The present invention provides a financial product purchase method, which requests an account transfer for an amount of at least a difference additionally required to purchase a financial product in a stock firm server when balance of a stock firm account of an investor is checked to be smaller than a price of an investment product if a purchase of the investment product is requested from the investor, adds a value corresponding to the difference to a value of a payment request amount field for the investor provided in an accounting processing database accessible by the stock firm server when a transfer result message indicating a successful transfer of the difference is received from a different financial institution server to update the value of the payment request amount field, and performs a process to purchase the investment product if the sum of the balance of the stock firm account and an amount corresponding to the value of the payment request amount field is higher than or equal to the price of the investment product.
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