KR101699906B1 - Bank server providing collective opening account service and method of operation thereof - Google Patents

Abstract

The present invention relates to a bank server providing a collective opening account service, and a method thereof. The method for providing a collective opening account service through a bank server can comprise the steps of: receiving an application for a collective opening account service for regularly newly opened a plurality of accounts through one registration of opening account information from a user terminal; creating new reservation information to open the accounts at a predefined interval depending on the application; depositing a first money which is set to be withdrawn to a first account by opening a first account of the accounts depending on the new reservation information; and opening a second account of the accounts in a second period depending on the new reservation information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank server providing a bank account opening service,

The present disclosure relates to a method and a bank server for providing a service in which a bank server opens a plurality of accounts collectively with a single new subscription to a bank collective opening service subscriber.

Recently, the number of tech products that can secure liquidity of funds and induce asset accumulation is increasing. Among these products, newly designed products that are designed to receive monthly deposits / savings accounts after one year by newly establishing new accounts and saving a predetermined amount of money are becoming popular.

However, there was a hassle to join a new account in order to create a new account every month, and the timing of joining missed due to user 's carelessness frequently occurred. In other words, there were customers' inconveniences because the same procedure had to be repeated 12 times in order to open a total of 12 bankbooks for one year every month.

Korean Patent Publication No. 10-2008-0044601 (May 21, 2008)

According to one embodiment, a service that can open a new account every month through registration of one account opening information is provided.

According to an embodiment of the present invention, a bank server provides a method for providing a bank account opening service, and the present disclosure discloses a method for providing a bank account opening service in which a plurality of accounts are newly opened periodically The method comprising: generating reservation new information such that a plurality of accounts are newly opened according to a predetermined period in accordance with a subscription request; opening a first account among a plurality of accounts in accordance with the reservation new information; Withdrawing the determined first funds and depositing the determined first funds into the first account, and opening a second one of the plurality of accounts in the second period according to the reservation new information.

The step of generating new reservation information may include the steps of generating reservation new information including at least one of a plurality of accounts, a date when a plurality of accounts are newly opened, money to be withdrawn from the user account, and addition rate information .

The step of newly opening the second account among the plurality of accounts in the second cycle according to the reservation new information includes the steps of: determining whether the user account has more than the predetermined second funds; Opening a second account if there is more than the second funds, and withdrawing the predetermined second funds from the user account and depositing the second funds into the second account.

The step of newly opening the second account among the plurality of accounts in the second cycle according to the reservation new information includes the steps of: determining whether the user account has more than the predetermined second funds; Sending a shortage message to the user terminal when the second funds do not exist, opening a second account after a predetermined number of days have elapsed from the second period, and withdrawing the second funds from the user account 2 < / RTI >

Re-determining whether the funds of the user account are more than the second funds after the predetermined date has elapsed from the second period, if the funds of the user account do not exist more than the second funds, canceling the opening of the second account , And transmitting an account opening cancel message to the user terminal.

The step of receiving a subscription request for an account collective opening service from a user terminal includes the steps of receiving authentication information from a user terminal, authenticating the authentication information, and using authentication information every time a plurality of opened accounts are opened periodically And accepting consent to doing so.

Here, the first account may be applied with a first interest rate reflecting a notice interest rate of an opening date when the first account is opened, and the second account may be applied with a second interest rate reflecting a notice interest rate of an opening date when a second account is opened.

The method of claim 1, further comprising: when the first account and the second account are opened, determining whether the first account and the second account correspond to a predetermined additive rate application criterion; and, when opening an account corresponding to the predetermined additive rate application criterion, Can be opened.

In addition, the predetermined additive rate application criterion may include a case where the number of the plurality of accounts specified by the user terminal is larger than the number determined in advance by the bank server.

In addition, the step of newly opening the second account among the plurality of accounts in the second cycle,

Withdrawing the first funds from the user account and depositing the first funds from the user account into the first account, and withdrawing the predetermined second funds from the user account into the second account.

Determining whether the funds of the user account are more than the sum of the first funds and the second funds; if the funds of the user accounts are more than the sum of the first funds and the second funds, Withdrawing the funds to the first account, opening the second account, withdrawing the second funds, and depositing the second funds into the second account, the step of depositing the funds into the second account, , The first money is withdrawn from the user account and deposited into the first account, the balance remaining message is sent to the user terminal, and after the predetermined date has elapsed from the second period, the money of the user account is transferred to the first account And if the funds in the user account are less than the sum of the first and second funds, send a balance short message to the user terminal, And re-determining whether or not the funds of the user account after the elapse of the period are more than the sum of the first fund and the second fund.

Here, a plurality of accounts may include twelve accounts opened in a cycle of one month.

It is also possible to newly open the twelfth account of the plurality of accounts in the twelfth cycle, to determine the first account as the expiration account, to transmit the expiration account guidance message to the user terminal, and to cancel the first account from the user terminal And selecting a re-deposit of the first account.

Also, the step of receiving a subscription request for an account collective opening service from the user terminal includes a step of providing a plurality of account opening rules periodically opened, an interest rate reflecting a notice interest rate at the time of subscription application, .

According to an embodiment of the present invention, there is provided a bank server for providing an account opening service, wherein a bank server receives a subscription request for a bank account opening service in which a plurality of accounts are newly opened periodically by registering one account opening information from a user terminal The subscription requesting section generates reservation new information such that a plurality of accounts are newly opened according to a predetermined period according to the subscription request, opens a first account among a plurality of accounts in accordance with the reservation new information, And an account opening unit for withdrawing the first funds and depositing the first funds into the first account, and opening a second account among the plurality of accounts in the second period.

In addition, a computer readable recording medium on which a program for executing a method according to an embodiment is recorded may be included.

According to an embodiment, a customer can newly establish an account of a plurality of deposit / savings account transfer accounts through account registration information registration at the time of a new registration, so that the management of the stocks can be facilitated.

According to one embodiment, the customer can avoid the hassle of having to newly register a new account every month, so that the customer can take advantage of the planned technology product.

According to one embodiment, the bank can open 12 passbooks through one new registration procedure, thereby enabling continuous customer management and attraction.

In addition, according to one embodiment, the bank can predict the state of the bank fund more accurately by opening and managing an account online.

FIG. 1 is a view for explaining an economics product to which an account collective opening service according to an embodiment is applied.
2 is a diagram illustrating a system for providing a bank account opening service using a bank server and a user terminal according to an embodiment of the present invention.
3 is a functional block diagram illustrating a configuration of a bank server according to an exemplary embodiment of the present invention.
4 is a functional block diagram illustrating a configuration of a user terminal according to an embodiment.
FIG. 5 is a flowchart illustrating a method for providing an account opening service according to an embodiment of the present invention.
FIG. 6 and FIG. 7 are diagrams illustrating a user terminal displaying a message generated through the account collective opening service according to an exemplary embodiment of the present invention.
FIG. 8 is a diagram illustrating a screen provided to a user terminal at the time of an initial access to an account collective opening service according to an exemplary embodiment of the present invention.
FIG. 9 is a view showing a screen for accepting a contract agreement at the time of accessing an account collective opening service according to an embodiment.
FIG. 10 is a view showing information displayed at the time of accessing an account collective opening service according to an embodiment.
11 is a diagram illustrating a public key certificate displayed on a user terminal according to an exemplary embodiment of the present invention.
FIG. 12 is a diagram illustrating a flow in which a bank server according to an embodiment provides an account collective opening service for an integrated mold technology product to a user terminal.
FIG. 13 is a flowchart illustrating a bank server according to an embodiment of the present invention, which provides a bank account opening service for a deposit-type financial tech product to a user terminal.
14 is a diagram showing a flow in the case where the balance of the user account is insufficient according to the embodiment.
FIG. 15 is a diagram showing a new information automatic setting screen displayed on a user terminal when an account opening service is stopped according to an embodiment.

These embodiments are capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the description. It is to be understood, however, that it is not intended to limit the scope of the specific embodiments but includes all transformations, equivalents, and alternatives falling within the spirit and scope of the disclosure disclosed. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description of the embodiments of the present invention,

The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by terms. Terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of the claims. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. Referring to the accompanying drawings, the same or corresponding elements are denoted by the same reference numerals, and a duplicate description thereof will be omitted.

The "account opening information" referred to in this specification means information capable of creating an account necessary for using the account opening service. For example, the "account opening information" may include personal information, a password, an account opening date, a money transfer date, an amount of money to be transferred,

The "deposit and withdrawal information" referred to in this specification means information related to the transfer. For example, the "deposit and withdrawal information" may include a deposit amount, a deposit account, a withdrawal account, a due date, a deposit period, a transfer notification area, a transfer notification area, and the like.

The "authentication information" referred to in the present specification means information necessary for the account collective opening service subscriber to authenticate that he / she has a legitimate authority with respect to an account used for deposit / withdrawal service and deposit / withdrawal. For example, the "authentication information" may include a withdrawal account password, an authorized certificate and an authorized certificate password, a password for account transfer, and the like.

As used herein, the term "user" may refer to a subscriber for subscribing to an economics product to which the account opening service is applied. In addition, it may refer to a user who uses a user terminal for using an account collective opening service provided by an embodiment.

The "bank application" referred to in the present specification means an application installed in the user terminal and providing a transfer service to the user. The bank application serves as a platform for the account collective opening service subscriber to transmit the account opening command and the money transfer command to the bank server through the user terminal. The banking application may provide a banking service other than the account opening service mentioned above.

FIG. 1 is a view for explaining an economics product to which an account collective opening service according to an embodiment is applied.

FIGS. 1A and 1B are diagrams illustrating an example of a deposit-type deposit of an investment-grade product using a plurality of accounts among stock lots.

A product that uses multiple accounts can mean more savings and savings each month. For example, looking at FIG. 1A, the first January 101 and the January 102 one year later can be compared. In the first January (101), a passbook 1 is opened and a predetermined amount of 100,000 won can be saved every month. One month later, in February, a bankbook 2 will be opened. In the case of bankbook 2, a predetermined amount of 100,000 won will be saved every month from February. The total savings in February will be 200,000 won. In this way, a new bankbook is opened once a month, 12 bankbooks are opened for 12 months, and the savings increase.

One year later, in January (102), passbook 1 expires and you can find savings of $ 1,200. And in February, a month later, a bankbook made in February last year will expire and you can find savings of 1.2 million won. In this way, the 12 bankbooks opened last year expire once a month, so you can establish savings habits.

Referring to FIG. 1B, the overall flow of the system for providing the account opening service of the present invention can be confirmed. For example, when January 103 and April 104 are taken as an example, a first account is newly opened in January 103, and a predetermined amount is saved in the opened account. The remaining 11 months will be transferred to the first account through automatic transfer. If you look at April (104), a predetermined amount is saved in the new account opened in April in April (104), and a total of 4 passbooks can be opened up to the account already opened in February and March. And, each bankbook can accumulate savings for 12 months through 11 automatic transfers.

The account opening service provides the effect of easily managing these savings products and by opening and managing 12 accounts on a predetermined day once a month through one account information registration through the present invention, The product can be operated efficiently.

1C is a diagram for explaining an example of a deposit product to which an account opening service is applied.

A new account is opened every month for deposits to which the account opening service is applied. For example, as shown in FIG. 1C, in the first year 105, the first account is opened in January, the first fund is saved, the second account is opened in February, and the second funds are saved As a result, a total of twelve accounts are opened in December, and the pre-established funds in each account are saved.

When it becomes the second year, the money set up in the first year (105) is saved once again once a month. That is, in the January account opened in the first year (105), the first fund saved for one year, the one-year interest thereon and the first fund newly saved in January of the second year may be saved.

In this way, looking at the January of the fifth year (106), the four first funds and the respective interest, which have been saved for four years, are saved, and the fifth fund of the fifth year (106) can be saved. In other words, interest is accumulated in the savings account, which is generated one by one every month on a year-to-month basis, and the principal is saved again, and this process can be repeated. In other words, depositors can conduct efficient financial talks through a total of 12 fixed deposits.

2 is a diagram illustrating a system for providing a bank account opening service using a bank server and a user terminal according to an embodiment of the present invention.

Referring to FIG. 2, a system for providing an account opening service may include a bank server 100 and a user terminal 200.

The bank server 100 may receive user information for opening an account from the user terminal 200. [ In addition, the bank server 100 can open a plurality of accounts to the user terminal according to a predetermined period, and manage the opened user accounts.

The user terminal 200 may be a user terminal 200 subscribed to an account opening service or may be a user terminal 200 of another entity, as the case may be. The client user terminal 200 may include any electronic device having a communication path connection function such as a cellular phone, a smart phone, a notebook computer or a PDA. The user terminal 200 may be a stand-alone device such as a smart phone, or a device coupled to a vehicle, such as an automobile. The user terminal 200 can access the bank server 100 through the communication path.

The bank server 100 may be a centralized server computer as well as a personal computer, a distributed computing device. The bank server 100 may be concentrated in a single computer room, or may be separate in several computer rooms. The bank server 100 can access the user terminal 200 via the communication path 106.

Here, the communication path 106 may include not only wireless communication, wired communication, and optical communication, but also any type of network connecting an electronic device having a network connection function. The user terminal 200 may transmit data to the bank server 100 via the communication path 106. [ Likewise, the bank server 100 may send data to the user terminal 200 via the communication path 106. The communication path 106 may include a server for relaying data transmitted between the bank server 100 and the user terminal 200.

3 is a functional block diagram illustrating a configuration of a bank server according to an exemplary embodiment of the present invention.

3, the bank server 100 includes a subscription request unit 110, an account opening unit 120, a depository and withdrawal unit 130, a storage unit 140, a communication unit 150, an authentication unit 160, And a message generator 170.

The subscription request unit 110 can receive a request to subscribe to the account bundling service from the user terminal 200 and proceed to join the account bundling service. The subscription request unit 110 can receive information necessary for opening a new account. For example, it is possible to receive account opening information such as an account creation date, a savings amount, a direct debit or a transfer date, and the like.

The account opening unit 120 can open an account according to the account collective service. The account opening unit 120 can open a new account upon joining of the service and create a new account once every predetermined period from thereafter. Here, the period may mean a period of one month, but is not limited thereto. The account opening unit 120 can create an account on the date designated by the user.

In addition, the account opening unit 120 may generate reservation new information so that a plurality of accounts can be newly opened according to a predetermined period in accordance with the subscription request of the user terminal 200. [

The deposit-and-withdrawal unit 130 can manage the details of depositing in the user's account. The deposit and withdrawal unit 130 can withdraw the predetermined funds from the account designated by the user and deposit the funds into the account created by the economics product to which the account collective opening service is applied. The deposit and withdrawal unit 130 can deposit funds into the account on the day designated as the automatic transfer date. Also, the deposit-and-withdrawal unit 130 can deposit a predetermined amount of money, which has been withdrawn from the user account, to a plurality of opened accounts at a predetermined cycle once.

The storage unit 140 may store personal information necessary for account creation, information on deposit and withdrawal details, authentication information, and information necessary for providing an account opening service. The storage unit 140 may be implemented by various types of memories or hard disks. The storage unit 140 may distribute two or more elements in various places.

According to one embodiment, the storage unit 140 (or the contract information D / B) is preferably provided in the DBMS on the bank server 100 provided on the account opening system of the landlord and the tenant, May be a predetermined database in the DBMS on the server 100, and thus the present invention is not limited thereto.

The storage unit 140 according to one embodiment can be provided in a DBMS on at least one of a banking system, a telebanking system, and / or a wireless banking system, and / or a TV banking system, whereby the present invention is not limited No.

The communication unit 150 can transmit and receive information to and from the devices outside the bank server 100. The communication unit 150 can transmit and receive information necessary for providing account creation, account management, deposit and withdrawal information, authentication information, deposit and withdrawal commands, and deposit and withdrawal service. The communication unit 150 is connected to the communication path 106 so that the bank server 100 can function as a communication hub. Data communication portion 150 may be implemented with active or passive components such as electronic circuits or antennas to interact with communication path 106.

The authentication unit 160 can perform authentication required for account creation and funds transfer. The authentication information may include a public certificate, a password of an authorized certificate, an ID / password, a withdrawal account password, a transfer password, and the like. The authentication unit 160 compares the authentication information transmitted from the outside via the communication unit 150 with the authentication information stored in the storage unit 140, and determines whether the transmitted authentication information is correct authentication information. Since the transmitted authentication information and the stored authentication information may be encrypted, the authentication unit 160 may include a function of decrypting the encrypted authentication information.

4 is a functional block diagram illustrating a configuration of a user terminal according to an embodiment.

4, the user terminal 200 may include a communication unit 210, a display unit 220, a user input unit 230, a memory 240, and a controller 250.

The display unit 210 may display a screen provided so as to utilize the account opening service. The display unit 210 may be controlled by the control unit 250 to display icons provided in the account opening service on the home screen. In addition, a service screen connected to the icons selected by the user input unit 230 can be displayed.

Also, the display unit 210 can display the execution result of the application executed in the user terminal 200 in real time by being controlled by the control unit 250, which will be described later. The display portion 2100 may include, for example, a touch screen, but is not limited thereto.

The user input unit 220 may receive user input to the user terminal 200. The user input unit 220 may receive a user input for a display provided through the account opening service. The user input unit 220 may include, but is not limited to, a touch screen, for example.

The memory 240 may store information used to display a service display screen including icons indicating the execution result of the application of the user terminal 200 on the screen of the user terminal 200. [ In addition, the memory 240 may store account information generated by the user terminal 200, personal information of the user, information on the progress of each account until the expiration date, and the like.

Under the control of the control unit 250, the communication unit 210 establishes communication with the bank server 100 that provides the bank account opening service, and can transmit and receive data. The control unit 250 can transmit / receive a content to an external device connected through the communication unit 210, download an application from an external device, or perform web browsing. The communication unit 210 may include one of a wireless LAN, a Bluetooth, and a wired Ethernet. In addition, the communication unit 210 may include a combination of a wireless LAN, Bluetooth, and wired Ethernet.

The communication unit 210 may receive a signal corresponding to a Bluetooth type user input (for example, touch, press, touch gesture, voice, or motion) through Bluetooth communication. The communication unit 210 may further include a near field communication (for example, NFC (near field communication), not shown) and a bluetooth low energy (BLE) in addition to Bluetooth.

The control unit 250 controls the operation of the entire user terminal 200 and controls the operation of the display unit 220, the user input unit 230, the memory 240 and the communication unit 210, So that the opened service can be executed.

FIG. 5 is a flowchart illustrating a method for providing an account opening service according to an embodiment of the present invention.

In step S510, the user terminal 200 may receive a subscription request for the account opening service

The bank account opening service may mean providing an investment commodity to which a bank account opening service for opening a plurality of accounts according to a period set by a user is applied through one account opening information registration.

The bank server 100 may receive the account opening information from the user terminal. At this time, the account opening information may include batch agreement information on user personal information utilization for registering a plurality of accounts.

In addition, the bank server 100 may set up a plurality of account opening rules established through the account opening service at the time of receiving the registration application for the account opening service, the interest rate reflecting the notice interest of the opening date at the time of enrollment, And can provide information on a technology-applied product to which the service is applied.

In addition, the bank server 100 may receive a batch agreement for receiving the authentication information from the user terminal, authenticating the authentication information, and using the authentication information when opening a plurality of accounts.

In step S520, a first account is opened in the first cycle according to the subscription request of the user terminal 200, the first funds can be withdrawn from the user account and deposited into the first account.

The first account may refer to a savings account or a savings account of a user opened to utilize an economics product to which the account opening service of the account opening service is applied.

A user account can be an account that contains funds of a user who can deposit funds or savings funds into an account opened through the account opening service. The user account can include, but is not limited to, a new account opened additionally through the account opening service, or an existing user account. Alternatively, a user account previously registered by the user may be included.

The first period may mean either a new account appointment date designated by the user or a deposit date, and may be automatically designated by the bank server 100. Here, the first period may mean the first period of the plurality of cycles designated by the user, and may mean the first one of the twelve cycles based on one month, for example.

In S520, according to the subscription request of the user, reservation new information can be generated so that a plurality of accounts can be newly opened according to a predetermined period.

The reservation new information may include any one of whether or not to select deposit and savings, the number of accounts to be opened, the period, amount of funds, designation of a specific date, and addition rate information, but is not limited thereto.

Here, the predetermined period may be set by the user, and may be set so that the account can be newly opened, for example, at intervals of one month. Also, the period may be set to a basic period preset by the bank server 100, and may be changed by a user. But is not limited thereto.

The number of the plurality of accounts means the number of accounts that the user desires to be opened for retouching, and may vary according to the period. In addition, the bank server 100 may set the number of basic opened accounts in advance in the account opening service. For example, you could assign 12 new accounts a year. In addition, the user may set up accounts with less than or more than twelve accounts, so that the interest rate applied when opening an account may be changed.

In S530, the predetermined first fund can be withdrawn from the user account and deposited into the first account in the first period.

That is, the user can open the first account at the same time as the application for the subscription, and deposit the predetermined funds into the first account. At this time, the withdrawal account can deposit the predetermined funds on the predetermined date by the user once every predetermined period to the first account by the bank server 100.

The predetermined money and the predetermined date are determined by the new reservation information determined at the time of the subscription application of the user, and the user who wants to change may change the funds and the date through the user terminal 200. [

In step S540, the second account of the plurality of accounts can be opened in the second cycle in accordance with the new reservation information.

That is, a plurality of accounts can be opened according to a cycle based on the day when the first account is opened. For example, a plurality of accounts may mean a total of 12 accounts opened for a month.

At this time, the date when the account is opened may be designated in advance by the user. For example, a total of 12 accounts can be created on the fourth day of each month for a period of one year.

That is, the user's account can be automatically opened in the second cycle according to the reservation new information generated in the first cycle or before. The specific date of the second cycle in which the second account is opened may be specified in advance by the user. Here, the second account may include either a savings account or a savings account.

In addition, when the second account is opened, the bank server 100 can withdraw the predetermined second funds from the user account and deposit the second funds into the second account.

Further, in the case of a user who has subscribed to the savings product, the bank server 100 withdraws the first funds from the user account and deposits them into the first account, opens the second account, Can be withdrawn and deposited into the second account.

The user can set a date for opening a plurality of accounts by using the account opening information registered at the time of signing and the user's personal information agreement. That is, there is an effect that accounts can be collectively created and managed without cumbersome account information registration and consent.

Hereinafter, the account collective opening service will be described in detail as an example of the savings product among the investment products.

Referring to S540, in the second cycle, the first fund is deposited into the existing first account for the second time, the second account is newly opened using the user information registered by the user in the past, The first second fund may be deposited. In summary, in the second cycle, two accounts are opened in the name of the user, two funds are deposited in the first account, and one fund can be deposited in the second account.

Further, as a further example, when looking at a period of one month, a fourth account, which is a new account, is opened four months after the first account is created, and a total of four accounts are created in the name of the user, You can deposit each of the predefined funds into your account. At this point, the first account may be deposited with a total of four first funds.

Also, in the n-th cycle, the first to n-1th funds are withdrawn from the user account and deposited into the first to n-1th accounts, the n-th account is opened out of the plurality of accounts, The determined n-th money can be withdrawn and deposited into the second account.

Next, the bank server 100 withdraws the second to n-th funds from the user account and deposits the funds from the user account into the second to n-th accounts in the (n + 1) The contract expiration message can be transmitted.

As in the previous example, if twelve cycles are opened in a cycle of one month, the twelfth cycle may be the last cycle. In the twelfth cycle, as the twelfth account is opened, a total of twelve accounts can be opened in the name of the user. At this time, 12 first funds are deposited in the first account, and a maturity account is made at the end of the 12th cycle. The bank server 100 may notify the user terminal 200 that the first account has become an expiration account.

Further, at the 13th cycle, each of the funds can be deposited into the remaining 11 accounts except the first account, which is a maturity account. In the thirteenth cycle, since the second account becomes a due account, the bank server 100 can notify the user terminal 200 of the expiration of the second account, and can further inform the user about the future direction of the expired account .

Also, each account can be created by applying an interest rate that reflects the public interest rate of the opening date determined according to the opening time. In other words, the first account applies the interest rate reflecting the notional interest rate of the first opening day, the second account is the interest rate reflecting the notice interest rate of the second opening date, and the remaining plural accounts are the month Interest rates that reflect the official interest rate of the opening date may be applied.

In addition, according to each cycle, the bank server 100 can determine whether there is sufficient funds to open each account from the user's account. As a result of the check by the bank server 100, if the funds of the user account are not sufficient to open an account, the bank server 100 may transmit the account balance message to the user terminal 200.

The bank server 100 can confirm the funds of each account after a predetermined period elapses from the period when the account is not opened. At this time, if there is sufficient funds to open a new account, the bank server 100 may open an account.

On the other hand, if there is insufficient funds to open a new account, the bank server 100 may cancel the opening of the account and provide a notification to the user terminal 200 for opening a new account. That is, the bank server 100 can obtain an agreement on the opening of an account manually from the user by providing a new information automatic setting screen. At this time, the user has an opportunity to obtain sufficient opportunity to deposit funds in the user account.

That is, the bank server 100 may provide a reconfirmation of the balance of the user account and a message transmission to the user terminal 200 so that the account opening service may be continuously ensured.

FIG. 6 and FIG. 7 are diagrams illustrating a user terminal displaying a message generated through the account collective opening service according to an exemplary embodiment of the present invention.

As shown in FIG. 6, when a new account is opened, the bank server 100 may generate account information and transmit the information to the user terminal 200.

FIG. 6 shows an embodiment in which a ninth new account is created after 9 months from the date of the opening of the user account collective opening service set to open 12 accounts in a cycle of one month.

The message can include information such as the service's availability, information on the account being created, interest rate information that reflects the notional interest rate on the opening date applied to the account, and expiration date. In addition, a message including the deposit and withdrawal history of the user account can be transmitted to the user terminal.

The message may be displayed on the display unit 220 of the user terminal 200. The size and shape of the message are not fixed and can be changed in a variety of ways. In addition, the message may be located anywhere on any portion of the display 220. The message may be provided in the form of a problem message as shown in FIG. 6, but is not limited thereto.

The message can be transmitted using various means such as SMS (Short Message Service), MMS (Multi Message Service), voice message, e-mail, Social Network Service (SNS) , But may be provided in other notification schemes.

7 is a diagram illustrating a message transmitted to the user terminal 200 when an account can not be created on a predetermined date according to an embodiment of the present invention.

According to an embodiment, the bank server 100 can create a plurality of accounts by registering account information once by the account opening service. However, if an account is not created on a predetermined date due to insufficient balance of the user account, the message can be transmitted to the user terminal 200.

At this time, the bank server 100 can transmit the created message including the reason why the account is not created.

In addition, if the new account is not created, the bank server 100 may generate an account again after a predetermined period of time has elapsed. This allows you to manage the ongoing provision of bulk account opening services.

Additionally, the bank server 100 may verify that the balance of the user account is sufficient to open a new account and transfer funds after a predetermined period of time. If the balance of the user account is not sufficient, the bank server 100 may send a low balance message to the user terminal 200. Further, a message can be transmitted including a lack of balance and a reason for the shortage.

In addition, if the balance of the user account is not sufficient after a predetermined period of time, the bank server 100 can cancel the opening of the new account. At this time, it is possible to transmit to the user terminal 200 that the opening of the account has been canceled. At this time, if the opening of the account automatically opened is canceled, the bank server 100 can separately ensure that the opening of the account is opened under a predetermined period by separately receiving a new account application from the user. The bank server 100 can notify the user of opening an account by sending a notification message about the account opening day before the account is opened.

FIG. 8 is a diagram illustrating a screen provided to the user terminal 200 at the time of initial entry of the account bundle opening service according to one embodiment.

As shown in FIG. 8, an introduction (801) of a tech stock product to which an account collective opening service is applied at the time of accessing the account collective opening service, an introduction (803) of the account collective opening service, and a subscription agreement (805) may be provided.

In the case where the introduction of the investment tech support product 801 in which the account bundling service is applied is selected, the contents of the goods related to the advantage, flow, account creation and management provided by the investment tech support product to which the account bundling service is applied are displayed . In this case, the investment product may include the contents of the deposit or the savings product.

Introducing a bank account opening service capable of generating a plurality of accounts through one account information registration in order to efficiently manage an investment goods to which the account open service is applied (803) is selected Can be displayed. For example, it is possible to display an introduction of a service that can open 12 accounts sequentially at a scheduled time only by confirming the first one merchandise manual and terms.

 In addition, when the subscription agreement 805 is selected, it is possible to display the content of the subscription agreement of the investment goods and the account collective opening service to which the account collective opening service is applied.

FIG. 9 is a diagram illustrating a screen for accepting a condition agreement upon joining an account collective opening service according to an embodiment.

As shown in FIG. 9, a message can be displayed to the user terminal 200 to receive consent for the contents of the investment goods description manual 901 and the account opening service agreement 903 to which the account opening service is applied have.

The user may choose to agree to the techie product description and the terms and conditions. At this time, the agreement selected here may mean that the user agrees to open a plurality of accounts in accordance with a predetermined period through one account information registration. Here, a plurality of accounts and periods can be selected by the user. For example, if you create 12 accounts with a period of one month, the user can select a batch agreement for 12 products.

10 is a view showing information displayed at the time of subscribing to an account collective opening service according to an embodiment.

As shown in FIG. 10, the bank server 200 may display user account information 1001 registered in a bank account opening service through a user terminal. In addition, an authentication information confirmation window 1003 for confirming user information can be displayed through the user terminal 200. [

The user account information 1001 includes information on the registered goods, the name of the deposit / deposit, the accumulation method, the contract period, the initial payment, information on automatic retransmission, application tax, and information on the user account number used at the time of withdrawal .

Also, the authentication information confirmation window 1003 can authenticate the user himself or herself by inputting the transfer password and the security card number of the withdrawal account.

The authentication unit 160 of the bank server can compare the authentication information transmitted from the user terminal 200 with the authentication information stored in the storage unit 140. [ The transmitted authentication information and the stored authentication information may be encrypted so that the encrypted authentication information may be decrypted.

According to an embodiment, a plurality of accounts are opened on a predetermined date according to a period through the initial authentication and registration, and efficiency in managing the transfer of funds can be increased.

11 is a diagram illustrating a public key certificate displayed on a user terminal according to an exemplary embodiment of the present invention.

The user terminal can confirm the information on the account information of the user, the progress of the product, etc. through the login of the authorized certificate.

 The authorized certificate login item 1103 is an item for providing a login using the authorized certificate. Certified certificates are electronic information that identifies and certifies that the information used to make the electronic signature belongs solely to the subscriber who signed the electronic signature. An official certificate is issued by an accredited certification authority and valid only for the period of validity. If the valid authorized certificate and the password for the authorized certificate are presented in the authorized certificate login item 1103, the account information confirmation screen will be displayed. Whether or not the authorized certificate is valid and whether the password of the authorized certificate matches with the authorized certificate can be confirmed by transmitting the authorized certificate and the password of the authorized certificate to the bank server 100 or the authorized certificate server.

FIG. 12 is a diagram illustrating a flow in which a bank server according to an embodiment provides an account collective opening service for an integrated mold technology product to a user terminal.

FIG. 12 is an explanatory diagram of three accounts out of 12 accounts opened in a period of one month.

As shown in FIG. 12, in step S1201, the bank server 100 may receive an account balance service subscription request from the user terminal 200. FIG.

At this time, the user terminal 200 can input necessary information on personal information, information necessary for opening a bank account, account opening date and time, transfer amount, batch agreement for opening 12 accounts, and the like.

In step S 1202, the bank server 100 may store 12 account opening information, which is information received from the user terminal 200. Here, the twelve account opening information may be information on an account opening service that is created once a month on the basis of the subscription time through one information input. In particular, it may include information on consent to the establishment of a new bank account to be opened in accordance with the provision of the financial products to which the bank account opening service is applied, and information on the preference for personal information utilization.

In step S1203, the bank server 100 can execute the first account opening and the money transfer. Here, the predetermined money can be transferred simultaneously with the opening of the first account. The amount transferred to the first account and the transfer date and time can be designated in advance by the user. The predetermined amount may be withdrawn from the user's account, or deposited by the user, and deposited in the first account.

In S1204, the bank account server 100 can transmit a notification message to the user terminal 200 as the first account is opened and the money is transferred. At this time, the notification message received by the user terminal 200 includes the account information and the transfer amount according to the normal opening of the first account, the balance information of the remaining user account after the transfer, the interest rate reflecting the notice interest of the opening date applied when the first account is created Information, and the like.

In S1205, after the first account is opened, the bank server 100 may open a second account after one month. The second account is a service that is provided according to the subscription of the installment-type product, and may mean the account opened the second time among 12 accounts opened in total. At this time, the date on which the second account is opened may be specified in advance by the user. The second account may be opened on the basis of the interest rate at which the notified interest rate of the opening date applied on the day when the second account is opened.

In S1206, the bank server 100 may transfer the predetermined funds to the first account and the second account. At this time, the transfer date may be the date when the second account is opened. Here, the first account is a predetermined money and the predetermined money at the time when the first account is opened, and the second account is funds transferred to the predetermined money and date at the time when the second account is opened. The predetermined funds and dates may be all the same or different from the first to twelfth accounts, which may be set by the user.

In S1207, the user terminal 200 can receive a notification message from the bank server 100. [ At this time, the notification message may include information on the first account and the second account. The form of the notification message may be provided in the form of a problem message, but is not limited thereto. The message can be transmitted using various means such as SMS (Short Message Service), MMS (Multi Message Service), voice message, e-mail, Social Network Service (SNS) , But may be provided in other notification schemes.

In S1208, the bank server 100 may open a third account one month after the second account is opened. The third account is a service that is provided upon joining of an anti-mold investment product, and may mean an account opened for the third time among 12 accounts opened in total. At this time, the date when the third account is opened may be designated in advance by the user. The third account may be opened on the basis of the interest rate at which the notified interest rate of the opening date applied on the day the third account is opened.

In S1209, the bank server 100 may transfer the predetermined funds to the first account, the second account, and the third account. At this time, the date of transfer to each account may be the date when the third account is opened. Here, the first account is a predetermined money and the predetermined money at the time of opening the first account, and the second account is money and money transferred at a predetermined money and date at the time when the second account is opened have. The predetermined funds and dates may be all the same or different from the first to twelfth accounts, which may be set by the user.

At S1210, the user terminal 200 may receive a notification message from the bank server 100. [ At this time, the notification message may include account information for the first to third accounts, and information on the state of the retirement product to which the bank account opening service is applied. The form of the notification message may be provided in the form of a problem message, but is not limited thereto. The message can be transmitted using various means such as SMS (Short Message Service), MMS (Multi Message Service), voice message, e-mail, Social Network Service (SNS) , But may be provided in other notification schemes.

Also, although not shown in FIG. 12, it is possible to open up to the twelfth account for one year in this flow. In addition, each account has an effect that can be utilized as a due account since the expiration date. Here, the contract period is one year, and when a total of twelve predetermined funds are all transferred, twelve predetermined funds can be deposited in each account.

Also, it is possible to select a re-depositing method in which an account expired from the user terminal 200 is utilized again as an after-market product. Alternatively, the termination of the expiration account may be selected from the user terminal 200.

That is, the user can receive an expiration savings account from the 13th cycle to the 1 st cycle at once, thereby making it possible to conveniently use an efficient tech-tech product.

FIG. 13 is a flowchart illustrating a bank server according to an embodiment of the present invention, which provides a bank account opening service for a deposit-type financial tech product to a user terminal.

As shown in FIG. 13, in step S1301, the user terminal 200 may request the bank server 100 to join the account opening service. At this time, the user terminal 200 can apply for the registration of the account-collective opening service of the deposit-type financial tech- nical product. A deposit-type investment product can mean a deposit-type product in which funds are deposited in a newly opened account.

Hereinafter, a product in which a total of 12 accounts are opened in a year for a period of one month will be described as an example.

In S1302, the bank server 200 may store the opening information for a total of 12 accounts. That is, reservation new information can be generated for a plurality of accounts to be opened from the first account opened in one cycle.

In S1303, the first account is opened in accordance with the new reservation information, the first money can be withdrawn from the user account and deposited into the first account. At this time, the bank server 100 can check whether the user's account has more money than the first fund.

In step S1304, the bank server 100 may transmit a notification message to the user terminal 200 to confirm that the first account is newly opened and the first funds have been deposited according to the reservation new information.

In step S1305, the bank server 100 may automatically open the second account in accordance with the reservation new information after one cycle, that is, one month later. In other words, an account can be opened automatically without the guidance or consent of the user's visit or re-registration procedure. Also, the second fund can be withdrawn from the account of the user and deposited into the second account. At this time, the bank server 100 can check whether the user's account has more funds than the second fund.

In step S1306, the bank server 100 may transmit a notification message to the user terminal 200 to confirm that the second account is newly opened and the second funds have been deposited according to the reservation new information.

Unlike in FIG. 12, the account collective opening service of a deposit-type product is characterized in that funds are deposited only for newly opened accounts.

In step S1307, the bank server 100 may automatically open the third account in accordance with the new reservation information after one cycle. At this time, the bank server 100 can check whether or not the user's account has more funds than the third fund. If there is no more money than the third fund in the user account, the bank server 300 can recognize that the user account balance is insufficient for opening the third account and transferring the third funds.

In step S1308, the user terminal 200 may receive a message indicating that the user account is short of the balance. At this time, the shortage message may include information on how many funds are to be deposited in the account, what amount is insufficient, and when the date of re-deposit is required.

In step S1309, the bank server 200 may reopen the third account after a predetermined period of time has elapsed from the day when the account can not be newly opened due to the lack of the balance of the user account. Then, the bank server 200 can withdraw the third funds from the user account and deposit the third funds into the third account. In addition, the bank server 100 may re-verify that there is more than a third amount of funds in the user's account.

If there is more than the third fund in the user account and the transfer is completed, the user terminal 200 can receive a message confirming that the third account has been newly opened and the third fund has been deposited in step S1310.

In S1311, the remaining plural accounts according to the new reservation information are opened and the funds can be automatically transferred to the newly opened account.

14 is a diagram showing a flow in the case where the balance of the user account is insufficient according to the embodiment.

As shown in FIG. 14, the bank server 100 providing the bank account opening service according to an embodiment can withdraw funds for investment in a newly opened account from a user account. At this time, if the balance of the user account is insufficient, a problem that the newly reserved account can not be opened may occur, and a method for solving the problem may be suggested.

In step S1410, the bank server 100 can confirm the balance of the user account in order to open a new account according to the reservation new information. At this time, the user account may mean the account of the registered user at the time of creating the new reservation information.

In step S1420, the bank server 100 may compare the balance of the user account with the transfer funds necessary for opening an account.

Here, the transfer money means the money transferred to the newly opened account in the case of the deposit type product, and the sum of the money transferred to the newly opened account and the money transferred to the existing opened accounts in the case of the red mold product can do.

When the bank server 100 determines that there is more money to be transferred at the time of opening an account than the user account balance, the bank server 100 stops the account opening at S1430 and transmits the account balance lack message to the user terminal 200 have. At this time, the account balance shortage message may include insufficient amount and information on the identification of the account.

In S1440, the bank server 100 can check the balance of the user account again after a predetermined period of time.

At this time, the bank server 100 may proceed with another algorithm according to the insufficient amount in the case of an in-mold product.

In other words, in the case of an in-mold product, since the predetermined funds must be deposited until the opened accounts become the expiration accounts, the money to be withdrawn from the user account may vary depending on the period.

For example, in the case of a mold tool, in the second cycle, the first fund is deposited into the first account, the second account is opened, and the second fund is deposited. That is, the bank server 100 can determine whether the first fund and the second fund are sufficiently present in the use account. At this time, when the funds of the user account exist more than the sum of the first fund and the second fund, the bank server 100 deposits the first fund to the first account, opens the second account, and transfers the second funds from the user account It can be deposited into the second account.

If it is determined by the bank server 100 that the money of the user account is equal to or greater than the first fund or is less than the sum of the first fund and the second fund, the first fund is preferentially withdrawn from the user account to the first account Deposit can be made. At this time, since the funds of the user account are not enough to open the second account, the bank server 100 may stop the opening of the second account and transmit a balance short message to the user terminal 200.

In this case, after the predetermined period of time has elapsed, the bank server 100 may re-open the second account after determining whether or not the second money exists in the user account.

As a result of the determination by the bank server 100, if the money of the user account is smaller than the sum of the first and second funds, the bank server 100 transmits a balance shortage message to the user terminal 200, After the determined date has elapsed, the user can re-determine whether the funds in the user account are more than the sum of the first and second funds.

Hereinafter, a specific embodiment of the determination of the funds of the user account of the bank server 100 will be described.

In the case of an injection mold, a predetermined amount of money is deposited into accounts that have not expired during the period in which the new account is opened, and a new account can be opened only when the funds to be deposited into the new account are sufficient have.

Hereinafter, a description will be given of how the bank server 100 opens a user account on the basis of the second period.

In the second cycle, when the bank server 100 confirms the balance of the user account, the bank server 100 deposits the first funds to the first account if the sum of the first and second funds is greater than the sum of the first and second funds, Two accounts can be opened and the second funds can be deposited from the user account to the second account.

In the second cycle, when the bank server 100 confirms the balance of the user account, if there is less money than the sum of the first and second funds but larger than the first, The first fund may be transferred to the first account. The bank server 100 may send an account balance shortage message to the user terminal 200 as the balance of the user account is not sufficient to open the second account.

The bank server 100 can check the balance of the user account again after a predetermined period of time. At this time, if the balance of the user account is equal to or greater than the second fund, the bank server 100 can open a second account.

On the other hand, if the balance of the user account is still less than the second money, the bank server 100 can cancel the opening of the second account and provide a notification to the user terminal 200 for opening the second account.

The notification for the opening of the second account may provide a method for receiving a new registration application for the second account directly from the user if the account is not newly opened because the balance of the user account is insufficient finally. That is, the bank server 100 may provide a new information automatic setting screen in which information of an account that has not been opened to the user terminal 200, information such as an amount to be deposited, and the like are disclosed. This will be described in detail with reference to FIG.

The bank server 100 notifies the user terminal 200 of the cancellation of the account opening and obtains the agreement of opening the account from the user terminal 200 again so that the opening of the account can be continued. The user can easily receive the account opening service by depositing funds in the user account through the automatic setting screen of the new information received in the user terminal 200 and pressing the subscribe button provided in the notification.

In the second cycle, when the bank server 100 confirms the balance of the user account, when there is less money than the first money, the first money can not be transferred to the first account, which is the previously opened account, You can not open a second account. The bank server 100 may send an account balance shortage message to the user terminal 200 because the balance of the user account is not enough to open the second account nor to deposit the first money in the first account.

The bank server 100 can check the balance of the user account again after a predetermined period of time. At this time, when the balance of the user account is equal to or more than the sum of the first and second funds, the bank server 100 can transfer the first funds to the first account and newly open the second account.

At this time, if the balance of the user account is more than the first fund and less than the sum of the first and second funds, the above steps can be repeated.

On the other hand, when the balance of the user account is still less than the first fund at the check of the bank server 100, the bank server 100 notifies the user terminal 200 of the deposit of the first fund and the opening of the second account .

That is, the bank server 100 may receive the first fund deposit from the user directly into the account and the new account subscription to the second account. This can be done through a new information automatic setting screen that includes the amount of the remaining balance, the amount to be deposited, and the opening agreement of the account to be opened.

The bank server 100 can prevent the bank account opening service from being interrupted by confirming a user account, re-confirming after a predetermined period, and providing an account opening notification to the user terminal 200 when the account balance is insufficient.

In other words, in S1450, after a predetermined period of time, the balance of the user account and the transfer money required for opening an account can be compared with each other in order to continuously secure the procedure for automatically opening an account.

At this time, if the balance of the user account is still insufficient, the opening of the new account can be canceled in S1460. Then, the user terminal 200 can transmit a notification for opening an account that can not be opened.

That is, the bank server 100 can notify the user terminal 200 of the new information automatic setting screen in which the information on the account that has not been opened, information on the money to be deposited, information on the deposit account, and the like are disclosed. At this time, the notification message can be transmitted using various means such as SMS (Short Message Service), MMS (Multi Message Service), voice message, e-mail, Social Network Service (SNS) up window, but may also be provided in other notification schemes.

The user terminal 200 can recognize that the account to be newly opened can not be opened through the notification message. The user terminal 200 can confirm the information about the account opening through the new information automatic setting screen and press the subscribe button so that the account can be opened continuously. Here, the sign-up button may be a button of a function capable of receiving the consent of the user so that canceled accounts can be opened consecutively due to insufficient balance of the user account.

In addition, when the balance of the user account is confirmed, the bank server 100 may open a new account in accordance with S1480 if there is a balance sufficient to open and manage the account.

That is, according to this procedure, even when the account can not be opened according to the predetermined reservation new information, it is possible to provide an effect that the account collective opening service is not interrupted.

FIG. 15 is a diagram showing a new information automatic setting screen displayed on a user terminal when an account opening service is stopped according to an embodiment.

As shown in FIG. 15, when an account that can not be opened due to a lack of balance of the user account occurs, the bank server 100 finally provides a new information automatic setting screen to the user terminal so that the account opening service is not interrupted .

As shown in 1501, the new information automatic setting screen may include, but is not limited to, a product name of a user, a subscription amount, a subscription period, whether or not to apply for a direct debit, and information on a subscription validity period.

In addition, the automatic new information setting screen may include information of a user who subscribes to the account opening service and information 1502 on the progress of the account opening service. That is, information on the deposit product, whether it is a savings product, information on the contract period, information on the first installment, selection for automatic re-deposit upon expiry, withdrawal account number, and information on the number of opened accounts in the past can be confirmed.

That is, the user terminal 200 can obtain information on reasons why an account can not be automatically opened from the bank server 100, and can also obtain an account open service through agreement with the opening of the account through a smart new procedure You can be assured on a continuous basis. Agreement for re-opening the canceled account can be made by clicking the Subscribe button on the automatic setting screen of new information.

The provision of the new information automatic setting screen of the bank server 100 may be performed through a web site of the bank, a message transmission to the user terminal 200, an application provided by the bank server 100, It is not.

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " control portion "or" portion "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor (DSP) hardware, (ROM), a random access memory (RAM), and a non-volatile storage device.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to one embodiment and various modifications of the phrase, means that a particular feature, structure, characteristic, etc., is included in at least one embodiment of the principles of the invention in connection with the embodiment. Thus, the appearances of the phrase "in one embodiment" and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

An apparatus according to the present invention may include a processor, a memory for storing and executing program data, a permanent storage such as a disk drive, a communication port for communicating with an external device, a user interface such as a touch panel, a key, Devices, and the like. Methods implemented with software modules or algorithms may be stored on a computer readable recording medium as computer readable codes or program instructions executable on the processor. Here, the computer-readable recording medium may be a magnetic storage medium such as a read-only memory (ROM), a random-access memory (RAM), a floppy disk, a hard disk, ), And a DVD (Digital Versatile Disc). The computer-readable recording medium may be distributed over networked computer systems so that computer readable code can be stored and executed in a distributed manner. The medium is readable by a computer, stored in a memory, and executable on a processor.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist those of ordinary skill in the art in understanding the principles and concepts of the embodiments disclosed herein without departing from the essential characteristics of the embodiments It is to be understood that the invention may be embodied in various other forms without departing from the spirit or scope of the invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the embodiments is set forth in the appended claims rather than the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the embodiments.

Claims (19)

1. A method for providing a bank account opening service by a bank server,
Receiving a subscription request for a bank account opening service in which a plurality of accounts are newly opened periodically by registering one account opening information from a user terminal;
The number of the plurality of accounts, the date when the plurality of accounts are newly opened, the money to be withdrawn from the user account, and the addition rate information so that the plurality of accounts is newly opened according to the predetermined period Generating reservation new information to be used for the reservation;
Opening a first account among the plurality of accounts in accordance with the reservation new information, withdrawing a predetermined first fund from the user account and depositing the first account in the first account;
Determining, in a second cycle, whether the funds of the user account are more than the sum of the first and second funds; And
And providing the account bundle service according to the determination result,
Withdrawing the first funds from the user account and depositing the first funds into the first account when the funds of the user account are equal to or more than the sum of the first funds and the second funds, Withdrawing the second funds, depositing the second funds into the second account,
Withdrawing the first funds from the user account and depositing the first funds into the first account when the funds of the user account are not less than the first funds and less than the sum of the first funds and the second funds, And a re-determination unit for re-determining whether the funds of the user account are present in the second funds or more after a predetermined number of days have elapsed from the second period,
If the funds in the user account are less than the first funds, send a balance short message to the user terminal, and after the predetermined date has elapsed from the second period, Re-determines whether or not the total amount of funds is present,
A second account of the plurality of accounts is newly opened in the second period when it is judged that the second account is more than the first money and is less than the sum of the first and second funds, and,
Withdraws the first funds and deposits the first funds into the first account when it is judged that the user account is less than the first funds and that the first and second funds exist more than the sum of the first and second funds, A second account of the plurality of accounts is newly opened in two periods,
Wherein the step of newly opening the second account is repeated until all of the third to twelfth accounts are opened. delete delete The method according to claim 1,
The step of newly opening the second account among the plurality of accounts in the second cycle, in accordance with the reservation new information,
Determining whether funds of the user account are present in the predetermined second fund or more;
Transmitting a balance shortage message to the user terminal if the funds of the user account do not exist more than the predetermined second funds;
Opening said second account after a predetermined number of days have elapsed from said second period; And
Withdrawing the second funds from the user account and depositing the second funds into the second account;
Wherein the bank server provides an account opening service. 5. The method of claim 4, further comprising: re-determining whether the funds of the user account are more than the second funds after a predetermined number of days have elapsed from the second period;
Canceling the opening of the second account if the funds of the user account do not exist more than the second funds;
Providing a notification to the user terminal for opening the second account;
Wherein the bank server provides an account opening service. 6. The method of claim 5,
Providing a new information automatic setting screen capable of resuming the opening of the second account whose opening is canceled to the user terminal;
Opening said second account in accordance with automatic confirmation of new information of said second account of said user terminal;
Wherein the bank server provides an account opening service. The method according to claim 1,
The method of claim 1,
Receiving authentication information from the user terminal;
Authenticating the authentication information;
Receiving consent for using the authentication information at each period when the plurality of accounts opened periodically are opened;
Wherein the bank server provides an account opening service. The method according to claim 1,
The first account,
A first interest rate reflecting a notice interest rate of an opening date when the first account is opened is applied,
The second account,
Wherein the bank server applies a second interest rate reflecting a public interest rate of an opening date when the second account is opened. 9. The method of claim 8,
If the first account and the second account are opened, judging whether the first accounting and the second account correspond to a predetermined addition rate application criterion; And
Wherein the bank server opens a new account reflecting the corresponding added interest rate when opening an account corresponding to the predetermined additive rate application criterion. 10. The method of claim 9,
Wherein the predetermined additive rate application criterion includes:
Wherein the number of the plurality of accounts specified by the user terminal is larger than the number determined in advance by the bank server. The method according to claim 1,
Wherein the step of newly opening the second account among the plurality of accounts in the second period comprises:
Withdrawing the first funds from the user account and depositing the first funds in the second period; And
Withdrawing a predetermined second fund from the user account and depositing the second fund into the second account;
Wherein the bank server provides an account opening service. delete The method according to claim 1,
The step of re-determining whether the funds of the user account are present in the second fund or more,
Canceling the opening of the second account if the funds of the user account do not exist more than the second funds;
Providing a new information automatic setting screen capable of resuming the opening of the second account whose opening is canceled to the user terminal;
Wherein the bank server provides an account opening service. The method according to claim 1,
The step of re-determining whether the funds of the user account are more than the sum of the first fund and the second fund,
Canceling the opening of the second account if the funds of the user account do not exist more than the first funds and the second funds;
Providing a new information automatic setting screen enabling the user terminal to resume the depositing of the first funds into the first account and the opening of the second account whose opening has been canceled;
Wherein the bank server provides an account opening service. The method according to claim 1,
The plurality of accounts include:
A method whereby a bank server, which is a twelve account opened every month, provides an account opening service. 12. The method of claim 11,
In a twelfth cycle, opening a twelfth account of the plurality of accounts;
Determining the first account as an expiration account and transmitting a expiration account guidance message to the user terminal;
Selecting a termination of the first account or a re-deposit of the first account from the user terminal;
Wherein the bank server provides an account opening service. The method according to claim 1,
The method of claim 1,
Providing the plurality of periodically opened accounts, the interest rate reflecting the notice interest at the time of applying for subscription, and the information about the economics product;
Wherein the bank server provides an account opening service. A bank server for providing an account opening service,
An enrollment request unit for receiving an enrollment request for an account enrollment service in which a plurality of accounts are newly opened periodically through a single account opening information registration from a user terminal; And
The number of the plurality of accounts, the date when the plurality of accounts are newly opened, the money to be withdrawn from the user account, and the addition rate information so that the plurality of accounts is newly opened according to the predetermined period And generates new reservation information,
The first account of the plurality of accounts is opened in accordance with the reservation new information, the predetermined first funds are withdrawn from the user account and deposited into the first account, and the second account of the plurality of accounts is deposited in the second period An account opening unit for opening a new account; Lt; / RTI >
The account opening unit,
Withdraws the first funds from the user account and deposits the first funds into the first account when the funds of the user account are equal to or more than the sum of the first funds and the second funds, opens a second account in accordance with the reservation new information , Withdrawing the second funds, depositing the second funds into the second account,
Withdrawing the first funds from the user account and depositing the first funds into the first account when the funds of the user account are not less than the first funds and less than the sum of the first funds and the second funds, And a re-determination unit for re-determining whether the funds of the user account are present in the second funds or more after a predetermined number of days have elapsed from the second period,
If the funds in the user account are less than the first funds, send a balance short message to the user terminal, and after the predetermined date has elapsed from the second period, Re-determines whether or not the total amount of funds is present,
A second account of the plurality of accounts is newly opened in the second period when it is judged that the second account is more than the first money and is less than the sum of the first and second funds, and,
Withdraws the first funds and deposits the first funds into the first account when it is judged that the user account is less than the first funds and that the first and second funds exist more than the sum of the first and second funds, A second account of the plurality of accounts is newly opened in two periods,
The bank server providing the account opening service repeatedly repeats the process of newly opening the second account until all the third to twelfth accounts are opened. A computer-readable recording medium storing a program for executing the method according to any one of claims 1, 4 to 11, and 13 to 17.

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