+

WO2018186713A1 - Procédé de souscription à un produit financier et système associé - Google Patents

Procédé de souscription à un produit financier et système associé Download PDF

Info

Publication number
WO2018186713A1
WO2018186713A1 PCT/KR2018/004085 KR2018004085W WO2018186713A1 WO 2018186713 A1 WO2018186713 A1 WO 2018186713A1 KR 2018004085 W KR2018004085 W KR 2018004085W WO 2018186713 A1 WO2018186713 A1 WO 2018186713A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
information
financial product
financial
terminal
Prior art date
Application number
PCT/KR2018/004085
Other languages
English (en)
Korean (ko)
Inventor
최수열
Original Assignee
주식회사 제이비금융지주
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 제이비금융지주 filed Critical 주식회사 제이비금융지주
Publication of WO2018186713A1 publication Critical patent/WO2018186713A1/fr

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635—Processing of requisition or of purchase orders
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

Definitions

  • one or more information agreement terms and conditions agreement (personal (credit) information collection and use agreement, personal (credit) information inquiry agreement, personal (credit) information collection and use required for customer's personal (credit) information agreement Customer information must be entered in the agreement, etc.), and the various customer agreements for financial products must be entered in the same way.
  • the present invention proposes a method and system for joining a financial product that can simplify the procedure of joining a conventional complex financial product.
  • the application for at least one financial product designed based on at least one information of the consultation content with the customer and the customer information of the customer previously stored in the customer DB
  • Receiving information from a sales terminal Generating a financial product corresponding to the received financial product application information; Transmitting the generated financial product information to at least one terminal of the customer terminal and the sales terminal of the customer; Receiving confirmation information on at least one financial product selected from the at least one financial product information from the customer terminal; And it provides a financial product subscription method comprising the step of executing the financial product received the confirmation information.
  • the generating of the financial product may further include opening an inactive account of the customer name corresponding to the financial product, and the executing may activate the inactive account as an active account.
  • the financial product information may include at least one of customer information of the customer, contents of the financial product, and an agreement for applying for the financial product.
  • the agreement provided to the customer terminal of the customer may be pre-filled with information input by the customer or sales staff based on at least one of customer information stored in the customer DB and information on the consultation.
  • the receiving of the confirmation information may include receiving at least one identification information of the real name confirmation information of the customer, confirmation information on the customer information, confirmation information on the details of the financial product, agreement information on the agreement, and the like. can do.
  • the financial instrument information is transmitted in the form of link information.
  • the financial institution server provides the financial instrument identification interface for verifying the financial instrument information to the client terminal.
  • the link information may be link information generated for each sales employee.
  • the method Before generating the financial product, transmitting customer consent request information to a customer terminal of a customer whose customer information is not stored in the customer DB; If the approval information for the customer consent request information is received from the customer terminal, the method further comprises the step of storing the customer information for the customer in the customer DB, the customer consent request information is the identity verification request information of the customer , At least one request information of the request information for the at least one information agreement condition information required for consent of the customer's personal (credit) information, wherein the approval information is the name of the customer, the resident registration number of the customer, the customer terminal Include at least one verification information of the authentication information for the number, the confirmation information on the information agreement condition information, and the step of storing in the customer DB, personal credit inquiry company (CB) based on the name and resident registration number of the customer And storing the customer information of the customer provided by the server in the customer DB.
  • CB personal credit inquiry company
  • a customer DB for storing customer information of a customer for subscription to a financial product; Provides a financial product design interface that stores information on a plurality of financial products, and enables the sales terminal to design a financial product based on at least one of consultation information with the customer and customer information previously stored in the customer DB.
  • Financial product management unit A financial product generation unit for receiving at least one financial product identification information designed through the financial product design interface from the sales terminal and generating a financial product based on the application information;
  • An information transmitter for transmitting the generated at least one financial product information to at least one of a customer terminal and a sales terminal of a customer;
  • the financial product subscription system comprising a financial product processing unit that executes the received financial product, when confirmation information regarding the one or more financial products selected from the customer terminal among the information of the at least one financial product is received. Is provided.
  • a sales employee utilizes a financial institution server through a sales terminal, and after designing a financial product and sending the designed financial product information to a customer terminal of the customer, the customer clicks the financial product information through the customer terminal.
  • the customer information, the contents of the financial product, the agreement, etc. can be checked visually, and if there is no abnormality, the user can expect the effect of simply completing the financial product subscription process by simply clicking the confirmation process button.
  • FIG. 1 is a network configuration diagram schematically showing a financial product subscription system according to an embodiment of the present invention.
  • FIG. 2 and 3 is a flow chart showing a series of processes of the financial product subscription method according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating an example of a customer consent request information interface according to an embodiment of the present invention.
  • FIG. 5 is a diagram illustrating an example of link information of customer consent request information transmitted to a customer terminal according to an embodiment of the present invention.
  • FIG. 6 is a diagram illustrating an example of a customer consent confirmation interface provided to a customer terminal according to an embodiment of the present invention.
  • FIG. 7 is a diagram illustrating an example of a registration notification message transmitted from a financial institution server to a sales terminal according to an exemplary embodiment of the present invention.
  • FIG. 8 is a diagram illustrating an example of link information of financial product information transmitted to a customer terminal according to an embodiment of the present invention.
  • FIG 9 and 10 are diagrams showing an example of the financial product confirmation interface provided to the customer terminal according to an embodiment of the present invention.
  • 11 is a diagram illustrating an example of an agreement in which information is written according to an embodiment of the present invention.
  • FIG. 13 is a block diagram schematically showing the configuration of a financial server according to an embodiment of the present invention.
  • FIG. 1 is a network configuration diagram schematically showing a financial product subscription system according to an embodiment of the present invention.
  • a financial product subscription system includes a sales terminal 100, a customer terminal 200, and a financial institution server 300.
  • the sales terminal 100 is a terminal used by a salesperson who can access the Internet through a wired or wireless communication network through a communication module, and may be a computer (Personal Computer, PC), a notebook, a mobile phone, a smartphone, and a PDA (Personal Digital Assistants). have.
  • PC Personal Computer
  • PC Personal Computer
  • notebook Portable Computer
  • mobile phone a smartphone
  • PDA Personal Digital Assistants
  • the customer terminal 200 is a terminal capable of accessing the Internet through a wired or wireless communication network through a communication module, and may be a computer (Personal Computer, PC), a notebook computer, a mobile phone, a smartphone, and a PDA (Personal Digital Assistants).
  • PC Personal Computer
  • PC Personal Computer
  • notebook computer Portable Computer
  • mobile phone a smartphone
  • PDA Personal Digital Assistants
  • the customer terminal 200 is a terminal used by a customer to subscribe to a financial product, and may include both a terminal previously held by the customer or a terminal provided by a sales employee to the customer for subscription to the financial product.
  • the sales employee accesses the financial institution server 300 through the sales terminal 100, and based on at least one of the contents of the consultation with the customer and the customer information previously stored in the customer DB,
  • the financial product may be designed in advance, and the financial product information thus designed may be transmitted to the customer terminal 200.
  • the sales staff may include an employee who resides in the window of the financial institution, an employee who directly visits the customer and guides the member to the financial institution.
  • the agreement provided and displayed to the customer terminal 200 is characterized in that the information input by the customer is pre-filled based on at least one of customer information and consultation contents stored in the customer DB. Therefore, the customer can visually check the customer information displayed on the customer terminal 200, the application details of the financial product, the agreement, and the like, and if necessary, click the OK button, and the agreement is stored in the customer database. Since the customer does not need to directly enter the customer information, etc., it is possible to shorten the time required to prepare a conventional financial product application documents.
  • the financial institution server 300 receives confirmation information on at least one financial product selected from the at least one financial product information from the customer terminal 200
  • the financial institution server 300 executes the financial product for which the confirmation information is received. Complete the subscription of the product.
  • execution of the financial product may mean activating an inactive account of the customer name previously generated in the financial product generation step as an active account.
  • the sales staff and the customer can focus on consultation to find out which financial product corresponds to the customer's needs, without having to spend a lot of time in the preparation of the financial product application documents. Effectively recommend financial instruments.
  • Customers can also omit the process of applying for financial products by writing customer information separately in various documents required for signing up for financial products, and can sign up for financial products simply by checking the information of financial products designed by sales staff. For example, the process of signing up for financial products can be simplified.
  • the financial institution server 300 may include a communication unit 301, a customer managing unit 303, a customer DB 305, a financial product managing unit 307, a financial product generating unit 309, and an information transmitting unit 311. ), And may include a financial product processing unit 315 and a control unit 317.
  • the customer manager 303 may store a customer information file (CIF) of the customer provided from the CB server based on the name and the social security number of the customer in the customer DB 305.
  • the CIF information stored in the customer DB 305 may store various customer information necessary for financial institution work such as customer name, social security number, address, occupation, income level, customer holding account, and the like. Since CIF information is customer information commonly used by financial institutions, detailed description thereof will be omitted.
  • the financial product management unit 307 stores information on a plurality of financial products, and designs the financial product based on at least one of information of consultation with a customer and customer information previously stored in the customer DB in the sales terminal 100. It provides a financial product design interface that enables it.
  • the plurality of financial products managed by the financial product management unit 307 may be updated whenever a financial product is newly established, and may be automatically updated with new agreement information when the agreement information for each of the plurality of financial products is changed.
  • the financial product generation unit 309 receives at least one financial product identity information designed through the financial product design interface from the sales terminal 100, and generates a financial product based on the application information.
  • the information transmitter 311 may transmit at least one financial product information generated by the financial product generator 309 to at least one of the customer terminal 200 and the sales terminal 100.
  • the financial product information transmitted to the customer terminal 200 may be link information on the financial product information.
  • the financial product processing unit 315 may read the financial product information.
  • the financial product identification interface for confirming may be provided to the customer terminal 200.
  • the financial product processing unit 315 may execute the received financial product when receiving confirmation information regarding one or more financial products selected from the customer terminal among the at least one financial product information.
  • execution of the financial product may mean activating an inactive account of the customer name generated by the financial product generation unit 309 as an active account.
  • the financial product processing unit 315 is confirmed that the acceptance of the examination documents necessary for generating the financial product, and if the examination documents pass the examination conditions for the financial product, the financial product You could also run

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Selon un mode de réalisation de l'invention, un procédé permettant de souscrire à un produit financier consiste à : recevoir, d'un terminal de vente, des informations d'application pour au moins un produit financier qui est conçu d'après des informations concernant une consultation avec un client et/ou des informations clients préalablement stockées dans une BD de clients ; générer des produits financiers correspondant aux informations d'application reçues ; transmettre les informations sur le produit financier généré au terminal client et/ou au terminal de vente ; recevoir, du terminal client, des informations de confirmation concernant au moins un produit financier sélectionné parmi au moins un élément d'informations de produit financier ; et exécuter le produit financier pour lequel les informations de confirmation ont été reçues. Selon l'invention, lorsqu'un vendeur conçoit un produit financier au moyen du terminal de vente en utilisant un serveur d'établissement financier et envoie les informations concernant le produit financier conçu au terminal client, le client peut cliquer sur les informations concernant le produit financier au moyen du terminal client afin de contrôler visuellement les informations client, le contenu du produit financier, le contenu d'un accord etc. et, lorsque rien n'est erroné dans ces éléments, peut facilement exécuter un processus de souscription de produit financier en cliquant simplement sur un bouton de confirmation.
PCT/KR2018/004085 2017-04-07 2018-04-06 Procédé de souscription à un produit financier et système associé WO2018186713A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020170045540A KR20180113871A (ko) 2017-04-07 2017-04-07 금융상품 가입방법 및 그 시스템
KR10-2017-0045540 2017-04-07

Publications (1)

Publication Number Publication Date
WO2018186713A1 true WO2018186713A1 (fr) 2018-10-11

Family

ID=63712292

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2018/004085 WO2018186713A1 (fr) 2017-04-07 2018-04-06 Procédé de souscription à un produit financier et système associé

Country Status (2)

Country Link
KR (1) KR20180113871A (fr)
WO (1) WO2018186713A1 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102648298B1 (ko) * 2018-10-29 2024-03-18 주식회사 헥토파이낸셜 비대면 계좌개설을 통한 간편결제 서비스 등록 방법
KR102190192B1 (ko) * 2019-03-20 2020-12-11 사단법인 금융결제원 오픈뱅킹 환경에서의 개방형 인증 중개 서비스 제공 방법, 시스템 및 애플리케이션

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20080022828A (ko) * 2006-09-08 2008-03-12 주식회사 신한은행 금융상품 가입 처리방법
KR20090002056A (ko) * 2007-06-04 2009-01-09 주식회사 신한은행 고객 맞춤형 계좌 운용방법 및 시스템과 이를 위한기록매체
KR20120085496A (ko) * 2011-01-24 2012-08-01 에스케이텔레콤 주식회사 금융 상담 통지 장치 및 이를 이용한 서비스 방법
KR20140134493A (ko) * 2013-05-14 2014-11-24 주식회사 우리은행 대출 서비스 제공 방법, 이를 실행하는 서버 및 이를 실행하는 시스템
WO2017043885A1 (fr) * 2015-09-09 2017-03-16 주식회사 피노텍 Procédé et système de prestation de services financiers par vérification de nom réel sans face-à-face mobile

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20080022828A (ko) * 2006-09-08 2008-03-12 주식회사 신한은행 금융상품 가입 처리방법
KR20090002056A (ko) * 2007-06-04 2009-01-09 주식회사 신한은행 고객 맞춤형 계좌 운용방법 및 시스템과 이를 위한기록매체
KR20120085496A (ko) * 2011-01-24 2012-08-01 에스케이텔레콤 주식회사 금융 상담 통지 장치 및 이를 이용한 서비스 방법
KR20140134493A (ko) * 2013-05-14 2014-11-24 주식회사 우리은행 대출 서비스 제공 방법, 이를 실행하는 서버 및 이를 실행하는 시스템
WO2017043885A1 (fr) * 2015-09-09 2017-03-16 주식회사 피노텍 Procédé et système de prestation de services financiers par vérification de nom réel sans face-à-face mobile

Also Published As

Publication number Publication date
KR20180113871A (ko) 2018-10-17

Similar Documents

Publication Publication Date Title
WO2013137528A1 (fr) Système de règlement de transaction hors-ligne, et procédé et dispositif à cet effet
US8355935B2 (en) Third party information transfer
US20130179982A1 (en) Data Processing Engine System And Method
JP4612246B2 (ja) 人材オークションシステムおよび人材オークションサーバ
CA2801659A1 (fr) Systeme et procede de gestion d'identite et architecture connexe
KR20010008101A (ko) 하드웨어의 고유번호를 이용한 전자거래 시스템 및 그 방법
CN107111721A (zh) 数据安全系统和方法
WO2015069028A1 (fr) Authentification multicanal, procédé de transfert financier et système utilisant un terminal de communication mobile
WO2017126837A1 (fr) Procédé de règlement d'un montant de paiement de facture
WO2022169011A1 (fr) Dispositif électronique permettant de traiter des informations de vente d'articles et procédé associé
WO2018186713A1 (fr) Procédé de souscription à un produit financier et système associé
CN111639119B (zh) 反洗钱系统中的客户信息查询方法和设备
WO2023128263A1 (fr) Procédé et dispositif basés sur une chaîne de blocs pour gérer des informations relatives à un animal de compagnie
KR20020068566A (ko) 스크린 스크래핑 기술을 이용한 고객 자산 관리 방법 및시스템
KR102467829B1 (ko) 손해사정사 매칭 시스템 및 그 방법
WO2016171491A1 (fr) Système d'évaluation d'admissibilité de prêt et d'ébauche de contrat à l'aide d'un terminal mobile
JP2016126669A (ja) 情報管理サーバ及びその方法
JP2001243345A (ja) 訪問者身元確認システム
CN113283797A (zh) 业务审批方法、装置、设备及存储介质
CN113487289B (zh) 在线支付方法及装置、计算机可读存储介质及电子设备
WO2018160038A1 (fr) Serveur de paiement, système de paiement et procédé d'enregistrement de carte associé
US12058134B2 (en) System for providing chatbot services in integrated way
CN115545948B (zh) 一种融资管理方法及装置
WO2017022916A1 (fr) Dispositif et procédé de génération de document électronique
WO2017164613A1 (fr) Procédé, système et dispositif de traitement de paiement

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18780829

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 18780829

Country of ref document: EP

Kind code of ref document: A1

点击 这是indexloc提供的php浏览器服务，不要输入任何密码和下载