KR101354166B1 - Method for servicing mission group and financial server for the same - Google Patents

Abstract

The method for providing a mission group service by the financial server may include establishing a mission group using the first client as a master according to a mission group establishment request received from the first client terminal, and joining the mission group received from the second client terminal. Registering a second customer as a member of the mission group as requested, and the mission group includes mission conditions that each member must achieve during the subscription period, and each member of the mission group in preparation for the mission conditions. Providing at least the first customer terminal with mission achievement information indicative of the mission achievement rate achieved. Customers can receive special interest rates from financial institutions using mission group services, special discount rates or special point accumulation rates from affiliates, and financial institutions can secure a large number of financial customers with common interests. Non-financial information such as consumption tendency can be obtained, and customers can be managed more efficiently by using this, and affiliates can secure customers who are members of the mission group through the alliance with financial institutions as prospective customers. Acquisition of prospective customers can reduce customer acquisition costs.

Description

METHOD FOR SERVICING MISSION GROUP AND FINANCIAL SERVER FOR THE SAME}

The present invention relates to a method and a financial server for providing a mission group service. More particularly, the present invention relates to a method and a financial server for providing a mission group service for sharing mission achievement information of mission group members.

In general, members of a group or fellowship have a common interest in travel products, certain goods, and services, and together, arrange a cost to enjoy the common interest. For example, members of a group or fellowship who want to travel together in the future will collect the dues and save the funds to the financial institution in order to cover the travel expenses by the target date.

The secretary who manages dues among the members of the club meeting or fellowship collects the dues and manages the savings. The secretaries of clubs and clubs must check and organize how much dues each member submits and how much of each member's dues must be submitted.

In addition, despite the fact that the savings to collect dues of club meetings and fellowships are not significant, there are no special financial benefits in addition to the interest rate on ordinary savings products. And although the membership fee is due to be used for travel products, certain goods, or services, the membership of the club or club does not receive the benefits of a prospective customer such as an associated travel agency or electronics company. have.

The technical problem to be solved by the present invention is to provide a mission group service that can share the mission achievement information of the mission group members, and can provide differential benefits to the mission group members.

According to an embodiment of the present invention, a method for providing a mission group service by a financial server includes: establishing a mission group using a first client as a master according to a mission group establishment request received from a first client terminal; Registering a second customer as a member of the mission group in accordance with the request for joining the mission group received from the mission group, and the mission group includes mission conditions that each member must achieve during the subscription period, In contrast, providing at least the first customer terminal with mission achievement information indicating a mission achievement ratio achieved by each member of the mission group.

The establishing of the mission group may include a mission condition including a target amount of the accumulated amount from the first customer terminal and selection information of an affiliate providing a benefit to the members of the mission group in response to the mission condition. And receiving the mission group service setting information.

The establishing of the mission group may include receiving mission group service setting information including a mission inquiry condition indicating a sharing range of the mission achievement information from the first customer terminal.

The mission inquiry condition is a whole share in which all members of the mission group can inquire the mission achievement information, a share in which some members of the mission group can inquire the mission achievement information, and only a master of the mission group. It may be any one of the master share that can query the mission achievement information.

The registering of the second customer as a member of the mission group may include transmitting an approval request message for the request to join the mission group of the second customer to the first customer terminal, and the first customer terminal. 2 may include receiving a subscription approval message for approving the customer to join the mission group.

The subscription approval message may include granting information of inquiry authority for inquiring about the mission achievement information.

The providing of the mission achievement information may include receiving a first mission progress information request message including authentication information of the first customer from the first customer terminal, and performing customer authentication of the first customer. And transmitting the mission achievement information to the first customer terminal.

The providing of the mission achievement information may include receiving a second mission progress information request message including authentication information of the second customer from the second customer terminal, and all members of the mission group receiving the mission achievement information. Under the mission inquiry condition that can query the, after performing the customer authentication of the second customer may include the step of transmitting the mission achievement information to the second customer terminal.

The method may further include receiving a termination notice of the mission group from the first client terminal, and canceling the mission group.

A financial server providing a mission group service according to another embodiment of the present invention includes a mission group information storage unit for storing mission group information including mission conditions that each member who joins the mission group must achieve during the subscription period, and the It includes a member management unit that manages the establishment of a mission group and member registration, and provides mission achievement information indicating a mission achievement rate of each member of the mission group to the client terminal in preparation for the mission condition.

The account management unit may further manage a customer ledger of each member joining the mission group, wherein the member manager may query the customer ledger of each member in the account manager and provide the mission achievement information to the customer terminal. Can be.

Affiliate management unit for storing a list of affiliates that provide benefits to each member joining the mission group and the details of each member using the affiliate, wherein the member management unit in the affiliate management unit each member of the affiliates The details of the usage may be inquired, and the mission achievement information indicating the ratio achieved by the respective members may be provided to the customer terminal in preparation for the mission condition of the target value for the use of the affiliated company.

The mission group information storage unit stores mission group information further including a mission inquiry condition indicating a sharing range of the mission achievement information, wherein the mission inquiry condition allows all members of the mission group to query the mission achievement information. It can be any one of the entire sharing, some shares where some members of the mission group can query the mission achievement information, and a master share where only the master of the mission group can query the mission achievement information.

The member manager receives the request to join the mission group from the terminal of the second customer, and transmits an approval request message for the request to join the mission group of the second customer to the terminal of the first customer who is the master of the mission group, The second customer may be registered as a member of the mission group by receiving a subscription approval message for approving the second customer from joining the mission group from the terminal of the first customer.

The member manager provides mission achievement information of all members of the mission group to a terminal of a first customer who is a master of the mission group, and under a mission inquiry condition in which all members of the mission group can query the mission achievement information. The mission achievement information of all members of the mission group may be provided to the terminal of the second customer.

The customer may be provided with a special interest rate from a financial institution using a mission group service and a special discount rate or a special point accumulation rate from a partner.

Financial institutions can acquire a large number of financial customers with common interests and obtain non-financial information, such as the propensity to spend by age group, to manage customers more efficiently.

Affiliates can secure customers who have joined the Mission Group as prospective customers through alliances with financial institutions, and reduce customer acquisition costs by securing prospective customers.

1 is a block diagram schematically illustrating a financial system for providing a mission group service according to an embodiment of the present invention.
2 is a block diagram schematically illustrating a financial server providing a mission group service according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing a mission group service according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art to which the present invention pertains. The present invention may be embodied in many different forms and is not limited to the embodiments described herein.

In addition, in the various embodiments, components having the same configuration are represented by the same reference symbols in the first embodiment. In the other embodiments, only components different from those in the first embodiment will be described .

In order to clearly illustrate the present invention, parts not related to the description are omitted, and the same or similar components are denoted by the same reference numerals throughout the specification.

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

1 is a block diagram schematically illustrating a financial system for providing a mission group service according to an embodiment of the present invention.

Referring to FIG. 1, a financial system providing a mission group service includes a financial server 10, an affiliate server 20, and a customer terminal 30.

The financial server 10 provides a mission group service that gives a specific mission to customers who are registered as members of the mission group and provides differentiated benefits to the members on the condition that the members achieve the specific mission during the subscription period. That is, the financial server 10 may provide a special interest rate for the account of the member of the mission group, or provide a differential benefit such as a special discount rate or a special point accumulation rate to a member of the mission group using the affiliate in connection with the affiliate server 20. can do. The financial server 10 may share the mission achievement information of the mission group members among the mission group members.

The affiliate server 20 applies a special discount rate or a special point accumulation rate corresponding to the mission group benefit information to members of the mission group using the affiliate in connection with the financial server 10. The affiliate server 20 may receive the mission group member information from the financial server 10 and provide the financial server 10 with details of the mission group member using the affiliate company.

The customer terminal 30 connects to the financial server 10 through a wired / wireless communication network to perform financial transactions, and accesses the affiliate server 20 to use a partner company's services and a personal digital assistant (PDA). ), A notebook, a smart phone, and the like. It is assumed that the customer terminal 30 includes at least a first customer terminal 31 used by the first customer, a second customer terminal 32 used by the second customer, and a third customer terminal 33 used by the third customer. do.

The first customer may request the financial server 10 to open a mission group through the first customer terminal 31 and inform the second and third customers of the guidance message about the opened mission group. The second customer may access the financial server 10 through the second customer terminal 32 and join the mission group. The third customer may access the financial server 10 through the third customer terminal 33 and join the mission group. The first, second and third customers joining the mission group may receive differentiated benefits according to the terms of the mission group in terms of financial transaction through the financial server 10 or when using the service through the affiliate server 20. Can be.

For example, a financial institution may form partnerships with mission groups, such as travel agencies, language and study abroad companies, lethargy and electronics companies, and maternity and child care products companies.

Assuming that the first customer, the second customer, and the third customer are college students, their common interest may be language training, studying abroad, backpacking, and the like. The first customer may establish a first mission group on a mission condition using a travel agency, a language school, and a study company that have accumulated a certain amount at a financial institution for a certain period of subscription, and are affiliated with the financial institution. The first customer can inform the second customer and the third customer about the first mission group service, and the second customer and the third customer with common interests can join the first mission group. The first customer, the second customer and the third customer can be provided with a special interest rate from a financial institution by achieving the mission conditions during the subscription period, and a service at a special discount rate or a special point accumulation rate from a travel agency, a language school and a study abroad company.

Assuming that the first customer, the second customer and the third customer are preliminary or newlyweds, their common interest may be lethargy, electronics, maternity and parenting supplies, and the like. The first customer may establish a second mission group on a mission term using a coma and electronics company, a childbirth and childcare company that is affiliated with the financial institution, and earns a certain amount to the financial institution for a certain period of subscription. The first customer can inform the second customer and the third customer about the second mission group service, and the second customer and the third customer with common interests can join the second mission group. The first, second, and third customers will receive special interest rates for their reserves from financial institutions by achieving mission conditions during the subscription period, and will receive a special discount rate or special point credit rate from coma and electronics companies, maternity and child care products suppliers. You can get services.

As such, the customer may be provided with a special interest rate from a financial institution using a mission group service and a special discount rate or a special point accumulation rate from a partner.

Financial institutions can acquire a large number of financial customers with common interests and obtain non-financial information, such as the propensity to spend by age group, to manage customers more efficiently.

Affiliates can secure customers who have joined the Mission Group as prospective customers through alliances with financial institutions, reduce customer acquisition costs by securing prospective customers, and respond to customers in response to reduced customer acquisition costs. Special discount rates can be provided.

Now, the financial server 10 that provides the mission group service and the method for providing the mission group service will be described.

2 is a block diagram schematically illustrating a financial server providing a mission group service according to an embodiment of the present invention.

1 and 2, the financial server 10 includes a member manager 11, an authenticator 12, a mission group information storage 13, an affiliate manager 14, and an account manager 15.

The member manager 11 manages the establishment of a mission group, member registration, mission progress, and membership withdrawal. The member manager 11 may open a mission group based on mission group service setting information such as a mission group name, a subscription period, a mission condition, a mission inquiry condition, and a mission group master information designated by a customer. Mission conditions are goals that members of a mission group must achieve during their membership and can be determined by the mission group master. The mission group master may be a client requesting the financial server 10 to open a mission group.

The member manager 11 may designate the mission inquiry condition as one of all shares, some shares, and a master share at the request of the customer (mission group master). Global sharing is the way each member of the mission group can look up the mission achievement information of all members, and some sharing is the way some members of the mission group can view the mission achievement information of all members, and master sharing In this way, only the master of the mission group can inquire mission achievement information of all members.

The member manager 11 may inquire the customer ledger of each member of the mission group in the account manager 15, and in the affiliate manager manager 14, may query the details of each member of the mission group using the affiliated company. The member manager 11 may generate mission achievement information indicating the degree to which each member of the mission group has accomplished the mission based on the customer ledger information and / or the partner usage history information. Mission achievement may be expressed as the ratio achieved by each member of the mission group to the mission conditions.

The member manager 11 may determine differential benefits provided to members of the mission group according to the mission group service setting information. For example, the member manager 11 may apply a special interest rate for savings or determine a differential benefit such as a special discount rate or a special point accumulation rate for use of an affiliate in accordance with the mission condition.

The member manager 11 registers customers requesting to join the mission group as members of the mission group. The member manager 11 may transmit the customer information of the customer requesting to join the mission group to the mission group master, and register the customer requesting to join the mission group master as a member of the mission group service.

The member manager 11 may terminate the mission group according to the termination notice of the mission group master. And the member manager 11 may provide a bulletin board that members of the mission group can share. Mission group masters or members of a mission group can send inspirational messages to other members through the bulletin board.

The member manager 11 transmits the mission group service setting information of the opened mission group service, differential benefit information, and customer information of a customer registered as a member to the mission group information storage unit 13. The member manager 11 transmits the differentiated benefit information including the partner list that provides the differentiated benefits to the members of the mission group service and the special discount rate or the special point accumulation rate for each affiliate to the affiliated manager 14.

The authentication unit 12 performs a customer authentication process for the customer requesting the establishment of the mission group service in the process of establishing the mission group service. The authentication unit 12 stores customer authentication information including at least one of an identifier (identifier), a personal identification number (PIN), a password, and a public certificate of a financial institution customer for customer authentication. The authentication unit 12 receives customer authentication information including at least one of an ID, a PIN, a password, and a public certificate from the customer terminal, and compares the received customer authentication information with stored customer authentication information.

The mission group information storage unit 13 stores mission group information such as mission group name, subscription period, mission condition, mission inquiry condition, mission group master information, member list information, etc. of the mission group established by the member manager 11. . In addition, the mission group information storage unit 13 may store differential benefit information provided to members of the mission group. The discriminatory benefit information includes special rates applied according to the mission conditions of the mission group service, special discount rate for use of affiliates, or special point accumulation rate.

The affiliate management unit 14 stores differential benefit information including a list of affiliates delivered from the member management unit 11 and a special discount rate or a special point accumulation rate for each affiliate. The affiliate management unit 14 transmits differential benefit information to the affiliate server 20 of the affiliate company so that customers of the mission group service may receive a special discount rate or a special point accumulation rate when using the affiliate company. The affiliate management unit 14 may receive and store details information of a member of the mission group service using the affiliate 20 from the affiliate 20.

The account manager 15 stores and manages a customer ledger including account information such as account balances and bank statements of each of the financial institution customers (mission group subscription members). The account manager 15 may check the special rate provided to the customer who has subscribed to the mission group in the mission group information storage unit 13 and apply the special rate to the account of the corresponding customer.

3 is a flowchart illustrating a method of providing a mission group service according to an embodiment of the present invention.

1 and 3, a method of providing a mission group service includes (1) a mission group establishment process, (2) a mission group member registration process, (3) mission progress information inquiry process, and (4) an association related process. .

(4) The alliance related process is a process for providing special benefits to the members of the mission group by using the affiliated companies. In the process of performing the processes (1) to (3), the partner selection, the provision of customer information for the affiliated companies, and the affiliated companies are conducted. It may be included in the membership agreement, affiliate usage information providing step.

Hereinafter, processes (1) to (4) included in the method for providing a mission group service will be described. Process (1) to (4) is an embodiment including a minimum content to explain the features of the proposed invention, the addition and modification of the process obvious to those skilled in the art are included in the scope of the proposed invention.

 (1) Mission Group Opening Process

The first customer transmits a mission group establishment request message requesting establishment of a mission group to the financial server 10 through the first customer terminal 31 (S110). The mission group establishment request message may include authentication information for authentication of the first customer. The authentication information of the first customer may include at least one of an ID, a PIN, a password, and a public certificate of the first customer.

The financial server 10 transmits the mission group service setting request message to the first customer terminal 31 after performing the customer authentication process through the authentication information of the first customer (S111). The financial server 10 may request the first client terminal 31 for the mission group name, subscription period, mission condition, mission inquiry condition, mission group master information, etc. for the mission group service through the mission group service setting request message. .

The financial server 10 may further request the first customer terminal 31 to select an affiliate, provide customer information for the selected affiliate, and sign up for membership through the mission group service setting request message in order to provide a benefit for using the affiliate. .

The first customer transmits the mission group service setting information to the financial server 10 through the first customer terminal 31 (S112). The mission group service setting information may include a mission group name, a subscription period, a mission condition, a mission inquiry condition, mission group master information, and the like. The mission group service setting information may further include selecting an affiliate by the first customer, providing customer information about the selected affiliate, and signing up for membership. Affiliates providing benefits to members of the mission group may be selected in response to mission conditions.

The mission group name may be arbitrarily determined by the first customer within a range that is not the same as a previously registered mission group name.

The subscription period may be arbitrarily determined by the first customer beyond the basic subscription period. For example, when the basic subscription period is one year, the first customer may set the subscription period of the mission group service to be one year or more, and may separately designate a start time and an expiration time of the mission group service.

Mission conditions are goals that members of a mission group must achieve during their membership. The mission condition may include at least one of a target amount of the accumulated amount and a target value for the use of a specific affiliate. For example, each mission group member whose mission amount is the target amount of the accumulated amount must be saved in a financial account opened on the financial server 10 to accumulate more than the target amount within the subscription period to achieve the mission condition. have. Each of the members of the mission group whose mission value is the target condition for the use of a specific affiliate may purchase the goods or use the service more than a predetermined amount or a certain number of times through the affiliate within the subscription period in order to achieve the mission condition. The mission condition of the mission group service may be set to one or more by the first customer (master).

The mission inquiry condition indicates the sharing scope of the mission achievement information indicating the degree to which the members of the mission group achieved the mission condition. Mission achievement may be expressed as the ratio achieved by each member of the mission group to the mission conditions. The mission view condition is a full share where each member of the mission group can view the mission achievement information for all members, a part share where some members of the mission group can view the mission achievement information of all members, and a master of the mission group. Only one can share the mission achievement information of all members with one of the master shares.

The mission group master information is information of customers who manage the members of the mission group. The mission group master may be set as a first customer requesting the establishment of a mission group or a customer designated by the first customer. It is assumed here that the first customer is designated as the mission group master. The mission group master information may include the name, address, social security number, account number, telephone number, and email address of the mission group master.

The financial server 10 establishes a mission group based on the mission group service setting information (S113). The financial server 10 may provide differential benefits to members of the mission group according to the mission group service setting information. For example, the financial server 10 may apply a special interest rate for the savings in accordance with the mission condition determined by the first customer. The financial server 10 may provide customer information and membership agreement information to the affiliate server 20 of the affiliate company selected by the first customer based on the mission group service setting information. The affiliate server 20 may register and process a corresponding customer as a member based on the customer information and the membership agreement information, and provide differential benefits such as a special discount rate or a special point accumulation rate for using the affiliate.

The financial server 10 transmits the mission group establishment information to the first customer terminal 31 (S114). The mission group establishment information may include the mission group name, subscription period, mission condition, mission inquiry condition, mission group master information, special interest rate, special discount rate, and special point accumulation rate of the established mission group.

(2) Mission Group Membership Registration Process

The first customer transmits the mission group service guide message to the second customer terminal 32 through the first customer terminal 31 (S120). The mission group service announcement message may include the mission group name, membership period, mission condition, mission inquiry condition, mission group master's name, mission group master's phone number, financial institution name, special interest rate of financial products, etc. Can be. The mission group service guidance message may further include a type of affiliates for providing affiliate related services, a special discount rate of affiliates, a special point accumulation rate, and the like. The mission group service announcement message may be transmitted through a short message service (SMS), an e-mail, a social network service (SNS), or the like.

The second customer transmits a mission group join request message to the financial server 10 through the second customer terminal 32 (S121). The mission group join request message may include the mission group name of the mission group, authentication information of the second customer, and customer information of the second customer. The authentication information of the second customer may include at least one of an ID, a PIN, a password, and a public certificate of the second customer. The customer information of the second customer may include the name, address, social security number, account number, telephone number, email address, etc. of the second customer. The mission group join request message may further include providing customer information of the second customer to the affiliate and joining member information.

The financial server 10 performs a customer authentication process using the authentication information of the second customer and then requests the first customer terminal 31 of the first customer, which is the mission group master, to join the mission group of the second customer. The approval request message may be transmitted (S122). At this time, the financial server 10 may check the mission group master's telephone number, email address, etc. from the mission group name of the mission group. The subscription approval request message may include customer information of the second customer.

The first customer may transmit a subscription approval message for approving subscription of the mission group of the second customer to the financial server 10 through the first customer terminal 31 (S123). The subscription approval message may include information on granting inquiry authority for inquiring mission achievement information of all members of the mission group. That is, the first customer may grant the second customer the inquiry permission to view the mission achievement information of the entire member only in the case of partial sharing among all mission, partial sharing, and master sharing conditions through the subscription approval message. Can be.

When the financial server 10 receives the subscription approval message from the first customer terminal 31, the financial server 10 registers the second customer as a member of the mission group (S124). The financial server 10 registers the second customer information in the member list of the mission group. The financial server 10 may apply a special interest rate to the financial account of the second customer.

The financial server 10 may provide the customer information and the membership agreement information of the second customer to the affiliate server 20 based on the mission group join request information. The affiliate server 20 may register the second customer as a member based on the customer information and the membership agreement information of the second customer, and apply a special discount rate or a special point accumulation rate to the use of the affiliate.

Meanwhile, the process of transmitting the subscription approval request message to the first customer terminal 31 by the financial server 10 (S122) and the process of receiving a subscription approval message from the second customer terminal 31 (S123) may be omitted. have. That is, when the financial server 10 receives the mission group join request message from the second client terminal 32, the financial server 10 undergoes a customer authentication process based on the customer information of the second client and registers the second client as a member of the mission group. Can be.

The financial server 10 transmits to the second customer terminal 32 a mission group joining completion message indicating that the second customer has completed joining the mission group (S125). The mission group joining message may include a mission group name, a subscription period, a mission condition, a mission inquiry condition, mission group master information, a special interest rate, a special discount rate, and a special point accumulation rate. The mission group joining completion message may further include granting information of inquiry authority for inquiring mission achievement information of all members of the mission group.

The financial server 10 transmits to the first customer terminal 31 a mission group member registration message indicating that the second customer is registered as a member of the mission group (S126). The mission group member registration message may include customer information of the second customer.

Meanwhile, the termination right of the mission group may be granted to the first customer who is the master. The first customer may notify the termination of the mission group to members who subscribe to the mission group by using SMS, email, SNS, etc. based on the customer information of the members of the mission group. The first customer may transmit the termination notice of the mission group to the financial server 10 through the first customer terminal 31, and the financial server 10 terminates the mission group at a predetermined time point by the termination notice of the mission group. can do.

(3) Mission progress information inquiry process

It is assumed that the mission inquiry condition is partly shared or master shared, and the second customer is not authorized to inquire about the mission achievement of all members of the mission group.

The first customer transmits a first mission progress information request message to the financial server 10 through the first customer terminal 31 (S130). The first mission progress information request message may include authentication information of the first customer. The authentication information of the first customer information may include at least one of an ID, a PIN, a password, and an authentication certificate of the first customer registered when the mission group service is opened.

The financial server 10 transmits the first mission progress information including the mission achievement information of all members of the mission group to the first customer terminal 31 (S131). Since the first customer is the mission group master of the mission group, the first customer is provided with mission achievement information of all members of the mission group. That is, the financial server 10 transmits the ratio of the accumulated amount to the target value of the reserve of the savings product subscribed to each member of the mission group to the first customer terminal 31. Alternatively, the financial server 10 receives each member of the mission group from the affiliate server 20 and receives the affiliate usage information using the affiliate, and each member of the mission group uses the amount or the number of times the target member uses the partner amount. Is transmitted to the first customer terminal 31.

The second customer transmits a second mission progress information request message to the financial server 10 through the second customer terminal 32 (S132). The second mission progress information request message may include authentication information of the second customer. The authentication information of the second customer information may include at least one of an ID, a PIN, a password, and a public certificate of the second customer registered at the time of joining the mission group.

The financial server 10 transmits the second mission progress information including the mission achievement information in which the second customer has achieved the mission of the mission group to the second customer terminal 32 (S133). Since the second customer is not authorized to inquire the mission achievement information of all members of the mission group, only the mission achievement information of the second customer is provided to the second customer.

That is, the financial server 10 transmits the ratio of the accumulated amount to the target value of the reserve of the deposit product subscribed to by the second customer to the second customer terminal 32. Alternatively, the financial server 10 is provided with the affiliate usage information by the second customer using the affiliate from the affiliate server 20, and the ratio of the amount or the number of times the second customer used the target value of the affiliate usage amount or the number of times Send to customer terminal 32.

In the above, it has been described that the mission group is established by the first customer using the first customer terminal 31. The first customer may include a corporate customer as well as a general customer using the deposit or deposit of the financial server 10. For example, the mission group may be established by an affiliate operating the affiliate server 20, and the affiliate may promote general customers to join the mission group. In addition, the financial server 10 may establish a mission group by itself, and the financial server 10 may promote the general or corporate customer to join the mission group.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10: Financial Server
11: Membership Management Department
12: certification unit
13: mission group information storage unit
14: affiliate management department
15: Account Management Department
20: affiliate server
30: customer terminal
31: first customer terminal
32: second customer terminal
33: third customer terminal

Claims (15)

In the way that the financial server provides the mission group service,
Receiving the authentication information and the mission group establishment request message of the first customer from the first customer terminal;
Authenticating the first customer using the authentication information of the first customer;
If the first customer is authenticated, transmitting a mission group service setting request message requesting to set information related to the mission group to the first customer terminal;
Information that is associated with a partner selected by the first customer among the affiliates linked to the financial company that operates the financial server, a first mission condition in which a target value for use of the affiliated company is set, and a goal to be accumulated in the financial account opened at the financial company Receiving, from the first client terminal, mission group service setting information including a second mission condition for which an amount of money is set and a mission inquiry condition indicating a sharing range of the achievement information of the first mission condition and the second mission condition;
Establishing a mission group using a first customer as a master according to the mission group establishment request;
Providing the first customer's customer information and subscription agreement information to an affiliate server operated by the affiliate company to register the first customer as a member of the affiliate company;
Mission group service guidance message for the mission group transmitted from the first client terminal to the second client terminal
In response to receiving a mission group join request requesting a second customer to join the mission group through the second customer terminal;
Receiving a subscription approval message from the first customer terminal to approve the second customer's subscription to the mission group;
Registering the second customer as a member of the mission group based on the mission group subscription request received from the second customer terminal and the subscription approval message received from the first customer terminal;
Providing the second customer with customer information and subscription agreement information to the affiliate server to process the second customer as a member of the affiliated company;
Receiving, by the affiliate server, each of the first customer and the second customer using affiliate information using the affiliate; And
Providing mission achievement information to at least the first customer terminal based on the affiliate usage information, the mission achievement information indicating a mission achievement ratio achieved by each of the first customer and the second customer in preparation for the first mission condition; ,
The first mission condition and the second mission condition are set by the first customer at the request of opening the mission group,
Apply a special rate to the account of the first customer and the account of the second customer on a condition that the first mission condition and the second mission condition are achieved for a predetermined period of time;
And providing benefit information to the affiliate server so that the affiliate company provides benefits to the first customer and the second customer for the predetermined period from the time of joining the mission group. delete delete The method according to claim 1,
The mission inquiry condition is a whole share in which all members of the mission group can inquire the mission achievement information, a share in which some members of the mission group can inquire the mission achievement information, and only a master of the mission group. Method of providing a mission group service which is any one of the master share that can query the mission achievement information. The method according to claim 1,
Registering the second customer as a member of the mission group,
And transmitting an approval request message for the mission group join request to the first client terminal in response to receiving the mission group join request. 6. The method of claim 5,
The subscription approval message is a method for providing a mission group service including the granting information of the inquiry authority to query the mission achievement information. The method according to claim 1,
Providing the mission achievement information,
Receiving a first mission progress information request message including authentication information of the first customer from the first customer terminal; And
And transmitting the mission achievement information to the first customer terminal after performing customer authentication of the first customer. The method according to claim 1,
Providing the mission achievement information,
Receiving a second mission progress information request message including authentication information of the second customer from the second customer terminal; And
A mission comprising the step of transmitting the mission achievement information to the second customer terminal after performing the customer authentication of the second customer, under the mission inquiry condition that all members of the mission group can query the mission achievement information. How to provide group services. The method according to claim 1,
Opening the mission group,
Providing the first customer with the termination right of the mission group. Request for establishment of a mission group with the first customer's authentication information and the target value for the use of affiliates linked to the financial company as the first mission condition, and the target amount to be accumulated in the financial account opened at the financial company as the second mission condition; and Receive mission group service setting information associated with the first mission condition and including affiliate information selected by the first customer from the first customer terminal of the first customer, and in response to the mission group establishment request, the first customer. Establish a mission group using the master, provide the customer information and the subscription agreement information of the first customer to an affiliate server operated by the affiliate company, and process the first customer as a member of the affiliated company, In response to the mission group service guidance message for the mission group transmitted from the customer terminal to the second customer terminal, the second A mission group subscription request requesting the second customer to join the mission group received through a guest terminal and a subscription approval message approving the second customer's subscription to the mission group received from the first customer terminal; Register the second customer as a member of the mission group, provide the customer information and membership agreement information of the second customer to the affiliate server, and register the second customer as a member of the affiliated company. A member manager for providing, to the first client terminal, mission achievement information indicating at least one mission accomplishment ratio achieved by each of the first and second customers in preparation for a first mission condition;
Upon receiving the authentication information of the first customer, the first customer to transmit a mission group service setting request message requesting to set the information related to the mission group to the first customer terminal using the authentication information of the first customer. An authentication unit that performs authentication;
The affiliated company transmits benefit information to the affiliated server so that the affiliated company provides benefits to the first customer and the second customer for a predetermined period from the time of joining the mission group, and each of the first customer and the second customer is transferred from the affiliated server. An affiliate management unit configured to receive affiliate use information using the affiliate;
A mission group information storage unit for storing mission group information including a mission inquiry condition indicating a sharing range of the first mission condition, the second mission condition, and the mission achievement information; And
And an account manager configured to apply a special interest rate to the account of the first customer and the account of the second customer on a condition that the first mission condition and the second mission condition are achieved during the predetermined period of time,
And the first mission condition and the second mission condition are set by the first customer when the mission group establishment request is made. delete delete 11. The method of claim 10,
The mission inquiry condition is a whole share in which all members of the mission group can inquire the mission achievement information, a share in which some members of the mission group can inquire the mission achievement information, and only a master of the mission group. Financial server providing a mission group service which is any one of the master share that can query the mission achievement information. 11. The method of claim 10,
The member management unit provides a mission group service for transmitting an approval request message for the mission group join request to the first client terminal in response to receiving the mission group join request. 15. The method of claim 14,
When the member manager receives the first mission progress information request message including the authentication information of the first customer from the first customer terminal, the member management unit performs the customer authentication of the first customer and then accomplishes the mission to the first customer terminal. Mission inquiry condition for transmitting all the information and receiving the second mission progress information request message including the authentication information of the second customer from the second customer terminal, the entire members of the mission group can query the mission achievement information A financial server providing a mission group service for transmitting the mission achievement information to the second customer terminal after performing customer authentication of the second customer.

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