KR101665761B1 - Method of managing financial products and server performing the same - Google Patents

Abstract

The method of operating a financial product executed in a server of a financial institution connected to a terminal of a user according to an embodiment of the present invention includes the steps of opening an account for the financial product when the user subscribes to the financial product, The method comprising the steps of: storing the account information in an associated account ledger; and, when money is deposited in the account from the user, information indicating that the deposit is deposited by the transaction ledger corresponding to the account ledger for a predetermined period And applying the interest rate according to the elapse of the maturity of the depositing case to process the depositing case. Accordingly, the present invention is not limited to a case where a user deposits a deposit item in a form having a different expiry date for each deposit case existing in a plurality of deposits, It is possible to use the funds.

Description

[0001] METHOD OF MANAGING FINANCIAL PRODUCTS AND SERVER PERFORMING THE SAME [0002]

Embodiments of the present invention relate to a method for operating a financial product and a server for executing the method.

Financial products are classified according to their purpose, such as housing, marriage funds, education expenses, funds, old-age living and pensions. In recent years, special products have been developed for specific customers such as children, In addition to the financial instruments under the policy, financial instruments with different benefits are being developed depending on individual conditions.

Customers may subscribe to financial products for their own purposes, but for personal reasons, financial products may be terminated before they expire. In such a case, there arises a problem that the customers are not paid the interest promised when joining the financial product.

In the present invention, instead of transferring a deposit to a savings product, a deposit is placed on a deposit item in a form having an expiration date for each deposit item existing in a plurality, and the deposit is partially canceled when the user needs urgent self- The present invention also provides a method of operating a financial product and a server for executing the same.

In addition, the present invention provides a method for operating a financial product and a server for executing the same, which allows a savings account to be kept constantly because the expiration date of each deposit request differs, .

It is another object of the present invention to provide a method of operating a financial product and a server for executing the same, which can deposit the funds again after each deposit event expires to further increase the compounding effect.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

In a preferred embodiment of the present invention, a method for operating a financial product executed in a server of a financial institution connected to a user terminal comprises the steps of: opening an account for the financial product when the user requests to join the financial product; When the amount of money transferred from the user to the account is transferred to the transaction ledger corresponding to the account ledger, information indicating that the deposited money is a financial article deposited for a specific period of time; And applying the interest rate according to the expiration date of the deposit event to process the deposit event.

Among the embodiments, a server of a financial institution connected to a user terminal may include a message receiver for receiving a financial product subscription request message by the user, and an account for the financial product when the subscription request message of the financial product is received When the amount of money transferred from the user to the account is transferred to the account ledger associated with the account ledger, information indicating that the deposited money is a financial instrument deposited for a specific period of time is stored in the account ledger associated with the account And an account management unit for applying the interest rate according to the elapse of the maturity of the depositing case to process the depositing case.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of 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, 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 reference numerals refer to like elements throughout the specification.

According to the present invention, instead of transferring a deposit to a deposit product, a deposit item is deposited in a form having a different expiry date for each deposit item existing in a plurality of deposits, so that when the user needs urgent self- It is possible to use the funds.

In addition, according to the present invention, even if the expiration date of each deposit request differs, the expiration date of the other expires is not yet expired. Therefore, the savings deposit can be continued and the expense can be collected.

Further, according to the present invention, there is an effect that, when each deposit event expires, deposits can be deposited again to further increase the compounding effect.

1 is a network configuration diagram illustrating a financial product operating system according to an embodiment of the present invention.
2 is a block diagram illustrating an internal structure of a server of a financial institution according to an embodiment of the present invention.
3 is a flowchart illustrating a method of operating a financial product according to an embodiment of the present invention.
4 is a flowchart illustrating a method of operating a financial product according to another embodiment of the present invention.
FIG. 5 is a flowchart illustrating a method of operating a financial product according to another embodiment of the present invention.
6 to 11 are reference views for explaining screens displayed on a user terminal according to a method of operating a financial product according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Before describing the financial product operating system according to the present invention, a method of depositing windmill windmills will be described. "Winding a Winding Windmill" is a way to subscribe to a one-year fixed deposit every month, like pouring savings. With this method, unlike savings, which require a full withdrawal if urgent funds are needed, they can be used to terminate as needed. This method is different from the savings in which the entire savings amount is paid after a fixed period of time, but even if one of the term deposits expires, the other savings have not yet expired and the total savings can not be terminated. It is perfect for gathering.

Generally, when a customer joins a deposit or a deposit in a bank, an account is created, information such as interest and amount is recorded in the account ledger, and only two pieces of information are newly registered in the transaction ledger corresponding to the account ledger .

In this way, since only two pieces of information are written in the transaction ledger corresponding to the account ledger, if a new fixed deposit is registered every month using the "deposit windmill", an account of the fixed deposit is created, and interest and amount Information, and the transaction ledger corresponding to the account ledger will only have two pieces of information, new and canceled.

In particular, from the second year onwards, two monthly deposits (depositing the principal and interest again and joining the new deposit) will be added. In the third year, three deposits are issued each month. The number of passbooks is increased and the inconvenience is increased.

In order to alleviate these inconveniences in recent years, there have been cases in which a "rolling windmill" is carried out using an Internet banking or the like. In this case, a lot of time deposit accounts are displayed on the screen of the Internet banking Management takes a lot of time and effort.

1 is a network configuration diagram illustrating a financial product operating system according to an embodiment of the present invention.

Referring to FIG. 1, a financial product operating system includes a server 100 of a financial institution and a terminal 200 of a user.

The server 100 of the financial institution is a server that processes financial transactions at the request of the user. The server 100 of such a financial institution may exist inside a financial institution (for example, Woori Bank, Woori Card, etc.).

A financial system provided in the server 100 of a financial institution is connected to at least one or more window terminals provided at a branch (and / or branch office) of a financial institution through a predetermined financial network (e.g., an on-net).

Here, the financial system is a computerized system provided to a financial institution for providing financial services, and includes at least one interconnection between at least one other financial system (and / or settlement system), and / or at least one Access to the financial system from one or more non-facing financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) and / A financial cooperative network) for providing various financial transaction interfaces.

In addition, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between internal components, and an interface module that provides predetermined information (e.g., ledger information and / And a DBMS (Data Base Management System) comprising at least one or more databases for storing and managing user information and / or management information.

In addition, the financial system may also include a foreign exchange module (not shown), depending on the intent of the person skilled in the art and / or the type and purpose of each financial institution (e.g., commercial bank, savings bank, trust bank) , An investment banking module (not shown), an international banking module (not shown), and the like, and those skilled in the art will understand that the financial system The detailed description thereof will be omitted for the sake of convenience, and the present invention is not limited thereto.

In addition, the financial system is characterized by being associated with a server (e.g., Internet banking, smart banking, etc.) and transmits / receives data to / from a terminal 200 of a user connected to the network through a server.

The server 100 of the financial institution opens an account for a financial product (for example, a periodic deposit or a periodic fee) when a user requests the addition of a financial product, and when the amount of money transferred to the account is deposited, It is possible to process the deposit by applying the interest rate according to the deposit information deposited during the period and the expiration date of the deposit. The server 100 of the financial institution will be described in more detail with reference to FIG. 2 below.

The user terminal 200 is a terminal possessed by a user who can access a server 100 of a financial institution and can perform a financial transaction, for example, a mobile terminal, a smart phone, a notebook, and a PDA (Personal Digital Assistant) .

The user terminal 200 maintains connection or communication with the server 100 of the financial institution.

In one embodiment, a user's terminal 200 may load at least a portion of a mobile banking engine for accessing a server 100 of a financial institution. For example, at least some of the predetermined operations required for subscribing to a monthly money transfer for a particular period may be performed at the user terminal 200 for quick processing. In this embodiment, the terminal 200 of the user can provide the result of the mobile banking engine provided in itself to the server 100 of the financial institution.

2 is a block diagram illustrating an internal structure of a server of a financial institution according to an embodiment of the present invention.

2, the server 100 of the financial institution includes a message receiving unit 110, an account managing unit 120, an interface providing unit 130, a account ledger DB 140, a transaction ledger DB 150, and a controller 160 ).

The message receiving unit 110 receives the message from the user's terminal (FIG. 1, 200) and provides the message to the account management unit 120.

The account management unit 120 opens an account for the financial product when the user requests to join the financial product. The type of account may include a fixed deposit and an accumulated deposit.

The account management unit 120 may store the account ledger for each account in the account ledger DB 140 when the account associated with the user is completed. At this time, the account ledger may include information associated with the account. The information associated with the account may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a business address, a business telephone number, an account number, an initial transaction date and a final transaction date.

The account management unit 120 stores information indicating that the money deposited in the transaction ledger corresponding to the account ledger is a financial instrument deposited for a specific period of time. At this time, the account management unit 120 can collect at least one of the interest rate, the subscription date, the expiration date, the remaining months, and the current status of the deposit. Here, the current state may include at least one of a pre-payment, a middle payment completion, a maturity payment completion, a waiting maturity payment, and an expiration re-deposit completion.

The account management unit 120 applies the deposit in accordance with the expiration date of the deposit, and processes the deposit.

In one embodiment, upon receipt of a payment reservation request message for a specific deposit request from the user terminal 200 through the message receiver 110, the account management unit 120 checks the expiration date of the specific deposit request, , The amount corresponding to the specific deposit can be paid at the time of maturity. That is, the account management unit 120 may deposit the amount corresponding to the deposit case in the deposit and withdrawal account associated with the user at the time when the deposit case expires.

In another embodiment, when the account management unit 120 receives a payment request message for a specific deposit request from the terminal 200 of the user through the message receiving unit 110, the account management unit 120 confirms expiration of the specific deposit request, If the maturity date has not reached the maturity date, interest will be calculated by applying the mid-term interest rate to the specific deposits. If the maturity date is reached, interest will be applied to the specific deposits to deduct the principal and interest from the interest. Can be paid. At this time, the mid-term interest rate can be calculated by applying the deposit period to the interest rate on the specific deposits deposited in the account.

In another embodiment, when the account management unit 120 receives the expiration re-deposit reservation message for a specific deposit through the message receiving unit 110, the account management unit 120 checks whether a specific deposit request You can calculate the interest by applying the interest rate, and withholding the tax on the interest, and then you can deposit the amount paid together with the principal and interest in the form of a new deposit in this account.

In another embodiment, if the account management unit 120 does not receive a message regarding a specific deposit request through the message receiving unit 110, the account management unit 120 may apply an interest rate for a specific deposit request The amount of the interest paid together with the interest or the withholding of the tax on the interest, and the amount paid together with the principal and interest, may be deposited in the form of a new deposit request in this account.

In yet another embodiment, when the account management unit 120 receives a payment request message for an account from a user terminal, the deposit management unit 120 classifies the payment due maturity on the basis of the receipt of the payment request message as maturity payment, The deposits can be classified as intermediate payments, and interest and interest payments can be made after calculating interest on each maturity and severance payment and withholding tax on interest.

When the account management unit 120 receives the re-deposit history inquiry message for the specific depositing event from the terminal 200 of the user through the message receiving unit 110, the account management unit 120 expires from the time when the specific depositing event is first deposited and the interest and principal are deposited again You can provide the history sorted in chronological order.

The interface unit providing unit 130 provides an interface for displaying the information of the account associated with the user at the time of login of the financial transaction screen by the user.

In one embodiment, the interface component provider 130 may circularly mark each deposit transaction associated with the user and the account.

In one embodiment, the interface unit providing unit 130 may display the number of months elapsed from the date of disposal in the form of a 12-tuple circle showing the deposit case to the present and the number of remaining months until expiration.

In one embodiment, the interface unit providing unit 130 may display an interest rate, an amount, and a subscription / expiration date in a circle representing the deposit note.

In one embodiment, the interface unit provider 130 may display the current status of each deposit case in a circular color and shape.

When the user's account is opened by the account management unit 110 in the account ledger DB 140, the account ledger is stored for each account. Here, the account ledger may store an account number, an account creation date, employee information in charge of account creation, and the like.

The transaction ledger DB 150 stores a transaction ledger for each account ledger. At this point, at least one of the interest rate, the date of joining, the expiration date, the remaining months, and the current status of the deposit can be stored in the transaction ledger, and the current status can be stored before, during, And / or expiration re-deposit completion.

The controller 160 may control other components of the server 100 of the financial institution to provide a method of operating the financial product.

3 is a flowchart illustrating a method of operating a financial product according to an embodiment of the present invention. One embodiment disclosed in FIG. 3 relates to an embodiment in which each deposit case can be deposited with a deposit.

Referring to FIG. 3, the server 100 of the financial institution receives a financial product subscription request message from a user terminal (step S310). The server 100 of the financial institution opens an account for the financial product (step S320). The server 100 of the financial institution determines whether the amount of money transferred from the user to the account has been deposited (step S330).

The server 100 of the financial institution processes the deposited money in the form of a new deposit request together with the deposit period information for depositing the deposited money for a specific period (step S350).

4 is a flowchart illustrating a method of operating a financial product according to another embodiment of the present invention. In an embodiment disclosed in FIG. 4, one embodiment of the present invention is capable of processing a payment request in accordance with a payment reservation request of a specific deposit request out of respective deposits deposited in a financial product.

Referring to FIG. 4, the server 100 of the financial institution receives a subscription request message of a financial product to be transferred from a user terminal (step S410). The server 100 of the financial institution opens an account for the financial product (step S420). The server 100 of the financial institution processes the depositing event to be deposited in the account in the form of a new deposit request together with deposit period information for depositing for a specific period (step S430).

When the server 100 of the financial institution receives the payment reservation request message for the specific deposit request (step S440), the server 100 confirms the expiration of the specific deposit request (step S450). If the financial institution server 100 has not expired for a specific deposit (step S460), the server 100 provides the amount corresponding to the specific deposit event at the expiration time (step S470).

FIG. 5 is a flowchart illustrating a method of operating a financial product according to another embodiment of the present invention. An embodiment disclosed in FIG. 5 relates to an embodiment in which the user can process a payment request of a specific deposit among the respective deposits associated with a financial product.

Referring to FIG. 5, the server 100 of the financial institution receives a financial product subscription request message from the user terminal (step S510). The server 100 of the financial institution opens an account for the financial product (step S520). The server 100 of the financial institution processes the depositing event deposited in the account in the form of a new deposit request together with deposit period information for depositing for a specific period (step S530).

When the server 100 of the financial institution receives the payment request message for the specific deposit request (step S540), the server 100 confirms the expiration of the specific deposit request (step S550). If the financial institution's server 100 has not expired for a specific deposit (step S560), the central payment interest rate is applied to the specific depositing item to calculate the interest, and after the tax on the interest is withheld, (Step S570). Although not shown in FIG. 5, the server 100 of the financial institution can calculate the interest by applying the maturity payment interest rate to the deposit event if the maturity of the specific deposit money is expired.

Although not shown in FIG. 5, when the server 100 of the financial institution receives the re-deposit reservation message for a specific deposit, the interest is calculated by applying the interest rate at the time when the specific deposit is due, and the interest After the withholding, the amount paid together with principal and interest can be deposited into this account in the form of a new deposit request.

6 to 11 are reference views for explaining screens displayed on a user terminal according to a method of operating a financial product according to the present invention.

Referring to FIGS. 6 to 11, the user can confirm the respective deposits associated with the account through his / her terminal. As shown in FIG. 6, the respective deposits associated with the account are indicated by circles.

In the form of a circle graph in which the circle is divided into 12 equal parts, the number of months elapsed from the date of collection to the present and the remaining months until expiration are displayed.

In addition, interest rate, amount, subscription / expiration date are arranged in the circle, and the current ecology (for example, before payment, completion of maturity payment, waiting for maturity payment, ) Are displayed in the color and shape of the circle. For example, in the circle of reference numeral 610 in FIG. 6, the interest rate is 2.9%, the amount is 50 million won, and the subscription date is May 1.

When the customer selects the prototype showing each deposit, detailed information about the deposit is displayed. For example, if the prototype 610 of FIG. 6 is selected by the user, detailed information about the deposit is displayed as shown in FIG.

When the deposit history display button among the affiliate transaction buttons displayed by the user with the detailed information is selected by the user, the server 100 of the financial institution expires from the time when the depositing event is first deposited and the history in which interest and principal are deposited again in chronological order So that they are sorted and displayed. For example, if the deposit inquiry is requested by the user, detailed details of the deposit request can be displayed as shown in FIG.

The server (100) of the financial institution, when the middle payment button among the accessory transaction buttons displayed together with the detailed information by the user is selected, is immediately connected to the middle payment transaction so that the payment can be paid in a short amount.

The server 100 of the financial institution may be connected to the processing method change transaction at the time of expiration when the reference deposit reservation button or the expiration payment reservation button among the accessory transaction buttons displayed by the user by the user together with the detailed information is selected, The system can automatically re-arrange at the expiration date or make an automatic payment at the expiration date.

The user can check the details of the account as shown in FIG. 9, change the expiration processing method for each deposit case as shown in FIG. 10, and select the expiration processing method for depositing as shown in FIG.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: Server of financial institution
110:
120:
130: interface provisioning
140: Account ledger DB
150: Transaction ledger DB
160:
200: User terminal

Claims (18)

A method of operating a financial product executed on a server of a financial institution connected to a user terminal,
Opening an account for the financial product when the user requests to join the financial product;
Disposing the account information in the account ledger associated with the account;
If the money deposited in the account from the user is deposited in the transaction ledger corresponding to the account ledger, information indicating that the deposited money is a financial instrument deposited for a specific period of time; And
And processing the deposit case by applying interest rate according to the expiration date of the deposit case,
The step of applying the interest rate and processing the deposit case according to the expiration date of the deposit case
When the payment request message for the account is received from the terminal of the user, classifying the deposited banknotes based on the time of receiving the payment request message as maturity payment;
Classifying non-matched deposits as intermediate payments; And
Calculating the interest of each of the maturity payment and the severance payment and paying the principal and interest after deducting the tax on the interest
How to operate financial products.
The method according to claim 1,
The step of disposing information indicating that the deposit is a financial instrument deposited for a specific period of time on the transaction ledger corresponding to the account ledger
Depositing at least one of an interest rate, a subscription date, an expiration date, a remaining number of months, and a current status of the deposit item in the transaction ledger so that the deposit item can be recognized as a deposit product,
Wherein the current state includes at least one of a pre-payment, a middle payment completion, a maturity payment completion, a waiting maturity payment, and an expiration re-deposit completion
How to operate financial products.
The method according to claim 1,
The step of applying the interest rate and processing the deposit case according to the expiration date of the deposit case
When the payment reservation request message for the specific deposit request is received from the terminal of the user, the expiration of the specific deposit request is confirmed and if the expiration date is not reached, the amount corresponding to the specific payment request is expired at the expiration time The method comprising the steps of:
How to operate financial products.
The method according to claim 1,
The step of applying the interest rate and processing the deposit case according to the expiration date of the deposit case
When the payment request message for the specific deposit request is received from the terminal of the user, the expiration date for the specific deposit request is confirmed and if the expiration date is not confirmed, the interest rate is applied to the specific payment request And paying the principal and interest after the tax withholding on the interest is withheld
How to operate financial products.
The method according to claim 1,
The step of applying the interest rate and processing the deposit case according to the expiration date of the deposit case
The method comprising the steps of: calculating interest by applying the interest rate at the time when the specific deposit money expires, receiving the expiration re-deposit reservation message for the specific deposit from the terminal of the user, and after deducting the tax on the interest, And depositing the sum paid in the form of a new deposit request in this account
How to operate financial products.
The method according to claim 1,
The step of applying the interest rate and processing the deposit case according to the expiration date of the deposit case
If the user does not receive a message regarding a specific deposit from the terminal, the interest is applied at the time when the specific deposit event expires, together with the interest, or withholding tax on the interest, And depositing an amount of money in the form of a new deposit request in this account
How to operate financial products.
delete The method according to claim 1,
And receiving the re-deposit history inquiry message for the specific depositing event from the terminal of the user, sorting and providing the history in which the interest and principal are re-deposited from the time when the specific depositing event was first deposited, Featured
How to operate financial products.
The method according to claim 1,
Displaying the respective deposits associated with the account in a specific shape, displaying the number of months elapsed from the date of collection in the form of a graph dividing the specific shape into 12 equal parts and the number of remaining months until expiration;
Arranging and displaying an interest rate, an amount, and a subscription / expiration date in the specific shape; And
And displaying the present state of each deposit case in the color and shape of the specific shape
How to operate financial products.
1. A server of a financial institution connected to a user terminal,
A message receiving unit for receiving a financial product addition request message by the user; And
When the deposit request message of the financial product is received, an account for the financial product is opened and the account information is recorded in the account ledger associated with the account, and when the money is deposited from the user into the account, And an account management unit for processing information on the transaction ledger indicating information indicating that the deposit is a financial product deposited for a specific period of time and applying the interest rate according to the expiration date of the deposit,
The account management unit
When the payment request message for the account is received from the terminal of the user, the deposit event matched on the basis of the receipt of the payment request message is classified as maturity payment, the non-matched deposit case is classified as the middle payment, And interest payment and severance payment are calculated and the principal and interest are paid after the tax on the interest is withheld
Servers of financial institutions.
11. The method of claim 10,
The account management unit
At least one of the interest rate, the subscription date, the expiration date, the remaining number of months, and the current state of the deposit item is registered in the transaction ledger so that the deposit item can be recognized as a deposit product,
Wherein the current state includes at least one of a pre-payment, a middle payment completion, a maturity payment completion, a waiting maturity payment, and an expiration re-deposit completion
Servers of financial institutions.
11. The method of claim 10,
The account management unit
When the payment reservation request message for the specific deposit request is received from the terminal of the user, the expiration of the specific deposit request is confirmed and if the expiration date is not reached, the amount corresponding to the specific payment request is expired at the expiration time Characterized in that
Servers of financial institutions.
11. The method of claim 10,
The account management unit
When the payment request message for the specific deposit request is received from the terminal of the user, the expiration date for the specific deposit request is confirmed and if the expiration date is not confirmed, the interest rate is applied to the specific payment request And the principal and interest are paid after the tax on the interest is withheld
Servers of financial institutions.
11. The method of claim 10,
The account management unit
The method comprising the steps of: calculating interest by applying the interest rate at the time when the specific deposit money expires, receiving the expiration re-deposit reservation message for the specific deposit from the terminal of the user, and after deducting the tax on the interest, And depositing the amount paid in the form of a new deposit request in this account
Servers of financial institutions.
11. The method of claim 10,
The account management unit
If the user does not receive a message regarding a specific deposit from the terminal, the interest is applied at the time when the specific deposit event expires, together with the interest, or withholding tax on the interest, Depositing an amount in the form of a new deposit request in this account
Servers of financial institutions.
delete 11. The method of claim 10,
The account management unit
And receiving a re-deposit history inquiry message for a specific deposit case from the terminal of the user, arranges a history in which the interest and the principal are re-deposited from the time when the specific deposit case is first deposited,
Servers of financial institutions.
11. The method of claim 10,
The number of months elapsed until the current date and the number of remaining months until maturity are displayed in the form of a graph in which the specific shape is divided into 12 equal parts, And an interface providing unit for displaying a subscription / expiration date and displaying the present state of each deposit case in the color and shape of the specific shape.
Servers of financial institutions.

Images