KR101328733B1 - Financial management system and parent terminal for managing children's allowance - Google Patents

Abstract

Financial management system for the management of children's pocket money includes a financial management server for requesting the transfer of funds according to the execution of the compensation, if the compensation execution according to the fulfillment of the appointment set between the parent and the child; And an accounting server that receives an account transfer request according to the compensation execution from the financial management server, withdraws the amount according to the compensation execution from the parent account, and transfers it to the child account.

Description

FINANCIAL MANAGEMENT SYSTEM AND PARENT TERMINAL FOR MANAGING CHILDREN'S ALLOWANCE}

The present invention relates to a financial management system and parent terminal for managing the allowance of children.

Many parents worry about their children's economic education. In particular, the biggest concern regarding economic education is the management of children's pocket money. Parents who give allowances for economic education for their children face many problems, for example, forgetting their allowances every Saturday and often buying their school supplies or snacks because of their lack of allowances.

Allowance management is the foundation of good economic education. However, if there is no exact standard, it is easy to turn into a `` sack of money bonus '' whose use is unclear. Therefore, the criteria for the proper amount and use of allowances must be clearly established.

On the other hand, children-oriented purchases are increasing due to lifestyle changes caused by social change. In this way, as children's consumption market expands due to social change, parents want their children to be "reasonable consumers," reasonable and affordable consumer groups.

In addition, parents want a product or program for their children's economic education that will help them learn about what's needed and what needs to be done, their relationship with their role model and their sensitivity, but they don't have the right business model or alternative. to be.

Accordingly, the technical problem to be achieved by the present invention is to provide a financial management system and a parent terminal for managing a child's allowance by transferring the allowance paid in compensation for fulfilling the promise between the parent and the child from the parent account to the child account.

According to one aspect of the invention there is provided a financial management system. The system includes a financial management server for requesting an account transfer according to the reward execution when a reward execution occurs according to the fulfillment of the appointment set between the parent and the child; And an accounting server that receives an account transfer request according to the compensation execution from the financial management server, withdraws the amount according to the compensation execution from the parent account, and transfers it to the child account.

According to another feature of the invention there is provided a parent terminal. The terminal includes: an execution unit for executing an application dedicated to financial management and receiving a reward execution according to fulfillment of an appointment set between a parent and a child through a user interface provided by the financial management exclusive application; And a request unit for transmitting the compensation execution to a financial management server through the network, wherein the financial management server withdraws the amount according to the compensation execution from a parent account and transfers it to a child account when the compensation execution occurs. Include.

According to an exemplary embodiment of the present invention, parents and children's needs are targeted to children who are potential customers and parents who are core economically active customers by transferring allowances paid as rewards for fulfilling a promise between parents and children. (Needs) can be satisfied, attracting new active customers through the opening of a passbook for children.

1 is a block diagram of a financial management system according to an embodiment of the present invention.
2 is a block diagram of a financial management system according to another embodiment of the present invention.
3 is a block diagram of a financial management system according to another embodiment of the present invention.
4 is a block diagram showing the configuration of a financial management server according to an embodiment of the present invention.
5 is a block diagram showing the configuration of an Internet banking server according to an embodiment of the present invention.
6 is a block diagram showing the configuration of a parent terminal according to an embodiment of the present invention.
7 is an account information registration screen according to an embodiment of the present invention.
8 is a UI provided to a parent terminal according to an embodiment of the present invention.
9 is a UI provided to a child terminal according to an embodiment of the present invention.
10 is a flowchart illustrating a process of registering account information according to an embodiment of the present invention.
11 is a flowchart illustrating a compensation execution process according to an embodiment of the present invention.
12 is a schematic diagram of a financial management server according to another embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Also, the term "part" in the description means a unit for processing at least one function or operation, which may be implemented by hardware, software, or a combination of hardware and software.

Hereinafter, a financial management system and a parent terminal for managing a child allowance according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

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

Referring to FIG. 1, the parent terminal 100 and the child terminal 200 are connected to the financial management system 400 by accessing the network 300.

In this case, the parent terminal 100 is a terminal of a parent subscriber, and is a terminal capable of internet banking and internet communication. The child terminal 200 is a terminal of a child subscriber, and is a terminal capable of internet communication. The parent terminal 100 and the child terminal 200 may include a personal computer (PC), a tablet PC (Teblet PC), a notebook computer, a mobile phone, and a smartphone.

The network 300 collectively refers to a network providing an Internet service.

The financial management system 400 is a system for providing financial management services for managing children's pocket money, and includes a financial management server 410, an accounting server 430, and an internet banking server 450.

Although the financial management server 410, the accounting server 430 and the Internet banking server 450 is implemented as a separate server, it is possible to connect in real time as if implemented as a single device. At this time, the financial management server 410, the accounting server 430 and the Internet banking server 450 may be connected to the internal computer network (not shown) of the financial institution and interoperate with each other.

In addition, the financial management server 410, account accounting server 430 and the Internet banking server 450 may be mounted in one device and implemented with each function.

Here, the financial management server 410, when a reward execution occurs according to the fulfillment of the appointment set between the parent and the child, requests a transfer account according to the reward execution. In this case, the compensation execution occurs when the parent terminal 100 requests the financial management server 410.

The account system server 430 is a server that manages account information of individuals, corporations, and other customers, and is in charge of overall financial affairs such as deposit, withdrawal, account transfer, jiro, opening of a new bankbook, and closing a bankbook. The account system server 430 opens a parent account and a child account, and processes the account transfer in response to a request of the financial management server 410.

At this time, the account server 430 determines whether the parent account and the child account is an account opened by a predetermined financial institution, and if it is opened by a specific financial institution, the transfer fee is exempted.

The internet banking server 450 is a server that provides a service using financial services, financial information, and functions provided by a specific financial institution through the Internet. The internet banking server 450 stores the parent account and one or more child accounts registered by the parent terminal 100, and provides the parent account and the child account requested by the financial management server 410 according to the reward execution.

In addition, the financial management system 400 is connected to the message service center 500 through the network 300. The message service center 500 is a configuration for providing a message service of a mobile communication service provider, and includes a short message service center (SMSC), a long message service center (LMSC), and a multimedia message service center (MMSC).

At this time, the message service center 500 transmits a message for requesting the compensation execution to the parent terminal 100 or a message for notifying the child terminal 200 of the compensation execution according to the request of the financial management server 410.

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

Referring to FIG. 2, the configuration is the same as that of FIG. 1, but the financial management system 400 further includes a deposit operation server 470.

Here, when the parent terminal 100 requests the opening of the child's periodic deposit account through the Internet banking server 450, the deposit management server 470 opens and manages the periodic deposit account to which the preferential interest rate is applied. These children's time deposit accounts will be credited with allowances for the execution of compensation, and free-standing time deposit products will be used.

3 is a block diagram of a financial management system according to another embodiment of the present invention.

Referring to FIG. 3, the configuration is the same as that of FIGS. 1 and 2, but the financial management system 400 further includes an affiliate registration server 490, and further includes an affiliate server 600 connected to the affiliate registration server 490. do.

Here, the affiliate registration server 490 checks the amount deposited in the child account (child's deposit and withdrawal account) from the Internet banking server 450 and converts the cyber money available to the affiliate server 600 to the affiliate server 600. Register.

At this time, the conversion to cyber money is limited to within the maximum withdrawal amount of the child account (child's deposit and withdrawal account) set in advance by the parent. That is, the affiliate registration server 490 converts the amount within the maximum withdrawal amount of the child account (child's deposit and withdrawal account) from the internet banking server 450 into cyber money and registers it with the affiliate server 600.

In addition, the affiliate server 600 is a server of an affiliated institution in which an alliance relationship is established with the financial management system 400 and is defined as a server capable of providing various services through cyber money.

For example, it may be a game server, an online shopping mall server, a social company server, or the like. The cyber money may be game money, cyber money for shopping mall use, or acorns.

Meanwhile, the configuration of the financial management server 410 described with reference to FIGS. 1, 2, and 3 may be implemented as shown in FIG. 4.

4 is a block diagram showing the configuration of a financial management server according to an embodiment of the present invention.

Referring to FIG. 4, the financial management server 410 may include a login authentication unit 411, a website operation unit 412, a subscriber database 413, an application interworking unit 414, a bank transfer request unit 415, and a message. The transmission unit 416 and the pocket book service unit 417 is included.

The login authentication unit 411 performs login authentication of the terminal accessing the financial management server 410 to determine whether the subscriber is registered in the subscriber database 413, and if the registered subscriber is a parent subscriber or a child subscriber. .

At this time, the login authentication unit 411 performs login authentication using authentication means such as a public certificate, an I-PIN number, an ID, and a password.

The web site operator 412 operates a web site for financial management, and receives a reward execution requested by the parent terminal 100 through the web site.

In this case, when the parent terminal 100 is logged in, the website operation unit 412 provides the parent terminal 100 with a user interface (UI) for appointment setting, appointment inquiry, appointment change, and reward execution. . In addition, when the child terminal 200 is connected, the child terminal 200 provides a user interface (UI) for appointment inquiry.

The website operation unit 412 provides the parent terminal 100 with a reward execution selection item for each promised amount, and generates one or more reward executions for each item when one or more items are selected. In this case, the child account selection item to which the amount of the reward execution is to be deposited together with the reward execution selection item may be provided, and a reward execution including the selected child account may be generated.

In addition, the web site operator 421 may provide the child terminal 200 with a user interface for requesting the transmission of a message requesting the parent to execute a reward according to the appointment. In addition, the parent terminal 100 may provide a user interface for requesting transmission of a message informing a child of execution of compensation.

In addition, the web site operator 421 performs a service subscription procedure for the parent subscriber and the child subscriber, and stores the subscription information in the subscriber database 413. In addition, at the request of the Internet banking server 450, the terminal which logs in to the Internet banking server 450 confirms whether the member registered in the financial management server 410.

The subscriber database 413 stores parent subscriber information, child subscriber information, and appointment information set between the parent subscriber and the child subscriber.

The application interlocking unit 414 receives a reward execution through a dedicated application in association with a dedicated application installed in the parent terminal 100.

In addition, the application linker 414 may provide an inquiry screen of one or more appointment lists to the dedicated application in association with a dedicated application installed in the child terminal 200.

The dedicated application may be a smartphone application in the form of a web application or a native application.

When the bank transfer request unit 415 receives the reward execution requested by the parent terminal 100 from the website operation unit 412 or / and the application interworking unit 414, the account transfer server 430 transfers the account according to the reward execution. Send the request.

When the reward execution occurs, the account transfer request unit 415 checks the parent account and the child account that are the target of the reward execution from the Internet banking server 450, and requests the account transfer including the parent account, the child account and the amount according to the reward execution. To the accounting server.

In this case, when the reward execution is received from the website operation unit 412 or / and the application interworking unit 414, the reward execution includes identification information of the parent subscriber, and the transfer request request unit 415 identifies the parent subscriber. The parent account corresponding to the information and the child account mapped to the parent account are checked from the Internet banking server 450. In this case, the identification information of the parent subscriber may be a login ID, a mobile phone number, and the like.

In this case, the compensation execution received from the website operation unit 412 and / or the application interworking unit 414 may include selection information of the child account selected by the parent from one or more child accounts. In this case, the bank transfer request unit 415 may check the child account information corresponding to the selection information of the parent account and the child account included in the compensation execution from the internet banking server 450.

In addition, the bank transfer request unit 415 accumulates one or more reward executions received from the website operation unit 412 or / and the application interworking unit 414, and requests for each bank transfer according to each accumulated reward execution. It may periodically transmit to the accounting server 430 at once. In this case, each reward execution accumulated in units of days may be collected and the next day reservation transfer may be requested to the account server 430.

In addition, the bank transfer request unit 415 withdraws a predetermined amount from the parent account and maps it with the parent account when a predetermined period set by the parent arrives through the website operation unit 412 or / and the application linking unit 414. The automatic transfer to the child account can be requested to the account server 430.

Here, the account transfer request unit 415 inquires the monthly limit of the child account from the Internet banking server 450 before requesting the account transfer to limit the account transfer or automatic transfer according to the compensation execution within the monthly limit of the child account. For example, if the monthly limit is exceeded, the transfer can be withheld and the transfer can be performed when the monthly limit is reached.

The message transmission unit 416 generates a message requesting the execution of compensation according to the request of the child terminal 200 through the website operation unit 412 or / and the application interlocking unit 414 or the parent terminal 100. Generates a message notifying the execution of compensation according to the request. Then, in conjunction with the message service center 500 of the mobile communication network, a message requesting compensation execution is transmitted to the parent terminal 100, and a message notifying compensation execution is transmitted to the child terminal 200.

The pocket book service unit 417 provides the pocket terminal entry user interface for managing the pocket money to the child terminal 200. At this time, the pocket book service unit 417 receives the deposit and withdrawal details of the child account (withdrawal and withdrawal account and deposit account) from the Internet banking server 450 and automatically applies to the pocket book user interface.

In this case, the allowance book service unit 417 may be implemented in two forms. The first allowance book service unit (not shown) interworks with the website operation unit 412, and the child terminal 200 logs in, Provides a pocket book user interface.

The second pocket book service unit (not shown) interworks with a dedicated application installed in the child terminal 200 and provides a pocket book user interface through the dedicated application. In this case, the dedicated application installed in the child terminal 200 may be provided with a user interface and an allowance book user interface for searching the appointment set by the parent.

5 is a block diagram showing the configuration of an Internet banking server according to an embodiment of the present invention.

Referring to FIG. 5, the internet banking server 450 includes a login authenticator 451, a register 453, and an account information DB 455.

The login authentication unit 451 performs a login authentication procedure for determining whether the terminal connected to the Internet banking server 450 is an Internet banking service subscriber. The login authentication process is performed using a public certificate or authentication means such as ID and password.

The registration unit 453 checks from the subscriber's financial management server 410 whether the logged-in parent terminal 100 is registered with the financial management server 410. At this time, in the case of a registered subscriber, the process of explaining the financial management service to the parent terminal 100 is executed, and the agreement of the agreement and the account (parent account and child account) registration process is executed. At this time, the account (parent account and child account) registration process is performed along with the authentication process.

In addition, the register 453 may provide a user interface (UI) for searching and changing a registered account (parent account and child account) and perform a process accordingly.

The account information DB 455 stores a parent account and one or more child accounts according to an account (parent account and child account) registration or change process of the register 453.

In this case, the parent account is a free withdrawal account, and one or more child accounts include a free withdrawal account and a time deposit account.

The registration unit 453 may request a deposit management server (470 of FIGS. 2 and 3) to open a child's periodic deposit account at the request of the parent terminal 100.

In addition, the registration unit 453 checks whether the parent account and the child account registered by the parent terminal 100 is valid from the account server 430, and if it is determined to be valid, registers the parent account and the child account in the account information DB 455. do.

6 is a block diagram showing the configuration of a parent terminal according to an embodiment of the present invention.

Referring to FIG. 6, the parent terminal 100 includes an input unit 101, a display unit 103, an execution unit 105, a requesting unit 107, and a communication unit 109.

The input unit 101 is a means for allowing a parent subscriber to select or input account information for registering, executing a reward, setting an appointment, and inquiring. Key pads, touch pads, light joysticks and the like can be in various forms.

The display unit 103 outputs information received from the financial management server 410 and the Internet banking server 430 on the screen, and outputs a user interface screen according to the operation of the execution unit 105.

The execution unit 105 executes the financial management-only application and receives a reward execution according to the fulfillment of the appointment set between the parent and the child through a user interface provided by the financial management-only application.

Here, the dedicated application is downloaded and installed in advance in the parent terminal 100, and provides a user interface (UI) for appointment setting, appointment inquiry, appointment change, and reward execution.

The dedicated application may be a smartphone application in the form of a web application or a native application.

In this case, the web application is an application written in web code such as Web-based HyperText Markup Language (HTML), JavaScript, Cascading Style Sheets (CSS), and the like. ) Means an application that can be interpreted and executed. The process of interpreting the browser engine is similar to the process of interpreting and displaying a web page of a web code received from a web server by an internet browser for surfing the web.

In addition, a native application is an application that can be stored and executed in a terminal after compiling software platforms and data suitable for a mobile terminal, compiling for each platform of the terminal. These native applications are written and compiled in native code such as C or C ++. Software logic (including user interface logic corresponding to a user interface (UI)), data, and the like are included in the application and executed immediately based on the platform when executed.

The request unit 107 transmits the compensation execution received by the execution unit 105 to the financial management server 410 through the network 300.

The communication unit 109 is connected to the network 300 to provide a data transmission and reception path.

7 is a screen for registering account information according to an embodiment of the present invention, which is provided by an internet banking server 450 of FIGS. 1, 2, 3, and 5.

Referring to FIG. 7, the registration unit 453 of FIG. 5 of the internet banking server 450 provides a UI screen for registering account information. The UI screen includes a parent information field P1 and a child information field P2. Include.

The parent information field (P1) includes a 'Hana City ID' item and a 'Hana Bank Self Withdrawal Account' item.

The 'Hanacity ID' item can be checked whether the member is registered in the financial management server's website operation unit (412 in FIG. 4), and the parent subscriber can directly enter the ID or click the 'Confirm ID' item. The subscription ID may be inquired from the site operator 412 of FIG. 4. At this time, if the ID is not retrieved or is not a valid ID, the process is no longer performed.

The 'Hana Bank Self Withdrawal Account' item is for setting up an account of the parent subscriber name, and the amount of the reward execution is withdrawn from the account of the parent subscriber name.

In this case, the 'Hana Bank Self Withdrawal Account' item includes one or more accounts opened in the relevant financial institution (ie, Hana Bank), including 'Account inquiry request item', and includes one or more accounts opened in the parent's name. The screen is provided, and an account selected from one or more accounts is automatically registered (input).

The child information input field P2 includes a 'resident registration number' item, a 'hana city ID' item, and one or more 'child account' items.

In the 'resident registration number' item, you can check your Hana City ID by entering your child's social security number.

The 'Hanacity ID' item is an item that can be checked whether a member is registered in the financial management server's web site operation unit (412 in FIG. 4), and has the same function as the 'Hanacity ID' item of the parent information field P1. to provide.

One or more 'child accounts' items include free and withdrawal accounts (Cocomong required accounts) and free-earned time deposit accounts (dream tree savings accounts).

In addition, a monthly limit is set for each child account, which is set by the parent subscriber. The bank transfer request unit (415 in FIG. 4) of the financial management server inquires the monthly limit from the Internet banking server 450 before performing the transfer and transfers from the parent account to the child account within the limit not exceeding the monthly limit. Limit it to work.

The above-described child information input field P2 is provided for each child.

FIG. 8 is a UI provided to a parent terminal according to an embodiment of the present invention and is provided by a web site operation unit 412 of FIG. 4 or an application interworking unit 414 of FIG. 4.

In this case, when provided by the application linking unit (414 of FIG. 4), it may be transformed into a form suitable for a smartphone screen.

Referring to FIG. 8, the UI provided to the parent terminal 100 (FIGS. 1, 2, 3, and 6) may select one or more appointment lists set between parents and children for each child, and select reward execution according to each appointment fulfillment. Item (P4), 'create appointment' item (P5), 'edit appointment' item (P6), 'delete appointment' item (P7), 'execute compensation' item (P8), 'send text' item (P9) ).

Here, by clicking on the 'Create an appointment' item (P5), it is possible to add an appointment between parents and children.

If you click on the 'Modify appointment' item (P6), you can modify the contents of the appointment set between parents and children, and allowances for fulfilling the appointment.

If you click the 'Delete appointment' item (P7), you can delete the appointment set between parent and child.

By clicking on the 'execution of compensation' item (P8), it is possible to request that the allowance for fulfilling the appointment set between the parent and the child transferred from the parent account to the child account.

When the user clicks on the 'Send Text' item (P9), after the parent clicks on the 'Perform Compensation' item (P8), the transfer notification text may be requested to the child terminal (200 in FIGS. 1, 2, and 3).

In addition, one or more appointment lists set between the parent and the child may be selected from the contents shown in Table 1 below. That is, the web site operator 412 (FIG. 4) or the application interlocker 414 (FIG. 4) may provide a UI including selection items for appointment setting as shown in Table 1, and the appointment list is automatically selected by the parent. Can be added to Of course, the parent can enter it directly.

Promise to improve lifestyle · Not eating
· Own room
· Not fighting the brothers
· Write pocket book Promise to achieve specific figures Grade Up (10 points up)
Diet (minus 3Kg)
Save money (Gather 5000 won) Promise of Regular Allowance Giving and receiving pocket money (3,000 won a week) Commitment to Economic / Financial Studies Learn about economics and finance in Hana City (3 each day)

FIG. 9 is a UI provided to a child terminal according to an embodiment of the present invention, and is provided by a web site operation unit 412 of FIG. 4 or an application interworking unit 414 of FIG. 4.

Referring to FIG. 9, a UI provided to a child terminal (200 of FIGS. 1, 2, and 3) may include one or more appointment lists set between a parent and a child for each child, and items for selecting reward execution according to each appointment fulfillment. P10), 'Request compensation execution' item (P11).

In this case, when the 'request compensation execution request' item (P10) is clicked, the parent terminal (FIG. 1, 2, 3 of FIG. 100) may be requested.

10 is a flowchart illustrating a process of registering account information according to an embodiment of the present invention.

Referring to FIG. 10, a parent terminal 100 (FIGS. 1, 2, 3, and 6) accesses an internet banking server 450 (FIGS. 1, 2, 3, and 5) and performs login authentication (S101).

The internet banking server 450 inquires whether the parent terminal 100 logged in and the child subscriber whose parent wants to register an account are registered with the financial management server (410 of FIGS. 1, 2, 3, and 4) (S103). ). At this time, when the logged-in parent terminal 100 requests registration of account information, step S103 is performed. For example, it may be a case where the 'money management service item' provided on the Internet banking service screen is clicked.

At this time, if the search result, if not the service subscriber, the Internet banking server 450 guides the parent terminal 100 logged in to the financial management server 410 first to subscribe to the service (S107). That is, after membership is performed to the financial management server (410 of FIGS. 1, 2, 3, and 4) for the parent subscriber and the child subscriber, the subsequent steps may be performed.

On the other hand, in the case of a service subscriber, the Internet banking server 450 provides a UI for registering and changing account information as shown in FIG. 7 to the logged-in parent terminal 100 (S109).

When the account information is input through the UI provided in step S109 (S111), the internet banking server 450 determines whether the account is valid by inquiring (S113) the account information into the account server (430 of FIGS. 1, 2, and 3) (S113). S115).

At this time, if it is not a valid account, the account registration failure is returned (S117), and if it is a valid account, the input account is registered in the account information DB (455 of FIG. 5) (S119).

Here, if it is determined in step S111 that a request for opening a child's periodic deposit account is received (S121), the Internet banking server 450 requests the deposit management server (470 of FIGS. 2 and 3) to open a regular deposit account ( S123).

Then, the deposit management server 470 opens a regular deposit account in the name of the child to which the preferential interest rate is applied (S125), and returns the processing result (S127).

The internet banking server 450 registers the deposit account server 470, the deposit account in the account information DB (455) (S129).

Here, in step S119, step S123 may be made after the public certification process of the parent subscriber using the universal certificate or the official certificate of the bank is performed.

11 is a flowchart illustrating a compensation execution process according to an embodiment of the present invention.

Referring to FIG. 11, the parent terminal 100 of FIGS. 1, 2, 3, and 6 transmits a compensation execution to the financial management server 410 of FIGS. 1, 2, 3, and 4 (S201). That is, when the parent subscriber clicks on the 'compensation execution' item P8 of FIG. 8, the compensation execution is transmitted, and the compensation execution is performed by the web site operation unit (412 of FIG. 4) or the application linkage unit (FIG. 4) of the financial management server. 414 of FIG. 4 receives.

The reward execution received in step S201 may include child account selection information selected by the parent subscriber.

Meanwhile, the account transfer request unit (415 of FIG. 4) of the financial management server inquires the parent account and the child account according to the reward execution on the Internet banking server (450 of FIGS. 1, 2, 3, and 5) (S203) and executes the compensation. Generate a transfer request according to (S205).

The account transfer request unit 415 of the financial management server accumulates the account transfer request generated in step S205 (S207), and when a predetermined period arrives (S209), collects the accumulated account transfer request (S211). ) And transmits to the account system server (430 of FIGS. 1, 2, 3) at once (S213).

Then, the account accounting server 430 checks the parent account, the child account and the request amount included in the transfer request, withdraws the request amount from the parent account (S215), deposits it into the child account (S217), and returns the processing result. (S219).

When the processing result is returned (S219), the message transmitting unit (416 of FIG. 4) of the financial management server requests notification of the processing result to the message service center (500 of FIGS. 1, 2 and 3) (S221). Then, the message service center 500 transmits the reward execution notification message to the child terminal 200 (S223).

In addition, the child terminal 200 may request compensation execution according to the fulfillment of the promise between the parent and the child, when the child clicks on the 'Request compensation execution' item (P10) in FIG. The server 410 transmits the data to the server 410 (S225).

Then, the message transmission unit (416 of FIG. 4) of the financial management server generates a compensation execution request message and requests transmission to the message service center 500 (S227). The message service center 500 transmits a compensation execution request message to the parent terminal 100 (S229).

12 is a schematic diagram of a financial management server according to another embodiment of the present invention, the login authentication unit 411, the website operation unit 412, the application interworking unit 414, described with reference to FIG. 4, A system that can be used to perform at least some of the functions of the bank transfer request unit 415, the message transfer unit 416, and the allowance manager 417 is described.

Referring to FIG. 12, the financial management server 700 may include a processor 701, a memory 703, at least one storage device 705, an input / output (I / O) interface 707, and a network interface ( 709).

The processor 701 may be implemented as a central processing unit (CPU) or other chipset, microprocessor, etc., and the memory 703 may be a dynamic random access memory (DRAM), a Rambus DRAM DRAM, RDRAM), synchronous DRAM (synchronous DRAM, SDRAM), static RAM (SRAM), and the like.

The storage device 705 may be a hard disk, a compact disk read only memory (CD-ROM), a compact disk rewritable (CD-RW), a digital video disk ROM, , An optical disk such as a blue-ray disk, a flash memory, various types of RAM, or a permanent or volatile storage device.

In addition, I / O interface 707 allows processor 701 and / or memory 703 to access storage 705, and network interface 709 provides processor 701 and / or memory 703. ) To access the network 300 and the internal network (not shown).

In this case, the processor 701 may include a login authentication unit 411, a website operation unit 412, an application interworking unit 414, an account transfer request unit 415, a message transmission unit 416, and a money management unit 417. A program command for implementing at least some of the functions of may be loaded in the memory 703 and controlled to perform the operation described with reference to FIG. 4.

In addition, the memory 703 or the storage device 705 is linked with the processor 701, the login authentication unit 411, the website operation unit 412, the application linking unit 414, the account transfer request unit 415, The function of the message transmitter 416 and the allowance manager 417 may be performed.

The processor 701, the memory 703, the storage 705, the I / O interface 707, and the network interface 709 illustrated in FIG. 12 may be implemented in one computer or distributed in a plurality of computers. It may be implemented.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (24)

A financial management server for requesting an account transfer according to the reward execution when a reward execution occurs according to the fulfillment of the appointment set between the parent and the child; And
Receiving an account transfer request according to the compensation execution from the financial management server, the account account server for withdrawing the amount of the compensation execution from the parent account and transfers to the child account,
The financial management server,
An application interworking unit configured to receive the compensation execution from the parent terminal through the dedicated application in association with a dedicated application previously downloaded and installed in the parent terminal; And
When the compensation execution is received, the account transfer request unit for transmitting the transfer request to the account accounting server,
The dedicated application,
A list of one or more appointments set up between parent and child for each child and
Providing a user interface (UI) including a reward execution item for requesting the allowance for fulfillment of each appointment included in the one or more appointment lists to be transferred from a parent account to a child account;
The financial execution system is generated when the compensation execution item is clicked on the parent terminal. The method of claim 1,
The financial management server,
Web site operation unit that operates a Web site for financial management of the child, and receives the compensation execution from the parent terminal through the Web site
Financial management system further comprising. delete 3. The method of claim 2,
The financial management server,
A subscriber database for storing parent subscriber information, child subscriber information, and appointment information set up between the parent and the child; And
And a login authentication unit configured to perform login authentication of the terminal accessing the financial management server to determine whether the subscriber database is registered with the subscriber and whether the subscriber is a parent or a child.
The website operation unit,
When the parent subscriber terminal is logged in, the parent subscriber terminal provides a user interface for appointment setting, appointment inquiry, appointment change, and reward execution, and when the child subscriber terminal is connected, the user for appointment inquiry to the child subscriber terminal Financial management system that provides an interface. 5. The method of claim 4,
The website operation unit,
Providing the parent subscriber terminal with an item to select a reward execution for each appointment set amount,
The bank transfer request unit,
A financial management system for generating each transfer request according to the reward execution selected for each appointment. The method of claim 5,
The website operation unit,
Providing the parent subscriber terminal with the reward execution selection item and the child account selection item to which the amount of the reward execution amount is to be deposited for each promised amount,
The bank transfer request unit,
A financial management system for generating each transfer request in accordance with the selected reward execution for each appointment including a child account selected through the child account selection item. 5. The method of claim 4,
And a message transmitter configured to generate a message requesting compensation execution in association with a message service center of a mobile communication network and transmit the message to the parent subscriber terminal, and generate a message for notification of compensation execution and transmit the message to the child subscriber terminal.
The website operation unit,
A financial management system for providing a user interface for requesting the transmission of the message requesting the compensation execution to the child subscriber terminal, and a user interface for requesting the transmission of the message for notifying the compensation execution to the parent subscriber terminal. . 3. The method of claim 2,
The bank transfer request unit,
Accumulating one or more bank transfer requests according to the compensation execution; and transmitting the accumulated bank transfer requests to the accounting server periodically at once. 9. The method of claim 8,
The bank transfer request unit,
And collecting the accumulated account transfer requests on a daily basis and requesting the next day's reservation transfer to the accounting server. 3. The method of claim 2,
The bank transfer request unit,
When a predetermined period arrives, the financial management system withdraws a predetermined amount from the parent account to request the automatic transfer to the child account mapped to the parent account to the account server. 3. The method of claim 2,
The bank transfer request unit,
A financial management system that restricts wire transfer requests so that wire transfers can be made without exceeding the monthly limit of a child account set by a parent subscriber. The method of claim 1,
An internet banking server storing a parent account and one or more child accounts registered by a parent terminal, and providing a parent account and a child account requested by the financial management server;
The financial management server,
When the compensation execution occurs, the parent account and the child account that is the target of the compensation execution is confirmed from the Internet banking server, and generates an account transfer request including the parent account, the child account and the amount according to the compensation execution and the account Financial management system to send to the server. The method of claim 12,
The internet banking server,
Store the one or more child accounts, including free and withdrawal accounts and time deposit accounts,
The financial management server,
Financial information management system for verifying the account information from the Internet banking server according to the selection information of the child account included in the compensation execution, the selection information is the child account information selected by the parent from the one or more child accounts. The method of claim 13,
Receiving a request for the opening of a child's periodic deposit account through the Internet banking server, the deposit management server to open the child's periodic deposit account, and apply preferential interest rate to the periodic deposit account
Financial management system further comprising. The method of claim 12,
The internet banking server,
Check from the financial management server whether the logged-in terminal is a member registered to the financial management server, and if the registered member, provides a user interface for registering or changing the parent account and the child account, the user interface If it is determined that the validity of the account input through the account from the account server, if it is valid, the financial management system to register the input account. 16. The method of claim 15,
The internet banking server,
When the logged-in parent terminal requests account registration, the financial management system provides a user interface for selecting among one or more accounts by providing one or more account inquiry screens opened in the financial institution, and automatically registers the selected account. The method of claim 12,
The financial management server,
A subscriber database for storing parent subscriber information and child subscriber information and appointment information set up between the parent subscriber and the child subscriber;
A login authenticator configured to perform login authentication of the subscriber station connected to the financial management server to determine whether the subscriber database is registered with the subscriber database and whether the subscriber is a parent subscriber or a child subscriber; And
When the child subscriber terminal is connected, the first allowance management unit for providing a pocket money user interface for money management, and receives the deposit and withdrawal details of the child account from the Internet banking server automatically applied to the pocket money user interface for output;
Financial management system comprising a. 18. The method of claim 17,
The financial management server,
Provides a pocket book user interface for pocket money management through the dedicated application in conjunction with the pocket money management dedicated application installed in the child terminal, and receives the deposit and withdrawal details of the child account from the Internet banking server automatically to the pocket book user interface Second allowance management unit to apply and output
Financial management system further comprising. The method of claim 12,
Affiliate registration server that checks the amount of money deposited in the child account from the Internet banking server and converts into cyber money available on the server of the affiliated institution registered in the server of the affiliated institution
Financial management system further comprising. 20. The method of claim 19,
The affiliate registration server,
The conversion to the cyber money is limited to within the maximum withdrawal amount of the child account, the maximum withdrawal amount is set by the parent terminal through the Internet banking server. The method of claim 1,
The account system server,
A financial management system that determines whether a parent account and a child account are open at a predetermined financial institution, and exempts a transfer fee if the account is opened at the specific financial institution. An execution unit which executes a financial management-only application and receives a reward execution according to fulfillment of an appointment set between a parent and a child through a user interface provided by the financial management-only application;
A request unit for transmitting the compensation execution through a network to the financial management server, wherein when the compensation execution occurs, the financial management server withdraws an amount corresponding to the compensation execution from a parent account so that a transfer is made to a child account; And
A display unit for outputting a screen for a user interface (UI) provided by the execution unit, The dedicated application,
A list of one or more appointments set up between parent and child for each child and
Providing the user interface (UI) including a reward action item for requesting the allowance for fulfillment of each appointment included in the one or more appointment lists to be transferred from a parent account to a child account,
The execution unit may include:
When the compensation execution item is clicked, the parent terminal generates the compensation execution and transmits to the financial management server through the request unit. The method of claim 22,
The execution unit may include:
A parent terminal running a smartphone application in the form of a web application or a native application. The method of claim 22,
The execution unit may include:
Provides a user interface for setting appointments, searching for appointments, changing appointments, and selecting or entering a reward between parents and children for each of one or more children, and selecting reward execution for each of the appointments for which the amount of money included in the user interface is set. When one or more items are selected in the item, a parent terminal generating a reward execution request for each item.

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