providing the card information and product purchase information to the relay server for investment in the financial product of the tangible and intangible product sales amount The card information and product purchase information is provided to the relay server for investment in the financial product of the sales amount of the tangible and intangible goods from the customer card, and the inputted card information is inputted. The full text generation unit 465 is provided.

In addition, the information input unit 460 is configured to process the electronic payment corresponding to the information providing mode for providing card information and product purchase information to a relay server for the financial product investment of the sales amount of the tangible and intangible products. And a product purchase information for providing card information and product purchase information to a relay server for the financial product investment of the tangible and intangible product sales amount from a predetermined key input means through 420. Information is provided to the full text generation unit 465.

In addition, the information input unit 460 is the cable communication unit or to process the electronic payment corresponding to the information providing mode for providing card information and product purchase information to the relay server for investment in the financial product of the tangible and intangible product sales amount; Extracting and inputting extraction information for providing card information and product purchase information to a relay server for investment in financial products of the tangible and intangible product sales amount from at least one terminal (or device) through a short range wireless communication unit, The input extraction information is provided to the full text generation unit 465.

The full text generation unit 465 generates a full payment approval request text including at least one or more product purchase information input through the information input unit 460. Provided to the transmission unit 470.

The specialized transmission unit 470 transmits the payment approval request full text generated by the professional generation unit 465 to the relay server on the payment network through the communication processing unit 430. The relay server performs a predetermined payment processing procedure for providing card information and product purchase information to the relay server for investment in the financial product of the sale amount of the tangible and intangible goods through the payment approval request message, Generate a payment processing history corresponding to any one of the corresponding payment approval details or payment error details, and generate a predetermined payment approval text including the payment processing details to transmit to the affiliated store terminal 400 through the payment network. do.

After the payment approval request message is transmitted to the relay server through the specialized transmission unit 470, the expert processing unit 475 transmits the payment approval request message from the relay server on the payment network through the communication processor 430. Periodically (or in response to the full text reception event of the communication processing unit 430) is received whether a payment approval text including a payment processing history corresponding to.

If the payment approval message including the payment processing details corresponding to the payment approval request message is received through the communication processing unit 430, the expert processing unit 475 may include the payment processing details (eg, Payment approval details or payment error details) may be output through the screen output unit 415 or printed through the print output unit 440, thereby financing the sales amount of the tangible and intangible goods. The electronic payment procedure for providing card information and product purchase information to the relay server for product investment is completed.

5 is a diagram illustrating a process of registering financial product investment agreement information for financial product investment of tangible and intangible product sales amount according to one embodiment of the present invention.

In more detail, in FIG. 5, when the information registration server on the information registration system shown in FIG. 3 interworks with the affiliated store terminal 400 through a predetermined network means, the affiliated store terminal 400 is connected to the information registration server. Connect to a communication channel for registering financial product investment agreement information according to the present invention, and transmit the financial product investment agreement information including the card information and product purchase information to the information registration server through the communication channel. When the information registration server is linked to the card information and the product purchase information contained in the investment agreement information received by the information processing method for storing in a predetermined storage medium, which is common in the art If the person having knowledge, the financial product from the merchant terminal 400 to the information registration server by referring to or modifying the figure 5 Various implementation methods for registering investment consent information may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the affiliated store terminal 400 illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server illustrated in FIG. 3 is referred to as a “server” for convenience, and the affiliated store terminal 400 The card information and product purchase information transmitted to the information registration server are referred to as "financial investment investment agreement information" for convenience.

Referring to FIG. 5, the merchant terminal 400 illustrated in FIG. 3 may be started from reading customer card information and inputting payment information (or product purchase information) for payment of tangible and intangible goods purchased by a customer. It may be 500.

Thereafter, the terminal checks (or changes) a terminal mode for transmitting the card information and the product purchase information to the relay server, and connects the communication channel with the server (505).

Here, the terminal mode check (or change) operation may be omitted depending on the terminal model or whether the information providing service.

Thereafter, the terminal generates a payment approval request message including the card information and product purchase information (510), and transmits the generated payment approval request message to the server (515).

According to the exemplary embodiment of the present invention, transmitting the card information and product purchase information input (or selected) through the communication channel to the server may include a financial product investment agreement input (or selected) through the information registration interface. The method may further include transmitting information to the server by digitally signing or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the card information and the product purchase information through the communication channel to check the validity of the financial product investment agreement information (520).

According to the implementation method of the present invention, confirming the validity of the financial instrument investment agreement information, if the financial product investment agreement information is electronically signed or encrypted through the security module provided in the terminal, the financial product investment agreement Decoding the information, or may further comprise decoding the financial instrument investment agreement information.

According to the implementation method of the present invention, the validity confirmation of the financial product investment agreement information is whether at least one or more tangible and intangible product information matching the financial product investment agreement information is registered in the storage medium associated with the product specific information registration system It is preferable to include checking.

For example, the validation of the financial product investment agreement information includes checking whether the product purchase information included in the financial product investment agreement information matches the tangible and intangible product information stored in a storage medium associated with the product specific information registration system. It is preferable to make it.

If the validity of the financial instrument investment agreement information is not authenticated (525), the server generates a payment approval response message including predetermined information registration error information and transmits it to the terminal (530). Do not perform the information registration procedure corresponding to consent information.

On the other hand, if the validity of the financial product investment agreement information is authenticated (525), the server performs an information registration procedure corresponding to the financial product investment agreement information, thereby linking the card information and the product purchase information and storing the predetermined information. Store to media (535).

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS provided on the information registration system or the DBMS on the van system associated with the information registration system, whereby the present invention is not limited.

Thereafter, the server checks the tangible or intangible product seller (or product producer) information corresponding to the financial product investment agreement information and the customer information corresponding to the card information (540), and as the confirmed product seller (or product producer). The financial product investment agreement information and customer information are provided (545).

The server completes the procedure of registering the financial product-to-automatic information transmitted from the terminal by generating a payment approval response message including predetermined information registration history information and transmitting the generated payment approval message to the terminal (550).

6 is a diagram illustrating a face-to-face financial product subscription system for investment in financial products of a product sales amount according to one embodiment of the present invention.

In more detail, FIG. 6 is a financial product investment agreement information for the investment of financial products using the sales amount of the tangible and intangible products by the customer (merchandise purchasing customer) who purchased the tangible and intangible products through the unique information registration system of the purchase product shown in the drawing. After provisioned from the merchant terminal and stored in the storage medium 655, a predetermined customer (tangible product seller or product producer or product relayer) prepares a financial product application form including at least one predetermined customer information and investment amount information. When submitted to a window provided at a predetermined financial institution, the financial institution subscribes to the financial product for investment in the financial product of the product sales amount based on the financial product investment information corresponding to the financial product application form, and the financial product As a system configuration for opening a predetermined financial account for managing the present invention, Those skilled in the art will be able to infer various implementation methods for constructing a financial product subscription system for investment in financial products of goods sales amount by referring to or modifying the present invention, but the present invention infers the above. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer a financial product subscription system configuration by omitting or implementing the method of storing the financial product electronic document in the electronic document repository by referring to or modifying the drawing 6. Also, in the case where the electronic product archive is stored in the electronic document repository, the electronic document repository may be implemented in a DBMS in which the electronic document repository is located in the financial product subscription system. It may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 6, in the method for generating the electronic product electronic document, a financial product electronic document corresponding to the financial product application form is described as being generated on the server side on the financial product subscription system. However, the present invention is not limited thereto, and the financial product electronic document may be generated on a terminal side that acquires image content corresponding to the financial product application through a predetermined image acquisition device (eg, the server side). The electronic document generation function provided in the terminal side is provided to generate the financial instrument electronic document), whereby the present invention is not limited.

Hereinafter, in response to the financial product application form and the financial product investment information created by the customer (tangible product seller or product producer or product relay) through a predetermined financial product subscription interface on the financial product subscription system shown in FIG. Or a product seller or a commodity broker), and the at least one means or functional configuration for generating a predetermined financial product electronic document and storing it in a predetermined electronic document repository. The component is referred to as the "financial product server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a financial product subscription system for investment in a financial product of a product sales amount includes a terminal device including a counter terminal provided in at least one branch (or branch) of a financial institution. The terminal device is connected to the financial product server 600 provided on the financial product subscription system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer (tangible or intangible product seller or product producer or product relay) visits the financial institution branch (branch branch) for investment in the financial product of the merchandise sales amount, and the financial institution branch (branch branch) Fill out at least one information item for a financial product application (e.g., investing in a financial product of the product sales amount) through a window (or through a clerk) A document with a form for which the customer (tangible commodity seller or commodity producer or commodity broker) is required by the customer (tangible commodity seller or commodity producer or commodity broker) for the legal basis for the application. It is advisable to seal the seal of).

Subsequently, when the customer (tangible or intangible product seller or product producer or product relay) submits the prepared financial product application to the counter employee, the counter employee scans the financial product application through a predetermined image acquisition device to scan a predetermined image content. And input (or select) financial product investment information including at least one or more image contents obtained in response to the financial product application, customer information written in the financial product application, and investment amount information through a predetermined window terminal; Correspondingly, the counter terminal transmits the image content and the financial product investment information to the financial product server 600 provided on the financial product subscription system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial product server 600 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (for example, a ledger server, etc.), and the financial network connecting the teller terminal and the financial product server 600 connects the communication channel between the teller terminal and the financial product server 600. It is preferable to comprise a network.

In the financial product subscription system as described above, an image acquiring device for acquiring image contents corresponding to a financial product application form prepared by the customer (tangible or intangible product seller or product producer or product relay), a window terminal used by the employee, and the The financial network connecting the terminal and the financial product server 600 is a financial product for the customer (tangible product seller or product producer or product relay) to register the financial product investment information for the investment of the financial product of the product sales amount Performs the function of the subscription interface.

The storage medium 655 provided on the financial product subscription system according to the present invention includes the customer information, the investment amount information, the financial product operation information, and the financial account information included in the financial product investment information provided from the terminal device. Characterized in that to store the financial product investment history information including at least one.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises the financial product basic information including the predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

According to one embodiment of the invention, the storage medium 655 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system), wherein The storage medium 655 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 655 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial product server 600 provided on the financial product subscription system according to the present invention is a generic term for the financial product subscription system-side components connected to the terminal device through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the financial product server 600 is a ledger provided on a financial system connected to the window terminal through a predetermined financial network. It may be a server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the financial product server 600 is characterized by comprising an interface unit 605 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 605 may establish a predetermined communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 6, when the terminal device connects a predetermined communication channel with the financial product server 600 through the interface unit 605, the financial product server 600 finances the product sales amount. Acquire image contents corresponding to the financial product application form prepared by the customer (tangible or intangible product seller or product producer or product relay) through a predetermined image acquisition device provided in the terminal device for investment of the product, and respond to the financial product application form. Generate (or extract) at least one user interface for inputting (or selecting) financial product investment information to be transmitted to the financial product server 600, and generating (or extracting) in connection with the interface unit 605. An interface providing unit 610 for providing the user interface to the terminal device; and the user interface in the terminal device. When the financial product investment information corresponding to the financial product application is input (or selected) and transmitted, the information receiving unit 615 that receives the financial product investment information transmitted from the terminal device in connection with the interface unit 605. And when the terminal device acquires and transmits image content corresponding to the financial product application form prepared by the customer (tangible or intangible product seller or product producer or product relay) through a predetermined image acquisition device, based on the user interface. And an image receiving unit 620 for receiving image contents corresponding to the financial product application form in association with the unit 605.

The interface providing unit 610 connects a predetermined communication channel with the financial product server 600 through the interface unit 605, and then, the financial product server 600 of the product selling amount of the product sales amount. When requesting a user interface for investment in financial products, image content corresponding to the financial product application prepared by the customer (tangible / intangible product seller or product producer or product relay) is obtained through a predetermined image acquisition device provided in the terminal device. Generating at least one user interface for inputting (or selecting) financial product investment information corresponding to the financial product application form and transmitting the financial product investment information to the financial product server 600 through the financial network; Extracted), and the generated (or extracted) user interface in conjunction with the interface unit 605 A it characterized in that it provides to the terminal through the financial network.

According to another exemplary embodiment of the present invention, an image content corresponding to a financial product application prepared by the customer (tangible product seller or product producer or product relay) is obtained through a predetermined image acquisition device in the terminal device, and the financial product application form When a predetermined information registration program is provided with at least one user interface for inputting (or selecting) financial product investment information corresponding to, and transmitting the same to the financial product server 600 through the financial network. As described above, image content corresponding to the financial product application prepared by the customer (tangible product seller or product producer or product relayer) is acquired through a predetermined image acquisition device, and the financial product investment information corresponding to the financial product application is input (or Select) to transmit to the financial product server 600 Interface generate (or extract), and the interface providing unit 610 is mubang be omitted to provide to the terminal device, to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) financial product investment information including at least one of the customer information and investment amount information through the user interface, and inputs the input (or selected) financial product investment information to the financial unit. The financial product server 600 is transmitted through a network. In response thereto, the information receiving unit 615 receives the financial product investment information transmitted from the terminal device in association with the interface unit 605. do.

In addition, the terminal device obtains the image content corresponding to the financial product application prepared by the customer (tangible product seller or product producer or product relay) through a predetermined image acquisition device based on the user interface, the obtained image Content is transmitted to the financial product server 600 through the financial network, and correspondingly, the image receiving unit 620 receives the image content corresponding to the financial product application in connection with the interface unit 605. It features.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the financial product application form created by the customer (tangible product seller or product producer or product relay) through a predetermined image acquisition device. When the terminal device is previously stored in a predetermined storage device provided in (or associated with) the device, the terminal device may be configured to store the customer (intangible product seller or product producer) of at least one or more image contents previously stored in the storage device through the user interface. Selects an image content corresponding to the financial product application prepared by the product relay and transmits it to the financial product server 600 through the financial network. In response, the image receiving unit 620 is connected to the interface unit 605. Receiving image content corresponding to the financial instrument application form Preferable.

According to another embodiment of the present invention, the image content corresponding to the financial product application prepared by the customer (tangible product seller or product producer or product relay) through the user interface in the terminal device and the corresponding financial product application When the financial product investment information is transmitted together, the information receiving unit 615 may receive the image content corresponding to the financial product application and the financial product investment information together with the interface unit 605 (eg, the The image receiving unit 620 is integrated into the information receiving unit 615 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 6, when the financial product investment information transmitted from the terminal device is received through the information receiving unit 615, the financial product server 600 receives the received financial product investment information. Characterized in that it comprises a validity check unit 625 to check whether the validity for the financial product investment.

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 6, the financial product server 600 receives the image content transmitted from the terminal device through the image receiving unit 620 and receives the financial product investment information through the validity checking unit 625. When the validity is verified, an electronic document generation unit 630 for generating a predetermined financial product electronic document including the received image content, and the generated electronic product electronic document in connection with the financial product subscription system. It is characterized by comprising an electronic document transmission unit 635 for transmitting to the storage.

The electronic document generating unit 630 may generate a financial product electronic document including the image content received from the terminal device through the image receiving unit 620.

According to an embodiment of the present invention, the electronic document generation unit 630 is the financial product investment of the product sales amount as it is an image file including the image content received from the terminal device through the image receiving unit 620 It is desirable to process financial documents electronically for

Alternatively, the electronic document generator 630 may include customer information and investment included in the financial product investment information received through the information receiver 615 in the image content received from the terminal device through the image receiver 620. It is preferable to generate a financial product electronic document for investing in the financial product of the selling price of the product, the image file corresponding to the image content including at least one or more information of the price information by watermarking.

According to another exemplary embodiment of the present invention, the electronic document generating unit 630 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 620. Format product, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a financial instrument electronic document for a.

Alternatively, the electronic document generator 630 may include customer information and investment included in the financial product investment information received through the information receiver 615 in the image content received from the terminal device through the image receiver 620. Generating image content including at least one or more of the price information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file or EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby generating a financial product electronic document for investment in financial products of the sales amount of the product. It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generation unit 630 is the financial product received through the image receiving unit and the information receiving unit 615 via the image receiving unit 620. A predetermined document file including investment information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the web including the MHT). By generating a document file, etc., it is preferable to generate a financial product electronic document for investment in the financial product of the product sales amount.

Alternatively, the electronic document generator 630 may include customer information and investment included in the financial product investment information received through the information receiver 615 in the image content received from the terminal device through the image receiver 620. Generates image content including at least one or more information of the amount information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the financial product investment information. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a financial instrument electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 630 is a technical feature of generating a financial product electronic document in the image file format or a predetermined document file format, and the financial product electronic document Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmitter 635 transmits and stores the financial product electronic document generated by the electronic document generator 630 to a predetermined electronic document repository associated with the financial product subscription system. .

As shown in FIG. 6, the electronic document repository is connected to the financial product server 600 on the financial product subscription system with a predetermined electronic document server 660 and electronic document D / B 680 linked through predetermined communication means. When provided externally, the electronic document transmission unit 635 transmits the financial product electronic document generated by the electronic document generation unit 630 to the electronic document server 660 through the communication means. Characterized in that the transmission.

Here, when the electronic document server 660 and the electronic document D / B 680 is provided outside the financial product subscription system, the electronic document server 660 and the electronic document D / B 680 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the electronic document transmitting unit 635 is generated by the electronic document generating unit 630. It is possible to store the financial product electronic document in the electronic document D / B 680 corresponding to the electronic document storage on the DBMS provided in the financial product subscription system, by which the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 635 is electronic document related information for generating predetermined electronic document management information in the electronic document server 660 (eg, financial products corresponding to the image content). It is possible to transmit to the electronic document repository further comprising the customer information, the financial institution information, or the electronic document file format information, or the financial product investment information, etc.) that filled out the application, or the financial instrument electronic document, The present invention is not limited by this.

Referring to FIG. 6, the financial product server 600 may verify that the financial product investment information received through the information receiving unit 615 is valid for the financial product investment of the product sales amount through the validity checking unit 625. If authenticated, the information generation unit 640 for generating predetermined financial product operation information corresponding to the financial product based on the customer information and investment amount information included in the financial product investment information of which the validity is authenticated; And a financial account processing unit 645 for opening and processing a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the product investment information.

When the validity of the financial product investment information is confirmed by the validity confirming unit 625, the information generating unit 640 sends the financial product to the financial product based on the customer information and the investment amount information included in the financial product investment information. And generate corresponding financial product management information.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the information generator 640 may correspond to the financial product based on customer information and investment amount information included in the financial product investment information. It is preferable to generate the beneficiary certificate information (eg, the beneficiary certificate attribute including the predetermined securities number and the expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the information generator 640 may be based on the customer information and the investment amount information included in the financial product investment information. Deposit information (or savings information) corresponding to a deposit (or deposit property including an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.) It is preferable to generate.

The financial account processing unit 645 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and is provided). After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the product sales amount corresponding to the financial product investment information It is characterized by opening a predetermined financial account for investment in financial products.

When the financial product server 600 and the financial system exist in the same system according to an embodiment of the present invention, the financial account processing unit 645 operates the financial product in the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger containing the information.

According to another exemplary embodiment of the present invention, when the financial product server 600 and the financial system exist on another system connected through a predetermined communication means, the financial account processing unit 645 may use a predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial product operation information through the external system on the financial system.

Referring to FIG. 6, the financial product server 600 may verify that the financial product investment information received through the information receiving unit 615 is valid for the financial product investment of the product sales amount through the validity checking unit 625. If it is authenticated, the financial information management information generated by the customer information and investment amount information included in the financial product investment information and the information generating unit 640 and the financial account processing unit 645 generated by the validity is certified. And an information storage unit 650 for storing the financial product investment history information including at least one financial account information in a predetermined storage medium 655.

When the validity of the financial product investment information is confirmed by the validity confirming unit 625, the information storage unit 650 includes at least one of the customer information and the investment amount information included in the financial product investment information. The financial product investment history information is stored in the storage medium 655.

In addition, when the financial product operation information generated by the information generation unit 640 is generated, the information storage unit 650 further includes the generated financial product operation information in the financial product investment history information. It is preferable to store in the storage medium 655.

In addition, the information storage unit 650 further includes the financial account information opened in the financial product investment history information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. Preferably stored in the storage medium 655.

According to an embodiment of the present invention, when the storage medium 655 is provided in the financial product server 600 or on a network connected to the financial product server 600, the information storage unit 650 may be used. Store the financial product investment details in the storage medium 655 including at least one of the customer information, the investment amount information, the financial product operation information and the financial account information included in the received financial product investment information. desirable.

According to another exemplary embodiment of the present invention, when the storage medium 655 is provided in a DBMS provided on a financial system, the information storage unit 650 may include the customer information included in the received financial product investment information. It is preferable to provide financial instrument investment history information including investment amount information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system. .

Referring to FIG. 6, an electronic document server receives a predetermined financial product electronic document from the financial product server 600 provided on the financial product subscription system, and stores and manages the electronic document in a predetermined electronic document D / B 680. An electronic document receiving unit 665 for receiving a predetermined financial product electronic document from the financial product server 600 through a predetermined communication means, and the electronic document D / B for receiving the received financial product electronic document. An information generation unit 670 for generating predetermined electronic document management information for storage and management at 680; and a predetermined electronic document D / B 680 by linking the electronic document management information with the financial product electronic document. It is characterized by comprising an electronic document storage section 675 to be stored in).

The electronic document receiving unit 665 may receive the financial product electronic document in the form of an image file or a document file from the financial product server 600 through the communication means.

According to an exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 665 through the communication means includes an image file including image content received by the financial product server 600 from the terminal device. It is preferable to include as it is.

Alternatively, the financial product electronic document received by the electronic document receiver 665 through the communication means may include customer information included in the financial product investment information in the image content received by the financial product server 600 from the terminal device. , It is preferable to include an image file corresponding to the image content including at least one or more information of the investment amount information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 665 through the communication means includes a predetermined image content that the financial product server 600 receives from the terminal device. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the financial product electronic document received by the electronic document receiving unit 665 through the communication means may include customer information included in the financial product investment information in the image content received by the financial product server 600 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content including at least one or more of the investment amount information in a watermarking manner. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 665 through the communication means includes the image content and the financial information received by the financial product server 600 from the terminal device. A predetermined document file including product investment information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). Web document files).

Alternatively, the financial product electronic document received by the electronic document receiving unit 665 through the communication means may include customer information included in the financial product investment information in the image content received by the financial product server 600 from the terminal device. Image content including at least one or more of the investment amount information by a watermarking method and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the financial product investment information. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 670 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 665 and the financial information through the electronic document receiving unit 665. And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 670 refers to the financial product electronic document with reference to the financial product server 600 which has transmitted the financial product electronic document received through the electronic document receiving unit 665. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial product server 600 through the electronic document receiving unit 665, the information generating unit 670 receives the received information. Electronic document-related information (e.g., customer information for preparing a financial instrument application corresponding to the image content, financial institution information for transmitting the financial instrument electronic document, electronic document file format information, or financial instrument investment information, etc.); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 675 associates a financial product electronic document received through the electronic document receiving unit 665 with electronic document management information generated through the information generating unit 670 to process a predetermined electronic document D /. It stores in the B (680).

According to the exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may be an image received by the financial product server 600 from the terminal device. It is preferable that the image file including the content is included as it is.

Alternatively, the financial product electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may invest the financial product in the image content received by the financial product server 600 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, the investment amount information included in the information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 is received by the financial product server 600 from the terminal device. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the financial product electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may include the financial product investment information in the image content received by the financial product server 600 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content including at least one of customer information and investment amount information included in the watermarking method. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 is received by the financial product server 600 from the terminal device. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including an image content and the investment information of the financial product. , Or a web document file including MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may include the financial product investment information in the image content received by the financial product server 600 from the terminal device. Image content including at least one or more information of the customer information, investment amount information included in the watermarking method and a predetermined document file (for example, a PDF (Portable Document Format) file, including the financial product investment information, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 680 by the electronic document storage unit 675 in association with the financial product electronic document is stored in the financial product electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 680 by the electronic document storage unit 675 in association with the financial product electronic document is stored in the electronic product electronic document. Preferably, the financial product server 600 may further include information on a financial institution that has transmitted the financial product electronic document identified with reference to the financial product server 600.

According to another exemplary embodiment of the present invention, when the electronic product storage information is further received from the financial product server 600, the electronic document storage unit 675 processes the electronic product by linking with the financial product electronic document. The electronic document management information stored in the document D / B 680 may include the received electronic document related information (for example, customer information in which a financial product application form corresponding to the image content is prepared, or a financial product for transmitting the financial product electronic document). Institution information, electronic document file format information, or financial instrument investment information).

7 is a diagram illustrating an implementation method in which a storage medium 655 for storing financial product investment history information corresponding to a financial product subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

In more detail, in FIG. 7, when the storage medium 655 shown in FIG. 6 is the ledger D / B provided in the DBMS on the financial system, or the ledger D / B, the ledger D / B is provided in the ledger D / B. The information structure for one embodiment of the method for storing the financial instrument investment history information in the ledger information, which is a person of ordinary skill in the art to which the present invention pertains, will be referred to or modified with reference to FIG. Various information construction methods for storing the financial product investment history information in D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger and the customer ledger, and the finance shown in FIG. The account ledger corresponding to the financial product subscribed through the product subscription system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the system maintains at least one ledger (eg, a ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for management is included, and that the technical details of Since a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( At least one or more of regular reception information including at least one or more days, a term extension, an expiration date, and a target amount, or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 7, wherein the storage medium 655 is the ledger D / B, or includes an implementation method provided in the ledger D / B, the finance illustrated in FIG. Additional information added to the account ledger, the financial product investment history information including at least one of the customer information and investment amount information and the financial product operation information and financial account information included in the financial product investment information provided through the product subscription system It is characterized in that it is stored in the form.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises the financial product basic information including the predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

According to another exemplary embodiment of the present invention, the financial product investment information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, a customer ledger). It can be stored in the form of information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

8 is a storage medium 655 for storing financial product investment history information corresponding to a financial product subscribed to in a face-to-face manner according to another embodiment of the present invention, linked with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a compiled database.

In more detail, FIG. 8 illustrates an information structure for an embodiment in which the storage medium 655 shown in FIG. 6 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configurations for storing the financial product investment details in association with the ledger D / B are stored in a predetermined database by referring to or modifying the drawing 8. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 8 illustrates a case in which it is not easy to store the investment information of the financial product in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D / If it is not easy to change B, or the system is not easy to expand due to the characteristics of the financial system), the financial product investment history information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D The implementation method of linking and storing / B is shown.

In addition, the database shown in FIG. 8 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and the database or the tele on the Internet banking system is in accordance with the intention of a person skilled in the art. It may be configured in the form of a database on a banking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 8, the storage medium 655 includes a database associated with a ledger D / B provided in a DBMS on a financial system. And the financial product investment history information including at least one of the included customer information, investment amount information, and the financial product operation information and financial account information, wherein the financial product investment history information is stored in the ledger D / B. In order to be processed in conjunction with the financial product investment history information preferably further comprises a CIF number corresponding to the ledger information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc., including the deposit (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises the financial product basic information including the predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute preferably comprises the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

FIG. 9 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 655 for storing financial instrument investment history information corresponding to a financial instrument subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. One drawing.

In more detail, FIG. 9 shows a DBMS in which a storage medium 655 shown in FIG. 6 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, those skilled in the art to which the present invention belongs, financial products that are stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 9 It is possible to infer a method of constructing information on investment details information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 9 in which the storage medium 655 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the financial product investment information. And storing the financial product investment history information including at least one of the customer information, the investment amount information, and the financial product operation information and the financial account information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises the financial product basic information including the predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

10A and 10B are diagrams illustrating a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 10A and 10B are window terminals in which a terminal device on the financial product subscription system illustrated in FIG. 6 is provided at a branch of a financial institution (or a branch), and the financial product server 600 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer, the customer information and the investment amount information are entered in order for a given customer to subscribe to the financial product for the financial product investment When a financial product application form including at least one is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product application, and specifically, the customer applies the financial product application. After filling out and submitting to the counter, the counter terminal receives the application form through the predetermined image acquisition device. After acquiring the predetermined image content corresponding to the financial product server 600 and transmitting the financial product investment information corresponding to the financial product application form, it is transmitted to the financial product server 600. The financial product server 600 illustrates a method of subscribing to the financial product based on the financial product investment information including at least one of the customer information and the investment amount information.

Those skilled in the art to which the present invention pertains, various methods of registering the financial product investment information to the financial product server 600 at the window terminal by referring to or modifying the drawings 10a and 10b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 10A and 10B.

For example, although the method shown in FIGS. 10A and 10B includes a process of generating a predetermined electronic document corresponding to the financial product application form and storing it in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 10A and 10B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product investment information corresponding to the financial product application is illustrated and described as being provided from the financial product server 600, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial product server 600, and thus the present invention is not limited thereto.

In the following Figures 10a and 10b, the window terminal shown in Figure 6 is referred to as "terminal" for convenience, and the financial product server 600 shown in Figure 6 is referred to as "server" for convenience.

Referring to FIGS. 10A and 10B, when a predetermined customer prepares and submits a financial product application form including at least one of customer information and investment amount information for investment in a financial product of a product sale amount, the window shown in FIG. When the terminal connects to the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for investment in a financial product of a product sales amount corresponding to the financial product application (1000). The server generates (or extracts) a user interface for acquiring a predetermined image content corresponding to the financial product application written by the customer through the predetermined image obtaining apparatus from the terminal (1005) and transmitting it to the server (1005). The generated (or extracted) user interface is transmitted to the terminal and output through the financial network (1010).

Thereafter, the terminal acquires image content corresponding to the financial product application through a predetermined image acquisition device based on the user interface in operation 1015.

If image content corresponding to the financial product application is obtained through the image acquisition device (1020), the terminal transmits the obtained image content to the server through the financial network (1025).

Thereafter, the server generates a user interface for inputting (or selecting) financial product investment information including at least one of customer information and investment amount information corresponding to the financial product application form matching the image content and transmitting the same to the server. (Or extract) (1030), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs (1035).

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and investment amount information through the user interface (1040).

If the financial product investment information including at least one of the customer information and the investment amount information is input (or selected) through the user interface (1045), the terminal inputs (or selects) the server to the server through the financial network. In step 1050, the financial instrument investment information is transmitted.

Thereafter, the server receives and reads the financial product investment information including at least one of the customer information and the investment amount information through the financial network to confirm the validity of the financial product investment information (1055).

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1060), the server generates predetermined financial product error information and transmits it to the terminal (1065), and the financial product subscription information corresponding to the financial product investment information. Do not do it.

On the other hand, if the validity of the financial product investment information is authenticated (1060), the server generates a predetermined financial product electronic document containing the image content (1070).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a financial product electronic document for investment in the financial product of the product sale amount.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a financial product electronic document for the financial product investment of the product sales amount of the image file.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And a word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content, or By generating a web document file including the MHT, etc.), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received financial product investment information. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the generated image content and the financial product investment information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1075).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 660 and an electronic document D / B 680 connected to a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 660 through the communication means to store in the electronic document D / B (680).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 680, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the electronic product electronic document in the electronic document repository may be performed by linking the generated financial product electronic document with predetermined electronic document management information to display the electronic document D shown in FIG. It is preferable to include storing in / B (680).

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

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

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial product application form corresponding to the image content, financial institution information for transmitting the financial product electronic document, or electronic document file format information). , Or the financial product investment information).

If the financial product electronic document is stored in the electronic document repository (1080), the server is predetermined financial product operation information corresponding to the financial product based on the customer information, investment amount information included in the financial product investment information Generates 1085.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores deposit information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. (Or savings information) (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute including an interest (or interest rate) corresponding to the deposit / storage and a subscription period, etc.) is preferably generated. Do.

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1090). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial product operation information.

Thereafter, the server includes the customer information and the investment amount information included in the financial product investment information, the financial product operation information generated by the information generator 640 and the financial account generated by the financial account processor 645. Financial instrument investment history information including at least one account information is stored in a predetermined storage medium (655) (1095).

According to an exemplary embodiment of the present invention, when the storage medium 655 is provided in the server or on a network associated with the server, the server may include the customer information included in the received financial product investment information. Preferably, the storage medium 655 stores financial product investment history information including investment amount information, financial product operation information, and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 655 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the financial product, or storing the financial product electronic document in the electronic document repository, or the storage medium 655). ) To generate (or extract) the details of storing the financial product investment information and transmit it to the terminal (1099).

According to one embodiment of the invention, the storage medium 655 is preferably provided in a DBMS on a financial system provided on the financial product entry system (or associated with the financial product subscription system), wherein The storage medium 655 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 655 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

11A and 11B illustrate a financial product subscription process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

11a and 11b show a terminal terminal in which a terminal device on a financial product subscription system shown in FIG. 6 is provided at a branch of a financial institution (or a branch), and the financial product server 600 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer, the customer information and the investment amount information are entered in order for a given customer to join the financial product for investment in the financial product of the product sales amount. Compose and submit a financial product application form containing at least one, the financial institution is a configuration of the system to subscribe to the financial products in a face-to-face based on the financial product application form, specifically the customer the financial product application form Prepare and submit it to the counter, the counter terminal provides the financial instrument investment information corresponding to the financial instrument application form. And transmits the selected image content corresponding to the financial product application through a predetermined image obtaining apparatus and transmits the image to the financial product server 600 through a predetermined (or selected) transmission. The financial product server 600 illustrates a method of subscribing to the financial product based on the financial product investment information including at least one of the customer information and the investment amount information.

Those skilled in the art to which the present invention pertains, various methods of registering the financial product investment information to the financial product server 600 at the window terminal by referring to or modifying the drawings 11a and 11b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 11A and 11B.

For example, although the implementation method shown in FIGS. 11A and 11B includes a process of generating a predetermined electronic document corresponding to the financial product application form and storing it in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 11A and 11B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product investment information corresponding to the financial product application is illustrated and described as being provided from the financial product server 600, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial product server 600, and thus the present invention is not limited thereto.

In the following Figures 11a and 11b, the window terminal shown in Figure 6 is referred to as a "terminal" for convenience, and the financial product server 600 shown in Figure 6 is referred to as a "server" for convenience, and in the window terminal The customer information and the investment amount information transmitted to the financial product server 600 are referred to as "financial product investment information" for convenience.

Referring to FIGS. 11A and 11B, when a predetermined customer prepares and submits a financial product application form including at least one customer information and investment amount information for investment in a financial product of a product sale amount, the window shown in FIG. When the terminal accesses the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for investment in a financial product of a product sales amount corresponding to the financial product application (1100). The server generates (or extracts) a user interface for inputting (or selecting) financial product investment information including at least one of customer information and investment amount information corresponding to the financial product application form prepared by the customer and transmitting the information to the server. In operation 1105, the generated (or extracted) user interface is transmitted to the terminal through the financial network and output. (1110).

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and the investment amount information through the user interface (1115).

If the financial product investment information including at least one of the customer information and the investment amount information is input (or selected) through the user interface (1120), the terminal inputs (or selects) the server to the server through the financial network. In step 1125, the financial instrument investment information is transmitted.

Thereafter, the server receives and reads the financial product investment information including at least one of the customer information and the investment amount information through the financial network to confirm the validity of the financial product investment information (1130).

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1135), the server generates predetermined financial product error information and transmits it to the terminal (1140), and the financial product subscription procedure corresponding to the financial product investment information. Do not do it.

On the other hand, if the validity of the financial product investment information is authenticated (1135), the server acquires predetermined image contents corresponding to the financial product application written by the customer through a predetermined image acquisition device from the terminal and transmits the predetermined image content to the server. A user interface for generating (or extracting) a user interface is generated (1145), and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (1150).

Thereafter, the terminal acquires image content corresponding to the financial product application form through a predetermined image obtaining apparatus based on the user interface in operation 1155.

If image content corresponding to the financial product application is obtained through the image acquisition device (1160), the terminal transmits the obtained image content to the server through the financial network (1165).

The server receiving the financial product investment information and the image content from the terminal generates a predetermined financial product electronic document including the image content (1170).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a financial product electronic document for investment in the financial product of the product sale amount.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a financial product electronic document for the financial product investment of the product sales amount of the image file.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And a word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content, or By generating a web document file including the MHT, etc.), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received financial product investment information. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the generated image content and the financial product investment information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1175).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 660 and an electronic document D / B 680 connected to a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 660 through the communication means to store in the electronic document D / B (680).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 680, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the electronic product electronic document in the electronic document repository may be performed by linking the generated financial product electronic document with predetermined electronic document management information to display the electronic document D shown in FIG. It is preferable to include storing in / B (680).

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

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

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial product application form corresponding to the image content, financial institution information for transmitting the financial product electronic document, or electronic document file format information). , Or the financial product investment information).

If the financial product electronic document is stored in the electronic document storage room (1180), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Generates 1185.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores deposit information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. (Or savings information) (e.g., generating an account number corresponding to a given deposit / storage, a deposit (or savings) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.) desirable.

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in association with the financial system (1190). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, the investment amount information, the generated financial product operation information, and the generated financial account information included in the financial product investment information. Store in storage medium 655 (1195)

According to an exemplary embodiment of the present invention, when the storage medium 655 is provided in the server or on a network associated with the server, the server may include the customer information included in the received financial product investment information. Preferably, the storage medium 655 stores financial product investment history information including investment amount information, financial product operation information, and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 655 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. It is preferable to provide financial product investment history information including at least one financial product operation information and financial account information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the financial product, or storing the financial product electronic document in the electronic document repository, or the storage medium 655). ) To generate (or extract) the details of storing the financial product investment information and transmits it to the terminal (1199).

According to one embodiment of the invention, the storage medium 655 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system), wherein The storage medium 655 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 655 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

12A and 12B illustrate a financial product subscription processing process for investment in financial products of a product sale price in a face-to-face manner according to another exemplary embodiment of the present invention.

12A and 12B show a terminal terminal in which a terminal device on the financial product subscription system shown in FIG. 6 is provided at a branch of a financial institution (or a branch), and the financial product server 600 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer, the customer information and the investment amount information are entered in order for a given customer to join the financial product for investment in the financial product of the product sales amount. When a financial product application form including at least one is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product application, and specifically, the customer applies the financial product application. After filling out and submitting to the counter, the counter terminal receives the application form through the predetermined image acquisition device. After acquiring the predetermined predetermined image content, inputting (or selecting) financial product investment information corresponding to the financial product application form, and transmitting the image content and the financial product investment information to the financial product server 600. And an implementation method in which the financial product server 600 subscribes to the financial product based on the financial product investment information including at least one of the customer information and the investment amount information.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the financial product investment information with the financial product server 600 at the window terminal by referring to or modifying the drawings 12a and 12b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 12A and 12B.

For example, although the method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the financial product application form and storing it in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 12A and 12B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) financial product investment information corresponding to the financial product application is illustrated and described as being provided from the financial product server 600, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial product server 600, and thus the present invention is not limited thereto.

In the following Figures 12a and 12b, the window terminal shown in Figure 6 is referred to as a "terminal" for convenience, and the financial product server 600 shown in Figure 6 is referred to as a "server" for convenience, and in the window terminal The customer information and the investment amount information transmitted to the financial product server 600 are referred to as "financial product investment information" for convenience.

12A and 12B, when a predetermined customer prepares and submits a financial product application form including at least one of customer information and investment amount information for investment in a financial product of a product sale amount, the window shown in FIG. When the terminal accesses the server through a predetermined financial network and connects a predetermined communication channel, the terminal requests a user interface for investment in a financial product of a product sales amount corresponding to the financial product application (1200). The server inputs (or selects) financial product investment information corresponding to the financial product application form prepared by the customer in the terminal, and acquires predetermined image content corresponding to the financial product application through a predetermined image obtaining device. Create (or extract) a user interface for transmission to a server (1205), and generate (or And outputs to send the extracted) user interface to the mobile station 1210.

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and the investment amount information through the user interface (1215).

If the financial product investment information including at least one of the customer information and the investment amount information is input (or selected) through the user interface (1220), the terminal uses an image acquisition apparatus based on the user interface. Acquire image content corresponding to the financial product application (1225).

If image content corresponding to the financial product application is obtained through the image acquisition device (1230), the terminal transmits the financial product investment information and the image content to the server through the financial network (1235).

Thereafter, the server receives and reads the financial product investment information including at least one of the customer information and the investment amount information through the financial network to confirm the validity of the financial product investment information (1240).

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity of the financial product investment information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the financial product investment information. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1245), the server generates predetermined financial product error information and transmits it to the terminal (1250), and registers a financial product corresponding to the financial product investment information. Do not do it.

On the other hand, if the validity of the financial product investment information is authenticated (1245), the server generates a predetermined financial product electronic document containing the image content (1255).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a financial product electronic document for investment in the financial product of the product sale amount.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a financial product electronic document for the financial product investment of the product sales amount of the image file.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And a word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content, or By generating a web document file including the MHT, etc.), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received financial product investment information. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server generates image contents including at least one or more information of customer information and investment amount information included in the received financial product investment information in the image content received from the terminal device in a watermarking manner. And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the generated image content and the financial product investment information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a financial product electronic document for the financial product investment of the product sales amount.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1260).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 660 and an electronic document D / B 680 connected to a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 660 through the communication means to store in the electronic document D / B (680).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 680, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the electronic product electronic document in the electronic document repository may be performed by linking the generated financial product electronic document with predetermined electronic document management information to display the electronic document D shown in FIG. It is preferable to include storing in / B (680).

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

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

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial product application form corresponding to the image content, financial institution information for transmitting the financial product electronic document, or electronic document file format information). , Or the financial product investment information).

If the financial product electronic document is stored in the electronic document storage room (1265), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Generate (1270).

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores deposit information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. (Or savings information) (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute including an interest (or interest rate) corresponding to the deposit / storage and a subscription period, etc.) is preferably generated. Do.

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1275). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server may establish a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, the investment amount information, the generated financial product operation information, and the generated financial account information included in the financial product investment information. Stored in the storage medium 655 (1280)

According to an exemplary embodiment of the present invention, when the storage medium 655 is provided in the server or on a network associated with the server, the server may include the customer information included in the received financial product investment information. Preferably, the storage medium 655 stores financial product investment history information including investment amount information, financial product operation information, and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 655 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the financial product, or storing the financial product electronic document in the electronic document repository, or the storage medium 655). ) (Or extract) the details of storing the financial product investment information and transmits the generated information to the terminal (1285).

According to one embodiment of the invention, the storage medium 655 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system), wherein The storage medium 655 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 655 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

FIG. 13 is a diagram illustrating a non-face-to-face financial product subscription system for investment in financial products of a product sale amount according to another embodiment of the present invention.

In more detail, in FIG. 13, the customer (merchandise purchase customer) who purchased the tangible and intangible goods through the unique information registration system of the purchase product shown in FIG. After the information is provided from the merchant terminal and stored in the storage medium 1350, a predetermined customer (tangible product seller or product producer or product relay) receives at least one predetermined customer information or investment amount information through a predetermined financial product subscription interface. When the financial product investment information including the above is provided to the financial institution (or a fund subscription agency), the financial institution (or fund subscription institution) finances the financial product investment of the product sales amount based on the financial product investment information. A system for subscribing to a product and opening a predetermined financial account for managing the financial product. As those skilled in the art to which the present invention pertains, various implementation methods for constructing a financial product subscription system for investment in financial products of a product sales amount may be inferred by referring to or modifying the drawing 13. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer a configuration of a financial product subscription system that omits an implementation method of storing the financial product electronic document in the electronic document repository by referring to or modifying the drawing 13. In addition, in the case where the financial product electronic document is stored in the electronic document archive, the implementation method provided in the DBMS in which the electronic document archive is located in the financial product subscription system, in addition to the implementation method shown in FIG. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 13, the financial product electronic document is described as being generated on the server side on the financial product subscription system, but the present invention is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) the financial instrument investment information (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the financial product electronic document). The present invention is not limited thereto.

Hereinafter, the financial product investment information is provided from the customer (tangible product seller or product producer or product relay) through a predetermined financial product entry interface on the financial product subscription system shown in FIG. 13. Or a commodity producer or a commodity broker) for subscribing to the financial product, and at least one means or function corresponding to the functional configuration for generating a predetermined financial product electronic document and storing it in a predetermined electronic document repository for convenience. It is referred to as a "financial product server 1300".

Referring to FIG. 13 according to an embodiment of the present invention, a financial product subscription system for investing in a financial product of the product sales amount includes a wired terminal or a wireless terminal used by a customer (tangible or intangible product seller or product producer or product relay). And a terminal device including at least one or more client terminals, and the like, wherein the terminal device is provided on the financial product subscription system through a predetermined network means. And communication channel are connected.

According to an embodiment of the present invention, the customer (tangible or intangible product seller or product producer or product relay) is the financial terminal through at least one or more of the wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. After accessing the product server 1300 and inputting (or selecting) financial product investment information for investment in the financial product of the product sale amount through at least one user interface provided by the financial product server 1300, It is preferable to transmit from the client terminal to the financial product server 1300 provided on the financial product subscription system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications) terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or A portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is formed, including at least one are preferred.

In addition, the financial product server 1300 connected to the client terminal may be any one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the financial product server 1300 may be a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based portable Internet or IEEE according to the type of wireless communication network to which the client terminal is connected. It is preferable that any one of 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial product server 1300, input or select at least one information through the user interface, and transmit the same to the financial product server 1300. It is preferable that a function configuration (eg, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial product server 1300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the financial product subscription system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer (tangible product seller or product producer or product relay), the client terminal and the financial product server 1300 At least one wired or wireless communication network that connects a) of the financial product subscription interface for registering the financial product investment information by the customer (tangible product seller or product producer or product relay) for investment in the financial product of the product sales amount Perform the function.

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown) or at least one predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or at least one affiliated with the financial institution. Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the financial product subscription system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial product server 1300. The financial network connecting to perform a function of the financial product subscription interface for registering the financial product investment information for the customer (tangible or intangible product seller or product producer or product intermediary) of the financial product investment of the product sales amount, or If the terminal device is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial product server 1300 is the customer (tangible goods) Merchant or product producer or commodity broker) to register financial product investment information for investment in financial products of the sale price of the product A terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device (not shown), the terminal (or server) (not shown) and the terminal ( Or a server) (not shown) and the network connecting the financial product server 1300 to register the financial product investment information by the customer (tangible or intangible product seller or product producer or product relay) for investment in the financial product of the product sale amount. It functions as a financial product subscription interface.

The storage medium 1350 provided on the financial product subscription system according to the present invention includes the customer information, the investment amount information, the financial product operation information, and the financial account information included in the financial product investment information provided from the terminal device. Characterized in that to store the financial product investment history information including at least one.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a general term for information for managing and operating the financial product through a predetermined financial account that the customer intends to enter through the financial product investment information, and varies according to the characteristics and attributes of the financial product. It is preferable to carry out the deformation.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises the financial product basic information including the predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

According to an embodiment of the present invention, the storage medium 1350 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system). The storage medium 1350 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1350 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial product server 1300 provided on the financial product subscription system according to the present invention is a generic term for the components of the financial product subscription system side connected to the terminal device through a predetermined network means, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial product server 1300 is connected to the Internet banking system. Is a predetermined Internet banking server provided in the, or a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial product server 1300 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) A program included in, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or provided in the external system on the financial system. It may be a program, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the financial product server 1300 is provided on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system ( Or device), a program included in the server (or device), or a server (or device) provided in the external system on the financial system accessible through the telebanking server (or the server (or device)). Or may be a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial product server 1300 is on the TV banking system. Is a predetermined TV banking server provided in the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)) or in an external system on the financial system. It may be provided with a program, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial product server 1300 is characterized in that it comprises an interface unit 1305 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1305 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial product server 1300, the interface unit 1305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 1305 may be configured with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial product server 1300, the interface unit 1305 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1305 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1305 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 13, when the terminal device connects a predetermined communication channel with the financial product server 1300 through the interface unit 1305, the financial product server 1300 finances the product sales amount. The terminal unit generates (or extracts) at least one user interface for inputting (or selecting) predetermined financial product investment information to the financial product server 1300 for product investment, and the interface unit 1305. Interface providing unit 1310 for providing the generated (or extracted) user interface to the terminal device, and inputting (or selecting) the financial product investment information through the user interface from the terminal device. In response to the interface unit 1305, an information receiver 1315 receiving the financial product investment information transmitted from the terminal device is obtained. And it characterized in that formed.

The interface providing unit 1310 connects a predetermined communication channel with the financial product server 1300 through the interface unit 1305, and then, the financial product server 1300 of the product sales amount. When requesting a user interface for financial product investment, the terminal device inputs (or selects) predetermined financial product investment information and transmits at least one user interface to the financial product server 1300 through the network means. It generates or extracts from a predetermined database (not shown), and provides the generated (or extracted) user interface to the terminal apparatus through the network means in association with the interface unit 1305.

When the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network according to an embodiment of the present invention, the interface providing unit 1310 is provided by a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 1310 may provide a predetermined financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 1305.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1310 may include a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided and provide the generated (or extracted) user interface to the client terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1310 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 1305. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1310 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1305.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) predetermined financial product investment information to the terminal device and transmitting the predetermined financial product investment information to the financial product server 1300 through the network means. When the information registration program is provided, a user interface for inputting (or selecting) predetermined financial product investment information as described above to be transmitted to the financial product server 1300 is generated (or extracted) and provided to the terminal device. The interface providing unit 1310 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) financial product investment information including at least one of the customer information and investment amount information through the user interface, and inputs the input (or selected) financial product investment information to the network. Means for transmitting to the financial product server 1300, wherein the information receiving unit 1315 receives the financial product investment information transmitted from the terminal device in association with the interface unit 1305. do.

According to an exemplary embodiment of the present invention, the terminal apparatus checks the validity of the financial product investment information in the financial product server 1300 in the financial product investment information including at least one of the customer information and the investment amount information. Preferably, at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator is transmitted to the financial product server 1300 through the network means.

According to an exemplary embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope-based encryption method, a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the financial product investment information and transmit the same to the financial product server 1300 through the network means. Preferably, for this purpose, the terminal device has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate has a predetermined IC chip. (Or IC card), the official chip provided on the IC chip (or IC card) It is equipped with a card reader for identifying the certificate is preferred.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial instrument investment information and the technical characteristics of attaching a predetermined electronic signature to the financial product investment information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 13, when the financial product investment information transmitted from the terminal device is received through the information receiving unit 1315, the financial product server 1300 receives the received financial product investment information. Characterized in that it comprises a validity check unit 1325 to confirm whether the validity for the financial product investment.

According to an embodiment of the present invention, the financial instrument investment information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) , The validity checking unit 1325 is configured to at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic device) corresponding to the encryption method. Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received financial product investment information.

Alternatively, when a predetermined electronic signature is attached to the financial product investment information, the validity confirming unit 1325 checks the electronic signature attached to the financial product investment information, thereby validating the received financial product investment information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial product investment information, and technical features for confirming an electronic signature attached to the financial product investment information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the financial product investment information received through the information receiving unit 1315 further includes a predetermined password for confirming the validity of the financial product investment information, the validity checking unit 1325 ) Compares and authenticates the password included in the financial product investment information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received financial product investment information.

Alternatively, when the financial instrument investment information received through the information receiving unit 1315 further includes predetermined security card information for confirming the validity of the financial instrument investment information, the validity confirming unit 1325 may determine the validity of the financial instrument investment information. It is preferable to verify the validity of the received financial product investment information by comparing and authenticating the received security card information included in the financial product investment information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial product investment information received through the information receiving unit 1315 further includes a predetermined OTP code for confirming the validity of the financial product investment information, the validity checking unit 1325 may perform the financial analysis. The validity of the received financial product investment information is verified by comparing and authenticating the received OTP code included in the product investment information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 13, when the validity of the financial product investment information is authenticated through the validity checker 1325, the financial product server 1300 includes the predetermined financial product electronics including the received financial product investment information. And an electronic document transmission unit 1330 for generating a document and an electronic document transmission unit 1330 for transmitting the generated financial product electronic document to an electronic document repository associated with the financial product subscription system.

The electronic document generating unit may generate a financial product electronic document including the financial product investment information received from the terminal device through the information receiving unit 1315.

According to an exemplary embodiment of the present invention, the electronic document generation unit generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1315, and Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the electronic document generating unit generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1315, and the financial product in the document content. After including at least one or more information of the customer information, investment amount information included in the investment information in a watermarking (Watermarking) method, a document file (for example, PDF (Portable Document Format) file containing the document content including the watermarking) Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to treat with.

Alternatively, the electronic document generation unit generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1315, and captures the document content. It is preferable to process an image file including an image content (eg, image content generated by capturing the document content on a memory) into a financial product electronic document for investment in a financial product of the product sale amount.

Alternatively, the electronic document generation unit generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1315, and captures the document content. After including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in one image content (for example, image content generated by capturing the document content on the memory), It is preferable to process an image file including the image content including the watermarking as a financial product electronic document for investment in financial products of the product sales amount.

According to another exemplary embodiment of the present invention, the electronic document generation unit generates document content including at least one of customer information and investment amount information included in the investment information on financial products received through the information receiving unit 1315, A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby processing the product sales amount as a financial product electronic document for investment in financial products. It is preferable.

Alternatively, the electronic document generation unit generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1315, and captures the document content. An image that includes at least one information of customer information and investment amount information included in the investment information of the financial product in a watermarking method in an image content (for example, image content generated by capturing the document content on a memory). Word that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content including the watermarking. By generating a processor file or a web document file including an MHT). It is desirable to treat them as financial instrument electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generation unit generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1315 and And a predetermined document file (eg, Portable Document Format (PDF)) containing image content (eg, image content generated by capturing the document content on a memory) and the financial product investment information. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to process financial instruments electronically.

Alternatively, the electronic document generation unit generates document content including at least one of customer information and investment amount information included in the financial product investment information received through the information receiving unit 1315, and captures the document content. A watermarking method includes at least one of customer information and investment amount information included in the financial product investment information in an image content (for example, image content generated by capturing the document content on a memory). A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content and includes the watermarking-containing image content and the financial product investment information. Generating a word processor file including at least one or a web document file including MHT), It is treated as a financial instrument electronic documents for financial products investment product sales amounts are preferred.

In the technical field to which the present invention pertains, technical features of the electronic document generation unit generating a financial product electronic document in an image file format or a predetermined document file format, and an image corresponding to the financial product electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1330 may transmit and store the financial product electronic document generated by the electronic document generating unit to a predetermined electronic document repository associated with the financial product subscription system.

As shown in FIG. 13, the electronic document storage unit stores a predetermined electronic document server 1355 and an electronic document D / B associated with the financial product server 1300 on the financial product subscription system through a predetermined communication means. In addition, when provided to the outside, the electronic document transmission unit 1330 is characterized in that for transmitting the financial product electronic document generated by the electronic document generation unit to the electronic document server 1355 through the communication means do.

Herein, when the electronic document server 1355 and the electronic document D / B are provided outside the financial product subscription system, the electronic document server 1355 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the electronic document transmission unit 1330 may generate the financial product electronics generated by the electronic document generation unit. It is possible to store the document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the financial product subscription system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1330 may input electronic document related information (for example, inputting the financial product investment information) for generating predetermined electronic document management information in the electronic document server 1355 ( And the customer information, or the financial institution information for transmitting the financial instrument electronic document, or the electronic document file format information, or the financial instrument investment information, etc.). The present invention is not limited thereby.

Referring to FIG. 13, the financial product server 1300 has the financial product investment information received through the information receiving unit 1315 to be effective for the financial product investment of the product sales amount through the validity checking unit 1325. When the information is authenticated, the information generation unit 1335 for generating predetermined financial product operation information corresponding to the financial product based on the customer information and the investment amount information included in the financial product investment information whose validity is verified, and the financial And a financial account processing unit 1340 for opening and processing a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the product investment information.

When the validity of the financial product investment information is confirmed by the validity confirming unit 1325, the information generation unit 1335 may be provided to the financial product based on the customer information and the investment amount information included in the financial product investment information. And generate corresponding financial product management information.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the information generator 1335 corresponds to the financial product based on customer information and investment amount information included in the financial product investment information. It is preferable to generate the beneficiary certificate information (eg, the beneficiary certificate attribute including the predetermined securities number and the expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the information generator 1335 is based on the customer information and investment amount information included in the financial product investment information. Deposit information (or savings information) corresponding to a deposit (or deposit property including an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.) It is preferable to generate.

The financial account processing unit 1340 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the product sales amount corresponding to the financial product investment information It is characterized by opening a predetermined financial account for investment in financial products.

When the financial product server 1300 and the financial system exist in the same system according to an exemplary embodiment of the present invention, the financial account processing unit 1340 operates the financial product in the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger containing the information.

According to another exemplary embodiment of the present invention, when the financial product server 1300 and the financial system exist on another system connected through a predetermined communication means, the financial account processing unit 1340 may use a predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial product operation information through the external system on the financial system.

Referring to FIG. 13, the financial product server 1300 has the financial product investment information received through the information receiving unit 1315 to be effective for the financial product investment of the product sales amount through the validity checking unit 1325. When authenticated, the financial information management information and the financial account processing unit 1340 generated by the customer information and investment amount information and the information generation unit 1335 included in the financial product investment information of which the validity is certified And an information storage unit 1345 for storing the financial product investment history information including at least one financial account information in a predetermined storage medium 1350.

When the validity of the financial product investment information is confirmed by the validity confirming unit 1325, the information storage unit 1345 includes at least one of the customer information and the investment amount information included in the financial product investment information. The financial product investment history information is stored in the storage medium 1350.

In addition, when the financial product operation information generated by the information generation unit 1335 is generated, the information storage unit 1345 further includes the generated financial product operation information in the financial product investment history information. It is preferable to store in the storage medium 1350.

In addition, the information storage unit 1345 further includes the financial account information opened in the financial product investment history information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. It is preferable to store in the storage medium 1350.

According to an embodiment of the present invention, when the storage medium 1350 is provided in the financial product server 1300 or on a network connected to the financial product server 1300, the information storage unit 1345. Store the financial product investment history information in the storage medium 1350 including at least one of the customer information, investment amount information and the financial product operation information and financial account information included in the received financial product investment information. desirable.

According to another exemplary embodiment of the present invention, when the storage medium 1350 is provided in a DBMS provided on a financial system, the information storage unit 1345 may include the customer information included in the received financial product investment information. It is preferable to provide financial instrument investment history information including investment amount information and at least one financial product operation information and financial account information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system. .

Referring to FIG. 13, an electronic document server 1355 which receives a predetermined financial product electronic document from the financial product server 1300 provided on the financial product subscription system and stores and manages the electronic document D / B in a predetermined electronic document D / B. An electronic document receiving unit 1360 for receiving a predetermined financial product electronic document from the financial product server 1300 through a predetermined communication means and storing the received financial product electronic document in the electronic document D / B An information generation unit 1365 for generating predetermined electronic document management information for management; and an electronic document storage unit for linking the electronic document management information and the financial product electronic document and storing the electronic document management information in a predetermined electronic document D / B ( It is characterized in that it comprises a 1370.

The electronic document receiving unit 1360 may receive the financial product electronic document in the form of an image file or a document file from the financial product server 1300 through the communication means.

According to an exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means is included in the financial product investment information received by the financial product server 1300 from the terminal device. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including document content including at least one of customer information and investment amount information. Word processor files, or web document files containing MHT).

Alternatively, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1300 from the terminal device. Documents including document content including the watermarking after including at least one or more information of the customer information, investment amount information included in the financial product investment information in the watermarking method in the document content including at least one or more A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

Alternatively, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1300 from the terminal device. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1300 from the terminal device. At least one of customer information and investment amount information included in the financial product investment information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more document contents. After including the information in a watermarking manner, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means is included in the financial product investment information received by the financial product server 1300 from the terminal device. A predetermined document file (e.g., PDF) including image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and investment amount information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT.

Alternatively, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1300 from the terminal device. At least one of customer information and investment amount information included in the financial product investment information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more document contents. Generating image contents including information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking, Or a word processor file including at least one HWP / DOC, or a web document file including MHT). It is preferable to make it together.

According to another embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means is based on the financial product investment information received by the financial product server 1300 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) and document information including at least one of customer information and investment amount information included therein, and a predetermined value including investment information of the financial product. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the financial product electronic document received by the electronic document receiving unit 1360 through the communication means may include customer information and investment amount information included in the financial product investment information received by the financial product server 1300 from the terminal device. At least one of customer information and investment amount information included in the financial product investment information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more document contents. Create image content including the information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Information Document) including the watermarking image content and the financial product investment information). Electronic Data Interchange) file, or a word processor file containing at least one of HWP / DOC, etc., or MHT. It is preferred which comprises a web, such as a document file) to.

The information generating unit 1365 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 1360, and the financial information through the electronic document receiving unit 1360 And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 1365 refers to the financial product electronic document by referring to the financial product server 1300 that has transmitted the financial product electronic document received through the electronic document receiving unit 1360. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial product server 1300 through the electronic document receiving unit 1360, the information generating unit 1365 receives the received information. Electronic document related information (for example, customer information transmitted by inputting (selecting) the financial product investment information, financial institution information transmitting the financial product electronic document, electronic document file format information, or financial product investment information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 1370 associates a financial product electronic document received through the electronic document receiving unit 1360 with electronic document management information generated through the information generating unit 1365 to process a predetermined electronic document D /. It is characterized by storing in B.

According to the exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 is the financial product investment information received by the financial product server 1300 from the terminal device. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing document content including at least one of customer information and investment amount information included in the information. Or a web document file including the MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 may include customer information and investment included in the financial product investment information received by the financial product server 1300 from the terminal device. After the watermarking method includes at least one or more of the customer information and the investment amount information included in the financial product investment information in the document content including at least one amount of money information, the document content including the watermarking is included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 may include customer information and investment included in the financial product investment information received by the financial product server 1300 from the terminal device. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one amount of money information.

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 may include customer information and investment included in the financial product investment information received by the financial product server 1300 from the terminal device. Among the customer information and the investment amount information included in the financial product investment information in the image content (eg, the image content generated by capturing the document content on the memory) which captured document content including at least one amount of money information. After including at least one or more information in a watermarking manner, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 is a financial product investment received by the financial product server 1300 from the terminal device. A predetermined document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the information and investment amount information. For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. desirable.

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 may include customer information and investment included in the financial product investment information received by the financial product server 1300 from the terminal device. Among the customer information and the investment amount information included in the financial product investment information in the image content (eg, the image content generated by capturing the document content on the memory) which captured document content including at least one amount of money information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. File), or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to make it.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 is a financial product received by the financial product server 1300 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) and the financial product investment information, which capture document content including at least one of customer information and investment amount information included in the investment information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the financial product electronic document stored in the electronic document D / B by the electronic document storage unit 1370 may include customer information and investment included in the financial product investment information received by the financial product server 1300 from the terminal device. Among the customer information and the investment amount information included in the financial product investment information in the image content (eg, the image content generated by capturing the document content on the memory) which captured document content including at least one amount of money information. Generating image content including at least one or more information by a watermarking method, a document file including the watermarking image content and the financial product investment information (eg, a Portable Document Format (PDF) file, Or an EDI file, a word processor file including at least one of HWP / DOC, or the like, or MHT. It is preferably made of, including the web document file).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1370 in association with the financial product electronic document is assigned to the financial product electronic document. Preferably, the electronic document contains a unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1370 in association with the financial product electronic document, transmits the financial product electronic document. Preferably, the financial product server 1300 may further include information on a financial institution that has transmitted the financial product electronic document identified with reference to the financial product server 1300.

According to another exemplary embodiment of the present invention, when the electronic product information is further received from the financial product server 1300, the electronic document storage unit 1370 processes the electronic product by linking with the financial product electronic document. The electronic document management information stored in the document D / B may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the financial product investment information) or a financial institution that transmits the financial product electronic document. Information, electronic document file format information, or financial instrument investment information).

FIG. 14 illustrates an implementation method in which a storage medium 1350 for storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention. .

In more detail, FIG. 14 shows the storage medium 1350 shown in FIG. 13 in the ledger D / B when the storage medium 1350 is provided in the DBMS on the financial system or in the ledger D / B. The information structure for one embodiment of the financial product investment history information is stored in the ledger information, and if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 14 Various information construction methods for storing the financial instrument investment history information in D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 14 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger and the customer ledger and is shown in FIG. The account ledger corresponding to the financial product subscribed through the product subscription system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the system maintains at least one ledger (for example, a ledger, a loan ledger, a mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for management is included, and that the technical details of Since there will be, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, account number, abstention (month), period corresponding to the ledger At least one of periodic reception information including at least one (day), extension of period, expiration date, and target amount, or account number, deposit amount, par value, pension date, and number of shares corresponding to the account ledger. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the storage medium 1350 is the ledger D / B, or this embodiment 14 includes an implementation method provided in the ledger D / B. Additional information added to the account ledger, the financial product investment history information including at least one of the customer information and investment amount information and the financial product operation information and financial account information included in the financial product investment information provided through the product subscription system It is characterized in that it is stored in the form.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial product operation information may include profit certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises the financial product basic information including the predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating financial products subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

According to another exemplary embodiment of the present invention, the financial product investment information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, a customer ledger). It can be stored in the form of information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

15 is a storage medium 1350 for storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner according to another embodiment of the present invention, linked with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a compiled database.

More specifically, FIG. 15 illustrates an information structure for an embodiment in which the storage medium 1350 shown in FIG. 13 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configurations for storing the financial product investment details in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 15 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 15, when it is not easy to store the investment information of the financial product in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / If it is not easy to change B, or the system is not easy to expand due to the characteristics of the financial system), the financial product investment history information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D The implementation method of linking and storing / B is shown.

In addition, the database shown in FIG. 15 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 15, the storage medium 1350 includes a database associated with a ledger D / B provided in a DBMS on a financial system. And the financial product investment history information including at least one of the included customer information, investment amount information, and the financial product operation information and financial account information, wherein the financial product investment history information is stored in the ledger D / B. In order to be processed in conjunction with the financial product investment history information preferably further comprises a CIF number corresponding to the ledger information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information is invested in the financial product out of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible goods produced or sold by the customer in a predetermined financial product. It is preferable that the following information is included.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises the financial product basic information including the predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

16 illustrates an embodiment of the present invention in which a storage medium 1350 for storing financial product investment history information corresponding to a financial product subscribed in a non-face-to-face manner includes a DBMS provided in a banking server. Figure is shown.

More specifically, FIG. 16 shows a DBMS in which the storage medium 1350 shown in FIG. 13 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. The present invention provides a method for providing a financial product stored in a predetermined DBMS provided in at least one or more banking servers by referring to or modifying the present invention. It is possible to infer a method of constructing information on investment history information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 1350 includes a DBMS provided in a banking server. Referring to FIG. 16, a predetermined DBMS provided in the banking server is included in the financial product investment information. And storing the financial product investment history information including at least one of the customer information, the investment amount information, and the financial product operation information and the financial account information.

The customer information includes the unique information of the customer (tangible product seller or product producer or product relay) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.); Member information of the customer (e.g., member ID information provided in the customer ledger provided on the financial system associated with the financial product subscription system in response to the customer by the customer subscribing as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like).

The investment amount information may be included in the financial product of the sales amount of the tangible and intangible products according to the sales amount investment condition information for investing a part of the sales amount of the tangible and intangible products produced or sold by the customer in a predetermined financial product. It is preferable to include information on the amount of money to be invested.

The financial product operation information is a generic term for information for managing and operating the financial product through which a customer wants to subscribe through the financial product investment information through a predetermined financial account, and varies according to characteristics and attributes of the financial product. It is preferable to carry out modification.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the financial product, various additional attributes of the financial product and financial product basic information including the financial product management institution, or the financial product In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product investment information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

If the financial product is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is Deposited, the account attribute is preferably made to include the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

17A and 17B are diagrams illustrating a financial product subscription process for investment in financial products of a product sale price in a non-face to face manner according to one embodiment of the present invention.

In more detail, FIGS. 17A and 17B illustrate a web server function in which a terminal device on the financial product subscription system shown in FIG. 13 is a client terminal, and the financial product server 1300 is accessible to a client terminal through a predetermined network means. In the case of having a customer, if a predetermined customer to provide financial product investment information including at least one or more customer information, investment amount information through the client terminal to subscribe to a financial product for investment in financial products of the product sales amount And a method for subscribing to the financial product for investment in financial products of the product sales amount based on financial product investment information including at least one of the customer information and investment amount information in the financial product subscription system. Those skilled in the art to which the present invention pertains, FIG. 17A and FIG. Although various implementation methods of registering the financial product investment information from the client terminal to the financial product server 1300 may be inferred by referring to or modifying the surface 17b, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in this figure 17a and 17b.

For example, the method shown in FIGS. 17A and 17B includes a process of generating a predetermined electronic document corresponding to the financial instrument investment information and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, the implementation method illustrated in FIGS. 17A and 17B provides a user interface through which the client terminal inputs (or selects) the financial product investment information through a predetermined web page provided by the financial product server 1300. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial product server 1300, and the present invention is not limited thereto.

Hereinafter, in FIGS. 17A and 17B, the client terminal illustrated in FIG. 13 is referred to as a “terminal” for convenience, and the financial product server 1300 illustrated in FIG. 13 is referred to as a “server” for convenience. The customer information and the investment amount information transmitted to the financial product server 1300 are referred to as "financial product investment information" for convenience.

17A and 17B, when the client terminal illustrated in FIG. 13 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Access a server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN, etc., connect a predetermined communication channel, and invest the financial product of the product sales amount. When requesting a web page including a user interface for (1700), the server correspondingly inputs (or selects) the financial product investment information including at least one of the customer information, investment amount information sent to the server Generating (or extracting) a web page including a user interface for creating (1705) and generating (or via the network means) And it outputs the web page containing the Exodus), the user interface transmitted to the mobile station 1710.

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

Thereafter, the terminal inputs (or selects) financial product investment information including at least one or more customer information and investment amount information through a user interface included in the web page (1715).

If the terminal inputs (or selects) the financial instrument investment information including the customer information and the investment liquid crystal beam through the user interface (1720), the terminal inputs (or selects) the customer through the communication channel. Information and investment amount information are transmitted to the server (1725).

According to an embodiment of the present invention, the terminal has a predetermined password or security card for confirming the validity of the financial product investment information in the server to the financial product investment information including at least one of the customer information, investment amount information. It is preferable to further include at least one or more information or OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope based encryption method, a key exchange based encryption method, or the like), or attach a predetermined electronic signature to the investment information of the financial product and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate is provided on a predetermined IC chip (or IC card). If yes, in order to check the certified certificate provided on the IC chip (or IC card) It is preferably provided with a card reader.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or a predetermined certificate provided with at least one encryption key, or provided with the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial instrument investment information and the technical characteristics of attaching a predetermined electronic signature to the financial product investment information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the investment amount information through the communication channel to check the validity of the financial product investment information (1730).

According to an embodiment of the present invention, the financial instrument investment information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted, the server may include at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange based decryption scheme) to authenticate the validity of the received financial instrument investment information.

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

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial product investment information, and technical features for confirming an electronic signature attached to the financial product investment information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the received financial product investment information further includes a predetermined password for checking the validity of the financial product investment information, the server is included in the financial product investment information and received. By comparing and authenticating a password and a password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial product investment information.

Alternatively, when the received financial product investment information further includes predetermined security card information for confirming the validity of the financial product investment information, the server includes the received security card information included in the financial product investment information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial product investment information.

Alternatively, when the received financial product investment information further includes a predetermined OTP code for checking the validity of the financial product investment information, the server is included in the financial product investment information and the received OTP code and the It is preferable to authenticate the validity of the received financial product investment information by comparing and authenticating the OTP codes generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial product investment information is not authenticated (1735), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1740), and performs the financial product subscription procedure. I never do that.

On the other hand, if the validity of the financial product investment information is authenticated (1735), the server generates predetermined document content including the at least one customer information, investment amount information including the financial product investment information (1745), A predetermined financial product electronic document including the document content is generated (1750).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and includes a document file (eg, the document content). , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to treat the product as a financial instrument electronic document for investment in commodities.

Alternatively, the server may generate document content including at least one of customer information and investment amount information included in the received financial product investment information, and the customer information and investment amount included in the financial product investment information in the document content. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). It is preferable to process the image file including the image content generated by capturing on the memory as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). Image content generated by capturing the image on a memory) by including at least one or more information of customer information and investment amount information included in the investment information of the financial product in a watermarking manner, and then including the image content including the watermarking. It is preferable to process the image file including a financial product electronic document for investment in financial products of the product sales amount.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating at least one word processor file, or a web document file including the MHT, etc.), it is preferable to process the product sales amount as a financial product electronic document for investment in financial products.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image content including the at least one of customer information and investment amount information included in the investment information of the financial product in a watermarking method, and generating the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) including an image content included therein, or an MHT. By generating a web document file, etc., thereby processing the product sales amount as a financial product electronic document for investment in financial products. It is desirable to.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing an image content (e.g., image content generated by capturing the document content on a memory) and the investment information of the financial product. File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process the product sales amount as a financial product electronic document for investment in financial products. Do.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image on the memory) to generate the image content including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in a watermarking (watermarking) method, A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the included image contents and the investment information of the financial product, Or a web document file including an MHT) to invest the financial product of the selling amount of the product. It is desirable to process financial instruments electronically.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1755).

As shown in FIG. 13, the electronic document repository is provided externally including a predetermined electronic document server 1355 and an electronic document D / B associated with a server on the financial product introduction system through predetermined communication means. In this case, the server preferably transmits the generated financial instrument electronic document to the electronic document server 1355 through the communication means and stores the electronic document server 1355 in the electronic document D / B.

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

According to an embodiment of the present invention, storing the electronic product electronic document in the electronic document repository may be performed by linking and processing the generated financial product electronic document and predetermined electronic document management information. It is preferable to include storing in / B.

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

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

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial product investment information, or financial institution information transmitting the financial product electronic document, or electronic document file). Format information, or financial instrument investment information).

If the financial product electronic document is stored in the electronic document repository (1760), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Generate (1765).

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores deposit information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. (Or savings information) (e.g., generating an account number corresponding to a given deposit / storage, a deposit (or savings) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.) desirable.

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1770). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, the investment amount information, the generated financial product operation information, and the generated financial account information included in the financial product investment information. Stored in a storage medium 1350 (1775)

According to an exemplary embodiment of the present invention, when the storage medium 1350 is provided in the server or on a network connected to the server, the server includes the customer information included in the received financial product investment information. Preferably, the storage medium 1350 stores investment product information, financial product investment information, and financial product investment history information including at least one financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1350 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 1350). ) To generate (or extract) the details of storing the financial product investment information and transmits it to the terminal (1780).

According to an embodiment of the present invention, the storage medium 1350 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system). The storage medium 1350 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1350 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

18A, 18B, and 18C are diagrams illustrating a financial product subscription process for investment in financial products of a product sale amount according to one embodiment of the present invention.

In more detail, FIGS. 18A, 18B, and 18C illustrate a case where the financial product subscription system shown in FIG. 13 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial product subscription shown in FIG. 13). In the case where the financial product server 1300 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits predetermined financial product investment information to the internet banking server in order to subscribe to a financial product for financial product investment of the product sale amount, the customer information and investment amount information in the internet banking server. The financial product investment of the product sales amount based on the financial product investment information including at least one; If the person of ordinary skill in the technical field to which the present invention belongs, the reference method or modification of the present invention through the other types of non-face-to-face financial transaction channel Various implementation methods for registering the financial product investment information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 18A, 18B, and 18C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 18A, 18B, and 18C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering financial product investment information between the client terminal and the internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs, The client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 18A, 18B, and 18C. between Although it may be possible to infer a method of connecting an internet banking-based financial transaction channel for registration of financial product investment information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 18a, 18b and 18c, telebanking The system or other banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of financial product investment information. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. 18A, 18B and 18C. It is by no means limited to Internet banking.

In addition, although the embodiment illustrated in FIGS. 18A, 18B, and 18C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

18A, 18B, and 18C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial product server 1300 is referred to as " server "

18A, 18B, and 18C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1800a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1805a), where the communication channel is generated (or extracted) by a request of a browser program provided to the terminal from the server and transmitted to the terminal, and to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be installed or updated in the terminal (1815a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. Mount or update (1820a).

If the terminal does not need to install or update the latest version of the Internet banking security module (1825a), or if the terminal does not need to load or update the Internet banking security module (1815a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1830a), where the security channel for internet banking is referred to. Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and is defined in the information (or data) to be provided to the server for registration of investment information of the financial product in the terminal. When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of financial product investment information in the terminal. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1835a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1840a). In operation 1845a, the server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1850a), the server blocks the Internet banking security channel for the terminal (1855a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1850a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1860a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined financial product investment information for financial product investment of a product sale amount from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for investing the financial product of the product sales amount to the server through an internet banking-based financial transaction channel (1800b), the server correspondingly requests the customer information, Generate (or extract) a web page including a user interface for inputting (or selecting) financial product investment information including at least one investment amount information and transmitting the same to the server (1805b); The webpage including the generated (or extracted) user interface is transmitted to the terminal and output through the channel (1810b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) financial product investment information including at least one of customer information and investment amount information in the terminal. In order to verify the validity of an Internet banking customer requesting to register financial instrument investment information, certain password or security card information (e.g., security card information printed on the security card issued to the customer during the internet banking application process) or OTP ( One Time Password) (eg, an Internet banking application process (or after the Internet banking application) further includes a user interface for inputting a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. It is preferable.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the financial product investment information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial product investment information including at least one of the customer information and investment amount information through the financial product subscription interface (1815b).

If the terminal inputs (or selects) financial product investment information including the customer information and investment amount information through the user interface (1820b), the terminal inputs (or selects) the information through the financial transaction channel. The financial instrument investment information is transmitted to the server (1825b).

According to an embodiment of the present invention, the terminal has a predetermined password or security card for confirming the validity of the financial product investment information in the server to the financial product investment information including at least one of the customer information, investment amount information. It is preferable to further include at least one or more information or OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the investment information of the financial product and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC card) If equipped, to check the official certificate provided in the IC chip (or IC card) It is preferably provided with a card reader.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) that includes financial product investment information including at least one of the customer information and investment amount information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or a predetermined certificate provided with at least one encryption key, or provided with the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial instrument investment information and the technical characteristics of attaching a predetermined electronic signature to the financial product investment information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the financial product investment information through the financial transaction channel to confirm the validity of the financial product investment information (1830b).

According to an embodiment of the present invention, the financial instrument investment information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted, the server may include at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange based decryption scheme) to authenticate the validity of the received financial instrument investment information.

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

Those skilled in the art to which the present invention pertains may include technical features for various decryption methods for decrypting the encrypted financial product investment information, and technical features for confirming an electronic signature attached to the financial product investment information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the received financial product investment information further includes a predetermined password for checking the validity of the financial product investment information, the server is included in the financial product investment information and received. By comparing and authenticating a password and a password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial product investment information.

Alternatively, when the received financial product investment information further includes predetermined security card information for confirming the validity of the financial product investment information, the server includes the received security card information included in the financial product investment information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial product investment information.

Alternatively, when the received financial product investment information further includes a predetermined OTP code for checking the validity of the financial product investment information, the server is included in the financial product investment information and the received OTP code and the It is preferable to authenticate the validity of the received financial product investment information by comparing and authenticating OTP codes generated based on predetermined OTP generation information provided in correspondence with the customer on a DBMS.

According to the method of the present invention, the validity of the financial product investment information is registered at least one or more ledger information matching the financial product investment information in the ledger D / B on the financial system associated with the financial product subscription system is registered It is preferable to include checking whether there is.

For example, the validity confirmation of the financial product investment information may be performed by checking the customer information (customer information, member information, etc.) of the information included in the financial product investment information on the financial system associated with the financial product subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial instrument investment information is not authenticated (1835b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1840b), and performs the financial product subscription procedure. I never do that.

On the other hand, if the validity of the financial product investment information is authenticated (1835b), the server generates at least one document content including the investment information and at least one customer information including the financial product investment information (1845b), A predetermined financial product electronic document including the document content is generated (1850c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and includes a document file (eg, the document content). , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to treat the product as a financial instrument electronic document for investment in commodities.

Alternatively, the server may generate document content including at least one of customer information and investment amount information included in the received financial product investment information, and the customer information and investment amount included in the financial product investment information in the document content. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). It is preferable to process the image file including the image content generated by capturing on the memory as a financial product electronic document for investment in financial products of the product sales amount.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). Image content generated by capturing the image on a memory) by including at least one or more information of customer information and investment amount information included in the investment information of the financial product in a watermarking manner, and then including the image content including the watermarking. It is preferable to process the image file including a financial product electronic document for investment in financial products of the product sales amount.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating at least one word processor file, or a web document file including the MHT, etc.), it is preferable to process the product sales amount as a financial product electronic document for investment in financial products.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image on the memory) to generate the image content including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in a watermarking (watermarking) method, A document file including an image content included (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including an MHT). Document file, etc.), and process the product sales amount as a financial product electronic document for investment in financial products. It is preferable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing an image content (e.g., image content generated by capturing the document content on a memory) and the investment information of the financial product. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) to process the product sales amount as a financial product electronic document for investment in financial products. desirable.

Alternatively, the server generates document content including at least one of customer information and investment amount information included in the received financial product investment information, and captures the image content (eg, the document content). To the image content generated by capturing the image on the memory) to generate the image content including at least one or more information of the customer information, the investment amount information included in the investment information of the financial product in a watermarking (watermarking) method, A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the included image contents and the investment information of the financial product, Or a web document file including an MHT) to invest the financial product of the selling amount of the product. It is desirable to process financial instruments electronically.

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

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1855c).

As shown in FIG. 13, the electronic document repository is provided externally including a predetermined electronic document server 1355 and an electronic document D / B associated with a server on the financial product subscription system through predetermined communication means. In this case, the server preferably transmits the generated financial instrument electronic document to the electronic document server 1355 through the communication means and stores the electronic document D / B in the electronic document D / B.

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

According to an embodiment of the present invention, storing the electronic product electronic document in the electronic document repository may be performed by linking and processing the generated financial product electronic document and predetermined electronic document management information. It is preferable to include storing in / B.

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

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

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial product investment information, or financial institution information transmitting the financial product electronic document, or electronic document file). Format information, or financial instrument investment information).

If the financial product electronic document is stored in the electronic document storage room (1860c), the server determines predetermined financial product operation information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. Generates 1865c.

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

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server stores deposit information corresponding to the financial product based on customer information and investment amount information included in the financial product investment information. (Or savings information) (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute including an interest (or interest rate) corresponding to the deposit / storage and a subscription period, etc.) is preferably generated. Do.

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and investment amount information included in the financial product investment information in connection with the financial system (1870c). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the financial product investment information. It is characterized by opening a predetermined financial account for investment in financial products of the sales amount.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial product operation information.

Subsequently, the server may include financial product investment history information including at least one of the customer information, the investment amount information, the generated financial product operation information, and the generated financial account information included in the financial product investment information. In the storage medium 1350 (1875c).

According to an exemplary embodiment of the present invention, when the storage medium 1350 is provided in the server or on a network connected to the server, the server includes the customer information included in the received financial product investment information. Preferably, the storage medium 1350 stores investment product information, financial product investment information, and financial product investment history information including at least one financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1350 is provided in a DBMS provided on a financial system, the server includes the customer information, the investment amount information, and the information included in the received financial product investment information. The financial product investment history information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (eg, a history of opening a financial account corresponding to the financial product, or a history of storing the financial product electronic document in the electronic document repository, or the storage medium 1350). ) To generate (or extract) the details of storing the financial product investment information and transmits the generated information to the terminal (1880c).

According to an embodiment of the present invention, the storage medium 1350 is preferably provided in a DBMS on a financial system provided on the financial product subscription system (or associated with the financial product subscription system). The storage medium 1350 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1350 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

According to the present invention, through the financial investment according to the purchase of tangible and intangible products, the purchase of tangible and intangible products has the advantage that it is possible to generate interesting new revenues at the same time as the purchase of goods.

In addition, the merchandise seller has the advantage of being able to raise the merchandise sales profit and at the same time create a new revenue source from financial investment.

In addition, financial institutions, along with the financial product sales revenue has the advantage that it can secure a product seller and product sales customers as new customers.

Claims (4)

When the purchase of the tangible and intangible goods through the merchant terminal, transmitting the card information, the product specific information of the goods purchased customers from the terminal to the server on the network; Confirming customer information corresponding to the transmitted customer card information at a server; Confirming, by the server, tangible or intangible product producer (or seller or intermediary) information corresponding to the transmitted unique product information; Providing, by a server, the customer information and the purchase product specific information to the identified tangible and intangible product producer (or seller or intermediary); The financial product investment processing method associated with the merchant terminal, comprising the step of the product producer (or seller) investing a portion of the product sales amount corresponding to the provided customer information and the purchased product unique information; . The method of claim 1, Checking the customer information corresponding to the transmitted customer card information in the server, Checking through the card information database provided (or linked) in the server, or in connection with the financial institution server connected to the server and the network, the financial product investment processing method associated with the merchant terminal. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Merchant terminal for transmitting the card information, the product specific information of the purchased product to the server on the network at the time of payment, tangible and intangible purchase; A server that checks customer information corresponding to customer card information transmitted from the affiliated store terminal, and provides the identified customer information and purchased product unique information to the tangible or intangible product producer (or seller or broker) corresponding to the purchased product unique information. ; And A financial product subscription server for receiving a product producer (or seller or intermediary) financial product investment request at a terminal and investing a part of the product sales amount in the financial product; Investment processing system.

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