KR101487098B1 - Apparatus and method for managing financial account having plural passwords in an account - Google Patents

Abstract

The present invention relates to a device and a method for managing a financial account to manage one financial account set by multiple passwords, more particularly, to a device and a method for minimizing unplanned expenditure by processing financial transactions within set spending limits and managing a financial account by linking the processed transactions with a household account book after setting multiple passwords for the single private financial account and setting different spending limits for each of the multiple passwords.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a financial account management apparatus and method for managing a single financial account in which a plurality of passwords are set.

The present invention relates to a financial account management apparatus and method for managing a single financial account in which a plurality of passwords are set. More particularly, the present invention relates to a system and method for setting a plurality of passwords for one financial account, A financial account management device that can process a plurality of financial transactions within a transaction limit differentiated by a plurality of users for one account and manages the financial account by linking the processed financial transaction details with the household account application, ≪ / RTI >

In general, household consumption management is managed by separate accounts for each use related to food and family allowances. These kinds of accounts can be opened separately by family members, and representatives responsible for finances of the family mainly need to manage the finances of the family by collecting the financial transaction details of the members of the family through the account for the use, It is troublesome to check transaction history.

Generally, when an account is opened through a financial institution, only one person who opens the account can set a single password, and can perform a financial transaction using the set password. At this time, if the password of the opened account is stolen by another person other than the person himself / herself, there is a problem that an accident that a large amount of money is withdrawn by someone else unintentionally may occur.

On the other hand, if a plurality of users can use a financial account without limitation on the transaction limit, there is a problem that a plurality of users are likely to consume the amount of money in the financial account indiscriminately.

 SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a system and a method for setting a plurality of passwords for one personal financial account, setting differentiated transaction limits corresponding to a plurality of passwords, And managing the financial account by linking the processed transaction details with the household account application, thereby minimizing the unneeded consumption.

According to an aspect of the present invention, there is provided a financial account management apparatus for managing a single financial account in which a plurality of passwords are set according to an embodiment of the present invention, the apparatus comprising: a communication interface unit transmitting and receiving information to and from a terminal; A database unit in which a plurality of passwords are stored in association with one financial account number, and a transaction limit for each password is designated and stored; An account management unit for inquiring the password included in the financial transaction request signal and the transaction limit from the database unit when the financial transaction request signal is received from the communication interface, A transaction processing unit for processing the financial transaction requested in the financial transaction request signal according to the determination result by the account management unit; An account unit interlocking unit for executing a household account application associated with the financial transaction information processed by the transaction processing unit; And a household part management part for generating a household part table field while the household part application is activated by the household part interlocking part, recording financial transaction information in the generated field, and managing the financial transaction information.

According to an embodiment of the present invention, there is provided a financial account management method for managing a single financial account with a plurality of passwords, the method comprising: receiving a financial transaction request signal from a terminal; Checks the account number, the password, the transaction limit, the transaction type, and the transaction amount included in the received financial transaction request signal, and confirms whether the password is the main password associated with the account number or the additional password dependent on the main password ; Determining whether a transaction is possible by checking whether the transaction amount is less than the transaction limit of the password if the password is an additional password dependent on the main password without confirming the transaction limit when the password is the main password; Processing the requested financial transaction in the received financial transaction request signal if it is determined that the transaction is possible; Activating a household part application when financial transaction information is generated by the financial transaction processing; And recording the financial transaction information in the household table field through the household budget application.

According to the present invention, it is possible to set a plurality of passwords for one bankbook and to set a payment limit for each user corresponding to the plurality of passwords set. Therefore, each user corresponding to a plurality of passwords has an effect of preventing consumption indiscriminately because the consumption is limited within the settlement limit.

In addition, since the transaction history of a single financial account with a plurality of passwords is set and linked with the household account application, the details of the financial transaction by each user can be visually confirmed, thereby financially managing the financial transaction.

FIG. 1 is a diagram schematically illustrating a configuration of a financial account management providing system for managing a single financial account in which a plurality of passwords are set according to an embodiment of the present invention.
2 is a diagram schematically illustrating a configuration of a financial server for providing a financial account management service according to an embodiment of the present invention.
FIG. 3 is a table showing detailed information such as a plurality of passwords and transaction limits corresponding to registered account numbers according to an embodiment of the present invention.
4 is a flowchart illustrating a method of providing a financial account management service according to an exemplary embodiment of the present invention.
FIG. 5 is a flowchart illustrating a method for determining whether or not a transaction can be performed in FIG. 4 in detail.
FIG. 6 is an exemplary diagram illustrating a screen configuration in which a plurality of financial transaction details for each user on a financial server according to an exemplary embodiment of the present invention is applied in connection with a household application.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

FIG. 1 is a diagram schematically illustrating a configuration of a financial account management providing system for managing a single financial account in which a plurality of passwords are set according to an embodiment of the present invention.

The financial account management service providing system according to an embodiment of the present invention can be implemented by interconnecting the terminal 100 and the financial server 200 through a communication network.

For example, the communication network may be a wired or wireless network, or may be a mobile communication network of various generations such as 2G, 3G, 4G, WiBro, WiMax, and LTE.

The terminal 100 may include a smart phone, a PC, a notebook, a tablet PC, or the like as a portable terminal or a staff terminal installed at a window.

In particular, the terminal 100 according to an exemplary embodiment of the present invention performs financial transactions using a random number among a plurality of passwords registered in the financial server 200 before requesting a financial transaction. A different transaction limit for each password input by the terminal 100 is registered in the financial server 200 in advance. The plurality of passwords are divided and registered into a main password corresponding to the representative user and an additional password corresponding to the member excluding the representative user. Here, the main password can be set by the representative user having the highest account management authority.

For example, in the case where the user is a family member, the mother having the highest account management right for managing the family finances can set the main password, and the rest of the family members other than the mother Can be set. In some cases, the mother who corresponds to the main password can differently set the additional password corresponding to the family member, and inform the family member of the set password.

That is, the mother who is the representative user is given the right to set and change the transaction limit of the additional password through inputting the main password to the terminal 100. [ That is, the user corresponding to the main password is not limited by the setting of the transaction limit of the additional password and the change of the transaction limit, and the registration of the user alias, the transaction limit, the usage range, And changes are possible.

Such password registration may be performed by a representative user who manages family finance in advance by directly visiting a branch office of a financial institution or by accessing a web page provided by a server of the financial institution.

The financial server 200 according to an exemplary embodiment of the present invention receives a financial transaction request signal from the terminal 100 and requests authentication of the terminal 100 for financial transaction approval. In this case, the authentication for financial transaction approval is performed by comparing the user authentication information pre-stored in the financial server 200 with the user authentication information input from the terminal 100.

The user authentication information is user unique identification information, which may be a password set by the user according to an embodiment of the present invention. For example, the password may be a combination of a general number, a number, a character, a symbol, or the like, and may be set through biometrics, that is, a fingerprint or the like.

When the validity of the user authentication information input from the terminal 100 is confirmed, the financial server 200 grants a right to perform a financial transaction to the user, and the transaction of the user corresponding to the password registered from the terminal 100 And provides a financial transaction service to the terminal 100 within the transaction limit.

To this end, the financial server 200 registers user authentication information in advance. That is, the financial server 200 requests the terminal 100 to input a user alias, a transaction limit, and a usage range. Here, the transaction limit means the maximum amount that can be used in a financial transaction, and the use range means a financial service item and authority that a user can receive.

According to an embodiment of the present invention, for example, a mother sets a main password, and a mother can use the entire item of financial service, but restricts a financial service item to a family member other than a mother who has been given an additional password You can set it to.

Meanwhile, the financial server 200 may set the validity period in which the password is used differently in correspondence with each of the plurality of passwords, if the validity period expires, To request a new password registration.

The financial server 200 stores and manages the password, the transaction limit, the use range, and the valid period inputted from the terminal 100 in association with the user information in the database unit. Based on the information stored in the financial server 200, the financial server 200 can determine whether the user can perform financial transactions for each user.

The financial server 200 according to an exemplary embodiment of the present invention performs financial transaction processing according to a financial transaction request received through the terminal 100, And if the financial transaction information is newly generated for the user's financial transaction information, the household application can be activated to newly record the financial transaction information in the household table field.

2 is a diagram schematically illustrating a configuration of a financial server for providing a financial account management service according to an embodiment of the present invention.

The financial account management apparatus includes a control unit 210, a communication interface unit 220, an account management unit 230, a database management unit 230, A transaction processing unit 250, a household unit interworking unit 260, and a household budget managing unit 270. [

The control unit 210 controls the overall operation of each component of the financial server 200. Upon receipt of the financial transaction request signal from the terminal through the communication interface unit 220, the transaction management unit 230 interlocks with the database unit 240 to determine whether the transaction can be performed according to the transaction request included in the financial transaction request signal And if it is determined that the transaction is possible, the transaction management unit 230 and the database unit 240 interlock with each other to perform transaction processing according to the transaction request information included in the financial transaction request signal. In addition, after performing the transaction processing as described above, the control unit 210 controls the transaction processing unit 250, the account unit interworking unit 260, the household account management unit 270, and so on so that the financial transaction information, The transaction unit 250, the account unit interlock unit 260, and the account unit management unit 270 so as to be interlocked with each other.

The communication interface unit 220 transmits and receives information inputted from a terminal requesting a financial transaction to a financial account.

When the financial transaction request signal is received from the communication interface unit 220, the account management unit 230 inquires of the database unit 240 about the password included in the financial transaction request signal and the transaction limit, and determines whether the transaction is possible.

To this end, the account management unit 230 registers a password for a plurality of users for one financial account stored in the database unit 240 in cooperation with the database unit 240 in which one financial account is stored in association with each other , Sets a range of use and a transaction limit for each registered password, and performs management for correcting or deleting the password, the use range for each password, and the transaction limit.

For example, in the case of a password in which the expiration date is set for a plurality of passwords, if the expiration date of the expiration date expires, the password is deleted from the database, or when the password is requested to be modified or changed, the user is authenticated, .

As shown in FIG. 3, the database unit 240 stores a plurality of passwords in association with one financial account number, and stores a transaction limit, a use range, an expiration date, etc. for each password .

In addition, the database unit 240 can manage a transaction history of a user corresponding to a password for one financial account, and can set and manage a total transaction limit in addition to the daily transaction limit.

For example, if the transaction total amount is set to a certain limit for a certain period of time and the transaction limit amount for the corresponding password is the total transaction limit, a message is provided to the pre-stored user terminal corresponding to the main password, It is possible to suspend the transaction. Such a transaction suspension can be canceled by the user corresponding to the main password, for example, by the mother himself shown in Fig.

When the transaction processing unit 250 receives the financial transaction request signal from the terminal 100, the transaction processing unit 250 requests the account management unit 230 to determine whether the transaction is possible, confirms the transaction limit and the usage range stored in association with the password, And processes the requested financial transaction according to the result.

For example, if the transaction request is within the transaction limit and the scope of use stored in association with the password as a result of the check, the transaction is processed and if the transaction request exceeds the transaction limit and the usage range stored in association with the password The user terminal 100 can stop the transaction and send a transaction error notification to the user terminal 100 corresponding to the pre-registered main password.

The account unit interworking unit 260 plays a role of executing the household account application associated with the financial transaction information processed by the transaction processing unit 250. [ That is, the household financial transaction unit 260 monitors whether the financial transaction information processed by the transaction processing unit 250 is generated, and activates the household finance application based on the monitored financial transaction information.

The household management unit 270 activates the household account application and receives the financial transaction information from the transaction processing unit 250 and records the financial transaction information in the household account table field. For example, when a change occurs in the financial transaction information for each user, the household account management unit 270 updates the financial transaction information input in the household account table field of the household account application in real time by linking the financial transaction information for each user with the household account application. For example, the household table field includes items such as user nickname, date, card details, usage item, expenditure, and the like.

FIG. 3 is a table showing detailed information such as a plurality of passwords and transaction limits corresponding to registered account numbers according to an embodiment of the present invention.

A table storing information in which a plurality of passwords and transaction limits are set for one financial account as shown in FIG. 3 is referred to as an account number related table for convenience.

In the account number association table, a plurality of passwords are stored for each account number, and the contact information of the user's terminal matching the user alias, the transaction limit, the usage degree, the expiration date, Lt; / RTI >

For example, referring to the account number association table shown in FIG. 3, three passwords are assigned to one account number, and a user alias corresponding to each password can be assigned as a mother, a daughter, and a son. According to an embodiment of the present invention, information on a single financial account can be checked at a glance by setting and managing a transaction limit, a usage range, an expiration date, etc. differentially to a user corresponding to the password thus granted, .

4 is a flowchart illustrating a method of providing a financial account management service according to an exemplary embodiment of the present invention.

First, the financial account management apparatus receives a financial transaction request signal from one customer terminal or an employee terminal (S100). The financial transaction request signal includes information such as an account number, a password, a transaction type, and a transaction amount, which are inputted by a customer through a customer terminal or an employee terminal for financial transactions.

Then, the financial account management device confirms whether the transaction is possible through the password included in the received financial transaction request signal (S110).

Confirms the account number, the password, the transaction type, and the transaction amount included in the received financial transaction request signal, and confirms whether the password is the main password associated with the account number or the additional password. For example, if it is determined that the password is the main password, the transaction limit is not confirmed. If the password is the additional password, it is determined whether the transaction is possible by checking whether the transaction amount is less than the transaction limit associated with the password.

If it is determined that the transaction is not possible, the terminal does not process the financial transaction requested by the terminal but provides a transaction error notification to the pre-registered user terminal and stops the transaction (S120, S130).

If it is determined that the transaction is possible as a result of the determination, the financial transaction requested is processed in the financial transaction request signal, the family account application is activated based on the processed financial transaction information, and the account part table field Financial transaction information is recorded (S140, S150, S160). Through this process, financial transaction information is recorded in a household table field including items such as user alias, date, use place, payment amount, etc., and a user who matches the main password through the recorded financial transaction information records the user's You can check transaction details in real time.

Through the above-described steps, a plurality of user-specific financial transaction information and a household account application are linked and managed by a single financial account, thereby making it possible to check transaction details traded by a plurality of users in the prior art, The effect can be realized.

FIG. 5 is a flowchart illustrating a method for determining whether or not a transaction can be performed in FIG. 4 in detail.

First, the financial account management apparatus checks the account number related table (see FIG. 3) stored in the database unit 240 in order to determine whether or not the transaction can be performed for each user.

In step S112, the financial account management apparatus checks whether the received password corresponds to the account related password by inquiring the account number related table that corresponds to the password based on the account number included in the financial transaction request signal received from the terminal. At this stage, it is checked whether the password is the account related password and whether it is the main password or the additional password. If the main password is confirmed at this time, the transaction limit of the user corresponding to the main password is unlimited, Therefore, it is determined whether the transaction is possible without going through the next steps S114 and S116.

If it is determined in step S112 that the received password is an account-related password, a usage range matching with the password is checked in the account number association table included in the financial transaction request signal, and it is determined whether the transaction type is within the usage range (S114). Here, the use range is a financial service available to the user corresponding to the password, which is available through the account, and the user corresponding to the additional password other than the main password may be restricted in the use range.

If it is determined in step S114 that the transaction type included in the financial transaction request signal is within the usage range matched with the received password, it is confirmed whether the transaction amount is a transaction within the transaction limit set for the received password (S116).

If it is determined that the transaction is finally possible, the process proceeds to step S140, which is the next step, through steps S112, S114, and S116 described above.

FIG. 6 is an exemplary diagram illustrating a screen configuration in which a plurality of financial transaction details for each user on a financial server according to an exemplary embodiment of the present invention is applied in connection with a household application.

According to the embodiment of the present invention, when a change occurs in financial transaction information for each user, a household part application is executed in a screen configuration as shown in FIG. For example, the status display field indicating the current work status includes a household budget management search window, which is displayed as a household wealth management screen and in which search conditions are input for managing the household wealth, and a search result displaying information about search results corresponding to the search conditions A window is displayed. The household table field of the search result window in which the search result is displayed may include items such as user alias, date, card details, usage item, expenditure, and the like, but is not limited thereto. In addition, if information to be directly searched for is searched for in the search condition, or if the search condition is clicked, detailed items relating to the household table field are displayed.

Here, if the 'Search' button is selected at the upper right corner of the screen configuration after selecting the detailed item to be guided, information on the search result is displayed in the search result window according to the search condition.

According to the embodiment of the present invention, since the financial transaction information is recorded in the household table field in association with the financial transaction information per user, the effect that the household budget can be automatically created is realized, have. In addition, since the financial transaction information can be retrieved according to the date, the user alias, and the usage item, which are the retrieval conditions, it is possible to easily check a plurality of user's financial transaction information using one account.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: terminal 200: financial server
210: control unit 220: communication interface
230: an account management unit 240:
250: Transaction processing unit 260: Household part interlocking part
270: Household Accounting Department

Claims (9)

A financial account management device for managing and managing a transaction detail of a financial account in which a plurality of passwords are set in association with a household account application,
A communication interface unit for transmitting and receiving information to and from the terminal;
A plurality of passwords including a main password and an additional password dependent on the main password are stored in association with one financial account number, and the user alias, transaction limit, range of use, A database unit corresponding to the stored data;
A transaction type, and a transaction amount included in the financial transaction request signal when the financial transaction request signal is received from the communication interface, inquires the database unit, An account management unit for checking whether the transaction type is included in the usage range after confirming that the password is associated with the account number and checking whether the transaction amount is less than or equal to the transaction limit associated with the password;
A transaction processing unit for processing the financial transaction requested in the financial transaction request signal according to the determination result by the account management unit;
An account unit interlocking unit for executing a household account application associated with the financial transaction information processed by the transaction processing unit; And
A household part management part for generating a household part table field while the household part application is activated by the household part interlocking part, recording financial transaction information in the generated field and managing the financial transaction information;
, ≪ / RTI &
Wherein the use range is a financial service item that a user corresponding to the password can be provided through the financial account number,
Wherein the user corresponding to the additional password other than the main password receives a restriction on financial transactions based on the usage range, and manages a single financial account with a plurality of passwords set therein. delete delete The method according to claim 1,
Wherein the financial account interoperability unit monitors financial transaction information generated by the transaction processing unit and activates a household account application based on the monitored financial transaction information. The financial account management system according to claim 1, Device. The system according to claim 1,
Wherein the financial transaction information recorded in the household table field generated while the household account application is activated is updated in real time when a change occurs in the financial transaction information. Management device. The information processing apparatus according to claim 1,
Wherein the main password is set to include a main password corresponding to a user alias and an additional password dependent on a main password, the transaction limit is not limited, and the user alias, the transaction limit, the usage range And a validity period can be registered, modified, and changed. A financial account management apparatus for managing a single financial account in which a plurality of passwords are set. 1. A financial account management method for managing a financial account with a plurality of passwords,
A plurality of passwords including a main password and an additional password dependent on the main password are stored in a financial account number in association with each other and correspond to user nicknames, transaction limits, usage ranges, Storing and maintaining the data;
Receiving a financial transaction request signal from a terminal;
Confirming a password, a transaction type, and a transaction amount included in the received financial transaction request signal, and confirming whether the password is a password associated with one financial account;
If the password is a password associated with a financial account, checking whether the transaction type is included in the usage range;
Confirming that the transaction amount is a transaction amount equal to or less than the transaction limit if the transaction type is within the usage range corresponding to the password;
Processing the financial transaction requested in the received financial transaction request signal if the transaction amount is a transaction amount equal to or less than the transaction limit corresponding to the password;
Activating a household part application when financial transaction information is generated by the financial transaction processing; And
Recording the financial transaction information in a household table field through the household budget application;
, ≪ / RTI &
Wherein the use range is a financial service item that a user corresponding to the password can be provided through the financial account number,
Wherein the user corresponding to the additional password other than the main password receives a restriction on the financial transaction based on the usage range, and manages one financial account in which a plurality of passwords are set. The method as claimed in claim 7, further comprising the step of providing a transaction error notification to a terminal for each user previously registered without processing the requested financial transaction if it is determined that the transaction is not possible as a result of the determination A financial account management method for managing a single set financial account. The method as claimed in claim 7, further comprising: providing a transaction error notification to the user terminal associated with the main password when it is determined that the transaction is not possible and the password included in the financial transaction request signal is an additional password as a result of the determination A financial account management method for managing a single financial account with a plurality of passwords.

Images