KR20090001952A - Stock index interlocking loan method and system and program recording medium therefor - Google Patents

Abstract

The present invention relates to a stock index interlocking loan method and system and a program recording medium for the same, the stock index linked loan method according to the present invention, customer information received from a predetermined terminal in a predetermined information registration means, loan application information, Storing the stock price linked loan information including at least one of account information and knockout option information in a predetermined storage medium; and in connection with a predetermined stock index providing means in a predetermined information checking means, the stock price stored in the storage medium. Confirming a predetermined stock index corresponding to the interlocked loan information according to a predetermined period; and checking a change in the stock index corresponding to the identified stock price linked loan information by a predetermined rate of increase calculation, thereby increasing the stock index. Calculating a rate of return corresponding to the calculated stock index increase rate in a predetermined information operating means; Determining a predetermined amount of the loan to be paid to the customer in accordance with the rate of return.

Description

System and Method for Loan Related to Stock Price Index and Program Recording Medium}

1 is a diagram illustrating a system for registering a stock price linked loan information in a face-to-face manner for applying for a stock price linked loan according to an exemplary embodiment of the present invention.

2 is a diagram showing the structure of the stock price linked loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the share price linked loan according to an embodiment of the present invention.

3 is a diagram illustrating a structure of stock price loan information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for share price linked loan according to another embodiment of the present invention.

FIG. 4 is a diagram illustrating a configuration of stock price loan information stored in a DBMS provided in a banking server in a face-to-face manner for a stock price loan according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of registering share price linked loan information in a face-to-face manner according to an embodiment of the present invention.

6A and 6B illustrate a process of registering share price linked loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering share price linked loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating a system for registering a stock price linked loan information in a face-to-face manner for applying for a stock price linked loan according to another exemplary embodiment of the present invention.

9 is a diagram showing the structure of the stock price linked loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the share price linked loan according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a structure of stock price loan information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for share price linked loan according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a configuration of stock price loan information stored in a DBMS provided in a banking server in a face-to-face manner for a stock price loan according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a process of registering share price linked loan information in a face-to-face manner according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a stock price linked loan management system for a stock price linked loan operation according to one embodiment of the present invention. FIG.

14 is a view showing the configuration of loan processing information stored in the ledger D / B provided in the DBMS on the financial system for the share price linked loan according to an embodiment of the present invention.

15 is a diagram illustrating a share price linked loan operating process in a face-to-face manner according to an embodiment of the present invention.

<Description of main parts of drawing>

1300: loan management server 1305: information verification unit

1310: rate increase unit 1315: information operation unit

1320: information storage unit 1325: information transmission unit

1330: storage medium

The present invention includes the steps of storing the stock price linked loan information including at least one or more customer information, loan application information, account information, knockout option information received from a predetermined terminal in a predetermined information registration means in a predetermined storage medium; Checking a predetermined stock index corresponding to the stock price linked loan information stored in the storage medium according to a predetermined period in association with the predetermined stock index providing means in a predetermined information checking means; Identifying a change in the stock index corresponding to the confirmed stock price linked loan information, calculating a rate of increase of the stock index, and checking a rate of return corresponding to the calculated stock index increase rate in a predetermined information operating means, The present invention relates to a stock index linked loan method comprising determining a predetermined amount to be paid to the loan customer. .

It is necessary to create customer demand by applying differential interest rate according to the stock price fluctuation to lending customers in connection with the option strategy of PGA term deposit, which is an existing product, and present cash flow for interest payment is moderate, and future stock index is moderate Financial products are being sought to satisfy the needs of corporations and individuals that are expected to rise.

An object of the present invention for solving the problem is to store the stock price linked loan information including at least one or more customer information, loan application information, account information, knockout option information received from a predetermined terminal on a predetermined storage medium. Information confirmation means for confirming, according to a predetermined period, a predetermined stock index corresponding to the stock price linked loan information stored in the storage medium in association with the information registering means and the predetermined stock index providing means, and the identified stock price linked loan. Confirmation of the change in the stock price index corresponding to the information, the rate of increase calculation means for calculating the rate of increase of the stock index, and the rate of return corresponding to the calculated rate of increase in the stock price predetermined to be paid to the loan customer according to the rate of return To provide a stock index linked loan system including information management means for determining the amount.

The stock index linked loan method according to the present invention comprises a predetermined price information linked loan information including at least one or more customer information, loan application information, account information, knockout option information received from a predetermined terminal in a predetermined information registration means; Storing a predetermined stock index corresponding to the stock price linked loan information stored in the storage medium in a predetermined period, in connection with the storage medium, and in connection with the predetermined stock index providing means in the predetermined information checking means; Checking a change in the stock price index corresponding to the identified stock price linked loan information by a predetermined rate of increase calculation means, and calculating a rate of increase of the stock price index; and corresponding to the calculated price index increase rate by a predetermined information operating means. And determining a predetermined amount to be paid to the loan customer based on the yield. It characterized by that.

According to the present invention, the stock index linked loan method, characterized in that the information operating means comprises the step of checking whether the rate of increase in the stock index falls within a predetermined knock-out (knock-out) range.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-mentioned stock index linked loan method.

On the other hand, the stock index linked loan system according to the present invention, the stock price linked loan information including at least one or more customer information, loan application information, account information, knockout option information received from a predetermined terminal in a predetermined storage medium Information confirming means for confirming, according to a predetermined period, a predetermined stock index corresponding to the stock price linked loan information stored in the storage medium, in association with the information registering means, and the predetermined stock index providing means; A predetermined rate to be paid to the loan customer according to the rate of return by checking a change in the stock index corresponding to the loan information, calculating a rate of increase of the stock index, and a rate of return corresponding to the calculated rate of stock index increase; Characterized in that it comprises an information operating means for determining the amount of.

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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. 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 will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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 illustrating a system for registering a stock price linked loan information in a face-to-face manner for applying for a stock price linked loan according to an exemplary embodiment of the present invention.

In more detail, Figure 1 shows that when a given customer prepares and submits a price-linked loan application application including at least one of customer information, loan application information, account information, and knock-out option information for the price-linked loan, In addition, through the predetermined image acquisition device at the teller terminal (or employee terminal) provided at the branch (or branch or head office) of the financial institution, the predetermined image content corresponding to the share price linked loan application is obtained, and the predetermined information registration interface is obtained. When a stock price linked loan information registration system provides the stock linked loan information corresponding to the stock linked loan application and the image contents obtained from the stock linked loan application, a predetermined stock linked loan electronic document including the image contents is provided. The customer information generated and stored in a predetermined electronic document storage and included in the stock price linked loan information And a loan application information, account information, and knock-out option information. The system is configured to store the information in a predetermined storage medium 145. Specifically, the electronic document repository uses a predetermined communication means. It is about the implementation method provided on the external system associated with the stock price linked loan information registration system.

Persons of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 1 to infer various implementation methods for the construction of a system for registering a stock price loan information for linked price loans. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains can refer to or modify the drawing 1 to infer an implementation method provided in the DBMS where the electronic document repository is located in the share price linked information registration system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 1, the stock price linked loan electronic document corresponding to the stock price linked loan application is described as being generated on the server side on the price linked loan information registration system. The share price linked loan electronic document is not limited thereto, and the share price linked loan electronic document may be generated at a terminal that acquires image content corresponding to the share price linked loan application through a predetermined image acquisition device (for example, the electronic device provided at the server side). A document generation function is provided on the terminal side to generate the share price linked loan electronic document), by which the present invention is not limited.

Hereinafter, a stock price linked loan electronic document is provided on the stock price linked loan information registration system shown in FIG. 1 by receiving stock price linked loan information and image contents corresponding to the stock price linked loan application created by the customer through a predetermined information registration interface. A component corresponding to at least one or more means or functional configurations for generating and storing the information in a predetermined electronic document storage and storing the share price linked loan information in the predetermined storage medium 145, for convenience of information " information registration server 100 " It is called.

Referring to FIG. 1 according to an embodiment of the present invention, the stock price linked loan information registration system for the stock price linked loan is a teller terminal (or employee terminal) provided in at least one financial institution branch (or branch or head office). Characterized in that it comprises an information registration terminal 175, the information registration terminal 175 and the information registration server 100 provided on the stock price linked loan information registration system through a predetermined financial network; The communication channel is connected.

According to an embodiment of the present invention, the customer visits the financial institution branch (or branch or main branch) for the share price linked loan application, and through the window provided in the financial institution branch (or branch or main branch) ( Or through a window clerk) prepare a predetermined price-linked loan application (eg, a document having a form for filling in at least one information item for the price-linked loan), wherein the customer It is preferable to seal the customer's seal (eg, corporate seal or seal of use) for the legal basis for the share price linked loan application.

Subsequently, when the customer submits the completed stock price linked loan application to a teller (eg, a loan officer, etc.), the teller scans the stock price linked loan application through a predetermined image obtaining device to scan a predetermined image content. Image contents acquired in response to the stock price loan application through a predetermined window terminal, and customer information, loan application information, account information, and knock-out option information written in the stock price linked loan application. Input (or select) the stock price linked loan information including at least one, and correspondingly, the counter terminal provides the image contents and the stock price linked loan information on the stock linked loan information registration system through the financial network; It is preferable to transmit to the registration server 100.

Here, the window terminal preferably comprises a financial terminal used by the employee of the branch (or branch or head office) of the financial institution, the information registration server 100 is connected to the window terminal on the predetermined financial system It is preferable to include a provided server (eg, ledger server, etc.), the financial network connecting the teller terminal and the information registration server 100 connects the communication channel between the teller terminal and the information registration server 100. It is preferable to comprise the network to say.

In the stock price linked loan information registration system as described above, the image acquisition device for obtaining the image content corresponding to the stock price linked loan application created by the customer, the window terminal and the window terminal and the information registration server used by the employee ( The financial network connecting 100 performs a function of an information registration interface for registering the stock price linked loan information by the customer for the stock price linked loan application.

The storage medium 145 provided on the stock price linked loan information registration system according to the present invention includes the customer information, loan application information, account information, included in the stock price linked loan information provided from the information registration terminal 175. The knock-out option information may be stored in a cooperative process.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving a predetermined loan according to the stock price linked loan application of the customer.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the stock linked loan information registration system (or linked with the stock linked information loan system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 145 is provided on (or associated with) the stock price linked loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The information registration server 100 provided on the stock price linked loan information registration system according to the present invention is a generic term for the components of the stock price linked information registration system side connected to the information registration terminal 175 through a predetermined financial network. It may be implemented by including at least one server (or 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 an embodiment of the present invention, when the information registration terminal 175 is a teller terminal connected to a predetermined financial network, the information registration server 100 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided in, 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 method 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 175 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 175 is a window terminal that is connected to a predetermined financial network, the interface unit 105 determines the window terminal and the predetermined window based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined information registration terminal 175 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the stock price is calculated. Acquiring an image content corresponding to the stock price linked loan application prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 175 for the linked loan application, and the stock price linked loan corresponding to the stock price linked loan application Generate (or extract) at least one user interface that inputs (or selects) information and transmits the information to the information registration server 100, and generates or extracts the user interface in association with the interface unit 105. Interface linkage providing unit 110 to the information registration terminal 175 and the stock price linkage through the user interface at the information registration terminal 175. When the stock price linked loan information corresponding to the loan application is input (or selected) and transmitted, the information receiver 115 receives the stock price linked loan information transmitted from the information registration terminal 175 in association with the interface unit 105. And, when the information registration terminal 175 acquires and transmits the image content corresponding to the stock price linked loan application written by the customer through a predetermined image acquisition device based on the user interface, the interface unit 105 and the interface unit 105. And an image receiving unit 120 which receives the image contents corresponding to the stock price linked loan application.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When the user interface request for a stock price linked loan is requested, an image content corresponding to the stock price linked loan application written by the customer is obtained through a predetermined image acquisition device provided in the information registration terminal 175, and the stock price linked loan application Generate at least one user interface for inputting (or selecting) share price linked loan information corresponding to the information to the information registration server 100 through the financial network, or extract from a predetermined database (not shown). And the information registration terminal 17 via the financial network to the user interface generated (or extracted) in conjunction with the interface unit 105. 5) characterized in that provided.

According to another exemplary embodiment of the present invention, the information registration terminal 175 acquires image contents corresponding to the stock price linked loan application written by the customer through a predetermined image obtaining apparatus, and performs stock price linked corresponding to the stock price linked loan application. When a predetermined information registration program having at least one user interface for inputting (or selecting) loan information and transmitting the information to the information registration server 100 through the financial network is provided, obtaining a predetermined image as described above. Acquire image content corresponding to the stock price linked loan application written by the customer through the device, input (or select) stock price linked loan information corresponding to the stock price linked loan application, and transmit the information to the information registration server 100. An interface for generating (or extracting) a user interface and providing the same to the information registration terminal 175. 'S provider 110 and mubang be omitted, to which the present invention is not limited.

Thereafter, the information registration terminal 175 inputs (or selects) the stock price linked loan information including at least one of the customer information, loan application information, account information, and knock-out option information through the user interface. And transmits the input (or selected) share price linked loan information to the information registration server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105. Characterized in that the stock price linked loan information transmitted from the information registration terminal 175.

In addition, the information registration terminal 175 acquires the image content corresponding to the stock price linked loan application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image receiving unit 120 receives the image contents corresponding to the stock price linked loan application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the information registration terminal 175 acquires image content corresponding to the stock price linked loan application prepared by the customer through a predetermined image acquisition device, and transmits the image content to the information registration terminal 175. In the case of pre-stored in a predetermined storage device provided (or associated), the information registration terminal 175 is a stock price linked loan application made by the customer of at least one or more image content previously stored in the storage device through the user interface Select the image content corresponding to the transmission to the information registration server 100 through the financial network, in response to the image receiving unit 120 in association with the interface unit 105 in response to the share price linked loan application It is desirable to receive the image content.

According to another embodiment of the present invention, the image registration corresponding to the stock price linked loan application written by the customer and the stock price linked loan information corresponding to the stock price linked loan application in the information registration terminal 175 When transmitting together, the information receiver 115 may receive the image content corresponding to the stock price loan application and the stock price linked loan information together with the interface unit 105 (eg, the image receiver 120). ) Is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the stock price linked loan information transmitted from the information registration terminal 175 is received through the information receiving unit 115, the information linked server loan information is received. Characterized in that it comprises a validity check unit 125 to determine whether the validity for the share price linked loan.

According to the method of the present invention, the validity of the stock price linked loan information is at least one or more ledger information that matches the stock linked loan information in the ledger D / B on the financial system linked to the stock linked loan information registration system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the stock price linked loan information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the stock linked information registration system; It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirming unit 125 checks whether the account information among the information included in the share price linked loan information matches the account ledger stored in the ledger D / B on the financial system linked to the share price linked loan information registration system. It is preferable that it consists of including.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 175 through the image receiving unit 120, and the stock price through the validity checking unit 125. When the validity of the interlocking loan information is authenticated, all the advisory book generation unit 130 for generating a predetermined share price linked loan electronic document including the received image content, and the price share linked with the generated share price linked loan electronic document And an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the loan information registration system.

The electronic document generating unit 130 generates a share price linked loan electronic document including the image content received from the information registration terminal 175 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 shares the image file including the image contents received from the information registration terminal 175 through the image receiving unit 120 as it is. It is desirable to process the price-linked loan electronic document for the purpose.

Alternatively, the electronic document generation unit 130 is included in the stock price linked loan information received through the information receiving unit 115 to the image content received from the information registration terminal 175 through the image receiving unit 120. Stock linkage for share price interlocking an image file corresponding to an image content including at least one or more of customer information, loan application information, account information, and knock-out option information by watermarking It is desirable to create a loan electronic document.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 175 through the image receiving unit 120) Generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create a share price linked loan electronic document for the.

Alternatively, the electronic document generation unit 130 is included in the stock price linked loan information received through the information receiving unit 115 to the image content received from the information registration terminal 175 through the image receiving unit 120. Generates image content including at least one or more of customer information, loan application information, account information, and knock-out option information by watermarking, and includes a predetermined image including the generated image content. By generating a 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 HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate a stock price linked loan electronic document for the stock price linked loan.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 175 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received share price linked loan information, or an MHT. By generating a web document file, including), it is preferable to generate a stock price linked loan electronic document for the stock price linked loan.

Alternatively, the electronic document generation unit 130 is included in the stock price linked loan information received through the information receiving unit 115 to the image content received from the information registration terminal 175 through the image receiving unit 120. Generate image content including at least one or more of customer information, loan application information, account information, and knock-out option information by a watermarking method, and the generated image content and the share price linked loan. A predetermined document file including 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, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a stock price linked electronic document for the price linked loan.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generating unit 130 generates an electronic document of the stock price of the image file format or a predetermined document file format, and the stock price linked loan You will be familiar with the technical features of the file format for image files or document files that correspond to electronic documents, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the stock price linked loan electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the stock price linked loan information registration system. It is done.

As shown in FIG. 1, the electronic document repository is connected to the information registration server 100 on the share price linked loan information registration system through a predetermined communication means, and the electronic document server 150 and the electronic document D / B. When provided to the outside, including the 170, the electronic document transmission unit 135 is the electronic document server through the communication means for the stock price linked loan electronic document generated by the electronic document generation unit 130 ( 150) characterized in that the transmission.

Here, when the electronic document server 150 and the electronic document D / B (170) is provided outside the share price linked information registration system, the electronic document server 150 and the electronic document D / B (170) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the share price linked information registration system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. The stock price linked loan electronic document can be stored in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided in the stock price linked loan information registration system, whereby the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, stock price linkage corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 150. 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 stock price linked loan, etc. for sending the loan application, the stock price linked loan electronic document, Thereby, this invention is not limited.

Referring to FIG. 1, when the stock price linked loan information received through the information receiving unit 115 is validated for the stock price linked loan through the validity checking unit 125, Information storage unit 140 for processing the customer information, loan application information, account information, knock-out option information included in the validated stock price linked loan information stored in a predetermined storage medium 145 It is characterized by comprising a).

When the validity of the stock price linked loan information is confirmed by the validity checking unit 125, the information storage unit 140, customer information, loan application information, account information, knockout included in the stock price linked loan information (knock-out) option information is stored in the storage medium 145 by linkage processing, the storage medium 145 is provided in the information registration server 100, or the information registration server 100 When provided on the network associated with, the information storage unit 140 processes the customer information, loan application information, account information, knock-out option information included in the received stock price linked loan information Preferably, the storage medium 145 is stored in the storage medium 145. When the storage medium 145 is provided in a DBMS provided on a financial system, the information storage unit 140 is included in the received share price linked loan information. Customer information, loan application information, Information, camel out (knock-out) option information through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 1, a predetermined stock price linked loan electronic document is received from the information registration server 100 provided on the stock price linked loan information registration system, and stored and managed in a predetermined electronic document D / B 170. The electronic document server 150 includes an electronic document receiver 155 for receiving a predetermined stock price linked loan electronic document from the information registration server 100 through a predetermined communication means, and the received stock price linked loan electronic document. The information generating unit 160 generates predetermined electronic document management information for storing and managing the electronic document D / B 170, and the electronic document management information and the stock price linked loan electronic document are processed in a predetermined electronic manner. Characterized in that the electronic document storage unit 165 is stored in the document D / B (170).

The electronic document receiving unit 155 may receive a share price linked loan electronic document in the form of an image file or a document file from the information registration server 100 through the communication means.

According to an embodiment of the present invention, the stock price linked loan electronic document received by the electronic document receiving unit 155 through the communication means is the image content received by the information registration server 100 from the information registration terminal 175. It is preferable that the image file including the same as it is made.

Alternatively, the stock price linked loan electronic document received by the electronic document receiving unit 155 through the communication means may include the stock price linked loan information on the image content received by the information registration server 100 from the information registration terminal 175. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, loan application information, account information, knock-out option information contained in the watermarking method (watermarking) Do.

According to another exemplary embodiment of the present invention, the stock price linked loan electronic document received by the electronic document receiver 155 through the communication means is received by the information registration server 100 from the information registration terminal 175. 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 stock price linked loan electronic document received by the electronic document receiver 155 through the communication means may be included in the stock price linked loan information on the image content received by the information registration server 100 from the information registration terminal 175. Predetermined document files (e.g., PDFs) containing image content including at least one or more of the included customer information, loan application information, account information, and knock-out option information by watermarking. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the share price linked loan electronic document received by the electronic document receiving unit 155 through the communication means is received by the information registration server 100 from the information registration terminal 175. 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 image content and the stock price linked loan information; Or a web document file including the MHT).

Alternatively, the stock price linked loan electronic document received by the electronic document receiver 155 through the communication means may be included in the stock price linked loan information on the image content received by the information registration server 100 from the information registration terminal 175. Predetermined documents including at least one or more of the included customer information, loan application information, account information, knock-out option information by watermarking method and the stock price linked loan information 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.

The information generating unit 160 is a predetermined electronic document unique number (or unique information) to be assigned to the stock price linked loan electronic document received through the electronic document receiving unit 155, and through the electronic document receiving unit 155 And generating electronic document management information including electronic document storage date and time information including a date and time at which the stock price linked loan electronic document was received (or a date and time at which the stock price linked loan electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 160 refers to the stock registration loan 100 which has transmitted the stock price linked loan electronic document received through the electronic document receiving unit 155. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including 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 information registration server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document-related information (e.g., customer information for which a stock price loan application corresponding to the image content is prepared, financial institution information for transmitting the stock price linked loan electronic document, electronic document file format information, or stock price linked loan information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 165 associates the stock price linked loan electronic document received through the electronic document receiving unit 155 with the electronic document management information generated through the information generating unit 160 to process a predetermined electronic document D. / B (170) characterized in that the storage.

According to the exemplary embodiment of the present invention, the stock registration linked electronic document stored by the electronic document storage unit 165 in the electronic document D / B 170, the information registration server 100 is the information registration terminal ( Preferably, the image file including the image content received from 175 is included as it is.

Alternatively, the stock price linked loan electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may include the image content received by the information registration server 100 from the information registration terminal 175. An image file corresponding to an image content including at least one or more information among customer information, loan application information, account information, and knock-out option information included in the stock price linked loan information in a watermarking manner. It is preferable to comprise a.

According to another embodiment of the present invention, the stock registration linked electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the information registration server 100 is the information registration terminal ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one document file including the image content received from 175, or Web document file including MHT).

Alternatively, the stock price linked loan electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be included in the image content received by the information registration server 100 from the information registration terminal 175. A predetermined document including image content including at least one or more of customer information, loan application information, account information, and knock-out option information included in the stock price linked loan information in a watermarking manner. 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.

According to another embodiment of the present invention, the stock price linked loan electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the information registration server 100 is the information registration terminal At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from 175 and the share price linked loan. Word processor files, or web document files containing MHT).

Alternatively, the stock price linked loan electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be included in the image content received by the information registration server 100 from the information registration terminal 175. Image content including the customer information, loan application information, account information, knock-out option information included in the stock price linked loan information by a watermarking method and the stock price linked loan A predetermined document file including 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, etc.), or a web document including an MHT. File).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 170 by linking the electronic document storage unit 165 with the stock price linked loan electronic document is the stock price linked loan electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document 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 170 by linking the electronic document storage unit 165 with the stock price linked loan electronic document is the stock price linked loan. It is preferable that the financial institution further includes information on the financial institution that has transmitted the stock price linked loan electronic document identified with reference to the information registration server 100 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 165 processes the link with the share price linked electronic document and the The electronic document management information stored in the electronic document D / B 170 may include the received electronic document related information (for example, customer information in which a stock price loan application corresponding to the image content is made, or the stock price linked loan electronic document). Financial institution information, or electronic document file format information, or the stock price linked loan information).

2 is a diagram illustrating the structure of the stock price linked loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the share price linked loan according to an embodiment of the present invention.

In more detail, in FIG. 2, when the storage medium 145 illustrated in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the customer information and loan application are applied to the ledger information provided in the ledger D / B. The information structure for one embodiment of a method of storing a share price linked loan including information, account information, and knock-out option information is shown, and a person of ordinary skill in the art to which the present invention pertains includes Although various information construction methods for storing the stock price linked loan information in the ledger D / B may be inferred by referring to or modifying FIG. 2, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implemented method.

Referring to Figure 2 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 a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is 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 linked to the customer ledger relationally, account 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, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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. 2, the share price linked loan information provided through the share price linked loan information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one information, loan application information, account information, knock-out (knock-out) option information.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving a predetermined loan according to the customer's request for a share price linked loan.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

According to another exemplary embodiment of the present invention, the stock price linked loan is stored in the form of information included in the account ledger (not shown), or additional information added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

3 is a diagram illustrating a structure of stock price loan information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for share price linked loan according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates an information structure of an exemplary embodiment in which the storage medium 145 shown in FIG. 1 is stored in a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As one of ordinary skill in the art to which the present invention pertains, various information configuration methods for referring to or modifying the figure 3 and storing the stock price linked loan information in association with the ledger D / B in a predetermined database are stored. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when the stock price linked loan information is not easily stored 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 / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the share price linked loan information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 3, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. 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.

Referring to FIG. 3, the database stores and stores customer information, loan application information, account information, and knock-out option information included in the share price linked loan information. The interlocking loan information may further include a CIF number corresponding to the ledger information in the share price linked loan information in order to be processed in association with the ledger D / B.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving a predetermined loan according to the stock price linked loan application of the customer.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

4 is a diagram illustrating a configuration of stock price loan information stored in a DBMS provided in a banking server in a face-to-face manner in accordance with another embodiment of the present invention.

More specifically, FIG. 4 shows a DBMS in which a storage medium 145 shown in FIG. 1 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 one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, share price interlocking stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present invention It will be possible to infer a method for constructing information on loan information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server stores and stores customer information, loan application information, account information, and knock-out option information included in the stock price linked loan information. It is characterized by.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer at the financial institution for receiving a predetermined loan according to the stock price linked loan application of the customer.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

5A and 5B illustrate a process of registering share price linked loan information in a face-to-face manner according to one embodiment of the present invention.

In more detail, Figures 5a and 5b is a window terminal (or employee terminal) provided with an information registration terminal 175 on the stock price linked loan information registration system shown in Figure 1 is provided at a financial institution branch (or branch or head office) In the case where the information registration server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network, a predetermined customer may acquire customer information and loan for a share price linked loan. When a stock price linked loan application including at least one of application information, account information, and knock-out option information is prepared and submitted, the stock price linked loan application is handled through a predetermined image acquisition device at a predetermined window terminal. A stock price corresponding to the stock price linked loan application to the stock price linked loan information registration system through a predetermined information registration interface; If the loan information and the image content obtained from the stock price linked loan application is provided, a predetermined stock linked loan electronic document including the image content is generated and stored in a predetermined electronic document storage and stored in the stock price linked loan information. An embodiment of the present invention relates to an implementation method of linking and processing the included customer information, loan application information, account information, and knock-out option information in a predetermined storage medium 145. After obtaining the predetermined image content corresponding to the stock price linked loan application through the image acquisition device and transmitting it to the information registration server 100, input (or select) the stock price linked loan information corresponding to the stock price linked loan application Shows an implementation method of transmitting to the information registration server 100.

Those skilled in the art to which the present invention pertains, various embodiments of the method for registering the stock price linked loan information from the window terminal to the information registration server 100 by referring to or modifying the drawings 5a and 5b. 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. 5A and 5B.

For example, in the method shown in FIGS. 5A and 5B, the window terminal acquires predetermined image contents corresponding to the stock price loan application through a predetermined image acquisition device, or corresponds to the stock price loan application. Although a user interface for inputting (or selecting) stock price linked loan information is illustrated and provided from the information registration server 100, the user interface is provided with the information when a predetermined information registration program is provided at the counter terminal. It does not have to be provided from the registration server 100, thereby the present invention is not limited.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information, loan application information, account information, and knock-out option information transmitted to the information registration server 100 are referred to as "share price loan information" for convenience.

Referring to FIGS. 5A and 5B, a predetermined customer prepares a stock linked loan application including at least one of customer information, loan application information, account information, and knock-out option information for a linked stock loan. When submitted, the teller terminal shown in FIG. 1 requests a user interface for a share price linked loan corresponding to the share price linked loan application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. In response, the server generates a user interface for acquiring the predetermined image content corresponding to the stock price linked loan application written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server (or Extraction) (505), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs it ( 510).

Thereafter, the terminal acquires image content corresponding to the share price linked loan application through a predetermined image acquisition device based on the user interface (515).

If the image content corresponding to the share price linked loan application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs the stock price linked loan information including at least one of customer information, loan application information, account information, and knock-out option information corresponding to the stock price linked loan application matching the image content ( Or (i) select and generate (or extract) a user interface for transmission to the server (530), and transmit and output the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) share price linked loan information including at least one of the customer information, loan application information, account information, and knock-out option information through the user interface (540). .

If the share price linked loan information including at least one of the customer information, loan application information, account information, and knock-out option information is input (or selected) through the user interface (545), The input (or selected) share price linked loan information is transmitted to the server through the financial network (550).

Thereafter, the server receives and reads the share price linked loan information including at least one of the customer information, the loan application information, the account information, and the knock-out option information through the financial network. Validate for (555).

According to the method of the present invention, the validity of the stock price linked loan information is at least one or more ledger information that matches the stock linked loan information in the ledger D / B on the financial system linked to the stock linked loan information registration system It is preferable to include checking whether it is registered.

For example, the server may include a customer stored in the ledger D / B on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the stock price linked loan information is linked to the stock price linked loan information registration system. It is preferable to include checking whether the match with the ledger.

The server may further include checking whether the account information is matched with the account ledger stored in the ledger D / B on the financial system linked with the stock price linked loan information registration system. It is preferable.

If the validity of the stock price linked loan information is not authenticated (560), the server generates predetermined information registration error information and transmits it to the terminal (565), and performs an information registration procedure corresponding to the stock price linked loan information. Do not perform.

On the other hand, if the validity of the share price linked loan information is authenticated (560), the server generates a predetermined share price linked loan electronic document including the image content (570).

According to the exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the information registration terminal 175 as a stock linked loan electronic document for the linked stock loan.

Alternatively, the server may include at least one of customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. It is preferable to generate a stock price linked loan electronic document for the stock price linked loan to an image file corresponding to the image content including at least one information in a watermarking manner.

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 an EDI (Electronic Data Interchange) file containing the image content received from the information registration terminal 175. ), A word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate a share price linked loan electronic document for the share price linked loan.

Alternatively, the server may include at least one of customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. Generating image content including one or more pieces of information in a watermarking manner, and generating a predetermined document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) including the generated image content. , Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT, etc.), thereby generating a share price linked loan electronic document for the share price linked loan.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 175 and the received stock price linked loan information. ), Or 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 loan electronic document.

Alternatively, the server may include customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. Generating an image content including at least one or more information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the share price linked information; or 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 an MHT), thereby generating a share price linked loan electronic document for the share price linked loan. It is desirable to.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a stock price linked electronic document in an image file format or a predetermined document file format, and an image corresponding to the stock price linked 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.

Thereafter, the server stores the generated share price linked loan electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository stores a predetermined electronic document server 150 and an electronic document D / B 170 linked with a server on the share price linked loan information registration system through predetermined communication means. In addition, when provided to the outside, the server preferably transmits the generated share price linked electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the stock price linked loan information registration system, the server stores the generated stock price linked loan electronic document on the DBMS provided in the stock price linked loan information registration system. It is possible to store in the electronic document D / B 170 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the stock price linked loan electronic document in the electronic document storage is performed by linking the generated stock price linked loan electronic document and predetermined electronic document management information. It is preferable to include storing in the document D / B (170).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the stock price linked loan electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the stock price linked loan electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a stock price linked loan application corresponding to the image content is prepared, or financial institution information for transmitting the stock price linked loan electronic document, or an electronic document file). Format information, or the stock price linked loan information).

If the stock price linked loan electronic document is stored in the electronic document repository (580), the server includes the customer information, loan application information, account information, knock-out option information included in the stock price linked loan information. To store the data in a predetermined storage medium 145 (585), predetermined information registration history information (e.g., the history of storing the stock price linked loan electronic document in the electronic document storage, or the storage medium 145). (The details of storing the stock price linked loan information) is generated (or extracted) and transmitted to the terminal (590).

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the stock linked loan information registration system (or linked with the stock linked information loan system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 145 is provided on (or associated with) the stock price linked loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering share price linked loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 6a and 6b are window terminals provided with an information registration terminal 175 on the stock price linked loan information registration system shown in Figure 1 at a financial institution branch (or a branch or a main branch), and the information registration server. In the case where the 100 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network, a predetermined customer may request customer information, loan application information, and account for a share price linked loan application. When a stock price linked loan application including at least one information and knock-out option information is prepared and submitted, a predetermined image corresponding to the stock price linked loan application through a predetermined image acquisition device at a predetermined window terminal Acquisition of the contents and the stock price linked loan corresponding to the stock price linked loan application to the stock price linked loan information registration system through a predetermined information registration interface And providing the image contents acquired from the stock price linked loan application, generating a predetermined stock price linked loan electronic document including the image content, storing the predetermined stock price linked loan electronic document in a predetermined electronic document repository, and including the stock price linked loan information. A method for implementing a process of linking customer information, loan application information, account information, and knock-out option information to a predetermined storage medium 145, and specifically, the stock price linked loan application form at the counter terminal. After inputting (or selecting) the stock price linked loan information corresponding to the information to the information registration server 100, and obtaining the predetermined image content corresponding to the stock price linked loan application through a predetermined image acquisition device and the information The implementation method of transmitting to the registration server 100 is shown.

Those skilled in the art to which the present invention pertains, various embodiments of the present invention 6A and 6B by referring to or modified to register the stock price linked loan information to the information registration server 100 in the window terminal 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. 6A and 6B.

For example, in the implementation method illustrated in FIGS. 6A and 6B, the counter terminal acquires predetermined image contents corresponding to the stock price loan application through a predetermined image acquisition device, or corresponds to the stock price loan application. Although a user interface for inputting (or selecting) stock price linked loan information is illustrated and provided from the information registration server 100, the user interface is provided with the information when a predetermined information registration program is provided at the counter terminal. It does not have to be provided from the registration server 100, thereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, loan application information, account information, and knock-out option information transmitted to the information registration server 100 are referred to as "share price loan information" for convenience.

Referring to Figures 6a and 6b, a predetermined customer prepares a share price linked loan application including at least one customer information, loan application information, account information, knock-out option information for the share price linked loan When submitted, the teller terminal shown in FIG. 1 requests a user interface for a share price linked loan corresponding to the share price linked loan application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. 600, correspondingly, the server linked to the stock price loan information including at least one or more customer information, loan application information, account information, knock-out option information corresponding to the stock price linked loan application written by the customer; Generates (or extracts) a user interface for inputting (or selecting) and transmitting it to the server (605), and generates (or extracts) The user interface is transmitted to the terminal and output (operation 610).

Thereafter, the terminal inputs (or selects) share price linked loan information including at least one of the customer information, loan application information, account information, and knock-out option information through the user interface (615). .

If the share price linked loan information including at least one of the customer information, loan application information, account information, and knock-out option information is input (or selected) through the user interface (620), the terminal The input (or selected) securities loan information is transmitted to the server through the financial network (625).

Thereafter, the server receives and reads the stock mortgage information including at least one of the customer information, the loan application information, the account information, and the knock-out option information through the financial network. The validity of the information is checked (630).

According to an embodiment of the present invention, the validity of the stock linked loan information is determined by at least one ledger information matching the stock linked loan information in the ledger D / B on the financial system linked to the stock linked loan information registration system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the share price linked loan information, the customer information (customer information, member information, etc.) of the ledger on the financial system linked to the share price linked loan information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity check unit 125 checks whether the account information among the information included in the stock price linked loan information matches the account ledger stored in the ledger D / B on the financial system associated with the stock price linked loan information registration system It is preferable that it consists of including.

If the validity of the share price linked loan information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and performs an information registration procedure corresponding to the share price linked loan information. Do not perform.

On the other hand, if the validity of the stock price linked loan information is authenticated (635), the server acquires the predetermined image content corresponding to the stock price linked loan application written by the customer through the predetermined image acquisition device in the terminal to the server; A user interface for transmission is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the share price linked loan application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the stock price loan application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the stock price linked loan information and the image contents from the terminal generates a predetermined stock price linked loan electronic document including the image contents (670).

According to the exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the information registration terminal 175 as a stock linked loan electronic document for the linked stock loan.

Alternatively, the server may include customer information and loan application information included in the stock price linked loan information received through the information receiver 115 on the image content received from the information registration terminal 175 through the image receiver 120. Generating a stock linked loan electronic document for the stock linked loan, an image file corresponding to the image content including at least one of account information and knock-out option information by watermarking; It is preferable.

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 an EDI (Electronic Data Interchange) file containing the image content received from the information registration terminal 175. ), A word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate a share price linked loan electronic document for the share price linked loan.

Alternatively, the server may include at least one of customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. Generating image content including one or more pieces of information in a watermarking manner, and generating a predetermined document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) including the generated image content. , Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT, etc.), thereby generating a share price linked loan electronic document for the share price linked loan.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 175 and the received stock price linked loan information. ), A word processor file including at least one of an EDI (Electronic Data Interchange) file, a HWP / DOC or the like, or a web document file including an MHT). It is desirable to create an electronic document.

Alternatively, the server may include at least one of customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. Generates image content including one or more pieces of information by watermarking, and includes a predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) including the generated image content and the share price linked information. (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a stock linked loan electronic document for the stock linked loan. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a stock price linked electronic document in an image file format or a predetermined document file format, and an image corresponding to the stock price linked 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.

Thereafter, the server stores the generated share price linked loan electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 associated with a server on the share price linked loan information registration system through predetermined communication means. When the server is provided outside, it is preferable that the server transmits the generated share price linked loan electronic document to the electronic document server 150 through the communication means and stores the electronic document server 150 in the electronic document D / B 170. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the stock price linked loan information registration system, the server stores the generated stock price linked loan electronic document on the DBMS provided in the stock price linked loan information registration system. It is possible to store in the electronic document D / B 170 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the stock price linked loan electronic document in the electronic document storage is performed by linking the generated stock price linked loan electronic document and predetermined electronic document management information. It is preferable to include storing in the document D / B (170).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the stock price linked loan electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the stock price linked loan electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a stock price linked loan application corresponding to the image content is prepared, or financial institution information for transmitting the stock price linked loan electronic document, or an electronic document file). Format information, or the stock price linked loan information).

If the stock price linked loan electronic document is stored in the electronic document repository (680), the server includes the customer information, loan application information, account information, knock-out option information included in the stock price linked loan information. And store the data in a predetermined storage medium 145 in a predetermined storage medium 145 (685), and store a predetermined information registration history information (e.g., a history of storing the stock price linked loan electronic document in the electronic document storage, or the storage medium 145). The details of storing the stock price linked loan information) are generated (or extracted) and transmitted to the terminal (690).

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the stock linked loan information registration system (or linked with the stock linked information loan system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 145 is provided on (or associated with) the stock price linked loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering share price linked loan information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 7a and 7b are window terminals in which an information registration terminal 175 on the stock price linked loan information registration system shown in Figure 1 is provided at a branch of a financial institution (or a branch or a main office), and the information registration server. When the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network, a predetermined customer may request customer information, loan application information, and account information for the share price linked loan. , When a stock price loan application including at least one knock-out option information is prepared and submitted, a predetermined image content corresponding to the stock price loan application through a predetermined image acquisition device at a predetermined window terminal; Acquires the stock price linked loan information through the predetermined information registration interface and the stock linked information loan corresponding to the stock price linked loan application; When the image content obtained from the pre-share price loan application is provided, a predetermined share price linked loan electronic document including the image content is generated and stored in a predetermined electronic document repository, and the customer included in the share price linked loan information. The present invention relates to an implementation method of linking information, loan application information, account information, and knock-out option information to a predetermined storage medium 145. Specifically, a predetermined image obtaining apparatus is used in the window terminal. A method of obtaining a predetermined image content corresponding to the stock price linked loan application, inputting (or selecting) stock price linked loan information corresponding to the stock price linked loan application, and transmitting the same to the information registration server 100 is illustrated. It is.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the stock price linked loan information from the window terminal to the information registration server 100 by referring to or modifying the drawings 7a and 7b. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, in the method shown in FIGS. 7A and 7B, the counter terminal acquires predetermined image content corresponding to the stock price loan application through a predetermined image obtaining apparatus, or corresponds to the stock price loan application. Although a user interface for inputting (or selecting) stock price linked loan information is illustrated and provided from the information registration server 100, the user interface is provided with the information when a predetermined information registration program is provided at the counter terminal. It does not have to be provided from the registration server 100, thereby the present invention is not limited.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information, loan application information, account information, and knock-out option information transmitted to the information registration server 100 are referred to as "share price loan information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer prepares a stock linked loan application including at least one of customer information, loan application information, account information, and knock-out option information for a linked stock loan. When submitted, the teller terminal shown in FIG. 1 requests a user interface for a share price linked loan corresponding to the share price linked loan application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. In response, the server inputs (or selects) the stock price linked loan information corresponding to the stock price linked loan application written by the customer in the terminal, and inputs the stock price linked loan application through a predetermined image obtaining device. Generate (or extract) a user interface for acquiring and transmitting corresponding predetermined image content to the server (705); To the generated outputs to transmit the user interface (or extract) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) share price linked loan information including at least one of the customer information, loan application information, account information, and knock-out option information through the user interface (715). .

If the share price linked loan information including at least one of the customer information, loan application information, account information, and knock-out option information is input (or selected) through the user interface (720), the terminal Based on the user interface, an image content corresponding to the share price linked loan application is obtained through a predetermined image acquisition device (725).

If image content corresponding to the stock price loan application is obtained through the image acquisition device (730), the terminal transmits the stock price linked loan information and the image content to the server through the financial network (735).

Thereafter, the server receives and reads the share price linked loan information including at least one of the customer information, the loan application information, the account information, and the knock-out option information through the financial network. Validate for (740).

According to the method of the present invention, the validity of the stock price linked loan information is at least one or more ledger information that matches the stock linked loan information in the ledger D / B on the financial system linked to the stock linked loan information registration system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the stock price linked loan information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the stock linked information registration system; It is desirable to include verifying that it matches the customer ledger stored in / B.

The server may further include checking whether the account information is matched with the account ledger stored in the ledger D / B on the financial system linked with the stock price linked loan information registration system. It is preferable.

If the validity of the stock price linked loan information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), and performs an information registration procedure corresponding to the stock price linked loan information. Do not perform.

On the other hand, if the validity of the share price linked loan information is authenticated (745), the server generates a predetermined share price linked loan electronic document including the image content (755).

According to one embodiment of the invention, the server is linked to the share price for the stock price loan as the image file including the image content received from the information registration terminal 175 through the image receiving unit 120 It is preferable to process the document.

Alternatively, the server may include at least one of customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. It is preferable to generate a stock price linked loan electronic document for the stock price linked loan to an image file corresponding to the image content including at least one information in a watermarking manner.

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 an EDI (Electronic Data Interchange) file containing the image content received from the information registration terminal 175. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT), to generate a share price loaned electronic document for the share price linked loan. .

Alternatively, the server may include at least one of customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. Generating image content including one or more pieces of information in a watermarking manner, and generating a predetermined document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) including the generated image content. , Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT, etc.), thereby generating a share price linked loan electronic document for the share price linked loan.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the information registration terminal 175 and the received stock price linked loan information. Format linkage, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT, etc.) It is desirable to create a loan electronic document.

Alternatively, the server may include customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information in the image content received from the information registration terminal 175. Generating an image content including at least one or more information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the share price linked information; or 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 an MHT), thereby generating a share price linked loan electronic document for the share price linked loan. It is desirable to.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a stock price linked electronic document in an image file format or a predetermined document file format, and an image corresponding to the stock price linked 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.

Thereafter, the server stores the generated share price linked loan electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository stores a predetermined electronic document server 150 and an electronic document D / B 170 linked with a server on the share price linked loan information registration system through predetermined communication means. In addition, when provided to the outside, the server preferably transmits the generated share price linked electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the stock price linked loan information registration system, the server stores the generated stock price linked loan electronic document on the DBMS provided in the stock price linked loan information registration system. It is possible to store in the electronic document D / B 170 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the stock price linked loan electronic document in the electronic document storage is performed by linking the generated stock price linked loan electronic document and predetermined electronic document management information. It is preferable to include storing in the document D / B (170).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the stock price linked loan electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the stock price linked loan electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a stock price linked loan application corresponding to the image content is prepared, or financial institution information for transmitting the stock price linked loan electronic document, or an electronic document file). Format information, or the stock price linked loan information).

If the stock price linked loan electronic document is stored in the electronic document repository (765), the server includes the customer information, loan application information, account information, knock-out option information included in the stock price linked loan information. And store the information in the predetermined storage medium 145 in a predetermined storage medium 145, for example, the details of storing the stock price linked loan electronic document in the electronic document storage, or the storage medium 145. The history of storing the stock price linked loan information) is generated (or extracted) and transmitted to the terminal (775).

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the stock linked loan information registration system (or linked with the stock linked information loan system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 145 is provided on (or associated with) the stock price linked loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

FIG. 8 is a diagram illustrating a system for registering a stock price linked loan information in a face-to-face manner for a stock price linked loan application according to another embodiment of the present invention.

In more detail, Figure 8 is a predetermined customer through a predetermined information registration interface to the share price linked loan information registration system for the share price linked loan customer information, loan application information, account information, knock-out option information When providing the price-linked loan information including at least one, the price-linked loan information registration system, the customer information, loan application information, account information, knock-out option included in the provided price-linked loan information A system configuration for linking and storing information in a predetermined storage medium 830. Those skilled in the art to which the present invention pertains may refer to or modify the present invention to refer to or modify the stock price. Various implementation methods for the configuration of the interlocking loan information registration system may be inferred, but the present invention includes all the implementation methods inferred from the above, It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the stock price linked loan information provided from the customer on the storage medium 830 via a predetermined information registration interface on the stock price linked loan information registration system shown in FIG. The corresponding component is referred to as " information registration server 800 " for convenience.

Referring to this figure 8 according to the embodiment of the present invention, the stock price linked loan information registration system for the stock price linked loans, the teller terminal (or employee terminal) is provided in at least one branch (or head office or branch) of the financial institution Characterized in that it comprises an information registration terminal 835, the information registration terminal 835 and the information registration server 800 provided on the stock price linked loan information registration system through a predetermined financial network; The communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (or the main office or a branch) for the share price linked loan, and (or through the window provided at the financial institution branch (or the main branch or the branch)) (or After completing the prescribed application form (for example, a document with a form for filling in at least one item of information for the share price loan) through the counter clerk, and submitting the completed application to the counter clerk, The teller employee inputs (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal inputs the input (or select) the information on the share price linked loan information registration system through the financial network. It is preferable to transmit to the information registration server 800 provided in.

In this case, it is preferable that the customer's seal of transaction (eg, corporate seal or seal of use) of the customer for the price-linked loan application prepared by the customer for a predetermined legal basis.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided at the branch (or head office or a branch) of the financial institution, and the information registration server 800 connected to the teller terminal is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 800 is a branch network connecting the communication channel between the teller terminal and the information registration server 800. It is preferable to comprise a.

In the stock price linked loan information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 800 are used by the customer. It performs the function of the information registration interface for registering the share price linked loan information for interlocking loans.

The storage medium 830 provided on the stock price linked loan information registration system according to the present invention includes the customer information, loan application information, and account information included in the stock price linked loan information provided from the information registration terminal 835. And storing the knock-out option information in association with each other, wherein the customer information, loan application information, account information, and knock-out option information stored in the storage medium 830 are stored. Stock price linked loan information including at least one is used for the price linked loans.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving a predetermined loan according to the customer's request for a share price linked loan.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

According to an embodiment of the present invention, the storage medium 830 is preferably provided in a DBMS on a financial system provided on the share price linked loan information registration system (or associated with the share price linked loan information registration system). In this case, the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 830 is provided on (or associated with) the stock price linked loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The information registration server 800 provided on the stock price linked loan information registration system according to the present invention is a generic term for the components of the stock price linked loan information registration system connected to the information registration terminal 835 through a predetermined financial network. It may be implemented by including at least one server (or 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 an embodiment of the present invention, when the information registration terminal 835 is a teller terminal connected to a predetermined financial network, the information registration server 800 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided in, 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 information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 835 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 835 is a window terminal connected to a predetermined financial network, the interface unit 805 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 8, the information registration server 800 connects a communication channel with the information registration server 800 through a predetermined information registration terminal 835 through the interface unit 805, and then the interface unit ( 805 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined stock price linked loan information from the information registration terminal 835 and providing the information registration terminal 835 to the information registration terminal 835. An information receiving unit for receiving predetermined share price linked loan information that is input (or selected) and transmitted from the information registration terminal 835 through the user interface in association with the interface providing unit 810 and the interface unit 805 ( 815, a validity checking unit 820 for checking the validity of the received stock price linked loan information, and the customer information, loan application information, and account information included in the validated stock price linked loan information. And an information storage unit 825 for linking and processing the knock-out option information to a predetermined storage medium 830.

The interface providing unit 810 is provided in the information registration terminal 835 after a predetermined information registration terminal 835 connects the communication channel with the information registration server 800 through the interface unit 805. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the stock price linked loan information and transmitting it to the information registration server 800 through the financial network, or from a predetermined database (not shown) And extract the generated (or extracted) user interface to the information registration terminal 835 through the financial network in association with the interface unit 805.

According to another exemplary embodiment of the present invention, the information registration terminal 835 includes at least one user interface for inputting (or selecting) the share price linked loan information to the information registration server 800 through the financial network. When a predetermined information registration program is provided, the interface providing unit 810 for providing the user interface to the information registration terminal 835 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 835 inputs the stock price linked loan information including at least one of the customer information, the loan application information, the account information, and the knock-out option information based on the user interface (or And the input (or selected) share price linked loan information to the information registration server 800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 835 is a window terminal connected to a predetermined financial network, the interface providing unit 810 may provide a financial transaction-related program provided in the window terminal. It is preferable to generate (or extract) a user interface of the user interface and provide the generated (or extracted) user interface to the window terminal through the interface unit 805.

The information receiving unit 815 provides the stock price linked loan information including at least one of customer information, loan application information, account information, and knock-out option information through the user interface at the information registration terminal 835. When the input (or selection) is transmitted through the financial network, the stock price linked loan information is received in association with the interface unit 805, and the validity check unit 820 receives the received stock price linked loan information. )

The validity confirming unit 820 is characterized by checking whether the stock price linked loan information received from the information registration terminal 835 satisfies the validity for the stock price linked loan.

According to the method of the present invention, the validity of the stock price linked loan information is at least one or more ledger information that matches the stock linked loan information in the ledger D / B on the financial system linked to the stock linked loan information registration system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 820 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the stock price linked information registration system among information included in the price linked information loan. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirming unit 820 checks whether the account information among the information included in the stock price linked loan information matches the account ledger stored in the ledger D / B on the financial system linked to the stock linked information registration system It is preferable that it consists of including.

When the validity of the share price linked loan information is confirmed, the information storage unit 825 processes the customer information, loan application information, account information, and knock-out option information included in the share price linked loan information. When the storage medium 830 is provided in the information registration server 800, or provided on the network associated with the information registration server 800, the storage medium 830, The information storage unit 825 processes the customer information, loan application information, account information, and knock-out option information included in the received stock price linked loan information to store in the storage medium 830. Preferably, when the storage medium 830 is provided in the DBMS provided on the financial system, the information storage unit 825 is the customer information, loan application information, account information included in the received stock price linked loan information , Knock-out option information Through the FEP system on the financial system provided to step information it is preferably stored in a DBMS provided on the financial system.

9 is a diagram showing the structure of the stock price linked loan information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the share price linked loan according to another embodiment of the present invention.

In more detail, in FIG. 9, when the storage medium 830 illustrated in FIG. 8 is a ledger D / B provided in a DBMS on a financial system, the customer information and loan application are applied to the ledger information provided in the ledger D / B. The information structure for one embodiment of the method of storing the price-linked loan information including information, account information, knock-out option information, and the like, and those of ordinary skill in the art By referring to or modifying the drawing 9, it is possible to infer various information configuration methods for storing the stock price linked loan information in the ledger D / B, but the present invention includes all the inferred implementation method, this drawing 9 It is not limited only to the implementation method shown in FIG.

Referring to FIG. 9 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 includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers, in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is 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 linked to the customer ledger relationally, account 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, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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. 9, the share price linked loan information provided through the share price linked loan information registration system shown in FIG. 8 is stored in the form of additional information added to the account ledger, and the share price linked loan information is Characterized in that it comprises at least one information, loan application information, account information, knock-out (knock-out) option information.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer at the financial institution for receiving a predetermined loan according to the stock price linked loan application of the customer.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

According to another exemplary embodiment of the present invention, the share price linked loan 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 may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

FIG. 10 is a diagram illustrating a structure of share price loan information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for share price loan according to another embodiment of the present invention.

More specifically, FIG. 10 illustrates an information structure of an exemplary embodiment in which the storage medium 830 illustrated in FIG. 8 is stored in 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 configuration methods of referring to or modifying the drawing 10 and storing the stock price linked loan information in association with the ledger D / B in a predetermined database are stored. Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when the stock price linked loan information is not easily stored 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 / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the share price linked loan information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 10 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.

Referring to FIG. 10, the database stores and stores the customer information, loan application information, account information, and knock-out option information included in the share price linked loan information. Loan information is preferably made to further include a CIF number corresponding to the ledger information in the stock price linked loan information to be processed in conjunction with the ledger D / B.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer at the financial institution for receiving a predetermined loan according to the stock price linked loan application of the customer.

The knock-out option information includes a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. It is preferable.

FIG. 11 is a diagram illustrating a structure of stock price loan information stored in a DBMS provided in a banking server in a face-to-face manner for a price share linked loan according to another embodiment of the present invention.

More specifically, FIG. 11 shows a DBMS in which the storage medium 830 shown in FIG. 8 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 one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, the stock price interlocking stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 11 It is possible to infer a method for constructing information on loan information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, a predetermined DBMS provided in the banking server stores and stores customer information, loan application information, account information, and knock-out option information included in the stock price linked loan information. It is characterized by.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, the business name, business operator Registration number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc., and the member's member information (e.g., the customer responds by signing up as a financial transaction customer of the financial institution) It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer at the financial institution for receiving a predetermined loan according to the stock price linked loan application of the customer.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

12 is a diagram illustrating a process of registering share price linked loan information in a face-to-face manner according to another embodiment of the present invention.

More specifically, FIG. 12 shows that the information registration server 800 on the stock price linked loan information registration system shown in FIG. 8 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In one case, the window terminal is connected to the information registration server 800 to connect the communication channel for registering the stock price linked loan information according to the present invention, and then to the information registration server 800 through the communication channel When the stock price linked loan information including the customer information, loan application information, account information, and knock-out option information is transmitted, the information registration server 800 is included in the received stock price linked loan information. The present invention relates to an implementation method of linking customer information, loan application information, account information, and knock-out option information to a predetermined storage medium 830, and in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the stock price linked loan information from the window terminal to the information registration server 800 by referring to or modifying the drawing 12. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In the following figure 12, the window terminal shown in FIG. 8 is referred to as "terminal" for convenience, and the information registration server 800 shown in FIG. 8 is referred to as "server" for convenience, and the information registration in the window terminal. The customer information, loan application information, account information, and knock-out option information transmitted to the server 800 are referred to as "share price loan information" for convenience.

Referring to FIG. 12, a window terminal shown in FIG. 8 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the stock price linked loan information, and the stock price linked loan. When requesting registration of the stock price linked loan information (1200), the server generates (or extracts) a predetermined information registration interface for registering the stock price linked loan information (1205), and generates (or extracts) the data through the communication channel. In step 1210, the information registration interface is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface may input (or share price loan information including at least one or more of the customer information, loan application information, account information, knock-out option information in the terminal (or It is preferable to include a user interface).

Thereafter, the terminal inputs (or selects) share price linked loan information including at least one or more customer information, loan application information, account information, and knock-out option information through the information registration interface (1215).

If the terminal inputs (or selects) share price linked loan information including the customer information, loan application information, account information, and knock-out option information through the information registration interface (1220), the terminal In operation 1225, the loan price information linked to the server includes the customer information, loan application information, account information, and knock-out option information inputted through the financial network.

Thereafter, the server receives and reads the customer information, the loan application information, the account information, and the knock-out option information through the financial network to confirm the validity of the share price linked loan information (1230).

According to the method of the present invention, the validity of the stock price linked loan information is at least one or more ledger information that matches the stock linked loan information in the ledger D / B on the financial system linked to the stock linked loan information registration system It is preferable to include checking whether it is registered.

For example, the server may include a customer stored in the ledger D / B on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the stock price linked loan information is linked to the stock price linked loan information registration system. It is preferable to include checking whether the match with the ledger.

The server may further include checking whether the account information is matched with the account ledger stored in the ledger D / B on the financial system linked with the stock price linked loan information registration system. It is preferable.

If the validity of the stock price linked loan information is not authenticated (1235), the server generates predetermined information registration error information and transmits it to the terminal (1240), and performs an information registration procedure corresponding to the stock price linked loan information. Do not perform.

On the other hand, if the validity of the share price linked loan information is authenticated (1235), the server performs the information registration procedure corresponding to the share price linked loan information, the customer information, loan application information, account information, knock-out (knock- out) The option information is cooperatively stored and stored in the predetermined storage medium 830 (1245).

According to an embodiment of the present invention, the storage medium 830 is preferably provided in a DBMS on a financial system provided on the share price linked loan information registration system (or associated with the share price linked loan information registration system). In this case, the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 830 is provided on (or associated with) the stock quoted loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1250), thereby completing the procedure of registering the share price linked loan information transmitted from the terminal.

FIG. 13 is a diagram illustrating a stock price linked loan management system for a stock price linked loan operation according to an exemplary embodiment of the present invention.

More specifically, Figure 13 is provided from a predetermined customer (e.g., a customer with long-term holdings of treasury shares or other stocks with a good level of liquidity) through the stock price linked loan information registration system shown in Figure 1 or Figure 8 above. When a predetermined application for stock price linked loan is submitted and the stock price linked loan information corresponding to the application is stored in a predetermined storage medium 1330, the storage medium through the stock price linked loan management system shown in FIG. Using the customer information, loan application information, account information, and knock-out option information included in the stock price linked loan information stored in 1330, the rate of return corresponding to the increase rate of the stock index linked with the loan of the customer A system configuration for confirming (or confirming a knock-out rate of increase) and providing the loan customer a predetermined amount corresponding to the rate of return. As one of ordinary skill in the art to which the present invention pertains, a stock price linked loan management system for providing a predetermined loan customer with a predetermined rate of return generated in conjunction with the stock index by referring to or modifying this figure 13 Various implementation methods 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, a stock price linked loan including at least one of customer information, loan application information, account information, and knock-out option information stored in the storage medium 1330 on the stock price linked loan management system shown in FIG. By using the information, a component corresponding to at least one or more means or functional configuration for providing the loan customer with a predetermined profit generated by the increase in the predetermined stock index associated with the loan applied by the customer, Interlocked loan management server 1300 ", in this Figure 13, the linked price loan operation server 1300 preferably comprises an account system on the financial system connected through a predetermined network (or financial network), thereby The present invention is not limited.

Referring to FIG. 13 according to the embodiment of the present invention, the stock price linked loan management system for the linked stock loan, the customer information, loan application information, account information, application for applying for a predetermined loan with a predetermined stock collateral The customer may include a storage medium 1330 storing stock price linked loan information stored in association with knock-out option information, and the storage medium 1330 or in association with the storage medium 1330. A stock price linked loan operation server 1300 and a loan application customer account (or loan account) for providing the loan customer with a predetermined profit generated by the increase in the predetermined stock index linked with the loan applied for. It comprises a system.

At least one financial transaction service using the stock price loan information stored in the storage medium 1330 through the stock mortgage information registration system shown in FIG. 1 or 8 in connection with the stock price linked loan management server 1300 (E.g., a loan service, etc.), the financial system may include at least one or more window terminals provided at branches (or branches or head offices) of the financial institution and on the stock mortgage information registration system shown in FIG. It is characterized in that the information registration server is connected through a predetermined network (or financial network).

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network, or connected to the Internet or a DataTAC / Mobitex-based wireless data communication network, or Non-face-to-face financial transaction services are provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 13, the financial system opens at least one financial account (eg, loan account, etc.) to at least one or more financial transaction customers (eg, stock price linked loan application customer, etc.) and based on the financial account at least. A computer system provided in a financial institution to provide one or more financial transaction services (e.g., loan services, etc.), which handles a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window). An accounting system, an information system for processing headquarters operations, branch office information support and customer information management, and an interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network. At least one non-face-to-face financial transaction means (eg, internet banking, wireless banking, IC Chip-based wireless banking, tele-banking, TV banking, etc.) access to the financial system, or having an external system that provides a variety of financial transaction interface through at least one or more common networks (eg, CD common network, financial common network) In addition, the financial system is characterized in that the interface module corresponding to the middleware (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and the predetermined required for performing each function in the components in the financial system Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing the information (for example, ledger information, customer information, or management information, etc.).

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. And the ledger information is stored in FIG. 1 or 8. It is characterized in that it comprises a predetermined account ledger corresponding to the account of the customer applying for a stock price linked loan through the illustrated stock price linked loan information registration system.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the predetermined storage medium 1330 provided on the stock price linked loan management system or linked with the stock price linked loan management system includes the customer information, loan application information, account information, and knockout ( (knock-out) characterized in that it stores the price interlocking loan information including at least one option information, and the yield calculation history information corresponding to the predetermined share index increase rate.

Here, the customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the stock price linked loan application, business name, business name, Business registration number, corporation registration number, representative name, address, telephone number, homepage address, e-mail address, etc., and the member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer at the financial institution for receiving a predetermined loan according to the stock price linked loan application of the customer.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

Preferably, the yield calculation history information includes a predetermined profit calculation history generated according to an increase rate of a predetermined stock index corresponding to the loan of the customer with reference to the stock price linked loan information.

The price-linked loan management server 1300 provided on the price-linked loan management system according to the present invention includes at least one server (or device) or a recording medium provided in a predetermined server (or device). It may be implemented by at least one or more programs recorded in the present invention, whereby the present invention is not limited.

According to an embodiment of the present invention, the stock price linked loan management server 1300 is a ledger server provided on a financial system connected to the teller terminal through a predetermined financial network, or a server provided in an external system on the financial system. (Or a device), or a program provided in the external world on the financial system, whereby the present invention is not limited.

Referring to FIG. 13, the stock price linked loan management server 1300 is connected to a predetermined stock index providing means, and checks a predetermined stock index corresponding to the customer's loan at a predetermined period 1305. ), An increase rate calculator 1310 for calculating an increase rate of the stock index corresponding to the fluctuation of the stock index according to the identified predetermined period, and a rate of return corresponding to the calculated increase in the stock index, thereby checking the loan rate according to the yield. The information management unit 1315 determines a predetermined amount to be paid to a customer, and the storage unit 1330 by processing the identified return rate and the amount to be paid to the loan customer corresponding to the return rate with the loan customer information. And an information storage unit 1320 to be stored.

In addition, the share price linked loan management server 1300 transmits the yield and the amount to be paid to the loan application customer communication means (eg, e-mail, mobile phone (SMS, etc.), telephone, fax, homepage, blog, bulletin board, etc.) It may be configured to further include an information transmission unit 1325.

The information confirming unit 1305, in connection with a predetermined stock index providing means, secures loan application customer information and loans stored in the storage medium 1330 through the stock price linked loan information registration system shown in FIG. A predetermined stock index corresponding to the stock price linked loan information including at least one or more of the application information, the account information, and the knock-out option information is checked according to a predetermined period. Stock index information according to a period is provided to the increase rate calculator 1310.

When the stock index index corresponding to the stock price linked loan information is confirmed through the information verifying unit 1305, the rise rate calculator 1310 checks a change in the stock index during the predetermined period, thereby increasing the stock index. And calculating the stock index increase rate information to the information operation unit 1315.

The information operation unit 1315 may determine a predetermined amount to be paid to the loan customer based on the rate of return by checking the rate of return corresponding to the calculated stock index increase rate.

According to the method of the present invention, the yield according to the stock index increase rate is characterized in that it is calculated as the product of the index increase rate and the participation rate (wherein the participation rate is paid premium / option premium).

According to the exemplary embodiment of the present invention, the information operation unit 1315 may determine whether the rate of increase of the stock index falls within a predetermined knock-out range.

The information storage unit 1320 may determine the rise rate information and the yield rate information according to the stock index change in response to the customer loan through the information operating unit 1315. It is characterized by storing in a predetermined storage medium 1330 by processing in conjunction with the information or loan information.

14 is a view showing the configuration of loan processing information stored in the ledger D / B provided in the DBMS on the financial system for the share price linked loan according to an embodiment of the present invention.

More specifically, FIG. 14 shows the customer information and loan application in the ledger information provided in the ledger D / B when the storage medium 1330 shown in FIG. 13 is the ledger D / B provided in the DBMS on the financial system. An information structure for an implementation method of storing loan processing information including information, account information, knock-out option information, mortgage amount information, mortgage period information, and interest rate information is shown. Those skilled in the art will be able to infer various information construction methods for storing the loan processing information in the ledger D / B by referring to or modifying the drawing 14, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 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 a predetermined customer ledger, and a loan ledger associated with the customer ledger (eg, credit ledger) , Account ledger, etc.) and at least one or more pieces of information associated with the loan ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the loan ledger shown in FIG. 14, B further includes at least one ledger (e.g., account ledger, secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is 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 detailed description thereof will be omitted.

In addition, the loan ledger is linked to the customer ledger relational, loan number, CIF number, collateral, loan, counseling number, approval number, approval application number, execution date, principal repayment method, interest repayment method, interest repayment cycle , After-sales management code, repayment amount (principal), repayment amount (interest), business fund number, etc., and comprises a loan number, approval number, approval history, approval application number, approver for the loan ledger It includes at least one approval history and a loan transaction corresponding to the account ledger, at least one or more loan number, transfer date, transfer amount, transfer registration number.

Here, the approval details are connected in relation to the approval application details including loan number, approval number, approval application number, consultation number, application details, and the approval application details are loan number, approval number, approval application number, consultation It consists of counseling history including number and application amount and relation type.

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

Referring to FIG. 14, the loan processing information provided through the share price linked loan management system shown in FIG. 13 may be stored in the form of additional information added to the loan ledger. Characterized in that the application information, account information, knock-out (knock-out) option information, mortgage period information, at least one or more information is included.

The customer information is the unique information of the customer (for example, personal name, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who prepared the share price linked loan application, business name, business registration Number, corporation registration number, representative's name, address, telephone number, homepage address, e-mail address, etc. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the stock price linked loan information registration system.

Preferably, the loan application information includes at least one loan name, a loan product code, a loan period, a loan application amount, etc., for the customer to receive a predetermined loan service.

Preferably, the account information includes an account number corresponding to an account opened in the name of the customer in the financial institution for receiving a predetermined loan according to the customer's request for a share price linked loan.

The knock-out option information may include a stock index (eg, KOSPI, etc.) linked with the loan, a return corresponding to the increase rate of the corresponding stock index, and a knock-out increase rate. desirable.

Preferably, the yield calculation history information includes a predetermined profit calculation history generated according to an increase rate of a predetermined stock index corresponding to the loan of the customer with reference to the stock price linked loan information.

According to another exemplary embodiment of the present invention, the loan processing information is stored in the form of information included in the loan ledger (not shown), or additional information added to another ledger (eg, a customer ledger) other than the loan ledger. It is possible to be stored in the form, or in the form of information contained in the other ledgers (for example, customer ledger) other than the loan ledger, whereby the present invention is not limited.

15 is a diagram illustrating a share price linked loan operating process in a face-to-face manner according to an embodiment of the present invention.

More specifically, Figure 15 is provided from a predetermined customer (e.g., a customer with long-term holdings of treasury shares or other stocks with a good level of liquidity) through the share price linked loan information registration system shown in Figure 1 or Figure 8 above. When a predetermined application for stock price linked loan is submitted and the stock price linked loan information corresponding to the application is stored in a predetermined storage medium 1330, the storage medium through the stock price linked loan management system shown in FIG. Using the customer information, loan application information, account information, and knock-out option information included in the stock price linked loan information stored in 1330, the rate of return corresponding to the increase rate of the stock index linked with the loan of the customer Confirming (or confirming a knock-out rate of increase), and providing the loan customer with a predetermined amount corresponding to the rate of return. As those skilled in the art to which the present invention pertains, a reference to a modification of a stock price linked loan operation process for providing a predetermined loan customer with a predetermined rate of return generated in conjunction with the stock index by referring to or modifying this figure 15. Various implementation methods 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.

Hereinafter, the stock price linked loan management server 1300 shown in FIG. 13 is referred to as "server" in FIG.

Referring to FIG. 15, in connection with a predetermined stock index providing means at a server, the customer information for the security loan application stored in the storage medium 1330 through the stock price linked loan information registration system shown in FIG. 1 or 8; The predetermined stock index corresponding to the stock price linked loan information including at least one or more loan application information, account information, and knock-out option information is checked according to a predetermined cycle (1500).

When the stock index corresponding to the stock price linked loan information is confirmed, the server checks the change in the stock index for a predetermined period, calculates the increase rate of the stock index (1505), and confirms the calculated stock index increase rate. In operation 1510, a predetermined rate of return corresponding to the increase rate is confirmed (1515).

According to the method of the present invention, the yield according to the stock index increase rate is characterized in that it is calculated as the product of the index increase rate and the participation rate (wherein the participation rate is paid premium / option premium).

In addition, the server checks whether the checked rate of increase is included in a predetermined knock-out rate of increase range, and if the rate of increase is not included in the range of knock-out rate of increase (1520). The amount to be paid to the loan customer is determined (or confirmed) in response to the confirmed return rate (1525).

Thereafter, when the increase rate information and the rate of return information according to the stock index change is confirmed (or calculated) in response to the customer loan, the server processes the increase rate information and the rate of return information in association with the customer information or the loan information and stores a predetermined storage medium. Stored in (1330) (1530).

Then, the loan operation history information including the rate of increase information and the rate of return information is transmitted to the loan application customer communication means to notify the stock price linked loan operation history according to the present invention. (1535)

Here, the loan application customer communication means, characterized in that it comprises at least one or more, e-mail, mobile phone (SMS, etc.), telephone, fax, homepage, blog, bulletin board, messenger.

According to the present invention, it is possible to supplement the point that only the deposit customers can be applied to the demand for knock-out option of the PGA term deposit, and also provide the loan customers with the opportunity to realize the option profit by changing the stock index. The advantage is that it can be provided.

Claims (4)

Storing share price linked loan information including at least one of customer information, loan application information, account information, and knockout option information received from a predetermined terminal in a predetermined information registration means on a predetermined storage medium; Identifying a predetermined stock index corresponding to the stock price linked loan information stored in the storage medium according to a predetermined period in association with the predetermined stock index providing means in a predetermined information checking means; Checking a change in the stock price index corresponding to the identified stock price linked loan information by a predetermined rate of increase calculation means, and calculating a rise rate of the stock price index; Determining a predetermined amount to be paid to the loan customer according to the rate of return by identifying a rate of return corresponding to the calculated rate of increase of the stock index in a predetermined information operating means; . The method of claim 1, And confirming whether the rate of increase of the stock index falls within a predetermined knock-out range in the information operating means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1 or 2. Information registration means for storing the stock price linked loan information including at least one or more customer information, loan application information, account information, and knockout option information received from a predetermined terminal on a predetermined storage medium; Information confirmation means for confirming, according to a predetermined period, a predetermined stock index corresponding to the stock price linked loan information stored in the storage medium in association with a predetermined stock index providing means;  Rising rate calculating means for checking a fluctuation in the stock price index corresponding to the checked stock price linked loan information and calculating a rising rate of the stock price index; And information management means for checking a yield corresponding to the calculated stock index increase rate and determining a predetermined amount to be paid to the loan customer according to the yield rate.

Images