KR101187049B1 - Method and apparatus for operating reserve fund account in bank server, and computer readable medium thereof - Google Patents

Abstract

The present invention relates to a method, a device and a recording medium for operating a deposit account at a bank server, the method comprising: receiving and processing a deposit deposit service request for a mother account; When the reserve is deposited into the mother account, allocating the sub account attached to the mother account to the customer who deposited the reserve, and associates the mother account and the sub account to register in the ledger; Depositing the deposit deposited in the mother account into the sub account assigned to the customer, recording the ledger, and independently calculating the deposit interest generated in the sub account; And when the mother account or sub account expires or terminates, withdrawing deposits deposited in the sub account and deposit interest arising from the sub account or transferring it to another account of the customer, thereby making bidding of government and public institutions. It is effective to induce the opening of an account for storing auction deposits, storing joint investments by governments in which the burden is divided, or collecting membership fees for groups or associations.

Description

Method and apparatus for operating reserve fund account in bank server, and computer readable medium, including the method, device, and program for executing the deposit deposit account in a bank server.

The present invention relates to the operation method, device and recording medium of the deposit deposit account, and more particularly, to ensure that the deposit interest arising from the deposit deposited in the mother account equally returned to each depositor, the bidding / auction deposit received by the government and public institutions Method, device for operating a deposit account in a bank server that induces the opening of accounts for the collection of joint investments by governments, etc., or the collection of dues by groups or associations And a computer readable recording medium having recorded thereon a program for executing the method.

When countries and public institutions collect and return transaction deposits such as bids and auctions, it is quite difficult to calculate deposit interest for each bidder. Therefore, the deposit bank of the transaction deposit only returns the transaction deposit principal, which may result in a complaint of the bidder.

In addition, various groups / associations / clubs have difficulty managing the return of dues for the withdrawn members since it is impossible to calculate interest generated for each member's membership period when the membership is withdrawn.

In addition, since the special interest rate is applied according to the size of the deposit, the small depositor has a relatively low interest rate compared to the high depositor, there is a problem that can cause a large complaint of the small depositor.

In addition, the conventional meeting / dues passbook, etc. may use a virtual account for the deposit, but this is only a simple storage-only account provided limited to the depositor verification function, there is a problem that the merchandise and utility is extremely poor.

The technical problem to be solved by the present invention is a transaction deposit such as bidding / auctions in the state, public institutions, etc., the receipt of joint investments of the government, such as the government is divided into two, or dues paid by members from various organizations / associations / clubs, etc. Likewise, it is possible to open an account for depositing reserves by assisting multiple clients to equally return deposit interest earned from the amount accumulated in a single mother account (hereinafter referred to as 'reserve') for a given purpose. It is to provide a method, a device and a record medium to operate a deposit account to induce the financial support and to resolve the customer's complaint.

In addition, the technical problem to be solved by the present invention, a plurality of small depositors to support a high interest rate benefits through a joint purchase account, a method and apparatus for operating a deposit deposit account to secure a plurality of deposits and customers And a recording medium.

In addition, the technical problem to be solved by the present invention is a method, apparatus and method for operating a deposit deposit account to transparently manage the funds for members, such as the association, to improve the rights of member customers and transparency of the funds management of the association and It is to provide a recording medium.

In order to solve the above technical problem, a method of operating a deposit deposit account in a bank server according to an embodiment of the present invention, the process of receiving a subscription deposit service request for the mother account subscription process; When a deposit is deposited into the mother account, allocating a sub account attached to the mother account to the customer who deposited the deposit, and registering the mother account and the sub account in association with the ledger; Depositing the deposit deposited in the mother account into a sub account assigned to the customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And when the mother account or the expiration or termination of the sub-account, withdrawal processing or deposit interest deposits generated in the sub account and processing the transfer to the other account of the customer; It is done.

The deposit deposit service application may be received through a wired / wireless communication network including internet banking, mobile banking, or phone banking, or a bank terminal directly connected to the bank server.

Receiving and applying for a deposit deposit service request for the mother account includes receiving reference information indicating a criterion for allocating the subaccount, wherein the reference information includes a depositor's name, a depositor's account number, and a depositor's telephone. It may include at least one or more of the number, or the resident registration number.

The method includes providing current information about deposits deposited in the mother account, deposit interests generated in the mother account, deposits processed in the sub account, and deposit interests generated in the sub account to the account holder of the mother account. It may further comprise a step.

The method may further include recording the result of the withdrawal process or the transfer process with respect to the mother account in the ledger.

The method may further include providing a result of the withdrawal process or the transfer process to the account holder terminal of the mother account or the terminal of the customer.

In addition, in order to solve the above technical problem, the operating device of the deposit account in the bank server according to an embodiment of the present invention is a deposit deposit subscription processing unit for receiving and processing the deposit deposit service request for the mother account; A sub account allocating unit for allocating a sub account attached to the mother account to the customer who deposited the deposit, and registering the sub account with the mother account in association with the mother account; A sub account management unit which deposits the deposit deposited into the mother account into a sub account assigned to the customer, records the deposit in the ledger, and independently calculates the deposit interest generated in the sub account; And a withdrawal processing unit for withdrawing or depositing the deposit accumulated in the sub account and deposit interest generated in the sub account when the mother account or the sub account expires or terminates, or transfers it to another account of the customer. It is done.

In addition, in order to solve the above technical problem, a computer-readable recording medium recording a program for executing a method of operating a deposit account in the bank server according to an embodiment of the present invention is a deposit account service for the mother account Receiving an application and processing a subscription; When a deposit is deposited into the mother account, allocating a sub account attached to the mother account to the customer who deposited the deposit, and registering the mother account and the sub account in association with the ledger; Depositing the deposit deposited in the mother account into a sub account assigned to the customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And when the mother account or the sub account expires or terminates, withdrawal processing or deposit interest earned in the sub account and processing the transfer to the other account of the customer; do.

According to an embodiment of the present invention, by assigning a sub-account for each customer to the deposits accumulated in the mother account by managing the deposit interest separately, it is possible to induce the opening of accounts for depositing deposits and to resolve the complaints of customers It has an effect.

In addition, according to an embodiment of the present invention, a plurality of small depositors have the effect of inducing the establishment of a joint purchase account to enjoy a high interest rate benefits.

In addition, according to an embodiment of the present invention, there is an effect that the money management for members such as associations can be made transparent, and the rights of member customers and the transparency of the money management of the associations can be improved.

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

1 is a block diagram showing an entire reserve operating system including a reserve deposit account operating apparatus according to an embodiment of the present invention.

Referring to FIG. 1, a reserve operating system according to an embodiment of the present invention includes a bank server 100, a customer terminal 150: 152, 154, 156, 158, and a bank terminal 160: 162, 164. The bank server 100 and the customer terminal 150 are connected to each other through a network 132 such as an internet network, a mobile communication network, or a telephone line. The bank server 100 and the bank terminal 160 are connected to each other through a dedicated communication network 142.

The customer terminal 150 is a terminal for accessing the bank server 100 through internet banking, mobile banking, or phone banking, and performing general financial transactions such as deposits, withdrawals, and transfers. The customer terminal 150 may be, for example, a personal computer, a mobile phone, a PDA, a landline phone, or the like.

Among the customer terminals 150, the mother account holder terminal 152 transmits a deposit deposit service application for the mother account to the bank server 100 via the network 132.

Here, the parent account holder may receive a high interest rate benefit from, for example, a country, a public institution that receives a transaction deposit such as a bid or an auction, or a group, an association, a club, or a plurality of small depositors who receive a fee paid by a member. It may be the account holder of the joint purchase account that receives the small deposits in the joint purchase account opened to enjoy. In addition, reserve deposit service application means that the account holder of the mother account to apply for the service to the deposit account management device and method according to the present invention.

In addition, the customer terminals 154, 156, 158, except for the mother account holder terminal 152, are terminals connected to bidders / auctioners who want to pay a bid / auction deposit to a state or a public institution, or intend to pay joint investment support when the paying agents are divided. It may be a terminal to which a government and a co-investor, etc. are connected, a terminal to which a member who wants to pay dues to various groups, associations, or clubs is connected, or a terminal to which a small depositor who wants to pay a small deposit to a joint purchase account is connected.

The bank terminal 160 is a terminal installed at a bank window and connected to the bank server 142 through a dedicated communication network 142. The bank terminal 160 may be, for example, a personal computer or an ATM for a bank teller. The mother account holder may transmit a deposit deposit service application for the mother account to the bank server 100 through the bank terminal 160.

Bank server 100 is a device for processing a variety of financial transactions, including deposits, withdrawals, transfers, etc. at the request of the customer terminal 150 or the bank terminal 160, and also deposited from a plurality of customers in accordance with the present invention It is a device that processes the sub account management of the reserve. To this end, the bank server 100 includes a deposit account management device 110, a bank database 120, a network interface 130, and a communication interface 140.

The network interface 130 is a device for connecting the customer terminal 150 and the bank server 100 through the network 132.

The communication interface 140 is a device for connecting the bank terminal 160 and the bank server 100 through a dedicated communication network 142.

Reserve deposit account management device 110 is a device for separately managing the deposit interest by allocating a sub-account for each customer with respect to the reserves accumulated in the mother account according to the application of the mother account holder, reserve deposit subscription processing unit 112 , The sub account assigning unit 114, the sub account operating unit 116, and the withdrawal processing unit 118.

Reserve deposit subscription processing unit 112 receives a deposit deposit service application for the mother account from the mother account holder terminal 152 or the bank terminal 160 to process the subscription. Reserve deposit service application is received through a wired or wireless network 132 including Internet banking, mobile banking, or phone banking, or through a bank terminal 160 directly connected to a bank server 160 by a dedicated communication network 142. Can be.

In addition, the reserve deposit subscription processing unit 112 may receive subscription information for subscription processing of the service from the mother account holder terminal 152 or the bank terminal 160.

The subscription information of the service may include, for example, the personal information of the parent account holder, the personal information of the customer who will accumulate the reserve, or reference information indicating a standard for allocating a sub account to the customer. The reference information may be, for example, a customer name, a customer account number, a customer phone number, a customer social security number, or the like.

If the reference information is a customer name, for example, the parent account holder applying for the service may set the 'customer name' itself as the reference information. In this case, the sub account assigning unit 114 to be described later may allocate a separate sub account to each customer having a different name based on the name of the customer who deposited the reserve. As another example, the parent account holder applying for the service may pre-populate the name of a real customer (for example, 'Hong Gil-dong', 'Kim Yu-na', 'Park Ji-sung') as the reference information. have. In this case, the sub account assigning unit 114 to be described later may allocate the sub account only when the name of the customer who deposits the reserve coincides with the name of the customer (that is, the reference information) previously input.

The sub account assigning unit 114 allocates a sub account attached to the mother account to the customer who deposited the reserve, based on the customer's reference information, when the deposit is deposited into the mother account. In addition, the sub account assigning unit 114 registers the mother account and the allocated sub account in the ledger 122 of the bank database 120. Here, the sub account is not a real account that the assigned customer can actually use as his account, but is a virtual account that is virtually allocated to separately manage the reserves for each deposit customer. Therefore, the sub account does not necessarily have an account number separate from the parent account, but may be recorded in the ledger 122 of the bank database 120 in association with the parent account.

2 is a diagram showing the configuration of the ledger information 122 of the deposit account in accordance with an embodiment of the present invention.

Referring to FIG. 2, the mother account ledger information 210 includes information regarding a total amount of reserves 212 deposited into a mother account by a plurality of customers and a total amount of deposit interest 214 generated from a total amount of reserves. Each time a new deposit is credited to the parent account, the reserve amount is continuously updated. In addition, depending on the total amount of reserves and the deposit period of each reserve, the deposit interest amount is also continuously renewed. The mother account ledger information 210 is managed in association with sub account ledger information 220, 230, and 240 attached to the corresponding mother account.

The sub account ledger information 220, 230, and 240 includes information about respective deposit interests 224, 234, and 244, which are generated from the customer-specific reserves deposited in the mother account and the customer-specific reserves. When a new sub account is allocated by the sub account assigning unit 114 of FIG. 1, a new sub account linked to the parent account is recorded in the ledger information 122 of the bank database 122.

Returning to FIG. 1 again, the sub account manager 116 records deposits deposited in the mother account in the sub account assigned to the customer and records them in the ledger, and independently calculates the deposit interest generated in the sub account. Therefore, a plurality of customers who have deposited a deposit in the mother account can receive the deposit interest calculated for each customer according to the period from the time of deposit to the time of return.

On the other hand, the sub account management unit 116, when the request of the parent account holder, when new deposits are deposited, or periodically, the deposits deposited into the mother account, deposit interests generated from the mother account, deposits processed in the sub account , And current information regarding deposit interest occurring in the sub account can be provided to the account holder terminal 152 of the mother account.

When the withdrawal processing unit 118 expires or terminates the mother account or the sub account, the withdrawal process deposited in the sub account and deposit interests generated in the sub account are withdrawn or transferred to another customer's account. For example, if a customer paid a bid / auction deposit to the parent account of a state or a public institution, but the bid / auction failed, the withdrawal processing unit 118 would place the bid / auction deposit deposited in the customer's subaccount. The deposit interest may be withdrawn or transferred to the customer's other account.

In addition, the withdrawal processing unit 118 may record the result of the withdrawal processing or transfer processing to the mother account to correspond to the withdrawal or transfer of the sub-account reserves and deposit interests in the ledger. Thus, the total amount of reserves and deposit interest of the parent account is equal to the total amount of reserves and deposit interest of the entire subaccount, respectively.

In addition, the withdrawal processing unit 118 may provide the result of the withdrawal processing or transfer processing described above to the account holder terminal 152 of the mother account or the terminal 154 of the customer.

The bank database 120 includes not only the ledger information 122 described above, but also customer information 124 including personal information of the parent account holder and other customers, or management information 126 including the financial or business status of the bank. Can be saved.

3 is a diagram illustrating a schematic operation process of the entire reserve management system including the reserve deposit account operating apparatus according to an embodiment of the present invention.

Referring to FIG. 3, the mother account holder 310 transmits a deposit deposit service application to the bank server 300 through his terminal or the bank terminal (332). The bank server 300 receiving the service application subscribes to the deposit deposit service based on the subscription information received from the parent account holder 310 (334). After the subscription process is completed, when the customer 320 deposits the deposit to the mother account, the bank server 300 checks whether there is a sub account for the customer 320 (338). As a result of the check, if there is no sub account for the customer 320, the bank server 300 allocates a new sub account to the customer 320 and associates with the mother account to register in the ledger (340). The bank server 300 then deposits the deposit deposited by the customer 320 into the assigned subaccount (342). The bank server 300 calculates deposit interest for the deposit deposited in the sub account based on the deposit period of the reserve for each customer (344). Then, when the mother account holder 310 submits an application for expiration or termination of the mother account or sub account to the bank server 300, the bank server 300 withdraws the deposits and deposit interest deposited in each sub account or Transfer to another customer's account (348). When the withdrawal process or the transfer process is completed, the bank server 300 may remove the withdrawal process or transfer processed sub-account.

4 is a flowchart illustrating a method of operating a reserve account in a bank server according to an embodiment of the present invention.

In operation 402, the bank account server reserves a deposit account service application for the mother account and processes the subscription.

In operation 404, the bank account management apparatus receives the reference information indicating the criteria for allocating sub accounts.

In step 406, the bank account server checks whether the deposit has been deposited to the mother account.

In step 408, the bank account server reserves the deposit account management device, when the deposit is deposited into the mother account, assigns the sub account attached to the mother account to the customer who deposited the reserve, and associates the mother account and the sub account to register in the ledger.

In step 410, the bank account server reserves the deposit account operation, deposits the deposit deposited in the mother account to the sub account assigned to the customer and records in the ledger.

In operation 412, the bank account management device independently calculates deposit interest generated for each sub account.

In step 414, the bank account server reserves the current account information for deposits deposited in the mother account, deposit interests generated from the mother account, deposits deposited in the sub account, and deposit interests generated from the sub account. Provided to the account holder terminal.

In operation 416, the bank account server checks whether the mother account or sub account has expired or terminated.

In step 418, the bank account server at the bank server, when the mother account or sub account expires or terminates, withdraws or processes deposit interest generated in the sub account deposited in the sub account or transfers to another customer's account. do.

In operation 420, the deposit account operating apparatus at the bank server reflects the result of the withdrawal process or the transfer process to the mother account and records the result in the ledger.

In step 422, the bank account server provides the deposit account operating device, the result of the withdrawal process or transfer process to the account holder terminal of the mother account or the terminal of the customer.

In addition, the method of operating the reserve account in the bank server according to the embodiment of the present invention can be implemented as a computer readable code on a computer-readable recording medium. Computer-readable recording media include all kinds of storage devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. The computer readable recording medium may also be distributed over a networked computer system and stored and executed as computer readable code in a distributed manner.

So far I looked at the center of the preferred embodiment for the present invention. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

1 is a block diagram showing an entire reserve operating system including a reserve deposit account operating apparatus according to an embodiment of the present invention.

2 is a view showing the configuration of the ledger information of the deposit account in accordance with an embodiment of the present invention.

3 is a diagram illustrating a schematic operation process of the entire reserve management system including the reserve deposit account operating apparatus according to an embodiment of the present invention.

4 is a flowchart illustrating a method of operating a reserve account in a bank server according to an embodiment of the present invention.

Claims (8)

Receiving a deposit deposit service request for a mother account from a plurality of customers in a bank server and processing the subscription; When the deposit is deposited into the mother account, a sub account attached to the mother account is allocated to each of a plurality of customers who have deposited the reserve, and the master account is linked to the mother account and the sub accounts allocated to each of the plurality of customers are processed. Registering with; Depositing the deposit deposited into the mother account into the sub account assigned to each customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And At the time of maturity or termination of the mother account or the sub-account, withdrawal processing or deposit interest earned in the sub-account or processing the transfer to the other account of the customer; Operating a deposit deposit account at a bank server. The method of claim 1, The deposit deposit service application, the method of operating a deposit deposit account in a bank server, characterized in that received through a wired or wireless communication network including Internet banking, mobile banking, or phone banking, or a bank terminal directly connected to the bank server. The method of claim 1, Receiving and applying for a deposit deposit service request for the mother account includes the step of receiving reference information indicating a criterion for allocating the sub account, The reference information may include at least one or more of a depositor's name, a depositor's account number, a depositor's telephone number, or a depositor's social security number. The method of claim 1, wherein Providing to the depository terminal of the mother account the current information about the deposit deposited in the mother account, the deposit interest generated in the mother account, the deposit deposited in the sub account, and the deposit interest generated in the sub account; Operating method of the deposit account in the bank server, characterized in that. The method of claim 1, wherein And recording the result in the ledger by reflecting the result of the withdrawal process or the transfer process for the mother account. The method of claim 1, wherein And providing a result of the withdrawal process or the transfer process to the account holder terminal of the mother account or the terminal of the customer. A deposit deposit subscription processing unit for receiving a deposit deposit service request for a mother account from a plurality of customers in the bank server and signing up; When the deposit is deposited into the mother account, a sub account attached to the mother account is allocated to each of a plurality of customers who have deposited the reserve, and the master account is linked to the mother account and the sub accounts allocated to each of the plurality of customers are processed. A sub account assigning unit to register with; A sub account management unit which deposits the deposit deposited into the mother account into a sub account assigned to the customer, records the deposit in the ledger, and independently calculates the deposit interest generated in the sub account; And At the time of expiration or termination of the mother account or the sub-account, the withdrawal processing unit for processing the withdrawal processing deposits deposited in the sub account and the deposit interest generated in the sub account, or transfers to another account of the customer Operating device of the deposit deposit account in the bank server. Receiving a deposit deposit service request for a mother account from a plurality of customers in a bank server and processing the subscription; When the deposit is deposited into the mother account, a sub account attached to the mother account is allocated to each of a plurality of customers who have deposited the reserve, and the master account is linked to the mother account and the sub accounts allocated to each of the plurality of customers are processed. Registering with; Depositing the deposit deposited in the mother account into a sub account assigned to the customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And When the mother account or the sub account expires or terminates, depositing the deposits processed in the sub account and deposit interest generated in the sub account, or processing the transfer to another account of the customer A computer-readable recording medium on which a bank server records a program for executing a deposit deposit account.

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