KR100855380B1 - System for providing total financial service - Google Patents

Abstract

A system for providing a total financial service is provided to automatically transfer an amount deposited from a mother account to each child account and offer various kinds of financial services to a customer by establishing the mother account capable of permitting the customer to deposit/withdraw money and the child accounts capable of transferring the money with the mother accounts for each financial product. A mother account database(230) stores information of mother accounts. A child account database(240) stores the information of more than one child account applying a higher interest rate than the mother account. A main server(210) transfers an amount exceeding a reference amount to the child account based on the mother account information when the amount deposited in the mother account exceeds the reference amount. The main server pays the amount requested from a customer by transferring the insufficient amount to the mother account from the child account based on the child account database, and respectively storing the mother/child account related to transaction to the mother and child database when the balance of the mother account is short for the payment amount. A card database(220) stores each kinds of information of cards issued to a client when the client opens an account, and the information includes an IC card number, a card usage history, a card transaction member shop, card payment amount, card client information etc.

Description

System for providing total financial service

The present invention relates to a financial product service providing system, and more particularly, to an integrated financial service providing system that provides various financial services using a plurality of accounts.

In reality, personal financial transactions are made through financial institutions such as banks. In the past, individuals were usually directly visited by financial institutions and handled by their employees. Not only is it processed using an automated teller machine (ATM) or an automated cash dispenser (Cash Dispenser), but also financial transactions on the web are becoming more common with the development of the Internet. .

In financial transactions, bank accounts such as bank account (account) opening, deposit and withdrawal, account transfer (transfer), and bank account (account) withdrawal are conducted by bank account and ledger. Specific banking transactions such as cash transfers, remittances, and bank transfers are carried out.

In all these cases, the transaction details generated are recorded and managed in an online or offline financial transaction account. A bank account is a bank account or bank account or other securities firms, banks, credit cooperatives, etc., such as the storage of funds, trusts, and the receipt of funds to third customers, or loans and accumulation with other financial institutions, etc. In the case of conducting financial transactions, financial institutions are issued and provided to customers so that they can manage their funds effectively.

Financial institutions computerize the deposit and withdrawal of funds generated from all transactions with customers and store them on the host computer.The customer records and provides the customer's transaction details to the client terminal connected to the host computer. In the case of transactions made through the period, the transaction was processed through the financial institution network in real time.

However, in the conventional financial transaction, each customer has to open a plurality of accounts for each financial product service in order to receive a plurality of financial product services, so that the customer has a plurality of accounts for each financial product service in order to receive each financial product service. Should be opened one by one.

In addition, the account book opened for each account has to be managed separately because the bank account of the account must be managed separately for each financial transaction, there was a problem that the account book management is not easy.

The present invention was devised to improve the above-mentioned problems, and by opening a mother account capable of depositing and withdrawing from a customer and a magnetic account capable of account transfer with the mother account, the account is automatically transferred between the mother account and each magnetic account according to the amount deposited in the mother account. The objective is to provide a system for providing integrated financial services that enables transfers.

Another object of the present invention is to open a number of self-accounts that can be transferred to the mother account for each financial product to provide a variety of financial product services, such as high interest rate products or fund products.

Another object of the present invention is to manage both the mother account and the magnetic account using one IC card so that it is not necessary to open a bank account for each account, and to receive a variety of financial services using the IC card There is.

The present invention devised to achieve the above object is as follows. The integrated financial service providing system of the present invention includes a mother account DB for storing mother account information about a mother account, a DB account for storing magnetic account information for at least one or more magnetic accounts to which a higher interest rate is applied than the mother account, and the mother account. Card DB storing the card information for the IC card registered the magnetic account and when the deposit request, the mother account DB inquires the mother account information, if the amount received in the mother account exceeds the reference amount, the excess amount is the magnetic account If the balance is insufficient compared to the payment amount, if the mother account balance is inferior to the payment amount, the insufficient amount in accordance with the priority or the ratio of the account transfer to the selected parent account by the respective account in the account DB Inquire the magnetic account information and transfer the account from the magnetic account to the mother account to pay the payment amount. Withdrawal from the mother account, the magnetic account information and the mother account information in accordance with the financial transactions of the account and the mother account is stored in the magnetic account DB and the mother account DB, the card information according to the financial transaction of the magnetic account and the mother account card It characterized in that it comprises a main server that controls to update to the DB.

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The card information may include an IC card number, a card usage history, a card transaction affiliate, a card payment amount, and card customer information.

The main server extracts the reference amount from the mother account information stored in the mother account DB when the deposit request is made using the IC card, and if the amount deposited in the mother account exceeds the reference amount, the excess amount is recalled. After the account transfer to the account, it is characterized in that for updating the card information stored in the card DB.

When the withdrawal request is made using the IC card, the main server extracts the mother account information from the mother account DB, and if the mother account balance is insufficient compared to the payment amount, transfer the insufficient amount from the magnetic account to the mother account. After withdrawing the payment amount, it is characterized in that for updating the card information stored in the card DB.

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The magnetic account is characterized in that the interest rate of the magnetic account is applied differently according to the reference amount.

The magnetic account is characterized in that a higher interest rate is applied as the reference amount increases.

The magnetic account is characterized in that different interest rates are applied for each deposit period of the amount deposited in the magnetic account.

The magnetic account is characterized in that the interest rate is applied differently according to the financial products of the magnetic account.

The magnetic account is characterized in that paid in accordance with the first-in, first-out method when the interest payment according to the amount deposited in the magnetic account.

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The account transfer method between the mother account and the magnetic account is different from the case where the account is transferred from the mother account to the magnetic account and the case where the account is transferred from the magnetic account to the mother account.

The account transfer method when the account is transferred from the mother account to the magnetic account is characterized in that a ratio is set for each magnetic account and the account is transferred according to the ratio.

The account transfer method when the account is transferred from the mother account to the magnetic account is characterized in that the account is transferred to a pre-selected one of the magnetic account.

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The priority is characterized in that the magnetic account of the short-term goods of the magnetic account is preferentially transferred to the account.

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When the account is transferred from the magnetic account to the mother account, the number of times the account is transferred from the magnetic account to the mother account is counted, and if the counted number is equal to or more than a preset number of times for a preset time, the interest rate applied to the magnetic account is calculated. It is characterized by changing.

The account is made up of time deposits, free funds, Money Market Deposit Account (MMDA), Money Market Fund (MMF), Money Market Trust (MMT), Cash Management Account (CMA), Fund, and Repurchase Agreements (RP). It is characterized by any one.

According to the present invention configured as described above, by opening a mother account capable of depositing and withdrawing from a customer and a magnetic account capable of account transfer with the mother account, the account can be automatically transferred between the mother account and each magnetic account according to the amount deposited in the mother account. Through your account, you can receive a variety of financial product services such as high interest rate products and fund products.

In addition, it is possible to manage both the mother account and the magnetic account using one IC card so that it is not necessary to open a bank account for each account, it is possible to receive a variety of financial services using the IC card.

Hereinafter, an integrated financial service providing system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram of a system for providing integrated financial services according to an embodiment of the present invention.

As shown in FIG. 1, the integrated financial service providing system according to an exemplary embodiment of the present invention automatically transfers one mother account and the mother account, which is free of deposit and withdrawal, such as payroll, limit loan, deposit, fund, and card. A possible account is opened, and the account is transferred between the mother account and the account in accordance with the reference amount set in the mother account, the balance of the mother account and the method of account transfer.

In the case of the mother account, the above threshold amount is set. If the amount deposited in the mother account exceeds the threshold amount, the excess amount is transferred to the own account according to the set account transfer method. If the balance of the mother account is insufficient compared to the settlement amount, the funds are transferred from the own account to the mother account according to the account transfer method.

On the other hand, the account is divided into high interest rate account and investment type account, which includes time deposit, free fund, money market deposit account (MMDA), money market fund (MMF), money market trust (MMT) and cash management account (CMA). ), Funds, Repurchase Agreements, and other investment instruments. Therefore, through these magnetic accounts, customers can be provided with a variety of financial services, including the high interest rate products and investment-type products.

In particular, high interest rate accounts are differentially applied in accordance with the above-mentioned reference amount. In other words, the higher the reference amount, the higher the interest rate. In addition, the differential interest rate is applied according to the deposit period or the reference amount, and paid according to the first-in, first-out method when interest is paid according to the amount deposited in the account, and the division between the deposits is applied differently according to the financial instruments of the account.

In addition, since high interest rates are applied to a high interest rate account compared to the parent account, this can increase the interest income of a high interest rate from the customer's point of view, and financial institutions can induce deposits of higher than the reference amount to the mother account.

Fund-type accounts can conveniently manage the amount of money invested in the fund by the customer who wants to invest in the fund, and financial institutions can attract the amount invested in the fund.

2 is a block diagram of an integrated financial service providing system according to an exemplary embodiment of the present invention.

As shown in FIG. 2, the integrated financial service providing system according to an exemplary embodiment of the present invention includes a terminal 100 and a financial system 200.

The terminal 100 is connected to the Internet network to allow a customer to access the financial system 200 of a financial institution, and includes a personal computer (PC), a personal digital assistant (PDA), a mobile phone, and the like. .

The customer can check the account information for the mother account and the magnetic account opened by using the terminal 100 and the account transfer method related to the mother account and the magnetic account. In addition, the terminal 100 can be provided with various electronic banking services.

In the IC card, a mother account and a magnetic account opened by a customer are registered. The mother account is registered with one account, and preferably up to four magnetic accounts can be registered. In addition, the customer can select the registered mother account and magnetic account by using this IC card, and check the balance of the account corresponding to this account, deposit and withdrawal history, transaction history between financial institutions, and also transfer money, transfer and withdrawal, etc. You can conduct transactions with the same financial institution.
That is, the IC card stores the card information generated by the financial transactions of the magnetic account and the parent account, and allows the customer to perform various financial transactions through the IC card.

Here, performing the financial services and transactions with the financial institutions using the IC card and confirming the information on the transaction details are currently performed through an automatic bank transaction terminal arranged for each financial institution and easily performed by those skilled in the art. The detailed description thereof will be omitted here.

Therefore, through the IC card, the customer can conveniently manage each account without having to hold the accounts of the mother account and the magnetic account.

Next, the financial system 200 includes a main server 210, a card DB (Database) 220, a mother account DB 230, and a magnetic account DB 240.

The card DB 220 stores various card information issued to a customer at the time of opening an account. The card information includes an IC card number, a card usage history, a card transaction affiliate, a card payment amount, and card customer information.

The card DB 220 extracts the card information at the request of the main server 210 and transmits the card information to the main server 210, and updates and stores the card information input from the main server 210.

The mother account DB 230 stores the account information for the mother account opened by the customer, for example, the account number of the mother account, the reference amount, the balance, the interest, the account transfer history with the customer account and the deposit and withdrawal history with the customer.

The magnetic account DB 240 stores account information, for example, the account number, interest and balance of the magnetic account opened by the customer.

Finally, the main server 210 is connected to various network networks and connected to an Internet branch or mobile phone, an automatic bank transaction terminal, telebanking and affiliated stores to control the financial system 200 as a whole. In addition to registering this at the time of opening the account, and storing the customer information for the customer, for example, when the card payment service request and payment from the customer, the card usage history, card transaction merchants, After saving the card payment amount, etc., when the deposit and withdrawal request is made, the bank account transfers between the mother account and the mother account, and the balance of the mother account and the mother account and the transaction history between the mother account and the child account DB (230) ) And the magnetic account DB (240).

Here, the account transfer between the mother account and the magnetic account is made according to the reference amount of the mother account, the amount exceeding the reference amount, the account transfer method.

The standard amount is the standard amount that is transferred from the mother account to the account, and various amounts can be set according to the customer's choice when opening the mother account and the magnetic account. Account transfer to your account.

The account transfer method is set according to the customer's choice when the customer opens the mother account and the magnetic account, and determines the account transfer method when the account is transferred between the mother account and the magnetic account.The account transfer method applied when the account is transferred from the mother account to the account. It is divided into the account transfer method that is applied when transferring from an account to a parent account.

First, the account transfer method applied to the transfer of funds from the mother account to the child account may be set to deposit the excess amount according to this ratio by setting a ratio in each of the magnetic accounts for the excess amount, which is the customer According to the selection of the same can be set to the same for each account or differently. In addition, all of the magnetic accounts are not transferred to the account, it may be set to arbitrarily selected from among the account transfer. In addition, the selected magnetic account can be set to transfer the account at the same or different rates.

Next, the account transfer method applied when transferring the account from the mother account to the mother account may be set to give priority to the magnetic account and to transfer the account in preference to other magnetic accounts according to this priority. In this case, the priority may be to withdraw the magnetic account of short-term goods over other magnetic accounts, or may be given priority according to the customer's choice. In addition, it is possible to set the same or different ratios to each of the entire account, and to be set to transfer the account to the parent account according to this ratio.

In addition, the main server 210 has a different interest rate for the customer account provided to the customer for each reference amount, so that when the account transfers from the mother account to the account in excess of the reference amount, the reference amount to the amount transferred to the account Excess interest rates apply. In this case, the higher the reference amount, the higher the interest rate.

In particular, for high interest rate accounts, different interest rates are set for each period and reference amount, and when interest is paid according to the first-in, first-out method, the division of deposit period for high interest rate accounts is applied differently depending on the financial instruments of the consolidated account. Is set to be.

In addition, the main server 210 counts the number of times the account is transferred from the magnetic account to the mother account for each preset setting time, preferably monthly, and at this time, if the counted number is more than three preset settings, preferably three times Either lower interest rates or apply zero rates for the month.

The operation of the main server 210 will be described in detail with reference to FIGS. 3 to 5.

3 is a flowchart illustrating an account opening process according to an embodiment of the present invention.

In the account opening process according to an embodiment of the present invention, when the first customer inputs his or her own customer information and applies for the financial product service (S110), the main server 210 stores the input customer information, and the mother account and Open the account (S120) and stores the account information of the parent account and the magnetic account in the mother account DB (230) and the magnetic account DB (240). In this case, the magnetic account may select both a high interest rate account and an investment type account according to the customer's choice, or select either one.

When the mother account and the magnetic account are opened according to the selection of the customer, the account information for the mother account and the magnetic account is registered in the mother account DB 230 and the magnetic account DB 240 (S130).

Here, the mother account information includes account information about the mother account opened by the customer, for example, the account number of the mother account, the reference amount, the balance, the interest, and the account transfer history between the account, and the account information is the account opened by the customer Account information for, for example, the account number of the account, interest, balances are stored.

In addition, according to the customer's choice, and set the reference amount, the account transfer method from the mother account to the child account and the account transfer method from the magnetic account to the mother account (S140), and if the reference amount is set, the customer of the preset excess interest rate Set an excess rate corresponding to the selected threshold.

As such, when the account transfer method is set, it is possible to conduct transactions with financial institutions, such as the balance between the registered mother account and each child account, withdrawal details, transfers between financial institutions, overseas remittances, and so on. Issuing an IC card to the customer (S150) and stores the card information in the card DB (220).

As described above, the account transfer process through the opened mother account and the magnetic account will be described in detail with reference to FIGS. 4 and 5.

4 is a diagram illustrating a process of transferring an account from a mother account to a magnetic account according to an embodiment of the present invention.

Account transfer from the mother account to the child account occurs when the deposit amount exceeds the threshold amount of the mother account.The customer first transfers the account to the mother account through an Internet store, mobile phone, automatic banking terminal, telebanking, merchant, etc. When depositing a predetermined amount (S210), the main server 210 extracts the reference amount stored in the mother account DB 220, and determines whether the amount deposited in the mother account exceeds the reference amount (S220).

If it is determined that the amount deposited in the mother account does not exceed the threshold amount, the deposit and withdrawal details with the customer are saved and terminated. If the amount exceeded the threshold amount, the deposit and withdrawal details with the customer are saved, and the amount and account exceeding the threshold amount. Check the transfer method (S230).

As such, when the amount exceeding the standard amount and the account transfer method is confirmed, the excess amount is transferred to the own account according to the account transfer method (S240), and the account transfer history between the parent accounts DB 230 Store in

Therefore, according to the ratio set in each of the magnetic accounts for the excess amount, the account is transferred to the magnetic account for the excess amount, or the account is transferred only to the magnetic account selected from among the magnetic accounts. Or, the account is transferred to the selected magnetic account according to the set ratio among the magnetic accounts. This is done according to the customer's account transfer.

On the other hand, if the excess amount is transferred to a self-account, the excess interest rate corresponding to the reference amount is applied to the amount transferred to this account, and if the account is a high interest rate account, Different rates apply at different rates.

5 is a diagram illustrating a process of transferring an account from a magnetic account to a mother account according to an embodiment of the present invention.

Account transfer from one's account to the mother's account occurs when the balance of the mother's account is insufficient compared to the payment amount.The customer first deposits the mother's account in the mother's account through an Internet branch, a mobile phone, an automatic bank transaction terminal, a telebanking, or a merchant. If you want to withdraw the amount (S310), the main server 210 determines whether the balance of the mother account stored in the mother account DB (230) is insufficient compared to the customer payment amount (S320).

At this time, if the balance of the mother account is not insufficient compared to the payment amount, withdraw the payment amount and the deposit and withdrawal details and balance with the customer in the mother account DB 230 and ends.

On the other hand, if the balance of the mother account is insufficient compared to the payment amount, check the insufficient amount and account transfer method (S330), and transfer the insufficient amount to the mother account according to the priority given to the account, or to each of the entire account According to the set ratio, the amount insufficient to the mother account is transferred to the mother account (S340). This is done according to the customer's account transfer.

Thereafter, the balance of the mother account and the account transfer history from the mother account to the mother account are stored in the mother account DB 230, and the remaining balance after the account transfer to the mother account DB 240 is stored.

As described above, the integrated financial service providing system according to an embodiment of the present invention is provided with a mother account capable of depositing and withdrawing a customer and a plurality of magnetic accounts capable of providing a high yield to the customer, and the reference amount when depositing and withdrawing the mother account; According to the balance of the mother account and the account transfer method, the account transfer is automatically made between the mother account and the child account.

The present invention is not limited to the above-described embodiments, and various modifications can be made within the scope of the technical idea of the present invention.

1 is a conceptual diagram of an integrated financial service providing system according to an embodiment of the present invention.

2 is a block diagram of an integrated financial service providing system according to an embodiment of the present invention.

3 is a flow chart showing the account opening process according to an embodiment of the present invention.

4 is a diagram illustrating a process of transferring an account from a mother account to a magnetic account according to an embodiment of the present invention.

5 is a view showing a process of account transfer from the magnetic account to the mother account according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: terminal 200: financial system

210: main server 220: card DB

230: mother account DB 240: child account DB

Claims (21)

A mother account DB that stores mother account information for the mother account; A magnetic account DB that stores magnetic account information for at least one magnetic account to which a higher interest rate is applied than the mother account; A card DB for storing card information on the IC card in which the mother account and the magnetic account are registered; And When the deposit request is made, the mother account information is queried from the mother account DB. If the amount deposited in the mother account exceeds the reference amount, the excess amount is transferred to the account, and when the withdrawal request is made, the mother account balance is inquired. If the amount is insufficient compared to the payment amount, the amount is insufficient according to the priority or the ratio of the account transfer to the selected parent account by each account, the account information in the account from the account DB to transfer the account from the account to the mother account And withdraw the payment amount from the mother account, and store the account information and the mother account information according to the financial transaction of the account and the mother account in the account and the mother account DB, the financial transaction of the account and the mother account When providing integrated financial services including a main server that controls to update the card information to the card DB accordingly Stem. delete The integrated financial service providing system of claim 1, wherein the card information includes an IC card number, a card usage history, a card transaction affiliate, a card payment amount, and card customer information. The method of claim 3, wherein the main server extracts the reference amount from the mother account information stored in the mother account DB when the deposit request is made using the IC card, and when the amount deposited in the mother account exceeds the reference amount, Integrated banking service system, characterized in that for updating the card information stored in the card DB after transferring the excess amount to the account. The method of claim 3, wherein when the withdrawal request is made using the IC card, the main server extracts the mother account information from the mother account DB. And withdrawing the payment amount by transferring the account to the mother account, and updating the card information stored in the card DB. delete delete The integrated financial service providing system of claim 1, wherein interest rates of the magnetic accounts are applied differently according to the reference amount. The integrated financial service providing system of claim 8, wherein a higher interest rate is applied as the reference amount increases. The integrated financial service providing system of claim 8, wherein different interest rates are applied to the magnetic account for each deposit period of the amount deposited in the magnetic account. The integrated financial service providing system of claim 1, wherein the interest rate is differently applied according to the financial product of the magnetic account. The system of claim 1, wherein the magnetic account is paid according to a first in, first out method when interest is paid according to the amount deposited in the magnetic account. delete The method of claim 1, wherein the account transfer method between the mother account and the magnetic account is applied differently when the account is transferred from the mother account to the magnetic account and when the account is transferred from the magnetic account to the mother account. Financial Service Delivery System. delete delete delete The system of claim 1, wherein the priority of the account is that the account of the short-term commodity of the account is prioritized. delete The method of claim 1, wherein when the account is transferred from the magnetic account to the mother account, the number of times the account is transferred from the magnetic account to the mother account is counted. Integrated financial services providing system, characterized in that for changing the interest rate applied to the account. The method of claim 1, wherein the magnetic account includes a time deposit, a free deposit, a Money Market Deposit Account (MMDA), a Money Market Fund (MMF), a Money Market Trust (CMT), a Cash Management Account (CMA), a fund, Integrated financial services providing system, characterized in that any one of the RP (Repurchase Agreements).

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