KR20090001916A

KR20090001916A - System and method for instructing settlement of retirement annuity and program recording medium

Info

Publication number: KR20090001916A
Application number: KR1020070052342A
Authority: KR
Inventors: 이인찬
Original assignee: 주식회사 신한은행
Priority date: 2007-05-29
Filing date: 2007-05-29
Publication date: 2009-01-09

Abstract

A system and a method for instructing settlement of retirement annuity are provided to minimize a processing time for instructing settlement of retirement annuity efficiently. A system and a method for instructing settlement of retirement annuity comprise the following steps. Operating goods settlement indication information including settlement goods information and customer information is received from a predetermined customer terminal(400). Operating goods settlement processing information is generated for processing operating goods settlement(410). The generated operating goods settlement processing information is transmitted to a predetermined management store server(415).

Description

System and Method for Instructing Settlement of Retirement Annuity and Program Recording Medium}

Figure 1 shows a preferred configuration of the retirement pension settlement processing system for the transaction processing for the retirement pension management products through the electronic financial network, including the Internet, according to the embodiment of the present invention.

Figure 2 illustrates a preferred configuration of a financial institution server for transaction processing for retirement pension management products through an electronic financial network including the Internet, etc. according to an embodiment of the present invention.

Figure 3 shows a preferred configuration of a management point server for the transaction (or settlement) for the retirement pension management product through the electronic financial network, including the Internet, according to the embodiment of the present invention.

4 is a flowchart illustrating a process of newly operating a management product by instructing a management product through a retirement pension settlement system for transaction processing on a retirement pension management product through an electronic financial network including the Internet according to an embodiment of the present invention. It is shown.

5 is a flowchart illustrating a process of canceling a management product by instructing a management product through a retirement pension settlement system for transaction processing on a retirement pension management product through an electronic financial network including the Internet according to an embodiment of the present invention. It is shown.

FIG. 6 is a flow chart illustrating a process of instructing a managed product through a retirement pension settlement system for processing a transaction for a retirement pension managed product through an electronic financial network including the Internet according to an embodiment of the present invention. It is shown.

FIG. 7 illustrates a preferred configuration of a user interface provided between a financial institution server and a customer terminal in a retirement pension settlement system for processing transactions for a retirement pension management product through an electronic financial network including the Internet according to an embodiment of the present invention. It is shown.

100: financial institution server 105: management point server

110: financial system 115: customer terminal

The present invention comprises the steps of receiving the management product settlement instruction information including customer information, the settlement target product information from a predetermined customer terminal in a predetermined information receiving means, and in response to the management product settlement instruction information in a predetermined operation management means Generating, by the customer, operating product settlement processing information for closing the operation instruction retirement pension management product, and using the generated management product settlement processing information by a predetermined information transmitting means at a predetermined management point (managing the customer; Branch (or sales office)) server and the step of settlement of retirement pension management products corresponding to the generated management product new processing information in a predetermined account settlement processing means; It is about.

The retirement pension system has recently been introduced for the purpose of preparing for retirement before retirement at the national level and ultimately at the individual level of the worker, due to the rapid transition to the aging society. In addition to the pension, a three-story guarantee system was established.

These retirement pensions include DB (Defined Bendfit) retirement pensions and DC (Defined Contribution) retirement pensions. The retirement pension is defined in advance, and the employer pays the retirement benefits agreed upon by the employee by retiring and operating the necessary funds in advance. According to the retirement pension rules, according to the employer, the employer periodically accumulates the levy, and the employee manages the reserve for each worker and receives the principal and operating income as retirement benefits upon retirement.

For the settlement of the retirement pension, there were many cumbersome and inconvenient procedures, and it was not easy to settle the settlement from time to time.

An object of the present invention for solving the above problems is an information receiving means for receiving management product settlement instruction information including customer information, settlement target product information from a predetermined customer terminal, and in response to the management product settlement instruction information; Operation management means for generating the management product settlement processing information for the customer to settle the pension management product in the previous management order; and the management point (the branch managing the customer (or the sales office) for generating the management product settlement processing information). It is to provide a retirement pension trust settlement instruction system including information transmitting means for transmitting to the server, and account settlement processing means for closing the retirement pension management product corresponding to the generated management product new processing information.

The retirement pension trust settlement instruction method according to the present invention comprises the steps of: receiving operational product settlement instruction information including customer information and settlement target product information from a predetermined customer terminal in a predetermined information receiving means; In response to the management product settlement instruction information, generating, by the customer, operating product settlement processing information for settlement of the existing operation instruction retirement pension management product, and using the generated product settlement processing information generated by a predetermined information transmission means. Transmitting to a predetermined management point server (or a branch that manages the customer) a server; and closing the retirement pension management product corresponding to the generated management product new processing information in a predetermined account settlement processing means; Characterized in that it comprises a.

According to the present invention, the retirement pension trust settlement instruction method comprises the step of storing the retirement pension management product settlement processing in association with the customer information in a predetermined information storage means in a predetermined storage medium. It is done.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for realizing the above-mentioned retirement pension trust settlement instruction method.

On the other hand, the retirement pension trust settlement instruction system according to the present invention, the information receiving means for receiving the operation product settlement instruction information including customer information, settlement target product information from a predetermined customer terminal, and corresponding to the operation product settlement instruction information Operation management means for generating management product settlement processing information for the customer to settle the existing pension management products, and a management point (point for managing the customer); Or a branch)) an information transmitting means for transmitting to the server, and an account settlement processing means for performing a settlement processing on the retirement pension management product corresponding to the generated management product new processing information.

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.

In more detail, Figure 1 shows that a predetermined customer enters into a predetermined retirement pension contract for transaction processing for a retirement pension management product through an electronic financial network including the Internet, and the like, and retires a predetermined retirement in response to the retirement pension contract. When a pension trust account is opened, a deposit (or allowance) paid by the customer is deposited into the opened retirement pension trust account and newly processed to a predetermined retirement pension management product selected by the customer through a predetermined user interface. Process all (or a portion) of the funds deposited in the retirement pension trust account, or process the retirement pension management product that the customer has already selected and operated through the user interface. Terminates and processes all (or part) of the amount of money in the retirement pension fund to the C / C fund transfer to the retirement pension trust account; When the settlement request for the retirement pension trust is requested, the preferred structure of the retirement pension management product transaction processing system for providing the customer by closing the investment in the retirement pension management product investment in response to the retirement pension trust settlement request is shown. As one of ordinary skill in the art to which the present invention pertains, the present invention refers to a modification of the retirement pension settlement system for transaction processing of a retirement pension management product through an electronic financial network including the Internet by referring to and modifying the present invention. 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.

For example, those skilled in the art to which the present invention pertains may include the servers shown in FIG. 1 in the form of modules in one server, or the functional configuration of each server in at least one or more servers. Or, various implementation methods such as having the servers in the financial system 110 may be inferred, but the present invention includes all the implementation methods inferred, limited to the implementation method shown in FIG. Not.

The retirement pension settlement processing system for processing transactions for retirement pension management products through the electronic financial network including the Internet, etc., includes a customer terminal 115 including at least one wired terminal and / or a wireless terminal used by the customer. The customer terminal 115 is connected to the communication channel and the financial institution server 100 provided on the retirement pension settlement system through a predetermined communication network.

According to one embodiment of the invention, the customer is connected to the financial institution server 100 through at least one or more of the customer terminal 115 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Management product management instruction information and transaction management product information for transaction processing for retirement pension management products through the electronic financial network including the Internet through at least one user interface provided by the financial institution server 100. When inputting (or selecting) information and management product settlement instruction information, it is preferable that the customer terminal 115 transmits the information to the financial institution server 100 provided on the retirement pension settlement processing system through a predetermined communication network.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

In addition, the financial institution server 100 connected to the customer terminal 115 may be an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking according to the characteristics of the customer terminal 115 and a communication network. Any one of the servers, and / or preferably comprises a separate web server for the financial institution.

In addition, the communication network connecting the customer terminal 115 and the financial institution server 100 may be a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet and / or according to a wireless communication network type to which the customer terminal is connected. It is preferable that any one of DataTAC / Mobitex-based wireless data communication networks and / or include all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the customer terminal 115 outputs at least one or more user interfaces provided by the financial institution server 100, and inputs and / or selects at least one or more information through the user interface to the financial institution server 100. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function, etc., which communicates with the financial institution server 100) is provided.

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

The retirement pension settlement processing system for the transaction processing for the retirement pension management product through the electronic financial network including the Internet, etc., the customer information, operation target for the management product operation instruction for the retirement pension from the customer terminal 115 When receiving management product management instruction information including at least one of product information and management target amount information, or in the case of termination of the management product for the retirement pension, in which the operation product including at least one of customer information and product information for cancellation is canceled; Provide a user interface for receiving information, or provide a user interface for receiving management product settlement instruction information including at least one of customer information and settlement request information for settlement instructions for the retirement pension trust, or the user Management product management instructions entered through the interface In response to the report, the management product is newly or canceled by operating in connection with a predetermined management point server 105 provided at a predetermined management point for the customer, or a predetermined retirement pension for the customer in the newly opened management product account. And a financial institution server 100 for transferring funds from a trust account or transferring funds from the closed operating product account to the retirement pension trust account, wherein the financial institution server 100 is provided. The communication channel is connected to the management point server 105 or the customer terminal 115 provided on the retirement pension settlement system through a predetermined communication network.

The retirement pension settlement processing system for the transaction processing for the retirement pension management products through the electronic financial network including the Internet, etc., the target product information from the financial institution server 100 in connection with the financial institution server 100, Receiving the management product new processing information including at least one management target value information, management point information, and open a management product account in response to the received management product new processing information, or linked with the financial institution server 100 Receive the management product termination processing information including at least one or more of the target product information, management point information, and retirement pension trust account information from the financial institution server 100, and in response to the received management product termination processing information Terminate the opened managed goods account and deposit the deposits and proceeds incurred as a result of the termination into the retirement pension trust account. Characterized in that formed by having the control point server 105 for funds jeongeum processing, and the control point server that the financial institution server and the communication channel is provided on the super settlement processing systems it is connected through a predetermined communication network.

In more detail, FIG. 2 is provided with management product operation instruction information including at least one of customer information, operation target product information, and operation target amount information for the management product operation instruction for the retirement pension from the customer terminal, or In order to terminate the management product for the retirement pension, the customer is provided with information on the termination of the management product including at least one of customer information and information on the product to be canceled, or at least the customer information and settlement instruction information for the settlement instruction for the retirement pension trust. A predetermined management point server provided at a predetermined management point for the customer in response to the management product management instruction information provided through the user interface for providing the management product settlement instruction information including one or more; New or terminated management products by processing in conjunction with Transfer funds from a given retirement pension trust account for the customer to a newly opened management instrument account, transfer funds from the terminated management instrument account to the retirement pension trust account, or at least one previously opened instrument The preferred configuration of the financial institution server 100 for the settlement processing for the retirement pension trust, including the account, etc., those of ordinary skill in the art to which the present invention pertains, reference and modification of this figure 2 By doing so, it is possible to infer various implementation methods of the financial institution server 100 for the transaction processing for the retirement pension management product and the settlement of the retirement pension trust through the electronic financial network including the Internet. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, in FIG. 2, although each functional component of the financial institution server 100 is illustrated in one server, various implementation methods such as the functional component provided in at least one or more servers may be inferred. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in FIG. 2, the financial institution server 100 illustrates the method of the functional component shown in the embodiment. However, if a person having ordinary knowledge in the technical field to which the present invention belongs, each functional component is functionally configured. Since the implementation method by means can be easily inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the financial institution server 100 shown in FIG. 2 is provided in the form of a module on the financial system, or the function of the financial institution server 100. Various implementation methods may be inferred by providing a component to at least one server, or by providing the servers inside a financial system, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 2 according to an embodiment of the present invention, the financial institution server 100 includes an interface unit (or interface means) 205 for connecting and managing a predetermined communication channel with the customer terminal through the communication network. Characterized in that made.

According to an embodiment of the present invention, when the customer terminal is a wired terminal connected to a predetermined wired communication network, the interface unit 205 has a predetermined communication channel with the wired terminal based on a protocol stack defined in the wired communication 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 communication program provided in the wired terminal.

For example, when the customer terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 205 connects a communication channel with the customer terminal based on the TCP / IP protocol, Provides at least one communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the wired terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 100, the interface unit 205 communicates with the customer terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal is a wireless terminal connected to a predetermined wireless communication network, the interface unit 205 communicates with the wireless terminal based on a protocol stack defined in the wireless communication 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 a communication program provided in the wireless terminal.

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

Or, if the wireless terminal is provided with a communication program (eg, IC chip-based banking program, etc.) provided by the financial institution server 100, the interface unit 205 and the wireless terminal based on the CDMA protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal is a financial automation device connected to a predetermined financial network, the interface unit 205 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 205 is defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 205 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 2 according to an embodiment of the present invention, the financial institution server 100 connects a communication channel with the financial institution server 100 through the interface unit 205 and then the interface. In operation (205), the customer terminal inputs (or selects) and transmits (or selects) management product instruction information or management product settlement instruction information including at least one of predetermined management product management instruction information and management product termination information. Interface providing unit (or to generate a predetermined user interface (or extract), or to generate (or extract) a user interface including (or extract) the operation target recommendation information for the customer in the user interface to the customer terminal (or Interface providing means (210), and the user interface in the customer terminal in conjunction with the interface unit Information receiving unit (or information receiving means) for receiving (information or selection) through the operating product management instruction information, operating instruction information including at least one of the management product termination information or the operating product settlement instruction information to be transmitted (215) ), And the customer information, the management target product information, and the management target amount information included in the received management product management instruction information in association with the time information that the customer instructed to operate the management product stored in a predetermined storage medium, The customer information included in the received management product termination time information and the cancellation target product information are stored in the storage medium in association with the time information instructed by the customer to cancel the management product, or in the received management product settlement instruction information. The included customer information and settlement instruction information are processed by linking with the time information that the client instructed the retirement pension trust settlement process. And an information storage unit (or information storage means) 235 to store in the existing storage medium.

The interface provider 210 connects the communication channel with the financial institution server 100 through the interface unit 205 and then interoperates with the interface unit 205 in the operation of the customer terminal. Generate (or extract) the user interface to input (or select) and transmit management product instruction information including at least one of product management instruction information, management product termination information, and management product settlement instruction information. It is characterized in that to provide.

Alternatively, the interface providing unit receives recommendation product information about the customer from the product D / B in association with the financial system, and generates (or extracts) a user interface further including the provided recommendation product information. Characterized in that provided to the customer terminal.

Alternatively, the interface providing unit 210 generates (or extracts) a user interface further including a description of a time in which the customer has instructed operation in the past or a predetermined unit time in the user interface and provides the same to the customer terminal. Characterized in that.

In addition, the interface providing unit 210 generates (or extracts) a user interface in the user interface, the user interface further including a real-time, or revenue history for a predetermined unit time in accordance with the operation instruction in the past, the customer terminal You can also provide.

According to the exemplary embodiment of the present invention, the interface providing unit 210 connects a communication channel with the financial institution server 100 through the interface unit, and then interlocks with the interface unit in the customer terminal. Generate (or extract) the user interface for inputting (or selecting) the management product operation instruction information, the operation product instruction information including the at least one management product termination instruction information, or the operation product settlement instruction information to be transmitted; It is preferable to generate (or extract) a user interface including an operation target recommendation product information for the customer in the interface and provide the same to the customer terminal.

The information receiving unit 215 includes at least one management product management instruction information and management product termination information transmitted by inputting (or selecting) the user terminal through the user interface in cooperation with the interface unit 205. And receiving management instruction information or management product settlement instruction information.

According to the method of the present invention, the information receiving unit 215 is linked with the interface unit 205, the operation product management instruction information, the management product management information input (or selected) transmitted by the customer terminal through the user interface is transmitted. It is preferable to receive the management instruction information or management product settlement instruction information including at least one of the city information.

The information storage unit 235 processes the customer information, the operation target product information, and the operation target amount information included in the received management product operation instruction information in association with the time information in which the customer instructs the operation of the management product. Stored in a storage medium, or stored in the storage medium by processing the customer information contained in the received information when the operation product is canceled, the product information to be canceled in association with the time information that the customer instructed to cancel the operation product, or the received The customer information and the settlement instruction information included in the management product settlement instruction information are stored in the storage medium in association with the time information in which the customer instructs the retirement pension trust settlement process.

According to an embodiment of the present invention, the information storage unit 235 is a time when the customer instructed the operation of the management product customer information, management target product information, management target amount information included in the received management product management instruction information The storage medium is stored in a predetermined storage medium in association with the information, or the customer information and cancellation target product information included in the received management product termination information are linked with the time information instructed by the customer to cancel the management product. The customer information and the settlement instruction information included in the received management product settlement instruction information may be stored in the storage medium in association with the time information in which the customer instructs the retirement pension trust settlement process.

Referring to FIG. 2 according to an embodiment of the present invention, the financial institution server 100 is linked with the financial institution server 100 the management target product information included in the management product management instruction information provided from the customer terminal. Check whether the product is operable in association with the product D / B on the financial system, and at least one of the target product information, the target amount of money information, management point information corresponding to the management product management instruction information in response to the identified result Create new product management information including the above, or link the cancellation target product information included in the information on the termination of the management product received from the customer terminal with the ledger D / B on the financial system linked to the financial institution server 100 Check whether the product has been instructed by the customer, and respond to the information when the product is released in response to the confirmed result. The financial institution server generates customer product cancellation processing information including at least one of target product information, management point information, and funds transfer account information, or includes customer information included in the management product settlement instruction information provided from the customer terminal. Check the presence or absence of a product previously instructed by the customer in connection with the ledger D / B on the financial system associated with (100), and if there is a product previously instructed in response to the confirmed result, The operation management unit for receiving the settlement target product information corresponding to the product in connection with the ledger D / B on the financial system linked to the financial institution server 100, and generates the management product settlement processing information including the received information ( Or management management means) 225 and the management product new processing information generated by the operation management unit 225, and generates the management product new processing information. After the account opening processing is completed in the management point server, the management target amount of money included in the management product account information and the management product fund transfer information including the management product management amount information is generated and linked with the financial system. Asset management unit (or asset management means) 230 for processing the funds transfer, and the operation product including at least one or more of the operation target product information, operation target amount information, management point information generated by the operation management unit 225 Providing new processing information to the management point server, or management product termination processing information including at least one or more of the cancellation target product information, management point information, funds transfer target account information generated by the operation management unit to the management point server Provide the management product settlement processing information generated by the operation management unit to the management point server. An information transmission unit (or the information transfer means) for the ball is characterized in that formed by having.

The management product operation instruction information is for the retirement pension trust account subscribed to the customer, in order to operate all (or part) of the deposits deposited in the retirement pension trust account through a predetermined management product, the customer Preferably, the terminal includes at least one of customer information, operation target product information, and operation target amount information provided to the financial institution server 100 through the terminal.

The customer information included in the management product operation instruction information includes the personal information of the customer (eg, the customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer). At least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system corresponding to the customer by joining the financial transaction customer of the financial institution; It is preferable to make.

The management target product information included in the management product management instruction information is used by the customer to manage all (or part) of the deposits deposited in the retirement pension trust account for the customer through a predetermined financial product. It is preferable to include the financial product provided through.

The management target amount information included in the management product management instruction information is used by the customer to manage all (or a part) of the deposits deposited in the retirement pension trust account for the customer through a predetermined financial product. It is preferable to include the amount to be invested in the financial product provided through.

The information on the termination of the management product may be changed or terminated to another product during operation through a predetermined management product through the management product through the predetermined management products through the retirement pension trust account subscribed to the customer; To this end, the customer preferably comprises at least one or more customer information, cancellation target product information provided to the financial institution server 100 through the customer terminal.

The customer information included in the information when the operation product is released includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer). At least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system corresponding to the customer by joining the financial transaction customer of the financial institution; It is preferable to make.

The cancellation target product information included in the information on the termination of the management product is operated by a predetermined financial product, while all (or a part) of the deposit deposited in the retirement pension trust account for the customer, and the customer has a predetermined intention and purpose. In order to terminate the subscription to the financial product, it is preferable that the customer comprises the financial product provided through the customer terminal.

The management product settlement instruction information is accumulated in the retirement pension trust account through the retirement pension trust account subscribed to by the customer, for the settlement processing for the product in operation through the operation product, the customer It is preferable to include at least one or more customer information, settlement instruction information provided to the financial institution server through.

The management product fund transfer information is a management product for the operation target amount included in the management product new processing information provided from the customer terminal in order for the customer to manage the deposit deposited in the retirement pension trust account through a predetermined financial product. It is preferred that the management amount information and at least one management product account information for the management product account generated as a result of processing the management product new processing information in the management point server.

Customer information included in the operational product settlement instruction information includes personal information of the customer (eg, customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer). At least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system corresponding to the customer by joining the financial transaction customer of the financial institution; It is preferable to make.

The management product new processing information is for the retirement pension trust account subscribed to by the customer, in order to manage all (or part) of the deposits deposited in the retirement pension trust account through a predetermined management product, the customer In response to the management product operation instruction information including at least one of customer information, operation target product information, and operation target amount information provided to the financial institution server 100 through a terminal, operation included in the management product operation instruction information It is preferable that the target product information, the management target amount information, and at least one management point information for the customer information included in the management product management instruction information is preferably included.

The management target product information included in the management product new processing information may be used by the customer to manage all (or a part) of the deposits deposited in the retirement pension trust account for the customer through a predetermined financial product. It is preferable to include the financial product provided through.

The management target amount information included in the management product new processing information is used by the customer to manage all (or part) of the deposits deposited in the retirement pension trust account for the customer through a predetermined financial product. It is preferable to include the financial product provided through.

Preferably, the management point information included in the management product new processing information includes at least one of code information, address information, a branch name, a telephone number, etc. of a branch (or a branch) of a financial institution to which the customer mainly deals. .

The operation product termination processing information is determined and operated by the customer in order to terminate the customer according to a predetermined intention and purpose while the customer is depositing a deposit deposited in a retirement pension trust account through a predetermined financial product. Information on at least one or more of the subject goods for cancellation, management point information confirmed by linking with the financial system for the customer, and for depositing funds deposited on the canceled goods by canceling the canceled goods; It is preferable to include at least one or more retirement pension trust account information corresponding to the funds transfer target account.

The canceled product information included in the managed product termination processing information may be used to manage all (or a portion) of the deposits deposited in the retirement pension trust account for the customer through a predetermined financial product, and the customer may have a predetermined intention and purpose. In order to terminate the subscription to the financial product, it is preferable that the customer comprises the financial product provided through the customer terminal.

The management point information included in the operation product termination processing information may include at least one or more code information, address information, a branch name, a telephone number, etc. of a branch (or a branch) of a financial institution that the customer mainly deals with. .

The retirement pension trust account information included in the operation product termination processing information includes an account number for a fund transfer target account for funding a deposit that was canceled and the deposit target product was terminated. desirable.

The management product settlement processing information is for the customer to operate the deposit deposited in the retirement pension trust account through a predetermined financial product, in order to settle the investment return, interest income, etc. until the customer requests settlement of accounts, Preferably, the product includes at least one item of settlement target product information and at least one management point information obtained by linking with the financial system to the customer.

The operation management unit checks whether the operation target product information included in the operation product management instruction information provided from the customer terminal in connection with the product D / B on the financial system linked to the financial institution server 100 and Generating new product management information including at least one operation target product information, operation target amount information, and management point information corresponding to the management product operation instruction information in response to the identified result; The information on the subject of termination of the product included in the information upon termination of the received management product is linked with the ledger D / B on the financial system linked with the financial institution server 100 to check whether the customer has indicated the operation of the product, and the confirmed In response to the result, the cancellation target product information, management point information, and fund transfer target account information corresponding to the information when the operation product is canceled Generating customer product termination processing information including at least one of the above, or the customer information included in the management product settlement instruction information provided from the customer terminal with the ledger D / B on the financial system linked to the financial institution server 100 Check the presence or absence of a product previously instructed by the customer, and if there is a product previously instructed in response to the checked result, the financial institution server 100 ) Is provided in connection with the ledger D / B on the financial system linked to, and generates the operating product settlement processing information including the provided information.

In addition, the operation management unit processes the management point information for the customer in conjunction with the customer information contained in the management product management instruction information, the management product termination information or the management product settlement instruction information provided from the customer terminal for the customer And extracting management point information and generating management product new processing information, management product cancellation processing information, and operating product settlement processing information further including the extracted management point information.

In addition, the operation management unit when the operation target amount information included in the management product operation instruction information provided from the customer terminal is greater than the manageable amount stored in the account ledger for the retirement pension account associated with the customer information, the operation It is preferable to generate error information on the operation product management instruction and provide the generated information to the customer terminal without processing the process of generating the product new processing information.

In addition, the operation management unit () determines whether the operation target product information included in the operation product management instruction information provided from the customer terminal matches the product information stored in the product D / B associated with the financial institution server 100 If it is confirmed that, if it does not match, it is preferable to generate error information for the management product management instruction and provide it to the customer terminal.

In addition, those skilled in the art to which the present invention pertains, since it will be familiar with the technical features of the retirement pension operation instruction, a detailed description thereof will be omitted for convenience.

According to the present invention, the operation management unit 225 is linked to the product D / B on the financial system linked to the financial institution server 100, the operation target product information included in the management product management instruction information provided from the customer terminal Check whether the product is operable, and in response to the result of the check, the management product new processing information including at least one of operation target product information, operation target amount information, and management point information corresponding to the operation product management instruction information; Is the product created or operated by the customer in connection with the D / B of the ledger on the financial system linked to the financial institution server 100, the information on the cancellation target product included in the operation product termination information provided from the customer terminal Check whether the information on the cancellation target product information, management point information corresponding to the information when the operation product is released in response to the confirmed result, Generate management product termination processing information including at least one fund transfer target account information, or the customer information included in the management product settlement instruction information provided from the customer terminal on the financial system linked to the financial institution server 100; Check the presence or absence of the product already instructed by the customer in connection with the ledger D / B, and if there is a product previously instructed in response to the confirmed result, the settlement target product information corresponding to the product instructed to operate It is preferable to generate management product settlement processing information provided in connection with the ledger D / B on the financial system linked with the financial institution server 100 and including the provided information.

In response to the management product new processing information generated by the operation management unit, the asset management unit 230 funds the operation target amount included in the generated management product new processing information after the account opening processing is completed in the management point server. It is characterized in that the management of the fund fund information in connection with the financial system by generating the investment product fund transfer information, including the management product account information, the management product operation amount information for processing the deposit.

In addition, the asset management unit 230 is characterized in that the deposit (or reserve) paid by the customer joining the retirement pension trust, the deposit processing to the retirement pension trust account in connection with the financial system.

According to the present invention, the asset management unit 230 corresponds to the management product new processing information generated by the operation management unit 2, the management target amount of money included in the generated management product new processing information in the management point server After the account opening process is completed, it is preferable to generate the investment product fund transfer information including the management product account information and the management product operation amount information for processing the fund transfer and process the fund transfer in connection with the financial system.

In addition, the asset management unit 230 is preferably deposited in the retirement pension trust account in connection with the financial system for the charges (or reserves) paid by the customer joining the retirement pension trust.

The information transmitting unit 220 provides the management point server with new management product processing information including at least one or more of the management target product information, management target amount information, and management point information generated by the operation management unit 225 or Providing to the management point server 105 management product termination processing information including at least one or more of the cancellation target product information, management point information, funds transfer target account information generated by the operation management 225, or And providing the management product settlement processing information generated by the operation management unit 225 to the management point server.

In addition, the information transmitter transmits the management product new processing information, the operation product cancellation processing information, or the operation product settlement processing information generated by the operation management unit to a predetermined encryption method (for example, based on a symmetric key). An encryption method, a public key-based encryption method, an electronic envelope-based encryption method, a key exchange-based encryption method, etc.) and may be transmitted to the management point server through the communication network.

In addition, those skilled in the art to which the present invention belongs will be familiar with the technical features of the encryption scheme, so a detailed description thereof will be omitted for convenience.

According to the present invention, the information transmitting unit 220 includes the management product new processing information including at least one or more of the operation target product information, operation target amount information, and management point information generated by the operation management unit 225. Providing to the management point server 105 management product termination processing information provided to the server 105, or at least one or more of the cancellation target product information, management point information, funds transfer target account information generated by the operation management unit Alternatively, it is preferable to provide the management point settlement process information generated by the operation management unit 225 to the management point server 105.

Figure 3 shows a preferred configuration of a management point server 105 for the transaction (or settlement) for the retirement pension management product through an electronic financial network including the Internet, etc. according to the embodiment of the present invention.

In more detail, FIG. 3 illustrates management product new processing information including at least one operation target product information, operation target amount information, and management point information from the financial institution server 100 in connection with the financial institution server 100. Received and opened a management product account in response to the received management product new processing information, or in conjunction with the financial institution server 100, product information, management point information, retirement pension from the financial institution server 100 Receiving the management product termination processing information including at least one or more of the trust account information, and terminates the operating product account established in response to the received management product termination processing information, and deposits the deposits and proceeds generated by the termination result Fund transfer to the retirement pension trust account, or from the financial institution server 100 in connection with the financial institution server 100 Receiving the management product settlement processing information including at least one product target product information, management point information, and settles the operation product account opened in response to the provided management product settlement processing information, and the settlement result information Shows a preferred configuration of the management point server 105 for storing in a predetermined financial system, and those skilled in the art to which the present invention pertains, reference and modification of the figure 3, including the Internet, etc. Although it is possible to infer various implementation methods of the management point server 105 for processing (or closing) the retirement pension management product through the electronic financial network, the present invention includes all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

For example, in FIG. 3, although each functional component of the management point server 105 is shown in one server, it is possible to infer various implementation methods such that the functional component is provided in at least one or more servers. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in FIG. 3, the management point server 105 shows the method of the functional component shown in the embodiment. However, a person having ordinary knowledge in the technical field to which the present invention belongs may configure each functional component. Since the implementation method by means can be easily inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, if the person skilled in the art 105 of the present invention belongs to the management point server 105 shown in Figure 3 in the form of a module on the financial system, or management point server 105 It may be inferred that various implementation methods, such as having a functional configuration of the at least one server, or having the servers in the financial system, the present invention includes all the inferred implementation methods, this figure It is not limited only to the implementation method shown in 3.

Referring to FIG. 3 according to the present invention, the management point server 105 is a management product new processing information including at least one or more management target product information, management target amount information, management point information from the financial institution server 100 Or the operation product closing processing information including at least one operation product cancellation processing information including at least one or more of the product information to be canceled, information about the amount to be canceled, management point information, and retirement pension trust account information or settlement target product information and management point information. When the management product new processing information, the management product cancellation processing information, or the management product closing processing information is received through the information receiving unit 300 (or information receiving means) for receiving the information and the information receiving unit 300, The newly processed information on the management product, the information on the cancellation of the management product, or the closing information on the management product, Validation unit 305 (or validation means) for confirming that the validity for the transaction processing for the retirement pension management product through the financing, and the new product management information received or received from the validation unit 305 or When the validity of the management product cancellation processing information or the management product closing processing information is confirmed, the received information on the management product new processing information or the management product closing processing information or the management product closing processing information is time information which the client instructed to operate the management product. Alternatively, the financial institution server 100 processes the new product management information, the management product cancellation processing information, or the operating product settlement processing information from the financial institution server 100 to the management point server 105 in association with the time information to store in a predetermined storage medium. And an information storage unit (or information storage means).

The information receiving unit 300 is a management product new processing information or cancellation target product information, cancellation target amount information, including at least one or more management target product information, management target amount information, management point information from the financial institution server 100, And receiving management product closing processing information including at least one management point information, retirement pension trust account information, or operating product settlement processing information including at least one management item information and management point information.

According to the present invention, the information receiving unit 300 from the financial institution server 100, management product new processing information or cancellation target product information, including at least one or more management target product information, management target amount information, management point information, It is preferable to receive management product termination processing information including at least one or more pieces of termination information, management point information, and retirement pension trust account information, or management product settlement processing information including at least one item of settlement target information and management point information. Do.

When the validity confirmation unit 305 receives the management product new processing information, the management product cancellation processing information or the management product settlement processing information through the information receiving unit 300, the received management product new processing information or management product cancellation It is characterized by checking whether the processing information or the management product settlement processing information satisfies the validity for transaction processing on the retirement pension management product through the electronic financial network including the Internet.

According to an embodiment of the present invention, the management product new processing information or management product cancellation processing information or management product association processing information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, And / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, etc.), the validity confirming unit 305 may settle the encrypted management product new processing information or management product cancellation processing information or management product. At least one decryption method corresponding to the encryption method (eg, a symmetric key based decryption method and / or a public key based decryption method, and / or an electronic envelope based decryption method, and / or a key exchange based decryption method). ) To decode the received management product new processing information or management product cancellation processing information or It is desirable to certify the validity of the management product settlement processing information.

Those skilled in the art to which the present invention pertains, the technical features to identify the technical features of the various decryption schemes for decrypting the encrypted management product new processing information or management product cancellation processing information or operating product settlement processing information Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the validity confirmation of the management product new processing information, the management product termination processing information or the management product settlement processing information is determined in the ledger D / B on the financial system associated with the management point server 105 It is preferable to include whether the at least one ledger information matching the new product management information, the management product cancellation processing information or the management product settlement processing information is registered.

In addition, the validation of the management product new processing information, management product cancellation processing information or management product settlement processing information to confirm whether the management point information provided in the predetermined storage medium associated with the management point server 105 It is preferable to include what is included.

For example, the validity confirming unit 305 confirms whether the operation target product information matches the product D / B on the financial system associated with the management point server 105 among the information included in the management product new processing information. It is preferable to comprise.

In addition, among the information contained in the operation product cancellation processing information, the information on the cancellation target product information comprises the step of checking whether the account ledger stored in the ledger D / B on the financial system associated with the management point server 105 It is preferable.

In addition, among the information contained in the operation product termination processing information, including checking whether the retirement pension trust account information matches the account ledger stored in the ledger D / B on the financial system associated with the management point server 105 It is preferable to make.

In addition, among the information contained in the operating product settlement processing information, the settlement target product information comprises a check whether the account ledger stored in the ledger D / B on the financial system associated with the management point server 105 It is preferable.

If the information storage unit confirms the validity of the received management product new processing information, management product cancellation processing information or management product settlement processing information in the validity confirmation unit 305, the received management product new processing information or management product Time information at which the customer instructs the operation of the management product or information on the management product new processing information or the management product termination processing information from the financial institution server 100 to the management point server 105. Or storing the data on a predetermined storage medium in association with the time information for providing the operational product settlement processing information.

According to the present invention, if the validity of the received management product new processing information or the management product cancellation processing information or the management product settlement processing information is confirmed by the validity confirmation unit 305, the received management product new Process information or managed product termination processing information or managed product settlement processing information is time information at which the customer instructs to operate the managed product or management product new processing information or operation from the financial institution server 100 to the management point server 105. It is preferable to store the information on the predetermined storage medium in association with the time information provided with the product termination processing information or the operation product settlement processing information.

Referring to FIG. 3 according to the present invention, when the validity of the management product new processing information is authenticated through the validity checker 305, the management point server 105 is received through the information receiver 300. Validity of the management product cancellation processing information through the account opening processing unit 310 (or an account opening means) for newly opening and processing a management product account in response to the management product new processing information and the validity checking unit 305. If the authentication, the account cancellation processing unit 315 (or account termination processing means) for canceling the operation product account corresponding to the operation product cancellation processing information received through the information receiving unit 300 and the validity confirmation unit When the validity of the management product settlement processing information is authenticated through 305, the management product account is opened in response to the management product settlement processing information received through the information receiving unit 300. Account settlement processing unit 318 that the acid treatment is characterized in that obtained by having a (or the account settlement processing means).

The account opening processing unit 310 operates in response to the management product new processing information received through the information receiving unit 300 when the validity of the management product new processing information is authenticated through the validity checking unit 305. It is characterized by opening a new product account.

According to the present invention, if the validity of the management product new processing information is authenticated through the validity confirmation unit 305, the account opening processing unit 310, the management product new processing received through the information receiving unit 300 In accordance with the information, it is desirable to open a new management product account.

In addition, in the account opening process, when the management product account is opened during the management product new account opening process, the account opening processing unit 310 may process the deposit to the management product account.

In addition, those skilled in the art to which the present invention pertains, since it will be familiar with the technical features of the operation product opening process, a detailed description thereof will be omitted for convenience.

The account termination processing unit 315 operates in response to the management product termination processing information received through the information receiving unit 300 when the validity of the management product termination processing information is authenticated through the validity confirmation unit 305. It is characterized in that the cancellation of the goods account.

According to the present invention, if the validity of the management product cancellation processing information is authenticated through the validity confirmation unit 305, the account termination processing unit 315, the operation product cancellation processing received through the information receiving unit 300 In response to the information, it is desirable to close the operational product account.

According to the present invention, the process of canceling the account, in the process of canceling the operation product account for the cancellation target product included in the operation product cancellation processing information, when the operation product account is canceled, the operation product account It is preferable to fund the deposits and proceeds which are being funded and operated in the retirement pension trust account, and the remaining amount except for the fees incurred in the termination process may be funded.

In addition, those skilled in the art to which the present invention pertains, since it will be familiar with the technical features of the operation product cancellation process, a detailed description thereof will be omitted for convenience.

The account settlement processing unit 318 operates in response to the management product settlement processing information received through the information receiving unit 300 when the validity of the management product settlement processing information is authenticated through the validation check unit 305. The product account is characterized in that the settlement process.

According to the present invention, if the account settlement processing unit 318 is validated with respect to the management product settlement processing information through the validity confirmation unit 305, the management product settlement processing received through the information receiving unit 300 It is preferable to settle the operational product account corresponding to the information.

According to the present invention, the process of the settlement of the account, the settlement of the management product account for the settlement target product included in the management product settlement processing information, when the settlement of the management product account, the management product account It is preferable to settle accounts for deposits and proceeds that have been funded and operated in the case of fund transfer to the retirement pension trust account, and may be treated as the result of settlement of the remaining amount excluding the fees incurred in the termination. .

In addition, those skilled in the art to which the present invention belongs will be familiar with the technical features of the operational product settlement process, detailed description thereof will be omitted for convenience.

4 is a flow chart of a process of newly instructing a management product by instructing a management product through a retirement pension settlement system for transaction processing on a retirement pension management product through an electronic financial network including the Internet, etc. according to an embodiment of the present invention. It is shown.

In more detail, FIG. 4 illustrates a transaction for a retirement pension management product through an electronic banking network including the Internet, etc. in the financial institution server 100 shown in FIG. 2 and the management point server 105 shown in FIG. The management product is instructed through the retirement pension settlement system for transaction processing of the retirement pension management product through the electronic financial network including the Internet for the new treatment of the management product by instructing the operation product through the retirement pension settlement processing system for processing. As an operation flow of a process of newly instructing and managing a processed product, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and modify this drawing, and retirement pension through an electronic financial network including the Internet. Operation of the process of newly processing the management product by instructing the management product through the retirement pension settlement system for transaction processing on the management product Various implementation methods for the flow 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.

For example, those skilled in the art to which the present invention pertains may refer to and modify this drawing 4 to provide a retirement pension settlement system for transaction processing for retirement pension management products through an electronic financial network including the Internet. Direct the management product through the operation process for the new process of the management product by modifying the operation flow through the retirement pension settlement system for transaction processing of the retirement pension management product through the electronic financial network including the Internet, etc. It may be inferred that various implementation methods for the treatment of new management products may be inferred, but the present invention includes all implementation methods inferred from the above, and the present invention is not limited thereto.

Hereinafter, in FIG. 4, the customer terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 2 is referred to as a “server” for convenience.

In addition, the customer information, the management target product information, the management target amount information transmitted from the customer terminal to the financial institution server 100 is referred to as "operation product management instruction information" for convenience, and the financial institution server 100 The management target product information, management target amount information, and management point information transmitted to the management point server 105 are referred to as "operation product new processing information" for convenience.

Referring to FIG. 4, a predetermined user interface for inputting (or selecting) management product management instruction information from the server to the terminal is provided, and the management product management instruction information is input (or selected) through the user interface. When the terminal transmits the management product management instruction information to the server, the server receives the management product management instruction information for the management product management instruction from the terminal (400).

The server stores the product management instruction information in association with the time information managed by the server in a predetermined storage medium (405).

The server generates management product new processing information for the management product new processing corresponding to the management product management instruction information (410), and transmits the generated management product new processing information to the management point server 105 (415) ).

Thereafter, the management point server 105 checks the validity of the management product new processing information (420).

According to an embodiment of the present invention, the management product new processing information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the management point server 105 may be configured to at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted management product new processing information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received management product new processing information.

Those skilled in the art will be familiar with the technical features for identifying technical features of various decryption methods for decrypting the encrypted management product new processing information. Omit for convenience.

According to an embodiment of the present invention, the validity confirmation of the management product new processing information is at least one ledger that matches the management product new processing information in the ledger D / B on the financial system associated with the management point server 105 It is preferable to include checking whether the information is registered.

In addition, the verification of the validity of the new product management information is preferably made to check whether it matches the management point information provided in the predetermined storage medium associated with the management point server 105.

For example, the management point server 105 confirms whether the management target product information matches the product D / B on the financial system associated with the management point server 105 among the information included in the management product new processing information. It is preferable to comprise.

If the validity of the management product new processing information is not authenticated (425), the management point server 105 generates and transmits error information on the management product new processing information to the server (430), and the server In operation 435, the management product management instruction information is transmitted to the terminal in response to the error information about the management product new processing information.

On the contrary, if the validity of the management product new processing information is authenticated (425), the management point server 105 processes the management product new processing information in association with the time information managed by the management point server 105 to manage the management product. The storage medium of the point server 105 is stored (440).

Thereafter, the management point server 105 opens and processes the operation product account corresponding to the management product new processing information (445).

The server checks whether the management product account to be opened in the management point server 105 is opened (450).

If the management product account is opened (455), the management product operation instruction information from the retirement pension trust account opened by the customer by the retirement pension contract in the server from the retirement pension trust account opened in the management point server 105 The amount corresponding to the funds transfer process (460).

5 is an operation flow of a process of canceling a management product by instructing the operation product through the retirement pension settlement processing system for the transaction processing for the retirement pension management product through the electronic financial network including the Internet, etc. according to the embodiment of the present invention. It is shown.

In more detail, FIG. 5 illustrates a transaction for a retirement pension management product through an electronic financial network including the Internet, etc., at the financial institution server 100 shown in FIG. 2 and the management point server 105 shown in FIG. Instruct the management product through the retirement pension settlement system to process the management product through the retirement pension settlement system for transaction processing of the retirement pension management product through the electronic financial network including the Internet for the termination of the management product. The operation flow of the process of processing the cancellation of the operation product as indicated, and those skilled in the art to which the present invention belongs, retirement pension through an electronic financial network, including the Internet by referring to and modified this figure 5 In the process of canceling the management product by instructing the management product through the retirement pension settlement system for transaction processing of the management product Various implementation methods for the work flow 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.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify this drawing 5 to create a retirement pension settlement system for transaction processing for retirement pension management products through an electronic financial network including the Internet. Through the retirement pension settlement system for transaction processing of retirement pension management products through the electronic financial network including the Internet, etc. It may be inferred that various implementation methods for the operation product termination processing can be inferred, but the present invention includes all implementation methods inferred, and the present invention is not limited thereto.

Hereinafter, in FIG. 5, the customer terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 2 is referred to as a “server” for convenience.

In addition, the customer information transmitted from the customer terminal to the financial institution server 100, the product information for cancellation is referred to as "operation product termination information" for convenience, the information on the termination target information, the amount of termination information, management point information Retirement pension trust account information is referred to as "operational product termination processing information" for convenience.

Referring to FIG. 5, if the server provides a predetermined user interface for inputting (or selecting) information on the management product release from the server, and inputs (or selects) the management product release information through the user interface, The terminal transmits the management product release information to the server, and receives the management product release information for the operation product release from the terminal at the server (500).

The management product fund transfer information is a management product for the operation target amount included in the management product new processing information provided from the customer terminal in order for the customer to manage the deposit deposited in the retirement pension trust account through a predetermined financial product. It is preferable that the management amount information and at least one management product account information for the management product account generated as a result of processing the management product new processing information in the management point server 105 preferably.

In operation 505, the server releases the management product release information in association with time information managed by the server and stores the information in a predetermined storage medium.

The server generates management product cancellation processing information for the management product cancellation processing corresponding to the information when the management product is canceled (510), and transmits the generated management product cancellation processing information to the management point server 105 ( 515).

Thereafter, the management point server 105 checks the validity of the management product cancellation processing information (520).

According to an embodiment of the present invention, the operation product cancellation processing information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the management point server 105 may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received management product cancellation processing information.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of identifying technical features for various decryption methods for decrypting the encrypted management product cancellation processing information, and thus, a detailed description thereof. Is omitted for convenience.

According to an embodiment of the present invention, the validity check of the management product termination processing information is at least one ledger that matches the management product termination processing information in the ledger D / B on the financial system associated with the management point server 105 It is preferable to include checking whether the information is registered.

In addition, the verification of the validity of the management product cancellation processing information is preferably made to include whether it matches the management point information provided in the predetermined storage medium associated with the management point server 105.

For example, among the information included in the operation product termination processing information, and confirming that the cancellation target product information is matched with the account ledger stored in the ledger D / B on the financial system associated with the management point server 105 It is preferable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of identifying technical features for various decryption methods for decrypting the encrypted management product cancellation processing information, so that the detailed description thereof Omit for convenience.

If the validity of the management product cancellation processing information is not authenticated (525), the management point server 105 generates error information on the management product cancellation processing information and transmits it to the server (530), and the server In operation 535, the terminal transmits the information upon termination of the operation product in response to the error information about the operation product termination processing information.

On the other hand, if the validity of the management product cancellation processing information is certified (525), the management point server 105 in the management point server 105 in conjunction with the time information managed in the management point server 105 to manage the management The storage medium provided in the point server 105 is stored (540).

Thereafter, the management point server 105 terminates the management product account corresponding to the management product cancellation processing information (545).

6 is a flow chart of a process of instructing an operation product through a retirement pension settlement processing system for transaction processing on a retirement pension management product through an electronic financial network including the Internet according to an embodiment of the present invention. It is shown.

In more detail, FIG. 6 illustrates a transaction for a retirement pension management product through an electronic financial network including the Internet, etc., at the financial institution server 100 shown in FIG. 2 and the management point server 105 shown in FIG. The management product is instructed through the retirement pension settlement system for transaction processing on the retirement pension management product through the electronic financial network including the Internet for the settlement of the management product by directing the management product through the retirement pension settlement processing system for processing. The operation flow of the process of processing the settlement of the operating product by indicating, and those skilled in the art to which the present invention belongs, the retirement pension through the electronic financial network including the Internet by referring to and modifying the Figure 6 In the process of settlement of the management product by instructing the management product through the retirement pension settlement system for transaction processing of the management product Would be able to infer a variety of exemplary methods for the flow, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify this drawing 6 to provide a retirement pension settlement system for transaction processing for retirement pension management products through an electronic financial network including the Internet. The order of operation flow for the process of processing the management product settlement by instructing the management product is changed and the management product is processed through the retirement pension settlement system for transaction processing on the retirement pension management product through the electronic financial network including the Internet. It may be inferred that various implementation methods for operating product settlement processing may be inferred, but the present invention includes all implementation methods inferred above, and the present invention is not limited thereto.

Hereinafter, in FIG. 6, the customer terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 2 is referred to as a “server” for convenience.

In addition, the customer information and settlement target product information transmitted from the customer terminal to the financial institution server 100 is referred to as "operation product settlement instruction information" for convenience, settlement target product information, settlement target amount information, management point information, Retirement pension trust account information is referred to as "operational product settlement processing information" for convenience.

Referring to FIG. 6, a predetermined user interface for inputting (or selecting) management product settlement instruction information from the server to the terminal is provided, and the management product settlement instruction information is input (or selected) through the user interface. When the terminal transmits the management product settlement instruction information to the server, the server receives the management product settlement instruction information for the management product settlement instruction from the terminal (600).

In operation 605, the server stores the settlement product settlement instruction information in association with the time information managed by the server and stores it in a predetermined storage medium.

The server generates management product settlement processing information for the management product settlement processing corresponding to the management product settlement instruction information (610) and transmits the generated management product settlement processing information to the management point server 105 (615). ).

Thereafter, the management point server 105 checks the validity of the management product settlement processing information (620).

According to an embodiment of the present invention, the operational product settlement processing information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the management point server 105 may convert the encrypted operating product settlement processing information into at least one decryption method (eg, a symmetric key based decryption method) corresponding to the encryption method. / Or public key based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received management product settlement processing information.

Those skilled in the art will be familiar with the technical features for identifying technical features of various decryption methods for decrypting the encrypted operational product settlement processing information. Omit for convenience.

According to an embodiment of the present invention, the validity confirmation of the management product settlement processing information is at least one ledger that matches the management product settlement processing information in the ledger D / B on the financial system associated with the management point server 105 It is preferable to include checking whether the information is registered.

In addition, the verification of the validity of the management product settlement processing information is preferably made to include whether it matches the management point information provided in the predetermined storage medium associated with the management point server 105.

For example, among the information included in the operating product settlement processing information, the settlement target product information comprises a check that matches the account ledger stored in the ledger D / B on the financial system associated with the management point server 105 It is preferable.

In addition, among the information contained in the operating product settlement processing information, including checking whether the retirement pension trust account information matches the account ledger stored in the ledger D / B on the financial system associated with the management point server 105 It is preferable to make.

According to an embodiment of the present invention, the operational product settlement processing information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the management point server 105 may convert the encrypted operating product settlement processing information into at least one decryption method (eg, a symmetric key based decryption method) corresponding to the encryption method. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received management product settlement processing information.

If the validity of the management product settlement processing information is not authenticated (625), the management point server 105 generates error information on the management product settlement processing information and transmits the error information to the server (630). In operation 635, the management product settlement instruction information is transmitted to the terminal in response to the error information about the management product settlement processing information.

On the other hand, if the validity of the management product settlement processing information is authenticated (625), the management point settlement processing information in the management point server 105 in conjunction with the time information managed by the management point server 105 to manage the The storage medium provided in the point server 105 is stored (640).

Thereafter, the management point server 105 performs a settlement process on the management product account corresponding to the management product settlement processing information (645).

7 is a view of a user interface provided between a financial institution server 100 and a customer terminal in a retirement pension settlement system for transaction processing for a retirement pension management product through an electronic financial network including the Internet according to an embodiment of the present invention. The preferred configuration is shown.

In more detail, Figure 7 shows that a predetermined customer enters into a predetermined retirement pension contract for the transaction processing of a retirement pension management product through an electronic financial network including the Internet, etc. When a pension trust account is opened, a deposit (or allowance) paid by the customer is deposited into the opened retirement pension trust account, and newly processed to a predetermined retirement pension management product selected by the customer through a predetermined user interface. Process all or part of the amount deposited in the retirement pension trust account (C / C), or terminate the retirement pension management product selected by the customer through the user interface. To process all or part of the amount of money in the retirement pension fund to the C / C fund transfer to the retirement pension trust account. As shown in FIG. 7, the user interface provided between the financial institution server 100 and the customer terminal in the direct pension management product transaction processing system is known to those skilled in the art. And various modification methods of the user interface provided between the financial institution server 100 and the customer terminal in the retirement pension settlement processing system for transaction processing of the retirement pension management product through the electronic financial network including the Internet. 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.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify the present invention with reference to FIG. 7 to modify the position of the screen configuration shown in FIG. It may be further provided, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to the present invention, the user interface uses the amount of money deposited in the retirement pension trust account to the customer terminal shown in FIG. 1 corresponding to the amount of money deposited by the customer in the retirement pension trust account. A predetermined amount of at least one of providing a running amount generated in the course of operating through the product, a product operation history for the management product previously entered (or selected) by the customer, and an account number corresponding to the retirement pension trust account. An operation target product interface for providing at least one information interface, operable product information for an operation product that can be operated by the customer, recommendation product information recommended to the customer, and the customer terminal in the financial institution server 100; Past operating instructions, past terminations, and revenue generated during past operations It characterized in that it comprises a past transaction history interface to provide at least one.

The information interface is an operating amount generated in the process of operating the amount deposited in the retirement pension trust account through a predetermined management product in response to the amount of money deposited by the customer in the retirement pension trust account to the customer terminal; It is characterized in that the customer provides at least one or more items of the product management history, the account number corresponding to the retirement pension trust account for the management product previously entered (or selected).

According to the present invention, the information interface is an operation generated in the process of operating the amount deposited in the retirement pension trust account to the customer terminal in response to the amount of money deposited in the retirement pension trust account through a predetermined management product It is preferable to provide at least one or more of the amount of money, the product operation history for the management product previously entered (or selected) by the customer, and an account number corresponding to the retirement pension trust account.

The operation target product interface is characterized by providing at least one or more operable product information for the operation product that can be operated by the customer, and recommended product information recommended to the customer.

According to the present invention, it is preferable that the operation target product interface provides at least one item of operational product information and recommended product information recommended to the customer for the operation product that can be operated by the customer.

The past transaction history interface is characterized by providing at least one past operation instruction history, past termination information history, the revenue generated during the past operation up to the point of time when the customer terminal is connected to the financial institution server 100.

According to the present invention, the past transaction history interface provides at least one or more past operating instruction details, past termination information history, past revenues up to the point of time when the customer terminal is connected to the financial institution server 100, It is preferable.

According to the present invention, the employee reduces the processing time such as the retirement pension trust management instruction, there is an advantage that can be more efficient business processing.

In addition, the retirement pension trust can be settled at any time.

Claims

Receiving operation product settlement instruction information including customer information and settlement target product information from a predetermined customer terminal in a predetermined information receiving unit;

Generating operation product settlement processing information for the customer to settle the existing operation instruction retirement pension management product in response to the operation product settlement instruction information in a predetermined operation management means;

Transmitting, by a predetermined information transmission means, the generated product settlement processing information to a predetermined management point server (a branch managing a customer (or a branch));

And resolving the retirement pension management product corresponding to the generated management product new processing information in a predetermined account settlement processing means.

The method of claim 1,

And storing the retirement pension management product settlement processing in association with the customer information in a predetermined storage medium in a predetermined information storage means.

A computer-readable recording medium having recorded thereon a program for implementing the method of claim 1 or 2.

Information receiving means for receiving management product settlement instruction information including customer information and settlement target product information from a predetermined customer terminal;

Operation management means for generating, in response to the management product settlement instruction information, the customer's settlement product settlement processing information for settlement of the existing operation instruction retirement pension management product;

Information transmitting means for transmitting the generated operational product settlement processing information to a predetermined management point server (or a branch managing a customer);

Retirement pension trust settlement instruction system comprising a; account settlement processing means for closing the retirement pension management product corresponding to the generated management product new processing information.