KR20060102944A - Community service method contained internet banking service - Google Patents

Abstract

The present invention relates to a community service method in which Internet banking is combined, and connects a community established on the Internet and internet banking with each other to approve the execution of funds through online decision-making of community members. Since the expenditure is impossible at the source and the transaction details can be viewed for the already executed funds or deposits, it is possible to follow-up the funds so that the fund manager who manages the group funds can manage the funds and manage the funds transparently. Not only can you easily manage your membership and membership fee, but also change your fund manager, and if you need to continue trading your community's mother account, change your fund manager according to your willingness Continue to trade with your account number There is an advantage to this.

Internet Banking, Electronic Banking, Communities, Money Management, Payable Balance, Account Holder

Description

COMMUNITY SERVICE METHOD CONTAINED INTERNET BANKING SERVICE}

1 is a block diagram showing a community combined with Internet banking according to the present invention.

2 is a flowchart illustrating a community service method combined with Internet banking according to the present invention.

   -Explanation of symbols for the main parts of the drawings-

10: authentication server 20: Internet banking server

30: community server 40: Internet network

50: SMS server 60: computer

65: cell phone

The present invention relates to a community service method in which Internet banking is combined. More specifically, it connects a community established on the Internet and Internet banking with each other to control money management of a money manager who manages group funds according to the intention of community members. The present invention relates to a community service method that combines Internet banking, which enables users to view transaction details at any time, manages funds transparently, and facilitates member management and membership fee management.

Many people now participate in various types of gatherings, such as communities, alumni associations and social groups that are established on the Internet, and pay a certain amount of dues for their activities.

As such, dues and fees are managed and managed by the account manager in charge of the meeting, such as the representative or the secretary, but each member does not manage and participate in the operation of the funds. Sometimes it causes a lot of trouble.

Therefore, in the case of a group in which money management is particularly important, in order to prevent a person who manages money arbitrarily disposing of them, they seal a number of seals in an account or open an account under a common name. However, the funds manager can use the funds arbitrarily when the bank account is reissued and traded by reporting the loss of the bankbook or reporting the change of the seal, etc. Therefore, there is a problem that the transparency of the money management is not very high for the members.

On the other hand, in the case of the approval method as the internal payment system of the company, corporations with the system of application are adopted and controlled by enterprise ERP (Enterprise Resource Planning) in the office automation level. There is a problem that can not be applied to the management and private organizations.

In addition, in order to solve the inconvenience of depositing and withdrawing funds through financial institutions with bankbooks and stamps, in recent years, we have transferred and managed funds through the Internet, so that financial transactions can be made even without bankbooks and stamps. There is a problem that can not control the money management alone.

On the other hand, as in the case of credit cards, there is a system that notifies the transaction by mobile phone or e-mail when a transaction occurs, but not only the members of the group can request the transaction itself or send the transaction to all the members. Due to constraints, other than the holder of the account holder, other financial information such as transaction details cannot be informed, so the transaction details cannot be known unless the fund manager informs the transaction details.

The present invention was created to solve the above problems, and an object of the present invention is to connect the community established on the Internet and the Internet banking with each other to control the money management of the money manager to manage the group funds in accordance with the will of members of the community In addition, it provides a community service method that combines Internet banking, which enables users to view transaction details at any time, enable transparent money management, and facilitate member management and membership fee management.

The present invention for realizing the above object is linked with the community and opening an account for electronic financial transactions without bank teller transaction, creating a community and registering the opened account, the account of the registered account In addition to the delegation related to Internet banking transactions, the designation of an initial officer for community decision making and the start of community service, and upon request of approval of expenditure on the registered account after the start of community service, are made according to the decision of the officer. Adjusting the payable balance of the, characterized in that made comprises a step of downloading the transaction history of the registered account and registering in the community.

Electronic financial transaction in the present invention is characterized in that the Internet banking, phone banking, withdrawal and withdrawal of CD / ATM.

In the present invention, the Internet banking transaction-related delegation is characterized in that the inquiry-related tasks of using a registered account as a mother account.

In the present invention, the delegation of the Internet banking transaction or the designation of the initial officer is characterized by the account holder of the account.

In the present invention, the decision of the executive is characterized in that the general decision for changing the account holder of the account, designation / dismissal of the officer, approval of expenditure and community operation.

In the present invention, when changing the account holder of the account is characterized by performing the name change procedure of the account by the account holder changed according to the decision of the officer.

Transactions registered in the present invention is characterized in that the posting is combined with the accounting book.

In the present invention is characterized in that it further comprises the step of making the transfer to the registered account when payment of dues in the community.

The present invention made as described above can control the community as well as control the fund management by limiting and adjusting the payable balance that the account holder can withdraw from the balance of the account in accordance with the decision of the community executive through the account linked to the community When assigning officers, the account holder's delegation related to internet banking transactions is granted so that executives can check the actual transaction details of their accounts at any time, allowing them to conduct transparent funds management, as well as download transactions and publish them in the form of books in the community. By doing so, it is possible to smoothly pay dues and manage members.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings. In addition, this embodiment is not intended to limit the scope of the present invention, but is presented by way of example only.

1 is a block diagram showing a community on the Internet combined with the Internet banking according to the present invention.

The community on the Internet combined with the Internet banking according to the present invention generally includes an internet banking server 20 and an authentication server 10 connected to the internet network 40 to perform internet banking. It is composed of a community server 30 connected to (40).

In addition, an SMS server 50 for transmitting a text message necessary for an internet banking transaction or a text message required for community operation may be further provided.

And, in order to secure the security of the data transmitted between the Internet banking server 20 and the community server 30, community members using the Internet banking level security access program before accessing and accessing the community server 30 It checks in advance whether there is a hacking tool such as a program for leaking ID and password on the member's computer 60 and ensures security by being driven continuously during community activities.

In addition, for internet banking transactions, procedures for general internet banking transactions such as public certificates and security cards must be performed from financial institutions (not shown).

Therefore, the present invention operates in the same way as the community's activities established on the general Internet in the case of a community, and in order to secure the control and transparency of money management in the community's activities can not be withdrawn from the window in conjunction with Internet banking Open an account that can only do electronic banking transactions to register this account as a parent account to manage community funds, as well as limit or adjust the balance of the balance of the registered account that can be withdrawn at any time. It controls the management and provides transparency of the money management by providing the transaction details of the account by the designated users of the community.

A detailed management method thereof will be described below with reference to a flowchart for explaining a community service method combined with Internet banking shown in FIG. 2.

As shown here, the depositors, representatives and fund managers for opening the community, open and close the bank account for use by the community in the financial institution according to the procedures set forth in the current real name law (S10). At this time, a group name may be added with the name of the account holder and opened.

At this time, the opened community account cannot be used as a bank account at the window of a financial institution. It is an account that can only perform electronic banking transactions. It is an account that allows only Internet banking, phone banking, and CD / ATM deposit and withdrawal.

In addition, the community account used in the present invention can be opened only by the account holders, who have been granted public and private certificates and security cards for Internet banking.

In this way, after opening a community account, the depositor sets himself as a representative and a money manager to open the community through the Internet banking server 20 and the secured community server 30 and enter the community account number. Register as a mother account of the community (S20) (S30).

In this way, when the community is established, the initial officer for approving the membership of the initial community while approving the membership is designated (S40) (S50).

In this way, if the depositor designates the initial officer of the community, the member will be notified to the e-mail address and mobile phone number registered at the time of membership registration, and the decision to be made on the initial operation of the community (to be approved) and the proposed agenda. Approval may be requested by determining the minimum number of executives (family members) required to process the approval. Then, the designated officer accesses the community and enters the executive resolution password to approve the operation of the initial community, and the community service is started. After the service is started, the executive officer can change the officer only through the executive resolution.

However, when only the holder of the account becomes an executive due to the voluntary withdrawal of the officers, the operation method may be changed or the approval plan may be executed according to the owner of the account.

The designated executives are given a mandate for internet banking transactions from the account holders of the mother account registered in the community, so that the transaction history of the mother account can be inquired at any time.

Afterwards, executives decide to change the way in which the community operates, appoint or remove executives such as representatives, and make decisions on general decisions for approval of expenditures and the operation of the community, as well as changes in the account holders of the parent account.

As such, in order to secure the security of data transmitted between the community server 30 and the internet banking server 20 when operating the community in which the Internet banking is combined, members of the community use an ID banking program through a security access program of the Internet banking level. Enter the password to access the community to make an executive resolution or to view transaction details, and check beforehand whether there is a hacking tool, such as a program to leak ID and passwords to member computers before accessing the community. Keep running to ensure security.

The operation of the community is then driven by decisions made by general representatives and executives. In other words, officers may approve the expenditure of funds, change or add officers (representatives, money managers, other officers), or change approval criteria by online resolution. To this end, when a specific executive submits an agenda, the fact that the agenda has been presented is notified to each executive by e-mail and mobile phone (65), and the notified officers enter the ID and password to log in to the community, and then in the sector for executive resolution. Check the proposed agenda and enter your password to decide whether to approve it. In this case, if the officer who meets the provisional quorum is not approved by the end of the "deadline for approval", the proposal will be rejected and the approved item will be applied from the "effective date."

However, in the case of spending approval, if the executive meeting the family number of approval is approved, the approval signal for adjusting the payable balance of the registered mother account to the approved amount for spending by the community server 30 is transmitted to the Internet banking server 20. By changing the payable balance, the depositor's fund manager can withdraw or transfer money through electronic financial transactions, and if the fund manager approves the funds, the manager will be notified of the withdrawal transactions from the parent account in real time. (S60) (S62) (S64) (S70).

On the other hand, if the total number of directors is lower than the provisional family due to the withdrawal of the executives, the total number of directors as of the date of initiation is the provisional family, and approval by this resolution standard is regarded as a valid decision of the community despite the existing approval standard. do. In addition, in the event that an officer becomes one due to the withdrawal of the officer, it may be initiated, approved, and enforced alone.

In addition, the Initiative may be canceled by the Initiator prior to the “Approval” process, and if the Initiative is canceled, the Intent will be canceled and the material retained for the officers to see for a period of time.

In this way, the community will be managed and the community will be managed by the executives and members of the community.

In addition, in order to double the transparency of money management, the fund manager downloads the transaction details of financial assets related to the community from the Internet banking server and provides them with the accounting book so that the members pay the membership fee and manage the funds. Provides status for checking.

At this time, in case of members approved by the executives and the fund manager, the transaction history of the community account registered as the mother account of the community can be viewed in real time through the Internet banking. This inquiry can be used to view the transaction history of the funds management account when the fund manager registers with the community if there are other financial assets such as deposits, installments, trusts, etc., which are the mother account of the community account. do.

And when the community member pays dues, it provides a transfer service to the registered mother account through Internet banking so that dues can be transferred (S90).

On the other hand, in the case of the change of the money manager by the executive resolution to change the money manager, the approval of the change of the account holder is transmitted to the Internet banking server 20 so that the changed new money manager can change the name of the account registered with the financial institution with the old money manager. It is possible to change the account holder by performing (S80).

In this way, the depositor who is approved as the change manager must confirm his / her name and report the change of name so that the change of name is completed and the new fund manager can succeed the position of the old fund manager (S85).

In the present invention is described only in the Internet banking-related parts of the community, for the operation of the community can be provided with various functions such as bulletin board operation, ballot box, membership and membership fee management service, mobile phone message and email transmission service.

As described above, the present invention connects the community established on the Internet and the Internet banking with each other and approves the execution of funds through online decision-making of community members. The transaction history can be inquired about the already executed funds or deposits, so the follow-up management of the funds is possible. Therefore, the funds management of the money manager who manages the group funds can be controlled and the funds can be managed transparently. There is an advantage that can make management easier.

In addition, even if the change of the fund manager, if you need to continue the transaction of the community mother account has the advantage of continuing to trade with the account number of the existing parent account if you change the fund manager according to the members' intention and go through the predetermined real name verification and name procedures.

Claims (8)

Interworking with the community and opening an account for electronic financial transactions without a bank teller; Creating a community and registering the account opened above; Starting the community service by designating an initial officer for making a decision of the community as well as granting an internet banking transaction delegation of the account registered in the community; Adjusting a payable balance of the account in accordance with a decision of the officer upon request for approval of expenditure in the registered account after commencement of the community service; Downloading the transaction history of the registered account and registering it in the community Community service method, characterized in that the Internet banking combined. The method of claim 1, wherein the electronic financial transaction is Internet banking, phone banking, CD / ATM deposit and withdrawal. The method of claim 1, wherein the delegation related to the Internet banking transaction is an inquiry related task of using the registered account as a parent account. The method of claim 1, wherein the delegation or initial officer assignment related to the Internet banking transaction is performed by the account holder of the account. The method of claim 1, wherein the executive decision is a change in account holders, an assignment / dismissal of an officer, approval of expenses, and general decision making for the community operation. [6] The method of claim 5, wherein the account change procedure is performed by the account holder changed according to an officer's decision when the account holder is changed. The method of claim 1, wherein the registered transaction details are posted in combination with an account book. The method of claim 1, further comprising the step of making a transfer to the registered account upon payment of the membership fee in the community.

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