KR101533273B1 - Method of transfering money - Google Patents

Abstract

In the present invention, a first account transfer is performed from a plurality of child accounts belonging to the same bank to a first mother account of a corresponding bank, and a second account transfer is performed from a first mother account of each bank to a second mother account of a bank selected in advance It is about how to transfer money.

The bank transfer method of the present invention comprises the steps of: performing a first account transfer from one or more child accounts belonging to the same bank to a first mother account of a corresponding bank; (S) to the second parent account for the entire bank.

Collection, transfer, step-up

Description

{METHOD OF TRANSFERING MONEY}

The present invention relates to a bank transfer system for performing a first account transfer from a plurality of bank accounts belonging to the same bank to a first mother account of a corresponding bank and for performing a second account transfer from a first mother account of each bank to a second mother account of a bank selected in advance And a transfer method.

A bank transfer is a system in which money can be transferred to another bank account through a cash dispenser (CD), automatic teller machine (ATM), and the Internet without using a bank counter. Is being imposed.

In general, a company that trades with a plurality of banks frequently establishes and operates a plurality of deposit and withdrawal accounts for each bank. In order to facilitate smooth execution of the funds, the fund manager divides the balance of the deposit and withdrawal accounts, And collects it into the deposit and withdrawal account. Such an operation is referred to as "fund collection", and the account in which the withdrawal occurs is called a "child account" and the account in which the deposit occurs is called a "mother account".

Assuming that at least one person's account is opened in each bank, and that the funds are collected from a parent bank of one of the plurality of banks, the transfer fee is paid to the account shall.

In other words, there is a problem in that, even when a plurality of accounts belonging to the same bank at the time of collecting funds, a fee is paid for each account.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a method and system for performing a first transfer from a plurality of bank accounts belonging to the same bank to a first mother account of a corresponding bank, In order to provide a bank transfer method.

One aspect of the present invention is a method for managing a bank account in a bank, comprising: performing a first account transfer from one or more child accounts belonging to the same bank to a first parent account of the corresponding bank; To the second mother-house for the entire bank. ≪ RTI ID = 0.0 > [0002] < / RTI >

The second account transfer may further include the step of receiving a first account transfer account assignment step and a step of receiving a account transfer amount of the designated account, ) Or a specified amount of money.

According to the present invention, when a customer who trades with a plurality of banks performs a fund collecting, the same bank may collect money to the first parent bank of the corresponding bank, thereby reducing the overall transfer fee.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out 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 terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

In addition, throughout the specification, the term "bank" refers to a financial institution that is responsible for credit, receipt, foreign exchange, etc., and refers to a financial institution that performs the same or similar business, such as a second financial institution or a third financial institution, .

1 is a diagram illustrating a concept of a transfer execution method according to an embodiment of the present invention.

Referring to FIG. 1, the customer opens deposit / withdrawal accounts 1 to 4 at bank A, opens deposit / withdrawal accounts 5 to 6 at bank B, and opens deposit / withdrawal accounts 7 to 11 at bank C.

When the collecting is performed according to the embodiment of the present invention, the collecting is performed primarily between the deposit and withdrawal accounts belonging to the same bank, and the collecting is performed secondarily among the representative accounts collected for each bank. Herein, the representative account of each bank in which the deposit is made into the first deposit is referred to as a "first mother account," and a representative account for an entire bank in which a deposit is made as a second deposit is referred to as a "second mother account."

1, the deposit / withdrawal account 4 of the bank A, the deposit / withdrawal account 6 of the bank B and the deposit / withdrawal account 8 of the bank C become the first parent account, and the deposit / withdrawal account 6 of the bank B becomes the first parent account and the second parent account .

Therefore, the deposit is primarily carried out from the deposit / withdrawal accounts 1 to 3 of the bank A to the deposit / withdrawal account 4, the deposit is carried out from the deposit / withdrawal account 5 of the bank B to the deposit / withdrawal account 6, and the withdrawal accounts 7 and 9 to 11 The deposit is carried out with the withdrawal account 8. Secondly, the deposit is carried out from the deposit-and-withdrawal accounts 4 and 8 to the deposit-and-withdrawal account 6.

At this time, the first mother and the second mother can be designated in advance by the customer.

Now, an account transfer method according to an embodiment of the present invention will be described in detail with reference to the drawings.

2 is a configuration diagram of a fund raising system 100 according to an embodiment of the present invention.

The fund collecting system 100 according to the embodiment of the present invention includes an input and output unit 110, an information storage unit 120, a control unit 130, and a money transfer unit 140. The configuration of FIG. 2 will be described as follows.

The input / output unit 110 receives the transfer information from the user. At this time, the transfer information received from the user includes a plurality of child account information, first parent account information, and second parent account information. In addition, the transfer information may further include information on whether or not the transfer amount and the transfer amount include the fee.

The account transfer unit 140 performs transfer from a plurality of child accounts to a first mother account using the information stored in the information storage unit 120, and performs transfer from the first mother account to the second mother account.

The information storage unit 120 stores transfer information received from a user. At this time, the transfer information includes a plurality of child account information, a first parent account information, and a second parent account information.

The control unit 130 controls operations of the input / output unit 110, the information storage unit 120, and the account transfer unit 140.

Now, an account transfer method according to an embodiment of the present invention will be described in detail with reference to the drawings.

3 is a flowchart of a method of transferring money according to an embodiment of the present invention.

3, the fund collecting system 100 receives transfer information including a plurality of child account information, first mother account information, second mother account information, etc. to be collected from a user (S101) (S102).

Thereafter, when receiving a fund collection request from the user (S103), the fund collecting system 100 searches for the transfer information using the information storage unit 120 (S104), and transfers the first deposit (S105). Thereafter, the fund collecting system 100 performs a transfer for secondary collection from the first parent to the second parent (S106). Here, it is preferable to selectively set transfer amounts of the respective accounts for the first order and the second order including the fee and the fee, and carry out the transfer.

According to the embodiment of the present invention, the first order accumulation is performed (the inter-bank account transfer) to the first mother account for a plurality of account accounts of the same bank, and then the second accumulation is performed from the first mother account to the second mother account Transfer from one to another).

The transfer fees between the same banks are usually relatively low compared to free or inter-bank transfers, so there is an effect of reducing transfer fees compared to the case of transferring accounts from multiple accounts to the second parent individually. That is, instead of individually performing the inter-line transfer from the plurality of child accounts to the second mother account, the plurality of child accounts of the same bank are first funded by the first mother account, Since the user performs a one-time inter-bank account transfer to the second mother account, it is possible to reduce the total transfer fee.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

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.

1 is a diagram illustrating a concept of a bank transfer method according to an embodiment of the present invention.

2 is a configuration diagram of a fund collecting system according to an embodiment of the present invention.

3 is a flowchart of a method of transferring money according to an embodiment of the present invention.

Claims (4)

A method for transferring money to a corporation in which a fund collection system has a plurality of accounts opened in each of a plurality of banks, Setting a first parent account among at least one account opened in the same bank for each of the plurality of banks; Collecting to the first parent within the same bank; Setting a second parent account among the first parent accounts set for each of the plurality of banks; And Collecting from each of the first mother accounts to the second mother account Lt; / RTI > The step of collecting into the first mother- Receiving an account to perform account transfer; And Entering the account transfer amount The method comprising: delete The method according to claim 1, The step of collecting to the second mother- Wherein the first account is performed for the entire amount of the first mother account. The method according to claim 1, The step of collecting to the second mother- Wherein the predetermined amount of money is performed for a specified amount of money of each of the first parent accounts.

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