KR100864995B1 - A system and a method for banking service in which drawing one's savings from the bank is only possible with approval of the member - Google Patents

Abstract

The present invention relates to a financial service system and a method thereof, wherein the account can be withdrawn only upon the consent of each member.

The present invention, the withdrawal request from each member's terminal and the notification function that informs that the withdrawal request to the terminal of each member for a specific account account information and a database that stores each member information is set to require the withdrawal of the member A communication device that performs a reception function for receiving a consent message for the member; and if the account requested to be withdrawn is set to require the consent of the members, the communication device performs a notification function for each member's terminal; It is characterized in that it comprises a computer of a financial institution that approves the withdrawal only when receiving a message that agrees to withdrawal from all members as a result of performing the receiving function.

By using the present invention, distrust of members can be eliminated in group fund management such as alumni association or social gathering, and even an administrator who manages the account cannot attempt to withdraw funds for illegal use. This allows transparent management of accounts with multiple interests.

Financial institution, bank, account, withdrawal, agreement

Description

A system and a method for banking service in which drawing one's savings from the bank is only possible with approval of the member}

1 is a schematic diagram for explaining a concept of the present invention;

2 is a block diagram of a financial service system according to the present invention;

3 is a flowchart of a financial service method according to the present invention;

4 is a detailed configuration diagram of a financial service system according to the present invention;

5 is a schematic diagram of a consent procedure using a mobile phone.

* Explanation of symbols for the main parts of the drawings

11: Computers at Financial Institutions 11-1: Web Servers

11-2: mail transmission means 11-3: text message processing means

11-4: Automatic Response System (ARS) 12: Database

20: communication device 21: Internet

22: Mobile communication system 22-1: SMS server

23: public telephone network (PSTN) 30: member's terminal

31: Mobile phone 32: Personal computer (PC)

33: telephone

The present invention relates to a financial service system and a method thereof. In particular, when a withdrawal request is made for an account that manages a plurality of funds collectively, such as an account for managing operating funds such as alumni or social gatherings, the account is opened. Banks are concerned with financial services systems and methods that require the consent of preset stakeholders and approve withdrawals only with the consent of all members.

In general, customers using financial institutions, such as banks, open accounts according to the agreements with financial institutions, deposit the accounts from time to time or regularly, and withdraw funds by requesting withdrawals from the current balance. Here, the request for withdrawal shall be used as a generic term for all cases where the balance of the account should be deducted, such as a request for cash payment as well as a request for transfer to another account.

On the other hand, customers of financial institutions open accounts to manage personal funds, but often open to manage funds paid from plural people such as reunions and various social meetings. In this case, the funds are managed by opening an account under the name of the representative who manages the funds management of the group, and the members who belong to each group and pay the dues are virtually impossible to participate in the management of the funds. Will be assigned to manage the funds.                         

For this reason, it is very difficult for a group member to block funds in advance even if the manager who manages the account privately withdraws the funds for fraudulent purposes. In addition, the manager's fraudulent withdrawals are mostly identified only after a considerable amount of time has elapsed.

This unpleasant thing is actually happening so little that it is a reason for creating distrust among members of the group. Therefore, there is a great need for more transparent management of group operation funds and to resolve unnecessary distrust and suspicion among members of healthy organizations.

Therefore, the present invention has been proposed to solve the above problems, but provides a withdrawal service from the account at the request of the customer, when withdrawal from a specific account is requested to obtain the consent of all the members set, Its purpose is to provide a financial services system and method that allows approval of withdrawal requests only with the consent of all members.

In order to achieve the above object, the financial service system according to the present invention includes a database for storing the account information and the member information for each account is set to require the consent of the member to withdraw; A communication device performing a notification function for notifying that a withdrawal request is made to each member's terminal for a specific account, and a reception function for receiving a consent message for the withdrawal request from each member's terminal; And if the account requested to be withdrawn is set to require the consent of the member, perform the notification function for the terminal of each member indicated by the member information through the communication device, and as a result of performing the receiving function, each member It is characterized by including a computer of the financial institution that approves the withdrawal only when receiving a message to agree to withdrawal from all.

Communication with each member of the account through the communication device can be configured in various ways, it is preferable to request a consent by sending a text message to each member's mobile phone, if the withdrawal request is not urgent It can also be used to request consent by giving notice.

In addition, the method of receiving a reply on whether or not to consent from each member, it is preferable to allow each member to immediately respond in the form of a text message using a mobile phone, access through the wired / wireless Internet whether to agree on the Internet It may be configured to allow the user to enter an informing message or to enter an agreement by accessing an automatic answering system (ARS) through a specific telephone number.

Meanwhile, in the financial service method according to the present invention, the computer of the financial institution sets a member's consent to be withdrawn to a specific account at the request of a customer, and is a member who can communicate with the member through a specific communication medium. A first procedure of receiving information and storing the information in a database; A second procedure for investigating whether the computer of the financial institution is set to require a member's consent to withdraw from the account when a withdrawal from a specific account is requested; A third step of the computer of the financial institution communicating with each member of the corresponding account by using the member information stored in the database according to the survey result and receiving whether to agree to the requested withdrawal; And a fourth procedure of approving the requested withdrawal from the corresponding account only when the computer of the financial institution receives a message that all the members agree to withdrawal through the third procedure.

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

1 is a schematic diagram of a service according to the present invention, when a customer who manages funds of an organization such as a reunion or a social gathering opens an account at a financial institution 10, each member 30 agrees to withdraw money from the account. Set to required. Here, the members who can agree to the withdrawal can be arbitrarily set according to the decision of the group, and not all members must be members, but only the executives may be set as members on the agreement.

Meanwhile, when a withdrawal from the corresponding account is requested, the financial institution 10 contacts the predetermined members 30 and asks whether the financial institution 10 agrees with the withdrawal request. In response to the inquiry of 10), answer whether or not to accept the withdrawal. In addition, the financial institution 10 approves the withdrawal request only if all members agree.                     

At this time, the withdrawal request in the account may be a request with time, or may be a request that needs to be urgently withdrawn. Accordingly, various consent procedures can be configured within the scope that does not require excessive time and cost of consent.

A financial service system according to the present invention will be described with reference to FIG. 2.

The database 12 is an element that stores account information and member information for each account, which are set to require the consent of members for withdrawal.

Here, the account information requiring the consent of the members may be managed separately from the general account information, of course, may be managed by specifying a specific mark on the conventional account information. In addition, the member information refers to a variety of member-related information required for the implementation of the present invention, such as personal information of the member, communication information for communicating with the member and receiving a response regarding the consent.

The information stored in the database 12 may be registered by a customer visiting a financial institution directly, but may be received online through a communication medium such as the Internet as described below.

When the withdrawal is requested from the account that requires the consent of the members for withdrawal, the communication device 20 provides a notification function for notifying that the withdrawal request is made to the terminal 30 of each member of the account, and the terminal 30 of each member. A reception function of receiving a consent message for a withdrawal request from the mobile station is performed.                     

In other words, it is a component that performs communication with actual customers. The configuration of the communication device 20 may vary depending on what means are used to obtain the consent of the members, as described below.

In addition to the conventional functions, the computer 11 of the financial institution that implements the present invention is a terminal of each member indicated by the member information through the communication device 20 when the account requested for withdrawal is set to require the consent of the members. It is notified that the withdrawal function is performed only when the communication device 20 performs a receiving function and receives a message agreeing to withdrawal from all members as a result of performing the receiving function.

Referring to Figure 3, the financial service according to the present invention will be described in detail in terms of procedural.

First, the computer 11 of the financial institution sets the member's consent to be withdrawn to a specific account at the request of a customer, and sets member information including information for communicating with each member through a specific communication medium. The input is stored in the database 12 (first procedure: S100).

On the other hand, when the withdrawal from the account is requested, the computer 11 of the financial institution checks the database 12 and checks whether the agreement of the members is required to withdraw from the account (second step: S200). .                     

The computer 11 of the financial institution operates in accordance with a general withdrawal procedure when it is determined that the consent of the members is required for withdrawal as a result of the investigation in the second procedure S200. However, if consent is set as required, the member information stored in the database 12 is used to communicate with each member of the corresponding account to receive the consent for the requested withdrawal (step 3: S300). ).

On the other hand, if the financial institution's computer 11 obtains the consent of the members of the account in the third process (S300), and only if the member receives a message that agrees to withdrawal from the account, and approves the withdrawal from the account. If not, do not approve the withdrawal from the account (step 4: S400). At this time, if necessary, the customer who requested the withdrawal from the account may inform the result of who did not agree.

Now, an embodiment receiving consent from each member will be described in detail with reference to FIG. 4.

A first embodiment of the above-described notification function is to inform each member's mobile phone of information related to the withdrawal request in the form of a text message. At this time, the member information stored in the database 12 includes the mobile phone number of each member, and the communication device 20 generates a text message relating to the withdrawal request and transmits it to the mobile phone 31 of each member for notification function. Will be performed.                     

To describe the first embodiment in detail, the text message processing means 11-3 interworking with the computer 11 of the financial institution generates a text message for briefly informing each member of the current withdrawal request, and the database. Send to the mobile phone number of each member stored in (12). Then, the mobile communication system 22 providing a mobile communication service is transmitted to each member's mobile phone 31. The mobile communication system 22 is a short message server (SMS server) for transmitting and receiving text messages. Server). This short message transmission function is already well known and used technology, so a detailed description thereof will be omitted.

The second embodiment of the notification function is to inform each member by e-mail of information related to the withdrawal request. This method can be effectively used when the withdrawal request is not urgent.

At this time, the member information stored in the database 12 includes an e-mail address of each member, and the communication device 20 generates an e-mail message relating to the withdrawal request and sends an e-mail to each member via the Internet. By sending a message, the notification function is performed.

To describe the second embodiment in detail, the mail transmission means 11-2 automatically generates a mail body for informing the user of the currently requested withdrawal request, and sends it to the email address of each member via the Internet 21. Then, the transmitted email is transmitted to the member's computer 32 through the mail server 24 that manages the member's mail.                     

On the other hand, after receiving a message indicating that the current withdrawal is requested to each member through the first embodiment and the second embodiment, the "receiving function" to receive a response on whether or not consent from each member should proceed.

The third embodiment, which is an embodiment of the reception function, uses the wired / wireless Internet. The web page for processing the response regarding the consent may be implemented on the home page of the financial institution.

At this time, the member information of the database 12 includes member identification information for determining whether there is an internet connection and a consent authority for the corresponding account. That is, each member is notified that there is a withdrawal request, and then accesses a specific Internet site. In addition, the access request information may be accessed using its own access authority information (eg, login information), and then the response may be agreed.

To describe the third embodiment in detail, the communication device 20 includes a web server 11-1, an internet 21, and the like which operate a wired / wireless internet home page. The web server 11-1 interworks with the computer 11 of the financial institution and connects with the terminals 31 and 32 of each member through the wired Internet (or wireless Internet) 21. Then, a message regarding whether or not to consent is received from the terminal 31, 32 of each member whose authority is confirmed through the member identification information. Of course, the message on whether or not the consent is received is transmitted from the web server 11-1 to the computer 11 of the financial institution, the web server 11-1 may be installed independently of the financial institution, but the web hosting company Of course, it could be a server implemented in.                     

The fourth embodiment, which is an embodiment of the reception function, allows each member to transmit a signal regarding consent whether or not to use a mobile phone 31 of the member to be transmitted in a text message form from the mobile phone 31 of the member to the financial institution. Can be.

This fourth embodiment can be advantageously implemented by combining with the notification function using the mobile phone described above. That is, the message transmitted to the mobile phone 31 of each member by the notification function of the communication device 20, when the member receives a message on the mobile phone by pressing a specific key to enter the agreement or not with their identification information It is configured to send a message about whether to agree automatically. Since such a program is already known and used, a detailed description thereof will be omitted.

Referring to FIG. 5, information such as a bank name, account information, a withdrawal request amount, and a key related to agreement is displayed on a mobile phone screen 31-1 of a member who has received a message indicating that there is a withdrawal request. At this time, if a member inputs a key defined by consent or disagreement, the member identification information and consent message are transmitted through the mobile communication system 22 and the SMS server 22-1, and the text message processing means 11-3. Is transmitted to the computer 11 of the financial institution. Here, the member identification information is a code for confirming who the agreement is from when the financial institution receives this message, which may be a mobile phone number or a code that is specially inserted when performing a notification function.

The fifth embodiment, which is an embodiment related to the reception function, uses an automatic response system (ARS) that is widely used at present.                     

Specifically, the computer 11 of the financial institution transmits the details of the current withdrawal request to the automatic response system 11-4 at the same time as a notification to each member through the communication device 20. In addition, the automatic answering system 11-4 provides a voice guidance about the withdrawal request to the telephone terminals 31 and 33 of the members connected through the mobile communication system 22 or the public telephone network 23, respectively. After receiving the consent of the members, it is transmitted to the computer 11 of the financial institution. That is, the member's point of view is to call the automatic response system 11-4 at any time and give a response as to whether or not to agree.

On the other hand, even if the withdrawal from a particular account requires the consent of the members, it is preferable to limit the consent to obtain only when there is an appropriate reason to obtain consent, rather than having to agree with each withdrawal request.

That is, the database 12 further stores "agreement conditions" that require the consent of the members to withdraw the account. Here, the agreement condition may be the amount of withdrawal, the total amount of withdrawals by period, the waiting time for waiting for consent and the processing method when there is no reply on whether to agree during the waiting time.

For example, you will only receive consent if you request a withdrawal of more than $ 100. It means the condition that the consent is obtained only when the total withdrawal request amount for one month is more than 500,000 won, or it is treated as agreed (or disagreeed) if there is no response within 24 hours. Here, the terms of agreement are not necessarily limited to the above-mentioned examples.                     

In this case, the computer 11 of the financial institution may receive the consent only if the account for which the withdrawal is set to require the consent of the members is satisfied, even if the agreement condition for the corresponding account is satisfied.

As described above, the database 12 must store member information (or agreement condition, etc.) necessary for applying each embodiment. As described above, the member information may be received offline by the customer visiting the financial institution directly, but it may be more convenient to receive the information online.

That is, the computer 11 of the financial institution interworks with the web server 11-1, and the web server 11-1 connects with the terminals 32 and 31 of the customers through the wired Internet (or wireless Internet) 21. After verifying the authority through the member identification information, it is possible to operate a home page that enables the user to decide whether to withdraw the specific account to require the member's consent, and to add / delete / update the member information. do.
In the above, the financial service system and method that can be used for withdrawal of accounts with the consent of multiple members have been described. However, it is obvious that the same system and method can be used for a general account having one member. In other words, by using the same financial service system and method described above, when a withdrawal request for the account is requested, the withdrawal message can be sent to the corresponding account holder, and a response message for consent or not can be approved and the withdrawal can be approved. .

By using the present invention, distrust of members can be eliminated in group fund management such as alumni association or social gathering, and even an administrator who manages the account cannot attempt to withdraw funds for illegal use. This allows transparent management of accounts with multiple interests. In addition, financial institutions such as banks can also attract funds from many organizations.
The present invention can be applied to a general account in which an individual manages his own funds as it is, and can prevent fraudulent withdrawal from the account.

Claims (13)

A financial service system that provides withdrawal services from an account at the request of a customer, Withdrawal includes a database for storing account information set to require consent of members and member information for each account; A communication device performing a notification function for notifying that a withdrawal request is made to each member's terminal for a specific account, and a reception function for receiving a consent message for the withdrawal request from the terminal of each member; And If the account requested to be withdrawn is set to require the consent of the member, the notification function is performed for the terminal of each member indicated by the member information through the communication device, and the communication device performs the reception function. As a result, the financial service system comprising a computer of a financial institution that approves the withdrawal only when receiving a message to agree to withdrawal from each member. The method of claim 1, The member information includes a mobile phone number of each member; And the communication device performs the notification function by generating a text message relating to the withdrawal request and transmitting the text message to the mobile phone of each member through the corresponding mobile communication system. The method of claim 1, The member information includes an e-mail address of each member, And the communication device performs the notification function by generating an e-mail message relating to the withdrawal request and sending the e-mail message to each member via the Internet. The method of claim 2 or 3, The member information includes member identification information for determining whether the user has permission to consent to the account when accessing the Internet. The communication device performs the reception function by accessing a terminal of each member through a wired or wireless internet and receiving a message regarding whether to agree from the terminal of each member whose authority is verified through the member identification information. Financial services system. The method of claim 2, The message sent to the mobile phone of each member by the notification function of the communication device, when the member receives a message on the mobile phone and enters the agreement by pressing a specific key, a message regarding his or her identification information and consent is automatically Financial service system, characterized in that configured to be sent to. The method according to claim 2, 3 or 5, The communication device performs the receiving function by receiving a text message regarding whether or not to agree with each member's identification information from the mobile phone of each member through a mobile communication system. The method of claim 2 or 3, The communication apparatus performs the reception function through an automatic response system (ARS) that receives the consent of each member while guiding the withdrawal request through voice. . The method of claim 1, The member information includes member identification information for determining whether there is a setting authority for a corresponding account when accessing the Internet. The computer of the financial institution accesses the terminal of the customer via wired or wireless Internet to check the authority through the member identification information, and then decides whether to set the member's consent to be required to withdraw a specific account, and the member Financial service system characterized in that it works in conjunction with a web server that can add / delete / update information. The method of claim 1, The database further stores an agreement condition requiring member's consent for the withdrawal of the account, wherein the agreement condition is when the withdrawal amount, the total amount of withdrawals by period, waiting time for consent, and there is no reply about the agreement during the waiting time. Contains one or more conditions of the processing method of, The computer of the financial institution is configured to perform a function of receiving consent only if the account requested to be withdrawn is set to require the consent of the member only if all of the terms of the agreement for the account are satisfied. system. A financial service method for providing a withdrawal service from an account at the request of a customer, A first procedure of setting, by the computer of the financial institution, that the member's consent is required to withdraw the specific account at the request of the customer, and receiving member information capable of communicating with the member through a specific communication medium; A second procedure for checking whether the computer of the financial institution is set to require a member's consent to withdraw from the account when a withdrawal from the account is requested; A third step of the computer of the financial institution communicating with each member of the corresponding account by using the member information stored in the database according to the survey result and receiving whether to agree to the requested withdrawal; And And the computer of the financial institution includes a fourth procedure of approving the requested withdrawal from the corresponding account only when receiving the message that all the members agree to the withdrawal through the third procedure. The method of claim 10, The member information includes a mobile phone number of each member; The third procedure includes a notification step of transmitting information about a withdrawal currently requested to a mobile phone number of a corresponding member through a mobile communication system in a text message, and a reception step of receiving a message indicating whether to consent from the mobile phone of the corresponding member. Financial service method comprising the. The method of claim 10, The member information includes a mobile phone number of each member; The third procedure is a notice for transmitting the information on the currently requested withdrawal to a mobile phone number of the member via a mobile communication system in a text message, and transmitting the information on the currently requested withdrawal to an automatic response system (ARS). And a receiving step of receiving a message informing whether or not each member agrees through the automatic response system. The method of claim 10, The member information includes a mobile phone number of each member; The third step is a notification step of transmitting the information on the currently requested withdrawal to the member's mobile phone number via a mobile communication system in a text message, and posting the information on the currently requested withdrawal on a specific Internet home page; And a receiving step of receiving a message informing whether or not each member agrees through the home page.

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