KR101702858B1 - Method for managing an automatic investment using a hybrid account and system for performing the same - Google Patents

Abstract

Disclosed is a method for managing an automatic investment using a hybrid account capable of automatically providing a financial investment through a hybrid account having an on-time lending function and a regular lending function and a system for performing the same. An automatic investment management system using a hybrid account includes an account subscription server receiving unit for receiving a hybrid account subscription book including a periodic loan date, a periodic loan, an interest rate of a periodic loan, an arbitrary loan, and an interest rate of an arbitrary loan; A hybrid account creating unit for creating a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a required balance area to which the equity capital is mapped and a minus balance area to which an occasional loan is mapped; A periodic loan execution unit for executing the periodic loan and depositing the committed periodic loan as the period of the periodic loan arrives; A loan mortgage mapping unit for mapping the periodic loan that has been deposited to the plus loan area as the committed periodic loan is deposited; And a plurality of financial investment account accounts are connected to a hybrid account to conduct a financial investment through a hybrid account, and as the money collected after the investment is deposited in the financial investment account accounts, the circulation process is automatically carried out again to the hybrid account Automatic investment management.

Description

METHOD FOR MANAGING AN AUTOMATIC INVESTMENT USING A HYBRID ACCOUNT AND METHOD FOR PERFORMING THE SAME

The present invention relates to a method of managing an automatic investment using a hybrid account and a system for performing the same. More particularly, the present invention relates to a hybrid investment management system and a hybrid financial investment management system, An automatic investment management method using an account, and a system for performing the same.

Financial institutions such as banks provide customers with various types of benefits such as demand deposit accounts (providing high interest rates on a certain amount of money, exemption from fees, etc.) and fixed deposits as financial products. Demand deposits do not receive high interest rates instead of being free to enter / withdraw money, and term deposits can not be entered / withdrawn, are limited, and there is a high interest rate instead of a subscription condition.

However, the term deposit is basically a restriction that guarantees the contracted interest rate unless it is terminated by the maturity date of the contract, and if the subscriber cancels the term deposit before expiration, it will not receive the low interest rate or the interest rate due to the contract failure. Interest rates on fixed deposits are higher depending on the amount of the deposit, but the higher the deposit amount, the higher the interest rate.

However, customers will have to sign up for time deposits at less than the amount they owe, because they will have to sign up with a minimum amount of extra money for their lives or for unexpected expenses if they want to sign up for a lot of money.

On the other hand, in general, the concept of a negative bankbook (or a negative loan) has already been commercialized and widely used. In other words, if a minus account is opened and loans are made to the loan agreement loan company from time to time and the loan is repaid at any time, the interest is calculated at the interest rate stipulated from the loan date to the repayment date.

However, even if a negative bankbook is opened, if the customer does not use the loan service, it is useless for the bank.

On the other hand, customers go through a lot of procedures to enter / withdraw money through bank accounts. For example, if the customer is a salaried employee, the salary is deposited on a specific day, and the process of withdrawing the card payment amount, utility bills (apartment management fee, etc.), various taxes, do.

If you are self-employed, you may wish to secure certain funds as extra funds.

Korea Open Patent No. 2012-0134496 (Name: Method of operating deposit on the basis of negative loan) (Dec. 12, 2012) Korean Registered Patent No. 10-1270760 (Name: Automatic Transfer Management System and Management Method) (registered on May 28, 2013) Korean Patent Laid-Open No. 2009-0081766 (titled "Account Balance-Based Negative Lending Account Management Method and Program Record Medium for System Pie") (Released on July 29, 2009) Korean Registered Patent No. 10-1070454 (Name: Method of Operating Time-Based Fixed Deposit) (Registered on September 28, 2011)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a periodic loan function in which a loan is periodically executed in accordance with a customer's request, By providing the financial investment automatically through the granted hybrid account, it is possible to provide the customer with the real-time service for the setting and management of the investment portfolio or asset management of the customer while eliminating the hassle of applying for the loan, And provide a method of managing an automatic investment using a hybrid account that can provide performance.

Another object of the present invention is to provide an automatic investment management system using a hybrid account for performing an automatic investment management method using the hybrid account.

In order to achieve the object of the present invention, an automatic investment management method using a hybrid account according to an embodiment of the present invention includes: receiving a hybrid account subscription book including information for an occasional loan agreement and information for a term loan agreement; Extracting and storing periodic lending date information, periodic lending information, interest rate information of the periodic loan, occasional loan information, and interest rate information of the occasional loan in the hybrid account subscription book; Generating a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a demand deposit area to which the equity capital is mapped and a minus balance area to which the occasional loan is mapped; Performing a periodic loan and depositing the committed periodic loan as the period of the periodic loan arrives; Mapping the deposited periodic loan to the plus loan area as the committed periodic loan is deposited; Calculating the interest of the periodic loan and deducting the calculated interest from the periodic loan to be deposited after the period of the subsequent periodic loan; And a plurality of financial investment account accounts are connected to the hybrid account to conduct financial investment through the hybrid account, and as the money collected after the investment is deposited in the financial investment account accounts, the collection money is automatically transferred back to the hybrid account And managing the automatic investment through a circulation process.

In one embodiment, the step of managing the automatic investment includes: connecting accounts of the financial investment product corresponding to each of the financial investment products and the hybrid account with each other; Setting and storing investment plan information for each investment product from a customer terminal corresponding to the hybrid account; Withdrawing the investment amount from the hybrid account and transferring the investment amount to the financial instrument investment account according to the investment plan information to execute investment in the financial investment product; And transferring the deposit amount to the hybrid account as the withdrawal amount is deposited in the financial investment product account after the satisfaction of the investment recovery condition.

In one embodiment, the hybrid investment account management method may further include a step of, when the investment is completed according to the loan, the hybrid account repayment of the principal of the loan from the transferred amount and settlement of the loan interest.

In one embodiment, the investment plan information for each investment product may include any one of periodic investment progress or temporary investment progress, investment amount, and investment cost.

In one embodiment, the investment recovery condition may include any one of a maturity condition, a bond condition, and a payout.

In one embodiment, an automatic investment management method using a hybrid account may include storing the investment commitment amount information and the investment strategy information, and storing the investment commitment amount set in the hybrid account and the account of the hybrid account Comparing the balances; If the account balance is greater than or equal to the investment commitment amount, extracting an amount corresponding to the investment commitment amount from the account balance to define the investment amount; And finishing the investment through the loan if the account balance is less than the investment commitment amount.

In one embodiment, the step of finishing the investment through the loan may include lending the difference between the account balance and the investment commitment amount if the account balance is greater than 0, and adding the loan amount and the account balance to the investment balance step; And if the account balance is less than or equal to zero, financing the investment commitment amount with the investment amount.

In one embodiment, the step of establishing account linking between the financial investment product account and the hybrid account comprises: sending an account connection agreement confirmation message to the customer terminal; Requesting a customer terminal for a plurality of financial investment product account information as an agreement message is received from the customer terminal; Receiving financial investment product account information from the customer terminal; Generating a hybrid account corresponding to the customer; And connecting the hybrid investment account with the hybrid investment account.

In one embodiment, the step of setting and storing the investment commitment amount information and the investment strategy information includes: providing an investment commitment amount selection screen for selecting an investment commitment amount; Storing the selected investment commitment amount as the investment commitment amount is selected on the investment commitment amount selection screen; Providing an investment strategy selection screen for selecting an investment strategy; And storing the selected investment strategy information as the investment strategy information is selected on the investment strategy selection screen.

In one embodiment, an automatic investment management method using a hybrid account is a method of managing withdrawal of a gold fund mapped to the positive balance region preferentially in response to a request for withdrawal of cash, depositing a gold fund mapped in the positive balance region, Withdrawing the money from the cashier; Performing account transfer processing of a money source mapped to the plus balance area in preference to account transfer request and performing account transfer processing in a minus balance area when insufficient funds mapped in the plus balance area; And depositing the money in the plus balance area and mapping it to the plus loan area when the amount of the balance money is present, At least one of the following steps.

In order to achieve the other object of the present invention, an automatic investment management system using a hybrid account according to an embodiment includes a hybrid account An account registration server receiving an enrollment form; A hybrid account creating unit for creating a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a required deposit area to which the capital is mapped and a minus balance area to which the frequent loan is mapped; A periodic loan execution unit for executing the periodic loan and depositing the committed periodic loan as the period of the periodic loan arrives; A loan money mapping unit for mapping the deposited periodic loan to the plus loan area as the committed periodic loan is deposited; And a plurality of financial investment product accounts are connected to the hybrid account to conduct a financial investment through the hybrid account, and as the money collected after the investment is deposited in the financial investment account accounts, the circulation process is automatically transferred again to the hybrid account And the like.

In one embodiment, the automatic investment management unit includes: a financial investment product account management unit for connecting accounts of the financial investment product corresponding to each of the financial investment products and the hybrid account to each other; An investment information storage management unit for setting and storing investment commitment amount information and investment strategy information from a customer terminal in response to the hybrid account; An investment progress unit for withdrawing the investment amount from the hybrid account and making an investment on the investment object based on the investment strategy information; An account transfer unit for transferring the money deposited in the account linked to the investment object to the hybrid account as the return deposit is satisfied and the deposit is deposited in the account connected to the investment object; And if the investment is completed according to the loan, the hybrid account may include a settlement unit for repaying the principal of the loan from the transferred amount and for settlement of the loan interest.

In one embodiment, the automatic investment management unit includes: a balance checking unit for checking an investment commitment amount set in the hybrid account and an account balance of the hybrid account as the investment time passes; And an investment finishing unit for financing the investment by lending the difference between the investment commitment amount and the account balance when the account balance of the hybrid account is less than the investment commitment amount.

In one embodiment, the investment information storage management unit comprises: an investment commitment information DB for storing investment commitment information; An investment management unit for receiving the investment commitment amount information for each customer and storing the information in the investment commitment information DB; An investment strategy DB for storing investment strategy information; And an investment strategy manager for receiving investment strategy information for each customer and storing the investment strategy information in the investment strategy DB.

In one embodiment, the investment information storage management unit provides investment product models for selecting an investment strategy through a customer terminal, and selects an investment strategy model selected as the investment strategy model is selected through the customer terminal, To the investment strategy management unit. In this case, the investment product management unit may provide the lap commodity models stored in the lap commodity model DB to the customer terminal, and provide the lap commodity models to the investment strategy management unit as a single lap commodity model is selected through the customer terminal A product management unit; A fund product management unit for providing fund product models stored in the fund product model DB to the customer terminal and providing the selected fund product model to the investment strategy management unit as a single fund product model is selected through the customer terminal; And a short-term commodity management unit for providing the short-term commodity models stored in the short-term commodity model DB to the customer terminal and providing the selected fund commodity model to the investment strategy management unit by selecting one fund commodity model through the customer terminal .

In one embodiment, the automatic investment management system using the hybrid account withdraws a gold fund mapped to the positive balance region preferentially in response to a request for cash withdrawal, A withdrawal management unit for withdrawing the withdrawal from the banknote; A money transfer management unit that performs withdrawal processing of a money source mapped to the positive balance region with priority in response to a request for transfer of money and performs withdrawal processing in a minus balance region when insufficient funds are mapped to the plus balance region; When the money is deposited in the account, the interest amount of the occasional loan withdrawn from the minus balance region and the interest amount of the occasional loan is preferentially redeemed, and if there is the remaining amount of money, the money is deposited in the plus balance region and is mapped to the plus loan region A redemption processing unit; And a periodic loan repayment processing unit for calculating the interest of the periodic loan and subtracting interest from the periodic loan to be subsequently deposited.

In one embodiment, the loan interest rate of the periodic loan mapped to the positive balance region may be lower than the loan interest rate of the occasional loan mapped to the negative balance region, and may be higher than the deposit interest rate according to the deposit of the equity capital.

According to the automatic investment management method using the hybrid account and the system for performing this, it is possible to provide the regular lending function in which the loan is executed periodically in accordance with the occasional lending function and the contract, Thus, it is possible to eliminate the hassle of applying for a loan to a customer, and to provide a stable loan performance to a bank. In addition, a financial investment is made through a single hybrid account in which a plurality of financial investment account accounts are connected, and a circulation process of automatically transferring the collected money back to the hybrid account as the money is deposited in the financial investment account accounts, You can set up and manage your investment portfolio or asset management in real time.

1 is a network diagram illustrating an automated investment management system using a hybrid account according to an embodiment of the present invention.
2 is a diagram for explaining a comparison between a general negative passbook and a hybrid passbook according to the present invention.
3 is a block diagram for explaining the hybrid passbook management server shown in FIG.
FIG. 4 is a block diagram illustrating an investment operation using the automatic investment management unit shown in FIG.
5 is a block diagram for explaining an example of the automatic investment management unit shown in FIG.
FIG. 6 is a block diagram illustrating the message push server shown in FIG. 5. FIG.
7 is a block diagram illustrating the investment management server shown in FIG.
8 is a block diagram for explaining the investment information storage management unit shown in FIG.
9A and 9B are flowcharts illustrating an automatic investment management method using a hybrid account according to an embodiment of the present invention.
FIGS. 10A and 10B are views showing an example of a customer terminal displaying the negative balance and the positive balance shown in FIG. 9B.
11 is a flowchart for explaining the withdrawal processing step according to the balance shown in Fig. 9B.
FIG. 12 is a flowchart for explaining the account transfer processing step according to the transfer item shown in FIG. 9B.
FIG. 13 is a flowchart for explaining the default loan repayment and deposit processing steps shown in FIG. 9B.
14A and 14B are flowcharts for explaining the automatic investment management step shown in FIG. 9B.
FIG. 15 is a flowchart for explaining a step of connecting an account of the financial investment product shown in FIG. 14A and a hybrid account.
FIG. 16 is a flowchart for explaining the steps of storing the investment commitment amount and the investment strategy shown in FIG. 14A.
FIG. 17 is a flowchart for explaining the step of finishing the investment through the loan shown in FIG. 14A.
18 is a flowchart for explaining the step of repayment of the principal of the loan and the interest settlement of interest shown in FIG. 14B.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described in more detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like numbers refer to like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowchart may be performed by computer program instructions. These computer program instructions may be loaded into a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus so that the instructions, which may be executed by a processor of a computer or other programmable data processing apparatus, And means for performing the functions described in each step are created. These computer program instructions may also be stored in a computer usable or computer readable memory capable of directing a computer or other programmable data processing apparatus to implement the functionality in a particular manner so that the computer usable or computer readable memory It is also possible for the instructions stored in the block diagram to produce a manufacturing item containing instruction means for performing the functions described in each block or flowchart of the block diagram. Computer program instructions may also be stored on a computer or other programmable data processing equipment so that a series of operating steps may be performed on a computer or other programmable data processing equipment to create a computer- It is also possible that the instructions that perform the processing equipment provide the steps for executing the functions described in each block of the block diagram and at each step of the flowchart.

Also, each block or each step may represent a module, segment, or portion of code that includes one or more executable instructions for executing the specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially concurrently, or the blocks or steps may sometimes be performed in reverse order according to the corresponding function.

Hereinafter, a method of managing an automatic investment using a hybrid account according to an embodiment of the present invention and an automatic investment management system using a hybrid account to perform the method will be described.

The hybrid account management system according to the embodiment of the present invention is constructed based on a financial legacy system of a conventional bank. In general, banks' financial legacy systems include a central system, an information system, an accounting system, a banking system, and a customer relationship management (CRM) system.

The hybrid account management system according to the embodiment of the present invention is constituted by adding a server (or device) that performs functions for the present invention or functions for the present invention in an account system.

In this specification, the term hybrid account and the term hybrid account can be used in combination.

1 is a network diagram illustrating an automated investment management system using a hybrid account according to an embodiment of the present invention.

1, the hybrid account management system according to an embodiment of the present invention includes a hybrid bank account management server 100, an electronic document server 200, an electronic document DB 250, a DBMS (Data Base Management System) 300, And a banking server (400).

The hybrid bankbook management server 100 operates as a subject performing the hybrid bank account-based operating method according to the embodiment of the present invention.

The hybrid bankbook management server 100 can be located within the accounting system of the financial legacy system and is responsible for the establishment and operation of the hybrid bankbook. For example, the hybrid bankbook management server 100 is responsible for the operation of the negative balance due to the occasional loan, and the operation of the balance of the plus. The operation of the plus balance may include operation of the periodic loan area according to the periodic loan, and operation of the demand deposit area according to the demand deposit.

The hybrid bankbook management server 100 may be built in a conventional account creation server (not shown) for creating an account of a financial product in the account system, and may be constructed as a separate server (or device) .

The hybrid bankbook management server 100 is connected to a window terminal 32 of a branch office through a financial network (for example, a financial common network or a local network), and the other banknotes 200 to 500 and a corresponding bank network Lt; / RTI >

The hybrid bankbook management server 100 generates an account of the hybrid bankbook and registers the subscription conditions included in the subscription request (rate, expiration date, customer identification information, subscription amount, etc.) to the account of the hybrid bankbook . The request for joining the hybrid passbook may be performed by the customer terminal 31 via the Internet or by the window terminal 32 through the financial network.

The hybrid bankbook management server 100 creates an electronic document and a ledger for the hybrid account in cooperation with the electronic document server 200 and the DBMS 300. [

The hybrid bankbook management server 100 receives a hybrid account subscription book including information for an occasional loan agreement and information for a periodic loan agreement, and the hybrid account subscription book includes information on the periodic loan information, the periodic loan information, the interest rate of the periodic loan Information on the occasional loan, and interest rate information of the occasional loan are extracted and stored. The periodic loan information, periodic loan information, and occasional loan information are information input by a customer who issues a hybrid bankbook, interest rate information of the periodic loan, interest rate information of the occasional loan, and the like are information input by a financial institution issuing a hybrid bankbook to be. The information input by the customer and the information input by the financial institution may be stored and managed in a separate customer ledger. For example, the information stored and managed in the customer ledger may include customer identification information (e.g., CIF (Customer Information File) number), country code, bank contact person ID, customer classification, Customer's address, local classification code, telephone number, classification code, expiry date, state headquarters information, settlement date, cash available date, periodic loan date, periodic loan, interest rate of periodic loan, occasional loan, , A resident registration number, a company telephone number, and the like.

The hybrid account subscription book may be provided from a customer terminal owned by a customer corresponding to the client or from a window terminal.

When the hybrid account book is provided from the customer terminal, the interest rate information of the occasional loan or the interest rate information of the periodic loan can be authenticated through a separate lending process and written in the hybrid account book.

Or the interest rate information of the occasional loan or the interest rate information of the periodic loan may be separately authenticated and stored in the hybrid bankbook management server 100 for each customer. Accordingly, the interest rate information of the occasional loan may be omitted in the information for the occasional loan agreement included in the hybrid account subscription book provided from the customer terminal, and the interest information of the periodic loan may be omitted in the information for the periodic loan agreement .

The hybrid bankbook management server 100 generates a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a demand deposit area to which the capital is mapped and a minus balance area to which the frequent loan is mapped . In this embodiment, the mapping may mean that the money is deposited and stamped. Thus, in one hybrid passbook, a plus loan area corresponding to the periodic loan is allocated to the left area, a demand deposit area is allocated to the central area, and a minus balance area corresponding to the occasional loan is allocated to the right area. Accordingly, the customer can confirm in a single passbook the amount of the loan, the demand deposit, and the periodic loan that have been withdrawn or deposited at any time in the hybrid bankbook possessed by the customer. In addition, you can check the interest on the loan in addition to the interest on the demand loan or the periodic loan, as well as the deposit interest based on the demand deposit on a single account.

The hybrid bankbook management server 100 executes the periodic loan and deposits the committed periodic loan to the hybrid passbook as the period of the regular loan comes.

The hybrid bankbook management server 100 maps the deposited periodic loan to the plus loan area as the committed periodic loan is deposited.

The hybrid bankbook management server 100 withdraws the money source mapped to the plus balance area in preference to the cash withdrawal request and performs withdrawal processing in the minus balance area when insufficient funds mapped in the plus balance area.

As the account transfer is requested, the hybrid bankbook management server 100 first processes the money source mapped to the plus balance area and processes the account transfer in the minus balance area at the shortage of funds mapped to the plus balance area. The hybrid bankbook management server 100 can process the account transfer according to the transfer item. For example, the transfer item may include financial interest groups, utility bills, and financial contribution groups. The financial interest group may include a home loan interest, a credit loan interest, and a credit card payment amount. The utility bill group may include a national pension, an electricity bill, a communication fee, a water bill, and a CMS. The financial contribution group may include savings, beneficiary certificates and funds. On the same date, the withdrawal order may be in the order of the financial interest group, the utility group, and the financial contribution group.

The hybrid bankbook management server 100 calculates and repayment the interest-bearing interest in the default loan balance and the default loan balance in the negative balance region, deposits the balance in the plus balance region if the balance fund exists, Plus map to the loan area.

The hybrid bankbook management server 100 calculates the interest on the periodic loan and deducts the interest from the periodic loan that is subsequently deposited.

The electronic document server 200, the electronic document DB 250, the financial system (including the DBMS 300), and the banking server 400 constitute a system for financial transactions. Here, the financial system is a generic term of the remaining legacy systems except for the electronic document server 200, the electronic document DB 250, and the banking server 400.

The electronic document server 200 receives the electronic document for the hybrid passbook from the hybrid bankbook management server 100 to generate the electronic document information and the electronic document DB 250 receives the electronic document information / RTI >

DBMS 300 generates and stores a ledger by receiving various information on demand deposit, periodic loan and occasional loan (i.e., negative loan) from hybrid bankbook management server 100, and provides various kinds of information Stores information of all financial transactions made through hybrid passbooks. Accordingly, the information stored in the DBMS 300 may include information such as whether a specific customer opened a hybrid bankbook, details of entry / withdrawal through a hybrid bank account, whether the periodic loan is terminated and terminated, the period of subscription periodic loans, interest of periodic loans, Usage history and interest.

The banking server 400 is connected to the customer terminal 31 via the Internet. The banking server 400 connects with the DBMS 300 of the financial system and enables the customer to use a financial service (e.g., inquiry, transfer, etc.) via the Internet in connection with the customer terminal 31.

The hybrid bankbook management server 100 is connected to one or more banking systems 10, one or more insurance company systems 20, one or more card issuer systems 30 and one or more securities company systems 40, It is possible to provide various related information for executing an automatic investment to a customer using a customer terminal 31 such as a computer or a smart phone and receive an automatic investment execution confirmation message from the corresponding customer terminal 31, System 40 or the like.

In addition, the hybrid bankbook management server 100 creates one hybrid account in accordance with the customer's subscription. The hybrid account is used to distribute the investment amount (or investment amount) according to the investment strategy set by the customer and to make the investment operation through the brokerage system 40. [

In addition, the hybrid bankbook management server 100 links the hybrid account with the bank account opened by the customer at the bank in connection with the bank system 10. [ Here, the account connection between the hybrid account and the bank account means that the balance of the bank account is settled to the hybrid account when the investment is completed at the time of investment.

In addition, the hybrid bankbook management server 100 links the hybrid account with an amount that can be borrowed from various insurance policies of the customer in connection with the insurance company system 20. Here, the account connection of the hybrid account and the amount of the loanable amount of the insurance contract of the customer means that the accountable amount of the insurance contract loan can be transferred to the hybrid account when the investment is completed at the time of investment.

In addition, the hybrid bankbook management server 100 links the hybrid account with the customer's credit card creditable amount in connection with the card issuer system 30. Here, the account connection of the hybrid account and the customer's credit card loans can be made to the hybrid account when the investment money is completed at the time of investment.

Also, when finishing the investment at the time of investment, it is possible to preferentially transfer the creditable amount of the insurance policy to the hybrid account by preferentially transferring the credit card creditable amount to the hybrid account.

2 is a diagram for explaining a comparison between a general negative passbook and a hybrid passbook according to the present invention.

Referring to FIG. 2, a general negative account balance area is composed of a negative balance area corresponding to an occasional loan area and a positive balance area corresponding to a required deposit area. In a general minus account, the minus balance area is fixed according to the credit of the customer, and the plus balance area is variable according to the money deposited by the customer. Normally, customers do not deposit required deposits in a negative account and withdraw money in the negative balance area only when the dispatch is needed.

On the other hand, the balance area of the hybrid passbook according to the present invention is composed of a negative balance area and a positive balance area corresponding to the occasional loan area. The positive balance area is composed of a required deposit area and a regular loan area.

The negative balance area is fixed according to the customer's credit or the like.

The demand deposit area is variable according to the amount deposited by the customer. If a large amount is deposited, the demand deposit area rises, and if there is no deposit amount, the demand deposit area is zero.

The periodic loan amount area may be fixed according to the amount agreed by the customer or may vary according to the request of the customer. The maximum amount of the above-mentioned periodic loan can be set by the financial institution according to the credit of the customer, and the periodic loan can be settled in a manner selected by the customer himself or herself from the maximum amount of the set periodic loan. Meanwhile, the maximum amount of the periodic loan may be set by the financial institution according to the security setting of the customer, and the periodic loan may be pledged by the customer himself or herself in the maximum amount of the periodic loan set. The periodic loan money is deposited in the periodic loan money area as the fixed date arrives. The periodic loan can be settled to be deposited on a specific day every month. In this embodiment, the loan corresponding to the negative balance area has the nature of an occasional loan, and the loan corresponding to the periodic loan area has the nature of a periodic loan. In this embodiment, the interest rate of the periodic loan is higher than the deposit interest rate and may be lower than the loan interest rate at any time.

The hybrid passbook according to the present invention can be released to customers in the form of a product having an occasional lending function and a regular lending function. In other words, regardless of whether the customer's account balance is 0 yen, regardless of the customer's account balance, which is designed to allow the user to use the fixed amount at any time from time to time, and the account balance is greater than 0 yen, The periodic lending function, which is designed to automatically execute the loan, can be given advantages to both the customer and the bank since the loan is executed from a single account (ie, an account).

In other words, since customers are regularly subscribed to the loan, it is possible to secure funds by transferring the funds to the hybrid account without monthly application. In particular, customers can provide convenience to customers in terms of securing liquidity of funds.

In addition, since the banks issue regular loans every certain period, they can provide stable loan performance. In particular, it is possible to steadily manage loan performance by automatically making a certain amount of loans to customers who have been confirmed for a certain period of time.

FIG. 3 is a block diagram for explaining the hybrid bankbook management server 100 shown in FIG.

3, the hybrid bankbook management server 100 includes a local interface 110, an I / O interface 115, an account subscription server 120, a hybrid account generator 125, An automatic withdrawal processing unit 130, a loan money mapping unit 135, a withdrawal management unit 140, an occasional loan repayment processing unit 145, a periodic loan repayment processing unit 150, a gradation transfer processing unit 155 and an automatic investment management unit 160. In this embodiment, the hybrid bankbook management server 100 includes a local interface 110, an I / O interface 115, an account subscription server 120, a hybrid account generator 125, 130, the loan mapping unit 135, the withdrawal management unit 140, the occasional loan repayment processing unit 145, the periodic loan repayment processing unit 150, the gradation transfer processing unit 155 and the automatic investment management unit 160 , Which is logically divided for the sake of convenience of explanation, but is not classified by hardware.

The local interface unit 110 is interfaced with the customer terminal 31 or the window terminal 32 through the corresponding bank network (i.e., the local network) to provide various information for the present invention to the window terminal 32, And receives various information for the service of the present invention from the terminal 32. [

The I / O interface unit 115 enables data communication by connecting with various servers constituting the system of the present invention. Here, the interfaces provided by the local interface unit 110 and the I / O interface unit 115 are based on a protocol stack defined in the communication network to be connected. The I / O interface unit 115 may be located in both the hybrid bankbook management server 100 as well as other configurations (200 to 500, etc.) of the system according to the embodiment of the present invention.

The account subscription server receiving unit 120 receives a hybrid account subscription book including information for an occasional loan agreement and information for a term loan agreement.

The hybrid account creation unit 125 performs an account registration procedure including a periodic loan, a periodic loan, an occasional loan, and a transfer item to calculate a balance account area defined according to the occasional loan, a periodic loan area corresponding to the periodic loan, Creates a hybrid account with a positive balance area defined by the required deposit area according to equity capital.

The periodic loan execution unit 130 executes the periodic loan as the period of the periodic loan comes, deposits the committed periodic loan, and maps the periodic loan to the periodic loan amount area.

The loan mapping unit 135 maps the periodic loan that has been deposited to the plus loan area as the committed periodic loan is deposited.

When the withdrawal request is made, the withdrawal management unit 140 first withdraws the money source mapped to the plus balance area, and performs the withdrawal process in the minus balance area when insufficient funds are mapped in the plus balance area. For example, the withdrawal management unit 140 permits withdrawal of the withdrawal request amount from the plus balance if the plus balance corresponding to the plus balance area is larger than the withdrawal request amount at the time of withdrawing a certain amount of withdrawal request. The withdrawal management unit 140 checks whether the positive balance is greater than zero if the positive balance is not greater than the requested amount. When the plus balance is greater than 0 yen, the withdrawal management unit 140 withdraws the entire amount from the plus balance, and subtracts the difference amount from the minus balance. If the positive balance is less than or equal to 0 yen, the withdrawal management unit 140 withdraws the balance in full from the negative balance. In this embodiment, the withdrawal management unit 140 may manage the cash withdrawal or manage the account transfer. Therefore, in this embodiment, withdrawal may include withdrawal in cash and withdrawal in accordance with account transfer.

The arbitrary loan repayment processing unit 145 calculates and repayment of the interest payment of the occasional loan that has been withdrawn in the negative balance area and the interest amount of the available loan at the time of depositing the funds into the account, deposits the remaining amount in the plus balance area Plus map to the loan area.

The periodic loan repayment processor 150 calculates the interest of the periodic loan and deducts the interest from the periodic loan that is subsequently deposited.

When the account transfer is requested, the account transfer processing unit 155 processes the account transfer according to the transfer item. For example, the account transfer processing unit 155 checks the transfer item and the balance. When the balance is checked to be larger than the transfer amount, the account transfer processing unit 155 transfers the amount corresponding to the transfer item to the account. When the transfer item is checked as the cost of living, the account transfer processing unit 155 withdraws the amount from the negative balance and transfers it to the account. When the transfer item is checked as extra money, the account transfer processing unit 155 withdraws the amount from the negative balance and transfers the account to the account. When the transfer item is checked as an investment, the account transfer processing unit 155 withdraws the amount from the plus balance and transfers it to the account.

The automatic investment management unit 160 connects the plurality of financial investment account accounts to the hybrid account to conduct financial investment through the hybrid account, and as the money collected after the investment is deposited in the financial investment account accounts, And manages the automatic investment through a circulation process of automatically transferring the hybrid account to the hybrid account.

FIG. 4 is a diagram illustrating an investment behavior using the automatic investment management unit 160 shown in FIG.

Referring to FIG. 4, the manager automatically manages an account of a customer investor, that is, a hybrid account, by using the automatic investment management unit 160. To do this, investors, for example, get permission from the investor to connect the investor's bank account and the hybrid account with each other.

Also, the manager checks the information of financial investment products such as derivatives or securities using the automatic investment management unit 160 and performs automatic investment based on the investment strategy set by the investor on the information of the confirmed financial investment products . Derivatives are financial instruments whose prices are determined by changes in the value of the underlying assets, and are names given because the value of the commodity is derived from the change in value of the underlying asset. The underlying assets that are subject to derivative trading include risks related to natural, environmental, and economic phenomena, such as financial instruments such as stocks, bonds, currencies, general products such as agricultural / , Indicators, and units that can be calculated or evaluated.

Securities are classified into debt securities, equity securities, beneficiary certificates, investment contract securities, derivatives-linked securities and securities deposit securities. Debt securities are usually called bonds, such as government bonds, municipal bonds, corporate bonds, and corporate bonds, and equity securities are called common stock. Securities are limited in size to the original loss, while derivatives may incur additional losses beyond the original. In addition, securities exist as such, but derivatives may exist only with underlying assets such as securities or in-kind.

After conducting the automatic investment through the automatic investment management unit 160, the manager of the automatic investment management unit 160 can receive the sales commission or the consulting fee from the investors. For example, if the automated investment management unit 160 is operated by an independent investment adviser or equivalent, the consultant fee can be received from the investor. Meanwhile, when the automatic investment management unit 160 is operated by a securities company, the sales commission can be received.

FIG. 5 is a block diagram for explaining an example of the automatic investment management unit 160 shown in FIG.

3 and 5, the automatic investment management unit 160 includes a message push server 162 and an investment management server 164.

The message push server 162 is connected to a customer terminal 31 such as a smart phone, a personal digital assistant (PDA), a smart pad, a personal computer, a workstation, a notebook, etc., And transmits the message to the customer terminal 31 or receives the message.

The investment management server 164 is connected to the banking system 10, the insurance company system 20, the credit card company system 30 and the brokerage system 40 to manage the automatic transfer, manage the set up investment amount, , Manages automatic loans, and performs operations such as settlement of interest on loans.

The investment management server 164 connects the financial investment product account and the hybrid account to each other so that the amount transferred to the financial investment product account corresponding to each of the financial investment products is transferred to the hybrid account . The financial investment product account may be opened at a securities company having a securities company system 40. The financial investment product account may be a trust account such as stocks, futures, options, overseas securities, foreign futures, a fund account for the operation of various funds, a bond account for the operation of various bonds, or a trust account for the operation of various trusts have.

The hybrid account may be opened at a card company having a card company system 30, an insurance company having a bank or insurance company system 20 having a bank system 10,

The investment management server 164 establishes and stores investment commitment amount information and investment strategy information from the customer terminal in response to the hybrid account. The investment commitment amount information or the investment strategy information may be extinguished at predetermined intervals and then reset from the customer terminal or may be continuously stored unless there is a change request from the customer terminal. Also, the investment commitment amount information or the investment strategy information may be changed according to the request of the customer terminal. For example, a customer who has secured extra funds can increase the investment commitment amount through the customer terminal, or vice versa. In addition, customers who want to modify their investment strategy by changing the market situation may modify the investment strategy set by the customer through the customer terminal.

The investment management server 164 fetches the investment amount from the hybrid account, and proceeds to invest in the investment object through the brokerage system 40 according to the investment strategy information.

The investment management server 164 performs an operation of transferring the deposit amount to the hybrid account as the withdrawal amount is deposited in the account connected to the investment object after the conditions of the investment recovery are satisfied.

The investment management server 164 performs the operation of repaying the principal of the loan from the amount of money transferred from the hybrid account and calculating the interest of the loan when the investment is completed according to the loan.

As described above, the hybrid account, the investment object, and the investment commitment amount are selected so that the automatic investment can be made at a predetermined time, and when the predetermined time elapses, the investment commitment amount is automatically invested in the investment object in the hybrid account Setting and management of the customer's investment portfolio or asset management can be performed in real time. At this time, the investment commitment amount can be set to be made by the loan when the investment commitment amount is insufficient.

6 is a block diagram illustrating the message push server 162 shown in FIG.

5 and 6, the message push server 162 includes an external agent 1100, a push handler 1200, a key manager 1300, a push manager 1400, and a remote manager 1500 . In this embodiment, the message push server 162 may be equipped with a solution capable of delivering a large amount of messages in real time to a large number of customer terminals in various environments.

The connection method between the message push server 162 and the customer terminal may be connected in a normal mode or an encryption mode. In normal mode, all messages are sent as plain plain text, and in encryption mode, the sender can selectively transmit plain text or encryption. In the message delivery method, the key of the message to be received by the customer terminal is registered in the message push server 162, and the message push server 162 delivers the message to the corresponding customer terminal using the registered key. However, the information required for all the client terminals can be unilaterally transmitted from the message push server 162 without key registration.

The external agent 1100 performs the connection management operation of the customer terminal 31 through the push interface 1110. [ The customer terminal 31 is connected to the push handler 1200 via the push interface 1110 after connection is completed.

The push handler 1200 keeps connection after connection authentication of the customer terminal 31 and is responsible for message transmission / reception.

The key manager 1300 performs a process of registering or deleting a corresponding key in the key table 1310 when a request to delete or register a key is received from the customer terminal 31. [

The push manager 1400 forwards the message to each push handler 1200 to send a message to the customer terminal 31 with the key registered. Here, the message may be classified into a general message, an important message, a reception response message, and the like, and may be transmitted to a specific customer terminal, a specific group, or all customer terminals. The general message may be a message that can be filtered by a frequently generated informative message. The important message may be a message that must be received and processed by the customer terminal 31, such as an individual's transaction details, hybrid account balance information, loan-related information for finishing the investment, and withdrawal deposit information. The reception response message may be a message that the customer terminal 31 should transmit a reception response to the server upon reception.

The remote manager 1500 registers or deletes a key with a remote push server disposed at a remote location. In addition, the remote manager 1500 is responsible for sending and receiving messages to and from the remote push server.

In this embodiment, the message push server 162 may further include a monitoring module 1600. [ The monitoring module 1600 can monitor process information, system resource information, data transmission / reception information, and the like in real time. The monitoring module 1600 transmits the monitoring information to the customer terminal 31 at a predetermined period requested by the customer terminal 31 connected thereto via the monitoring interface 1610. [ The monitoring module 1600 may request the necessary information from time to time at the customer terminal 31 when necessary. Here, the monitoring may include monitoring of system resources such as CPU, memory, monitoring of message transmission / reception information capable of grasping the message processing status of the message push server 162, and monitoring of system failure such as process information.

In this embodiment, the message push server 162 performs the function of delivering the message. For example, the message push server 162 delivers a message to a specific client terminal, delivers a message to a client terminal group, or delivers a message to an entire client terminal.

In addition, the message push server 162 may perform the function of filtering the message. For example, when a large amount of data is generated, all data can be filtered at a predetermined time interval without being transmitted to the customer terminal 31, and can be adjusted according to the processing capability of the network part or the customer terminal 31.

In addition, the message push server 162 may perform a type specifying function of the message. For example, the message transmission type can be classified into a general message, a mandatory message, a response request message, and the like.

Further, it is possible to expand the push server in the message push server 162 in parallel. That is, it is possible to add a push server in parallel to appropriately distribute system resources according to the number of connection customer terminals.

Further, the message push server 162 can be configured to separate the message server and the push server. In other words, it is possible to connect with various servers that generate messages in a parallel manner, and the push server can be separated.

In addition, the message push server 162 may perform a connection restriction function. That is, the IP of the specific customer terminal is registered to restrict the connection.

In addition, the message push server 162 may support encryption. That is, a public key / secret key encryption method for encrypting an important message is basically provided.

The message push server 162 may also perform statistical functions. That is, information such as the number of daily message transmission / reception and the number of transmission failure can be provided. In addition, information such as the number of ACK requests, the number of ACK responses received, and the like can be provided. In addition, in the case of an essential message and an ACK request message, a transmission failure message inquiry function can be provided.

7 is a block diagram illustrating the investment management server 164 shown in FIG.

7, the investment management server 164 includes a financial investment commodity account management unit 210, an investment information storage management unit 220, a balance confirmation unit 230, an investment completion unit 240, an investment progress unit 250 An account transfer unit 260, and a settlement unit 270. [ The investment management server 164 includes a financial investment product account management unit 210, an investment information storage management unit 220, a balance confirmation unit 230, an investment completion unit 240, an investment progress unit 250, The account transfer unit 260, and the settlement unit 270. However, this is logically divided for the sake of convenience of description, but is not limited to hardware.

The financial investment product account management unit 210 transfers the financial investment product account and the hybrid account to each other so as to transfer the deposited amount to the hybrid account when the amount is deposited in the financial investment product account corresponding to each of the financial investment products do. For example, the financial investment product account management unit 210 sends an account connection agreement confirmation message to the customer terminal. The financial investment product account management unit 210 requests a plurality of financial investment product account information to the corresponding customer terminal upon receipt of the agreement message from the corresponding customer terminal. The financial investment product account management unit 210 receives financial investment product account information from the corresponding customer terminal. The financial investment product account management unit 210 creates a hybrid account corresponding to the customer. The financial investment product account management unit 210 links the financial investment product accounts and the hybrid account.

The investment information storage management unit 220 stores the investment commitment amount and the investment strategy from the customer terminal in response to the hybrid account. For example, the investment information storage management unit 220 provides an investment commitment amount selection screen for selecting an investment commitment amount, and stores the selected investment commitment amount as the investment commitment amount is selected on the investment commitment amount selection screen. Meanwhile, the investment information storage management unit 220 provides an investment strategy selection screen for selecting an investment strategy, and stores the selected investment strategy as the investment strategy is selected on the investment strategy selection screen.

The balance checking unit 230 checks the investment commitment amount set in the hybrid account and the account balance of the hybrid account as the investment time passes.

The investment completion unit 240 completes the investment by lending out the difference between the investment commitment amount and the account balance when the account balance of the hybrid account is less than the investment commitment amount. For example, when the account balance is greater than 0, the investment completion unit 240 lends the difference between the account balance and the investment commitment amount, and adds up the loan amount and the account balance to complete the investment. Here, the loan is a kind of plus loan. On the other hand, if the account balance is less than or equal to zero, the investment completion unit 240 lends out the investment commitment amount and completes the investment amount. Here, the loan is a kind of negative loan.

The investment progress unit 250 extracts the investment amount from the hybrid account, and proceeds with the investment based on the investment strategy.

The account transfer unit 260 transfers the amount deposited in the account linked to the investment object to the hybrid account as the withdrawal amount source (or the withdrawal amount) is deposited in the account connected to the investment object.

The settlement unit 270, if the investment is completed according to the loan, the hybrid account repay the principal of the loan from the transferred amount and settle the interest of the loan.

FIG. 8 is a block diagram illustrating the investment information storage management unit 220 shown in FIG.

8, the investment information storage management unit 220 includes investment commitment information DB 2210, investment management unit 2220, investment strategy DB 2230, investment strategy management unit 2240 and investment product management unit 2250 do. The investment information storage management unit 220 includes an investment commitment information DB 2210, an investment management unit 2220, an investment strategy DB 2230, an investment strategy management unit 2240 and an investment product management unit 2250 However, this is logically divided for the sake of convenience of explanation, but is not classified by hardware.

The investment management unit 2220 receives the investment commitment amount information for each customer and stores the information in the investment commitment information DB 2210.

The investment strategy management unit 2240 receives the investment strategy information for each customer and stores the information in the investment strategy DB 2230.

The investment product management unit 2250 provides investment product models so that the customer can select an investment strategy and provides the investment strategy model selected by the customer to the investment strategy management unit 2220 as the investment strategy information per customer do.

The investment product management unit 2250 may include a wrap product management unit 2252, a fund product management unit 2254, and a short-term product management unit 2256.

The wrap product management unit 2252 provides the wrap product models stored in the wrap product model DB 2253 to the customer terminal and selects one wrap product model through the customer terminal to select the wrap product model from the investment strategy management unit 2240, .

The fund product management unit 2254 provides the fund product models stored in the fund product model DB 2255 to the customer terminal, and the fund product model selected according to the selection of one fund product model through the customer terminal, .

The short-term product management unit 2256 provides the short-term product models stored in the short-term product model DB 2257 to the customer terminal, and the short-term product model selected by the short-term product model through the customer terminal, .

9A and 9B are flowcharts illustrating an automatic investment management method using a hybrid account according to an embodiment of the present invention.

Referring to FIGS. 9A and 9B, a hybrid account subscription book containing information for an occasional loan agreement and information for a term loan agreement is received (step S100). In this embodiment, the information for the occasional loan agreement may include occasional loan information and interest rate information of the occasional loan. The information for the periodic loan agreement may include periodic lending date information, periodic loan information, and interest rate information of the periodic loan. The hybrid account subscription book may be provided from a customer terminal owned by a customer corresponding to the client or from a window terminal. When the hybrid account book is provided from the customer terminal, the interest rate information of the occasional loan or the interest rate information of the periodic loan can be authenticated through a separate lending process and written in the hybrid account book. Alternatively, the interest rate information of the occasional loan or the interest rate information of the periodic loan can be separately authenticated for each customer and separately stored in the hybrid bankbook management server 100 (shown in FIG. 1). Accordingly, the interest rate information of the occasional loan may be omitted in the information for the occasional loan agreement included in the hybrid account subscription book provided from the customer terminal, and the interest information of the periodic loan may be omitted in the information for the periodic loan agreement .

Then, in the hybrid account subscription book received in step S100, various types of information such as periodic loan information, periodic loan information, interest rate information of the periodic loan, interest loan information, interest loan information of an arbitrary loan are extracted and stored (step S110) . If the authentication information is processed for each customer and the interest information of the loan at any time or the interest rate information of the periodic loan is separately stored in the hybrid bankbook management server 100 (shown in FIG. 1), the information extracted from the hybrid account book is, Day information, periodic loan information, and occasional loan information.

In step S120, a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a required deposit area to which the equity capital is mapped and a minus balance area to which the occasional loan is mapped is generated. In the present embodiment, the meaning of generating the hybrid account is management for the withdrawal or reimbursement of the occasional loan, deposit / withdrawal of the demand deposit, deposit / withdrawal of the periodic loan, and reimbursement for the customer on the hybrid bankbook management server 100 (shown in FIG. 1) It can mean what can be done. In addition, it may include a form that can be issued to customers in the form of a bankbook or a card.

Then, it is checked whether or not the present day is a regular loan (step S130). In the present embodiment, the present day may mean the business start time of the financial institution during 24 hours a day, the business end time, or may be the time at which the previous time elapses from the business start time.

If it is checked at step S130 that the present day is the regular lending date, the periodic lending is executed and the committed lending money is deposited into the hybrid account (step S140).

As the committed periodic loan is deposited, the deposited periodic loan is mapped to the plus loan area (step S150). The process of depositing in the hybrid account and the process of mapping the periodic loan may be performed at the same time.

In step S130, it is checked whether or not the modification of the periodic loan is requested (step S160) after the present day is not checked as the periodic lending date or step S150 is performed. The modification of the above-mentioned periodic loan may mean a case where the amount of the periodic loan is revised, such as 300,000 won monthly or 700,000 won monthly, if the monthly loan is set at 500,000 won at the time of entering into the hybrid account.

If it is checked in step S160 that the modification of the periodic loan is requested, the periodic loan is corrected (step S170). It is obvious that the above-mentioned periodic loan must be made through a separate customer authentication procedure in order to correct the loan.

In step S160, it is checked whether modification of the periodic loan is requested or whether modification of the periodic loan date is requested after step S170 is performed (step S180). The modification of the periodic lending date may refer to a case where the date of the regular lending date is requested to be modified, such as the second lunar day of the month when the periodic lending date is set as the first day of each month at the time of subscription.

If it is checked in step S180 that the modification of the regular loan date is requested, the regular loan date is modified (step S190). It should be apparent that a separate customer authentication procedure must be performed to correct the above-mentioned periodic lending date.

In step S180, it is checked whether or not the modification of the periodic lending date is requested, or after step S190 is performed, it is checked whether or not a cash withdrawal is requested (step S200).

If it is checked in step S200 that the cash withdrawal is requested, the withdrawal processing is performed according to the balance (step S210).

After the cash withdrawal is not requested in step S200 or step S210 is performed, it is checked whether or not the account transfer is requested (step S220).

If it is checked in step S220 that the account transfer is requested, the account transfer is processed according to the transfer item (step S230).

After it is checked in step S220 that the account transfer is not requested or step S230 is performed, it is checked whether the money is deposited in the hybrid passbook (step S240).

If it is checked in step S240 that the money is deposited in the hybrid passbook, the repayment of the occasional loan is processed and the remainder after the repayment is deposited (step S250). It is obvious that the above-mentioned repayment of the occasional loan is omitted if the occasional loan corresponding to the occasional loan is not made.

After it is checked in step S240 that the money has not been deposited in the hybrid passbook or step S250 is performed, it is checked whether there is a balance display request by the customer (step S260).

If it is checked in step S260 that there is a balance display request, the balance of the hybrid account is confirmed in real time, and a negative balance due to the occasional loan, a periodic loan, and a plus balance according to the demanded deposit are displayed on the display window of the customer terminal (step S270).

In step S260, it is checked that there is no balance display request, or the automatic investment management process is performed after performing the operation in step S270 (step S280), and then the process is fed back to step S130 in which it is checked whether or not the current day is a regular loan. The above-described automatic investment management process will be described later in detail with reference to FIGS. 14A and 14B.

In this embodiment, the process of correcting the periodic loan and the process of correcting the periodic loan may be omitted depending on the financial institution that generates the hybrid account. In other words, it can be managed so that the periodic loan and the periodic lending date written when the hybrid account is opened for the first time can not be modified.

FIGS. 10A and 10B are views showing an example of a customer terminal displaying the negative balance and the positive balance shown in FIG. 9B. In the present embodiment, as an example, it is set as 6,000,000 won as a negative money source, and 2,000,000 won as a monthly loan is committed as a regular loan to generate a regular loan. In addition, for convenience of explanation, the explanation of the interest deduction due to the use of the occasional loan, the interest deduction due to the use of the periodic loan, and the summation of the interest accruing due to the demand deposit is omitted.

Referring to FIG. 10A, a monthly negative balance and a positive balance are displayed together. For example, in May, it was confirmed that no on-time lending was used, the regular loan amounted to 2 million won, and the demand deposit amounted to 4 million won. As a result, it can be seen that the total amount of secured funds was 6 million Yuan and preliminarily secured funds were 6 million Yuan, totaling 12 million Yuan.

In June, it was not used anytime loans but it was confirmed that 4 million won was used, 2 million won in regular loans, and 2 million won in deposits. Accordingly, it can be seen that the total amount of secured funds was 4 million Yuan, and the amount of preliminarily secured funds was 6 million Yuan.

In July, 6 million won of the funds were used, so that both the periodic loan and the demand deposit were exhausted and the loan of 2 million won was used as an occasional loan. As a result, it can be seen that the amount of secured funds was 0 won and the amount of funds secured preliminarily was 4 million won.

* In August, 2 million won was used as the periodic loan for August, and 3 million won was used as an occasional loan. As a result, it can be seen that the secured funds were 0 won and the preliminarily secured funds were 3 million won, totaling 3 million won.

In September, it was confirmed that no on-time lending was used, the regular loan amounted to 2 million won, and the demand deposit amounted to 5 million won. In other words, it can be confirmed that 6 million won used as an occasional loan, 5 million won as demand deposit, and 2 million won deposited as September deposit. Accordingly, it can be seen that the total amount of secured funds was 7 million Yuan and the amount of preliminarily secured funds was 6 million Yuan, totaling 13 million Yuan.

In October, it can be confirmed that no on-time lending is available, and regular loan of 2 million won and demand deposit of 1 million won exist in the plus balance. Accordingly, it can be seen that the total amount of secured funds was 3 million Yuan, and the amount of preliminarily secured funds was 6 million Yuan.

In November, we can confirm that there is a one-time loan at KRW 1 million and a demand deposit of KRW 0 at the balance. As a result, it can be seen that a total of 7 million won was available, with a secured fund of 1 million won and a reserve fund of 6 million won.

Referring to FIG. 10B, a negative balance and a positive balance are displayed together in November. For example, on November 1, it can be seen that the regular loan of 2 million Yuan and the demand deposit of 6 million Yuan are in the plus balance and the occasional loan of 6 million Yuan is in the negative balance. As a result, the secured funds are 8 million Yuan, and the secured funds are 6 million Yuan, totaling 12 million Yuan.

On November 6, we can see that the remaining balance of 4 million won has been exhausted based on the balance of November 1. Accordingly, the secured funds are 4 million Yuan, and the secured funds are 6 million Yuan, which means that a total of 10 million Yuan can be used as the available funds.

Also, on November 11, we can see that 2 million won has been exhausted from the balance in November based on the balance of November 6. Accordingly, the amount of secured funds is 2 million Yuan, and the amount of preliminarily secured funds is 6 million Yuan, which means that a total of 8 million Yuan can be used as the available funds.

Also, on November 16, we can see that 2 million won has been exhausted from the balance of November based on the balance of November 11. Accordingly, the secured funds are 0 won, and the secured funds are 6 million won, which means that a total of 6 million won can be utilized as the available funds.

On November 21, we can see that the negative balance of 4 million won has been exhausted based on the balance of November 16. As a result, it can be seen that 2 million won of the preliminarily secured funds can be used as available funds.

Also, on November 26, it is confirmed that 10 million won was deposited based on the balance of November 21. As a result, 4 million won is repaid as a negative loan, and 6 million won is deposited as a demand deposit, which means that a total of 12 million won can be used as an available money. The interest due to the negative loan can be calculated and deducted when the depositing process of 10 million Yuan is carried out. However, in the present embodiment, the deduction of interest is omitted for convenience of explanation.

Also, on November 30, the balance of November 26 has been exhausted by 6 million won. As a result, it can be seen that 6 million won of the preliminarily secured funds can be used as available funds.

As described above, the customer can confirm the current balance of the hybrid account as well as the negative balance in the form of a graph through the customer terminal possessed by the customer, thereby making it possible to design the customer's own fund situation more easily.

FIG. 11 is a flowchart for explaining the withdrawal processing step according to the balance shown in FIG. 9B.

Referring to Figures 9A-11, the balance plus the withdrawal request amount is compared (step S510). Although not separately shown, it is apparent that a separate authentication operation is performed before comparing the balance to the withdrawal request amount. For example, when a cash withdrawal is requested through an ATM device or the like, a password input is requested and an authentication operation can be performed based on the input password.

If it is checked in step S510 that the plus balance is larger than the withdrawal request amount, withdrawal of the withdrawal amount is permitted in the positive balance (step S520).

If it is checked in step S510 that the plus balance is not greater than the withdrawal request amount, it is checked whether the plus balance is equal to or larger than 0 yen (step S530).

If it is checked in step S530 that the positive balance is larger than 0 yen, the full withdrawal is permitted in the positive balance (step S540).

Subsequently, after the withdrawal of the difference amount is permitted in the negative balance (step S550), step S160 is performed.

If it is determined in step S530 that the plus balance is not greater than 0 yen, after the withdrawal of the withdrawal request amount is permitted in the negative balance (step S560), step S160 is performed.

FIG. 12 is a flowchart for explaining the account transfer processing step according to the transfer item shown in FIG. 9B.

Referring to FIGS. 9A and 12, it is checked whether it is a money transfer request according to an operation of a customer (step S710).

If it is checked in step S710 that the request for account transfer according to the operation of the customer is satisfied, the customer authentication procedure is performed (step S715). Here, the customer authentication procedure may be performed in such a manner that the password is written when the account transfer is performed through the ATM device. On the other hand, when account transfer is performed by Internet banking or the like, an ID and a password may be written.

Next, the minus balance area and the plus balance area of the hybrid account are confirmed (step S720).

On the other hand, if it is checked in step S710 that the account transfer according to the customer's operation is not requested, it is checked whether or not the current day is the automatic account transfer date (step S730).

If the automatic account transfer date is checked in step S730, the transfer item is confirmed (step S735), and then step S720 is performed in which the negative balance area and the positive balance area of the hybrid account are confirmed.

Following step S720, it is checked whether the plus balance is greater than the transfer amount (step S740).

If it is determined in step S740 that the plus balance is larger than the transfer amount, the amount of the transfer item is transferred to the account (step S745).

If it is checked in step S740 that the plus balance is not larger than the transfer amount, it is checked whether or not the transfer item is the cost of living (step S750). In this embodiment, the living expenses may include financial interest groups and utility bills. Financial interest groups can include home loans, interest on credit, and credit card payments. The utility bill group may include the national pension, electricity, telecommunication, water, and CMS.

If the transfer item is checked as the cost of living in step S750, the amount is withdrawn from the negative balance and transferred to the account (step S755).

If it is determined in step S750 that the transfer item is not checked for the cost of living, it is checked whether or not the transfer item is spare money (step S760). In this embodiment, the extra funds may include parents' allowance, various school expenses, etc. as spare funds group.

If the transfer item is checked as spare funds in step S760, the money is withdrawn from the negative balance and transferred to the account (step S765).

If the transfer item is not checked as extra money in step S760, whether the transfer item is an investment or not is checked (step S770). In this embodiment, the investment money may include savings, beneficiary certificates, funds, etc. as a financial contribution group.

If the transfer item is not checked in step S770, the flow returns to step S180. If the transfer item is checked in step S770, the money is withdrawn from the balance and transferred to the account (step S775).

FIG. 13 is a flowchart for explaining the default loan repayment and deposit processing steps shown in FIG. 9B.

Referring to Figs. 4A to 13, it is checked whether or not an occasional loan has occurred (step S910).

If it is checked in step S910 that the on-time lending has occurred, interest based on the on-time lending is calculated (step S920). The interest accrued on the occasional loan will be calculated on the basis of the periodic loan and the period from the date of execution of the loan at any time until the date of repayment.

The principal and interest due to the occasional loan are deposited in the negative balance (step S930). Here, the deposit amount may be larger or smaller than the original loan amount.

Subsequently, it is checked whether or not the occasional loan is completely paid (step S940).

If it is checked in step S940 that the on-time lending has not been fully processed, the on-demand lending is processed on an occasional basis (step S950), and then fed back to step S200.

If it is checked in step S940 that the on-demand loan has been fully discharged, it is checked whether or not the remaining amount exists in the deposited money (step S960).

If it is checked in step S960 that the remaining amount exists in the deposited amount, the remaining amount is deposited in the positive balance (step S970), and then fed back to step S200.

On the other hand, if it is checked in step S910 that the on-time loan does not exist, the deposit amount is deposited in the plus balance (step S980), and then fed back to step S200.

14A and 14B are flowcharts for explaining the automatic investment management step shown in FIG. 9B.

Referring to FIGS. 14A and 14B, one or more financial investment product accounts and hybrid accounts are linked to accounts (step S1100). In this embodiment, the financial investment product account is used for managing trust accounts such as stocks, futures, options, overseas securities, overseas futures, fund accounts for the operation of various funds, account accounts for the operation of various bonds, Trust account. The investment withdrawal account may also be a CMA account.

The account connection between the financial investment product account and the hybrid account can be made by the financial investment product account management unit 210 (shown in FIG. 7). In this embodiment, the meaning of connecting the financial investment product account and the hybrid account means that the investment commitment set by the customer is automatically transferred from the financial investment product account to the hybrid account, and the returned investment money is deposited in the financial investment product account If a borrower accrues the investment commitment, it means that the interest on the loan has been transferred from the financial investment account to the hybrid account.

Then, various screens are provided so that the user can select the investment commitment amount and the investment strategy at the customer terminal, and the selected investment commitment amount and investment strategy are selected at the customer terminal, and the selected investment commitment amount and investment strategy are stored (step S1200 ). In this embodiment, the investment strategy can be set in various ways, and the customer can select the investment strategy designed or set according to his / her situation. For example, the investment strategy can be set at 30% for stock direct investment, 40% for bond fund investment, and 30% for short term investment such as RP or MMF. The investment commitment amount and investment strategy may be stored by the investment information storage management unit 220 (shown in FIG. 7).

Then, it is checked whether or not the investment time has passed (step S1300). The investment time may be set by the customer at the end of the month, or may be set to a specific day of each month. The check of whether or not the investment time has passed may be performed by the balance checking unit 230 (shown in FIG. 7).

If it is checked in step S1300 that the investment time has passed, the account balance of the hybrid account is confirmed (step S1400). The account balance of the hybrid account can be checked by the balance check unit 230.

In step S1400, it is checked whether the investment commitment amount is larger than the account balance of the hybrid account (step S1500). The balance between the investment amount and the account balance may be determined by the balance checking unit 230.

If it is determined in step S1500 that the investment commitment amount is smaller than the account balance of the hybrid account, the amount of the account balance is defined as the investment amount (step S1600).

If it is determined in step S1500 that the investment commitment amount is larger than the account balance of the hybrid account, the investment is completed through the loan (step S1700). The completion of the investment can be accomplished by the investment completion unit 240 (shown in FIG. 7).

Then, the investment is invested in the investment target (step S1800). The operation of investing the investment money in the investment object can be performed by the investment progress unit 250 (shown in FIG. 7).

Then, it is checked whether or not the investment recovery condition is satisfied (step S1900).

If it is determined in step S1900 that the investment recovery condition is satisfied, the investment is recovered (step S2000).

Then, it is checked whether or not the money has been deposited in the financial investment product account (step S2100).

If it is checked in step S2100 that the money has been deposited into the financial investment product account, the deposited money is transferred to the hybrid account (step S2200). The operation of transferring the collection money to the hybrid account can be performed by the account transfer unit 260 (shown in FIG. 7).

Then, it is checked whether or not the investment has been completed through the loan (step S2300). The operation of checking whether or not the investment is completed through the above-mentioned loan can be performed by the settlement unit 270 (shown in FIG. 7).

If it is determined in step S2300 that the investment has been completed through the loan, the principal of the loan is repaid and the interest of the loan is settled (step S2400). Here, the meaning of the settlement of the loan interest may mean that the interest is calculated on the basis of the loan period and the interest rate on the loan principal, and the interest on the loan is paid through the account transfer to the corresponding source.

Then, it is checked whether or not the investment agreement cancellation is requested from the customer terminal (step S2500). The settlement may be made by the settlement unit 270 or may be performed by the financial investment product account management unit 210 or the investment information storage management unit 220. Or a separate canceling unit may be provided so that the canceling operation may be performed through the corresponding canceling unit.

If it is checked in step S2500 that the investment agreement cancellation is requested from the customer terminal, the investment agreement is canceled (step S2600). Here, the termination of the investment agreement means that when the amount is deposited in the financial investment product account corresponding to each of the financial investment products, the operation can be such that the investment commitment amount defined in the investment agreement can not be transferred to the hybrid account.

On the other hand, if it is checked in step S2500 that the investment agreement cancellation is not requested from the customer terminal, the flow returns to step S1200.

FIG. 15 is a flowchart for explaining a step of connecting an account of the financial investment product shown in FIG. 14A and a hybrid account.

Referring to FIG. 15, an account connection agreement confirmation message is sent to the customer terminal (step S3102). For example, the financial investment product account management unit 210 (shown in FIG. 7) sends an account connection agreement confirmation message to the customer terminal through the message push server 162 (shown in FIG. 5).

Then, it is checked whether or not an account connection agreement message is received from the corresponding customer terminal (step S3104). For example, the financial investment goods account management unit 210 checks whether the account connection agreement confirmation message is received from the customer terminal through the message push server 162. [

If it is checked in step S3104 that the account connection agreement message is received, the financial investment product account information is requested to the customer terminal (step S3106). For example, the financial investment product account management unit 210 requests financial investment product account information from the customer terminal through the message push server 162.

Then, the financial investment product account information is received from the customer terminal (step S3108).

Then, a hybrid account corresponding to the customer is created (step S3110).

After the financial investment product accounts and the hybrid account are connected (step S3112), the flow returns to step S1200. The meaning of the connection between the financial investment account and the hybrid account means that the investment commitment set by the customer is automatically transferred from the account of the financial investment product to the hybrid account and as the money is transferred to the financial investment account, Means that the interest on the loan has been set aside from the financial investment product account to the hybrid account when the loan is completed. The account connection between the financial investment product account and the hybrid account can be made by the financial investment product account management unit 210 (shown in FIG. 7).

FIG. 16 is a flowchart for explaining a step of storing the investment commitment amount and the investment strategy shown in FIG. 14A.

Referring to FIG. 16, a screen for selecting an investment commitment amount is provided to a customer terminal (step S3202).

Then, it is checked whether the investment commitment amount is selected through the customer terminal (step S3204).

If it is checked in step S3204 that the investment commitment amount is selected, the selected investment commitment amount is stored (step S3206). The investment commitment amount may be stored by the investment information storage management unit 220 (shown in FIG. 7).

Then, a screen for selecting an investment strategy is provided to the customer terminal (step S3208). The operation of providing the screen for selecting the investment strategy to the customer terminal may be an operation of providing the investment information storage management unit 220 (shown in FIG. 7) to the customer terminal through the message push server 162.

Next, it is checked whether or not the investment strategy is selected through the customer terminal (step S3210). If it is checked in step S3210 that the investment strategy is selected, the selected investment strategy is stored (step S3212).

8) stored in the wrap product model DB 2253 via the wrap product management unit 2252 of the investment product management unit 2250 (shown in FIG. 8), for example, the investment strategy management unit 2240 To the customer terminal, and then stores the specific wrap product model selected by the customer through the customer terminal in the investment strategy DB 2230 (shown in FIG. 8).

The investment strategy management unit 2240 retrieves the fund product models stored in the fund product model DB 2255 through the fund product management unit 2254 of the investment product management unit 2250 and provides the fund product models to the customer terminal, And stores the selected specific wrap commodity model in the investment strategy DB 2230.

In addition, the investment strategy management unit 2240 retrieves the fund product models stored in the short-term product model DB 2257 through the short-term product management unit 2256 of the investment product management unit 2250 and provides the funds to the customer terminal through the customer terminal, The selected short-term product model can be stored in the investment strategy DB 2230.

FIG. 17 is a flowchart for explaining the step of finishing the investment through the loan shown in FIG. 14A.

Referring to FIG. 17, it is checked whether or not the balance is larger than 0 yen (step S3302). The above-mentioned balance comparison can be made by the investment completion unit 240 (shown in FIG. 7).

If it is checked in step S3302 that the balance is larger than 0 yen, the difference between the investment liquid amount and the balance is calculated (step S3304). The difference calculation may be performed by the investment completion unit 240.

Next, the difference is referred to as a loan, and the loan destination to which the lowest interest rate is applied is confirmed (step S3306). The above-mentioned confirmation of the origin can be made by the investment completion unit 240.

Subsequently, a loan is requested to a large source to which the lowest interest rate is applied (step S3308). The above loan request may be made by the investment completion unit 240.

Then, whether or not the loan is deposited is checked (step S3310). The loan deposit check may be performed by the investment completion unit 240.

If it is checked in step S3310 that the loan has been deposited, the loan and the balance are summed up and defined as an investment (step S3312). The above-mentioned investment definition can be made by the investment completion unit 240.

On the other hand, if it is checked in step S3302 that the balance is less than or equal to 0 yen, the loan amount to which the lowest interest rate is applied is confirmed as the investment commitment amount (step S3314). The above-mentioned minimum interest rate applied confirmation can be made by the investment completion unit 240.

Subsequently, the loan is requested to a large source to which the lowest interest rate is applied (step S3316). The above loan request may be made by the investment completion unit 240.

Then, it is checked whether or not the loan is deposited (step S3318). The deposit confirmation of the above-mentioned loan can be made by the investment completion unit 240.

If it is checked in step S3318 that the loan has been deposited, the loan is defined as an investment (step S3320). The above-mentioned investment definition can be made by the investment completion unit 240.

18 is a flowchart for explaining the step of repayment of the principal of the loan and the interest settlement of interest shown in FIG. 14B.

Referring to FIG. 18, the interest based on the principal of the loan is calculated, and the amount of the redeemed money (or the redeemable amount) is calculated (step S2410). The interest calculation and the reimbursement source calculation described above may be performed by the settlement unit 270 (shown in FIG. 7).

Then, the collection amount and the repayment amount are compared (step S2420). The return is variable depending on the outcome of the investment, which may be larger or smaller than the investment. The comparison between the above-mentioned collection amount and the reimbursement amount may be made by the settlement unit 270.

If it is determined in step S2420 that the return amount is equal to or greater than the reimbursement amount, the reimbursement amount is redeemed to the major source (step S2430), and the reimbursement amount after deducting the reimbursement amount is defined as the account remainder of the hybrid account (step S2440). The above-mentioned redemption processing and account balance definition can be performed by the settlement unit 270. [

If it is determined in step S2420 that the recovery amount is smaller than the reimbursement amount, the recovery amount is redeemed to the source (step S2450), and the difference between the reimbursement amount and the reimbursement amount is processed (step S2460). At this time, the account balance of the hybrid account is 0 yen. The above-mentioned redemption processing may be performed by the settlement unit 270, and the above-mentioned lending processing may be performed by the investment completion unit 240. [

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. You will understand.

As described above, according to the present invention, it is possible to use the amount (periodic loan) secured on a specific day on a regular basis, for example, on a monthly basis, thereby providing convenience to the customer can do. For example, if a customer has know-how in investing in a financial instrument, the client may invest the money in a financial instrument that can expect higher returns than the regular loan rate.

In addition, since banks issue regular loans on a regular basis, stable loan performance can be expected. For example, regularly, for example, a loan executed and executed on a specific day of each month may be linked to a financial product investment by the customer again. Therefore, not only the performance due to the regular loan but also the financial product investment You can expect.

In addition, a financial investment is made through a single hybrid account in which a plurality of financial investment account accounts are connected, and a circulation process of automatically transferring the collected money back to the hybrid account as the money is deposited in the financial investment account accounts, You can set up and manage your investment portfolio or asset management in real time.

10: Banking system 20: Insurance company system
30: Card issuer system 40: Securities company system
31: customer terminal 32:
100: Hybrid bankbook management server 110: Local interface unit
115: I / O interface unit 120:
130: Hybrid account generation unit 140: Periodic loan execution unit
150: Cash withdrawal processing unit 160:
170: Occasional loan repayment processor 180: Periodic loan repayment processor
200: electronic document server 250: electronic document DB
300: DBMS 400: Banking server
162: Message Push Server 164: Investment Management Server
1100: External agent 1200: Push handler
1300: Key Manager 1400: Push Manager
1500: remote manager 1110: push interface
1310: Key table 1600: Monitoring module
1610: Monitoring interface 210: Financial investment goods account management section
220: Investment information storage management part 2210: Investment commitment information DB
2220: Investment Management Department 2230: Investment Strategy DB
2240: Investment Strategy Management Department 2250: Investment Product Management Department
2252: a wrap product management unit 2254: a fund product management unit
2256: Short-term product management unit 230: Balance confirmation unit
240: Investment completion part 250: Investment progress part
260: Money transfer part 270: Settlement part

Claims (5)

Receiving a hybrid account subscription book that includes information for an occasional lending arrangement and information for a periodic lending arrangement;
Extracting and storing periodic lending date information, periodic lending information, interest rate information of the periodic loan, occasional loan information, and interest rate information of the occasional loan in the hybrid account subscription book;
Generating a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a demand deposit area to which the equity capital is mapped and a minus balance area to which the occasional loan is mapped;
Performing a periodic loan and depositing the committed periodic loan as the period of the periodic loan arrives;
Mapping the deposited periodic loan to the plus loan area as the committed periodic loan is deposited;
Calculating the interest of the periodic loan and deducting the calculated interest from the periodic loan to be deposited after the period of the subsequent periodic loan; And
A plurality of financial investment account accounts are connected to the hybrid account to conduct a financial investment through the hybrid account, and the collection money is automatically transferred again to the hybrid account as the return money collected after the investment is deposited in the financial investment account accounts Managing an automatic investment through a recurring process,
Wherein managing the automated investment comprises:
Linking the financial investment product account corresponding to each of the financial investment products and the hybrid account to each other;
Setting and storing investment plan information for each investment product from a customer terminal corresponding to the hybrid account;
Comparing the investment commitment amount set in the hybrid account and the account balance of the hybrid account after the investment plan information for each investment product is stored;
If the account balance is greater than or equal to the investment commitment amount, extracting an amount corresponding to the investment commitment amount from the account balance to define the investment amount; And
Completing the investment through the loan if the account balance is less than the investment commitment amount;
Extracting the investment amount from the hybrid account and transferring the investment amount to the financial investment product account according to the investment plan information to execute investment in the financial investment product; And
And transferring the deposit amount to the hybrid account as the withdrawal amount is deposited in the financial investment product account after the investment recovery condition is satisfied,
The step of finishing the investment through the loan includes:
If the account balance is greater than 0, lending a difference between the account balance and the investment commitment amount, and summing the loan amount and the account balance to complete the investment; And
And if the account balance is less than or equal to 0, finishing the investment commitment by lending the investment commitment amount to the investment account. 2. The method as claimed in claim 1, wherein the step of connecting the financial investment product account and the hybrid account to each other comprises:
Sending an account connection agreement confirmation message to the customer terminal;
Requesting a customer terminal for a plurality of financial investment product account information as an agreement message is received from the customer terminal;
Receiving financial investment product account information from the customer terminal;
Generating a hybrid account corresponding to the customer; And
And connecting the hybrid investment account with the hybrid investment account. The method according to claim 1, wherein the step of setting and storing investment plan information for each investment product comprises:
Providing an investment commitment amount selection screen for selecting an investment commitment amount;
Storing the selected investment commitment amount as the investment commitment amount is selected on the investment commitment amount selection screen;
Providing an investment strategy selection screen for selecting an investment strategy; And
And storing the selected investment strategy information as the investment strategy information is selected on the investment strategy selection screen. An account subscription record receiving unit for receiving a hybrid account subscription record including a periodic lending date, a periodic loan, an interest rate of a periodic loan, an occasional loan, and an interest rate of an occasional loan;
A hybrid account creating unit for creating a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a required deposit area to which the capital is mapped and a minus balance area to which the frequent loan is mapped;
A periodic loan execution unit for executing the periodic loan and depositing the committed periodic loan as the period of the periodic loan arrives;
A loan money mapping unit for mapping the deposited periodic loan to the plus loan area as the committed periodic loan is deposited; And
A plurality of financial investment account accounts are connected to the hybrid account to conduct a financial investment through the hybrid account, and a circulation process of automatically transferring the collected savings to the hybrid account as they are deposited in the financial investment account accounts Including an ongoing automated investment management department,
Wherein the automatic investment management unit includes an investment management server including an investment information storage management unit,
The investment information storage management unit,
An investment commitment information database for storing investment commitment information;
An investment management unit for receiving the investment commitment amount information for each customer and storing the information in the investment commitment information DB;
An investment strategy DB for storing investment strategy information; And
And an investment strategy management unit for receiving investment strategy information for each customer and storing the investment strategy information in the investment strategy DB. 5. The method according to claim 4, wherein the investment information storage management unit provides investment product models so that the investment strategy can be selected through the customer terminal, and selects the investment strategy model selected as the investment strategy model is selected through the customer terminal, And an investment product management unit for providing the information to the investment strategy management unit as information,
The investment goods management unit
A wrap product management unit for providing wrap product models stored in the wrap product model DB to the customer terminal and providing the selected wrap product model to the investment strategy management unit as a single wrap product model is selected through the customer terminal;
A fund product management unit for providing fund product models stored in the fund product model DB to the customer terminal and providing the selected fund product model to the investment strategy management unit as a single fund product model is selected through the customer terminal; And
And a short-term commodity management unit for providing the short-term commodity models stored in the short-term commodity model DB to the customer terminal and providing the selected commodity model to the investment strategy management unit by selecting one fund commodity model through the customer terminal Automated investment management system using hybrid account.

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