KR20230005782A - Financial system and financial service method thereof - Google Patents

Abstract

According to the present invention, a financial system comprises: a product subscription unit that receives and processes a financial product subscription application from a customer terminal; a calculation unit that calculates an interest amount on a financial product and transmits it to the customer terminal according to a request of the customer terminal; and a payment unit for processing payment of the calculated interest amount to the customer terminal according to the request of the customer terminal.

Description

Financial system and its financial service method {FINANCIAL SYSTEM AND FINANCIAL SERVICE METHOD THEREOF}

The present invention relates to a financial system and a method of providing financial services thereof.

A financial institution is an institution that provides a variety of financial products to customers who need or want to supply funds and operates them by taking advantage of them. Financial products provided by such financial institutions include a receiving product in which the financial institution receives funds from customers and provides interest income thereon to customers.

Conventional deposit products generally provide interest income to customers on a date set by a financial institution. The composition of these products is mostly set in such a uniform form, and it is common for customers to sign up by agreeing to the contents.

A technical problem to be achieved by the present invention is to provide a service designed so that customers can receive it at a desired time by changing the interest payment method for received products from the conventional method.

A financial system according to an embodiment of the present invention includes a product subscription unit that receives and processes a subscription application for a financial product from a customer terminal, calculates an interest amount for the financial product according to a request of the customer terminal, and transmits it to the customer terminal. and a calculation unit, and a payment unit for processing the calculated interest amount to be paid to the customer terminal at the request of the customer terminal.

The request of the customer terminal may be made in units of at least one day within the validity period of the financial product.

The interest paid above may be added to the principal and interest of the next interest calculation.

The financial product may include a receiving product for receiving funds from the customer terminal.

The payment unit may settle and process taxes from the calculated interest amount.

The product subscription unit may request consent to conditions for the financial product from the customer terminal.

A method according to another embodiment of the present invention is a method for a financial system to provide financial services to a customer terminal, comprising the steps of receiving a financial product subscription application from a customer terminal, performing subscription processing for the customer terminal, and the customer. Receiving an interest payment request for the financial product from a terminal, calculating an interest amount for the financial product, and paying the interest amount to the customer terminal.

Prior to receiving the interest payment request, the method may further include receiving a request for calculating the interest amount from the customer terminal.

The interest payment request may be made through selection of a button provided through an application installed in the customer terminal.

The interest payment request may be made in units of at least one day within the validity period of the financial product.

The interest paid above may be added to the principal and interest of the next interest calculation.

The financial product may include a receiving product for receiving funds from the customer terminal.

The method may further include calculating and processing taxes from the calculated amount of interest.

The method may further include requesting consent to conditions for the financial product from the customer terminal.

According to an embodiment of the present invention, by providing a service for paying interest on a received product sold by a financial institution according to a date and a cycle determined by the customer, interest payment tailored to the customer's convenience can be performed, and additional Customer-oriented financial services can be provided by generating interest income.

1 is a block diagram of an operating environment of a financial system according to an embodiment of the present invention.
2 is a block diagram of a financial system according to one embodiment of the present invention.
3 is a flowchart illustrating a financial service method according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated.

In addition, the terms "...unit" and "...module" described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware, software, or a combination of hardware and software.

A financial system and a financial service method thereof according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of an operating environment of a financial system according to an embodiment of the present invention.

Referring to FIG. 1 , the financial system 100 is a server operated by a financial institution, and the financial institution provides a receiving product that receives customer funds and provides interest income, or a loan product that provides funds to customers to raise interest income, etc. It sells financial products that include In particular, the financial system 100 operates a service that pays interest on received products at a time determined by the customer.

The customer terminal 200 is a device through which a customer using a financial service provided by a financial institution accesses and communicates with the financial system 100 through a network. The customer terminal 200 may be a variety of communication devices such as various computers, personal digital assistants (PDAs), mobile communication terminals including smart phones, and televisions, for example.

Now, with reference to FIG. 2, the financial system 100 according to an embodiment of the present invention will be described in detail.

2 is a block diagram of a financial system according to one embodiment of the present invention.

Referring to FIG. 2 , the financial system 100 includes a product subscription unit 110 , a calculation unit 120 and a payment unit 130 .

The product subscription unit 110 receives a financial product subscription application from the customer terminal 200 and processes subscription. At this time, the financial product is a receiving product that receives money from the customer terminal 200 and provides interest thereon, and may include, in detail, occasional deposit and withdrawal and time deposit. The product subscription unit 110 may provide the customer terminal 200 with conditions for the received product in advance, for example, an interest rate, and may receive consent to the conditions from the customer terminal 200 . The product subscription unit 110 may request the customer terminal 200 to open or hold a bankbook under the name of the customer managed by the financial institution.

The calculating unit 120 receives an interest payment request from the customer terminal 200 , calculates an interest amount, and provides information on the calculated interest amount to the customer terminal 200 . At this time, the interest payment request of the customer terminal 200 may be performed at least in units of one day. That is, the customer terminal 200 may transmit the interest payment request at least every day, and may transmit the interest payment request on a desired date after a period of one day or more. For example, the customer terminal 200 may request interest payment every day within the period in which the subscribed received product exists, or request interest payment on any desired date. Then, the calculation unit 120 calculates the amount of interest calculated up to the previous day based on the date on which the interest payment request is received from the customer terminal 200 according to the interest rate determined at the time of service subscription.

Meanwhile, the customer terminal 200 may have a dedicated application for communication with the financial system 100 installed, and the application may display a so-called receive interest button and request interest payment by selecting it.

The payment unit 130 pays the interest amount calculated by the calculation unit 120 to the customer terminal 200 and transmits the payment completed to the customer terminal 200 . That is, the corresponding interest amount is paid to the bank account related to the received product in the name of the customer. The amount of interest transferred in this way is combined with the principal amount in the bankbook and becomes the principal and interest of interest calculation when the customer terminal 200 requests interest payment again in the future. That is, the interest paid can be operated in a daily compounding method. If the customer terminal 200 deposits 50 million won for 1 year at an interest rate of 2% and requests interest payment every day, it can receive interest of 856,287 won, which is generally deposited for 1 year and received after 1 year It is about 10,000 won higher than the interest rate of 846,000 won.

Meanwhile, the payment unit 130 may settle and pay taxes on the interest to be paid to the customer terminal 200 or perform subsequent settlement.

Now, referring to FIG. 3, a financial service method according to an embodiment of the present invention will be described.

3 is a flowchart illustrating a financial service method according to another embodiment of the present invention.

Referring to FIG. 3 , the customer terminal 200 transmits a financial product subscription application to the financial system 100 (S310). At this time, the financial product is a subscription to a receiving product in which funds of the customer terminal 200 are entrusted and interest is received therefor. Subscribing to a financial product includes agreement on the interest rate and interest payment method set by the financial system 100 .

The financial system 100 processes financial service subscription for the customer terminal 200 (S320) and transmits the completion of the subscription process to the customer terminal 200 (S330).

The customer terminal 200 transmits a search request for interest calculation results for the received product for which subscription processing has been completed (S340). At this time, the customer terminal 200 may proceed to step S340 by selecting a receive interest button using a user interface provided by an installed dedicated application.

Then, the financial system 100 calculates the interest amount for the customer terminal 200 according to the subscription conditions (S350), and provides information on the calculated interest amount to the customer terminal 200 (S360). Subsequently, the customer terminal 200 transmits an interest payment request to the financial system 100 (S370).

The financial system 100 pays the calculated interest amount (S380) and transmits the interest payment processing result to the customer terminal 200 (S390). Meanwhile, the financial system 100 may subtract and process taxes when processing interest payments.

In contrast, if the customer terminal 200 immediately transmits an interest payment request to the financial system 100 without step S340, the financial system 100 may immediately perform payment processing after calculating the amount of interest.

These steps (S340-S390) may be repeated multiple times on a date desired by the customer, and may be performed daily or intermittently within a period in which the subscription status of the received product is valid, for example. In addition, if interest is paid through multiple steps, the interest paid is added to the principal and becomes the principal and interest for the next interest calculation. Meanwhile, steps S340-S390 may be limited to once a day.

According to the prior art, the customer has been receiving principal and interest together on a date set by the financial institution. However, according to one embodiment of the present invention, since interest can be received on a date set by such a customer, interest income can be increased from a customer's point of view, and from a financial institution's point of view, the number of visits to a customer's financial institution can be increased, thereby increasing marketing for financial services. effect can be obtained. In addition, it can contribute to customer expansion by providing consumer-oriented financial services rather than existing supplier-oriented financial services.

The embodiments described above may be implemented as hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate (FPGA). array), programmable logic units (PLUs), microprocessors, or any other device capable of executing and responding to instructions. A processing device may run an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of software. For convenience of understanding, there are cases in which one processing device is used, but those skilled in the art will understand that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include. For example, a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. The device can be commanded. Software and/or data may be any tangible machine, component, physical device, virtual equipment, computer storage medium or device, intended to be interpreted by or provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program commands recorded on the medium may be specially designed and configured for the embodiment or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. - includes hardware devices specially configured to store and execute program instructions, such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with limited drawings, those skilled in the art can apply various technical modifications and variations based on the above. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved.

Claims (14)

A product subscription unit that receives and processes a subscription application for a financial product from a customer terminal;
A calculation unit that calculates the amount of interest on the financial product and transmits it to the customer terminal at the request of the customer terminal; and
A payment unit for processing payment of the calculated interest amount to the customer terminal at the request of the customer terminal
A financial system that includes In paragraph 1,
The request of the customer terminal is made in units of at least one day within the validity period of the financial product.
financial system. In paragraph 1,
The interest paid above is added to the principal and interest of the next interest calculation.
financial system. In paragraph 1,
The financial product includes a receiving product for receiving funds from the customer terminal
financial system. In paragraph 1,
The payment unit is to settle and process the tax from the calculated interest amount
financial system. In paragraph 1,
The product subscription unit,
Requesting consent to the conditions for the financial product from the customer terminal
financial system. As a method for a financial system to provide financial services to a customer terminal,
Receiving an application for joining a financial product from a customer terminal;
Performing subscription processing for the customer terminal;
Receiving an interest payment request for the financial product from the customer terminal;
Calculating an interest amount for the financial instrument; and
Paying the interest amount to the customer terminal
A financial service method comprising a. In paragraph 7,
Prior to the step of receiving the interest payment request,
Receiving a request for calculating the interest amount from the customer terminal
A financial service method further comprising a. In paragraph 7,
Wherein the interest payment request is made by selecting a button provided through an application installed in the customer terminal. In paragraph 7,
The interest payment request is made at least on a daily basis within the validity period of the financial product.
Financial services method. In paragraph 7,
The interest paid above is added to the principal and interest of the next interest calculation.
Financial services method. In paragraph 7,
The financial product includes a receiving product for receiving funds from the customer terminal
Financial services method. In paragraph 7,
Step of settling and processing tax from the calculated interest amount
A financial service method further comprising a. In paragraph 7,
requesting consent to the conditions for the financial product from the customer terminal;
A financial service method further comprising a.

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