KR101804064B1 - System and method for management financial instruments affiliated supporting digital contents service - Google Patents

Abstract

Disclosed are a system and a method to operate a financial product supporting a digital content service. According to the present invention, the system comprises: a financial product operation server to support a subscriber subscribing for a financial product through a mobile or web banking program to select a digital content service instead of a cash interest, and to request registration to register the subscriber or a predetermined person appointed by the subscriber as a digital content service user; and a connect support server to register the subscriber or the appointed predetermined person as the digital content user, and to support the subscriber or the appointed predetermined person to use a selected digital content service. Accordingly, not only an interest of a financial product of a customer is paid by a cash interest, but also the customer uses the digital content service at a price discounted in accordance with content of a cooperated contract instead of the cash interest; thus being able to increase customer satisfaction with respect to the financial product.

Description

TECHNICAL FIELD [0001] The present invention relates to a system and a method for operating a financial product supporting a digital contents service,

The present invention relates to a system and method for operating a financial product of a financial institution. More particularly, the present invention relates to a system and method for operating a financial product of a financial institution, And more particularly, to a system and method for operating a financial product that supports digital contents services that can further enhance customer satisfaction with financial products.

Generally, most financial instruments, except for some demand deposits such as free savings with very low interest rates, deposit a certain amount of money in a bank for a certain period of time, or make a certain amount of money each month and pay interest rate or rate of return to the account holder .

However, with the diversification of national economic activities, various financial products have also been diversified, and this tendency is accelerating. Therefore, it is required to develop financial products which give more benefits to customers so that more customers can be acquired as financial customers, unlike regular financial products such as regular savings or time deposits. However, there are many limitations to the benefits that financial institutions can provide to their customers, so it is impossible to develop financial products with one-sided benefits.

In addition, financial products should be prepared to reflect the benefits of encouraging customers to keep their financial products until maturity, but they are also limited in their benefits directly to customers. There was a limit to developing financial products that could enhance customer satisfaction.

Meanwhile, most of the people are using mobile communication services due to the rapid development of information communication, and mobile communication based services, which have been only in the past for voice communication or simple text transmission, are now being used for electronic commerce, TV / video viewing, Learning activities, etc., and the boundaries between industries are falling down. As competition accelerates and new markets are opened, operators are making every effort to offer customers more benefits to attract new customers and retain existing customers. In particular, we are making various efforts such as developing and releasing affiliate products that can be linked to each other as a way to provide more benefits to customers who are a common target among business operators.

Accordingly, the financial services provided by financial institutions are also increasingly weighted to be linked with each other in cooperation with mobile communication-based services. In the future, in order to extend the customer service portion and customer benefits and to exceed the financial product development limit, it is time to further link and alliance with various digital content services or mobile communication services that customers use as their mobile communication base.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a method and a system for providing digital contents services to customers in a discounted amount in accordance with the contents of an affiliated contract instead of a cash interest, The present invention provides a system and method for managing financial products that support digital contents services that can further enhance customer satisfaction with financial products.

As described above, in order to increase the benefits of customer service and to exceed the limit of development of financial products due to the limit of the benefits that financial institutions can offer to customers, there is a need for a link between financial products and various digital contents services It is time to be required.

Accordingly, the financial product management system supporting the digital contents service of the present invention supports a subscriber who subscribes to a financial product through a mobile or web banking program to receive a digital contents service benefit on behalf of cash interest, And a content support server for registering a subscriber or a designated person as a digital content user and supporting the digital content service selected by a subscriber or a designated person to use the digital content service, It enables customers to use a variety of digital contents with greater benefits instead of financial products.

In addition, the method of operating a financial product supporting the digital content service of the present invention is a method of providing a subscriber who subscribes to a financial product through a mobile or web banking program to select a digital content service on behalf of cash interest, And a content support step for registering a subscriber or a designated person as a digital content user and supporting a digital content service selected by a subscriber or a designated person to use the digital content service, Of financial products and, in place of digital content, of greater benefit.

According to the financial product operating system and method supporting the digital contents service of the present invention having the above-described technical features, in addition to the method of paying the interest of the financial product interest of the customer as cash interest, By supporting the use of digital contents service at a discounted amount, customer satisfaction with financial products can be further enhanced.

In particular, the satisfaction level of a customer can be enhanced because a variety of digital contents services can be utilized with a discounted amount or a larger benefit as compared to the cash interest amount of the financial instrument to which the customer belongs. From the viewpoint of financial institutions, it is possible to develop and launch various financial products so that customers can select various benefits, and it is possible to more easily induce maturity of financial products.

Also, from the viewpoint of the digital contents provider, it is possible to secure a channel for recruiting new customers or maintaining existing customers and expanding the digital contents use market.

FIG. 1 is a diagram schematically illustrating a configuration of a financial product operating system supporting a digital content service according to an embodiment of the present invention.
FIG. 2 is a block diagram specifically showing the financial product management server shown in FIG. 1. FIG.
3 is a flowchart illustrating a method of operating a financial product supporting the digital content service of the present invention.
FIG. 4 is a view showing a banking program displayed through the communication terminal of FIG. 1 according to a financial product registration; FIG.
5 is a view for explaining an account and user interworking method between a financial product and a digital content providing server associated with the financial product.
FIG. 6 is a screen showing a process of confirming user information for using digital contents after joining a financial product.
FIG. 7 is an information providing screen for allowing detailed information of a financial product to be registered and maintained.

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram schematically illustrating a configuration of a financial product operating system associated with a digital content providing service according to an embodiment of the present invention.

The financial product management system shown in FIG. 1 supports a subscriber who subscribes to a financial product through a mobile or web banking program to select a digital content service on behalf of cash interest and registers a specific person designated by the subscriber or a subscriber as a digital content service user And a contents supporting server 300 for registering a subscriber or a designated person as a digital contents user and supporting the digital contents service selected by the registered user.

Specifically, the financial product management server 200 may be a server operated by a financial institution such as a bank. The financial institution associates with one or a plurality of digital content providers that provide at least one digital content such as video, sound source, data sharing, information sharing, etc., and associates each specified financial product with a digital content providing service You can make an agreement in advance to operate it. The financial product associated with the digital content providing service is released and introduced through the financial product management server 200, so that customers can select the financial product.

The financial product management server 200 is a server for executing a mobile or web banking program to a terminal machine 100 such as a personal computer, a notebook PC, a smart phone, or a tablet mobile communication device, Files. Thus, customers can sign up and select financial products through mobile or web banking programs.

When you sign up for a financial product linked to digital content services, the banking program provides a selection screen that allows you to choose whether to receive the interest of the financial product in cash or to use the digital content service instead of cash interest. If it is selected to use the digital contents service instead of the cash interest, the user is further operated to use the digital contents service. In the user interlocking process, a digital content user information input screen is additionally provided so that a financial product subscriber can designate a specific person such as a subscriber or a third party as a digital content user.

First, the financial product management server 200 transmits or provides a message for linking digital contents service and user information to a financial product subscriber through a banking program or the like. At this time, in order to link the digital contents service with the user information, the user of the financial product can request the user who uses the digital contents service (the default status is set as the financial product subscriber), the user's mobile communication terminal number, and the temporary authentication password. The financial product management server 200 stores the user information designated to use the digital contents service, the user's mobile communication terminal number, and the temporary authentication password.

The financial product management server 200 transmits an account identification number (formed by random numbers) associated with an account number of the financial product subscriber and a temporary authentication password to the content support server 300 300 to request the content support server 300 to register the user.

The content supporting server 300 receives the user identification information from the financial product management server 200 and receives the account identification number associated with the account number of the financial product subscriber, And provides it to the server 200. Accordingly, the financial product operation server 200 transmits the URL access information to the corresponding user through a pop-up message of a banking program, a text message, or the like.

A user registered as a content service user from a subscriber of a financial product or a subscriber of the financial product accesses an access site or an application program of the content support server 300 through the URL access information to perform a login process or a membership process.

The content support server 300 generates a key code (or a key index) matching the ID using the login ID of the user, and transmits the account identification number and the key code of the user to the financial product operation server 200 do. Since the content support server 300 shares and matches only the login information of the user and the arbitrary account identification number, the personal information and the financial information of the financial product subscriber associated with the financial institution can be substantially kept secure.

In the financial product management server 200, the user account identification number and the key code from the contents support server 300 are matched with the subscriber information or the financial account information of the subscriber, and the resultant information is transmitted to the subscriber, It confirms that the service is interlocked.

Through this process, the financial product management server 200 and the contents supporting server 300 share the user information and the account identification number of the financial product subscribers with the settlement information, etc., and share the interest of the financial product with the digital contents Transfer and use the discounted amount. The financial instrument management server 200 and the content supporting server 300 will be described in more detail with reference to the accompanying drawings.

On the other hand, the digital contents service provided to the user can be a single contents service such as a music or a sound source file associated with the user in advance. Streaming, and so on. In other words, depending on the type of affiliate and type of digital content that is affiliated with and affiliated with financial institutions, 3D, 4D. Streaming, file sharing, file storage capacity support, and so on. At this time, it is possible to additionally provide a screen that allows various digital contents providing sites, application programs, and digital contents types to be sorted by categories and selected.

The banking product management server 200 operates a banking program and can provide a link for installing the contents service using program or a program installation file through a screen of a banking program or a pop-up message. In addition, information on the digital contents use information selected by the user through the banking program, that is, information on the content category, information on the selected site or the selected application program, may be additionally provided to the contents support server 300.

The interest paid for the balance of the financial instrument is deposited into the account of the subscriber. However, in the case of using the digital contents service, the interest paid in accordance with the interest payment date is transferred to the account of the contents supporting server 300 (for example, ) To be transferred and paid again. In other words, by paying interest on the financial product to the account of the subscriber, and then transferring the interest to the linked account of the content supporting server 300, the interest can be distributed to the managing company of the content supporting server 300 as a result . On the other hand, according to the user selection, the financial product management server 200 may transfer the interest on the balance of the financial product directly to the account of the content support server 300. [

When the contents user interface and the payment information are linked, the contents support server 300 can provide the digital contents according to the digital contents use information selected by the communication terminal 100 of the corresponding user, separately from the financial institution And may provide additional access information and account application information so as to access and subscribe to a site, a homepage, a server, or the like. In this way, when the digital content user joins the content support server 300, the digital content user can use the account identification number, the account, and the like in cooperation with the user to use the digital content and provide the digital contents. Accordingly, the content support server 300 can secure a channel for maintaining new customers and existing customers with information of digital content users, and expand the digital content use market.

FIG. 2 is a block diagram specifically showing the financial product management server shown in FIG. 1. FIG.

2 may include an interface module 210, an application program support unit 220, a financial product operation support unit 230, and a database 240.

Specifically, the interface module 210 includes a plurality of communication terminal devices 100 and a content supporting server 300 in a short-distance and long-distance communication method such as Wi-Fi, 4G, . In addition, the banking program and the financial product operation support unit 230 of the communication terminal 100 can be linked with the separate financial product operation support unit 230 through the wire / wireless communication method. The interface module 210 receives the operation information corresponding to the financial transaction execution operation from the communication terminal 100 and transmits the received operation information to the financial product operation support unit 230).

The application support unit 220 supports the banking program executable file and the selection menu source with the communication terminal machines 100. In other words, the application program support unit 220 causes each communication terminal machine 100 to display an account selection menu, a financial transaction type selection menu, an account operation selection menu, a user setting screen, an account operation screen corresponding to the user selection, The installation file of the mobile banking program and the source data.

The financial product operation support unit 230 is interlocked with the mobile banking program of each communication terminal machine 100 through the interface module 210. In addition, financial transactions that are selected and set by the mobile banking program are selected according to the financial transactions such as transfer, deposit, and investment.

The database 240 stores the receipt and withdrawal transaction details of each financial product, the interest payment history of the financial product, and the like, and shares it with the financial product operation support unit 230.

3 is a flowchart illustrating a method of operating a financial product associated with the digital content providing service of the present invention.

As shown in FIG. 3, the user first downloads a mobile or web banking program to the communication terminal 100, installs it, inputs login information and the like, and requests the user authentication. The account management support unit 230 receiving the user authentication request through the interface module 210 can check and approve the user information and login information in cooperation with the database 240.

When the approval process is completed by the login and approval request process, the user can view the held account and perform financial transaction with the installed mobile or web banking program.

The introduction and selection process of the financial product and the financial transaction support processes after the installation and execution of the banking program shown in FIG. 3 will be described with reference to FIG. 3 and the following attached figures sequentially.

FIG. 4 is a view showing a banking program displayed through the communication terminal of FIG. 1 according to a financial product registration; FIG.

For example, when a mobile or web banking program is installed and executed, financial products associated with the digital content providing service can be identified, selected and subscribed through the banking program screen.

When entering financial products linked to digital content providing services, the banking program provides a screen for selecting whether to receive interest in the financial product in cash or to receive digital contents service instead of cash interest. Accordingly, a customer who has subscribed to a financial product can select various financial information and then select whether to receive interest in the financial product in cash or receive digital contents service instead of cash interest.

On the other hand, in addition to the account transaction history display, an additional screen for switching the cash interest and digital service use selection may be further provided through the account inquiry screen.

5 is a diagram for explaining an account and user interworking method between digital contents providing servers associated with the financial product.

As described above, if the user chooses to receive cash interest from a user through a banking program, he / she will end the financial product registration process and pay interest in cash afterwards.

Referring to FIGS. 3 and 5, when the digital content service is selected to receive the digital content service instead of the cash interest, the financial product operation server 200 transmits or provides a message for linking the digital content service with the user information. In this case, in order to link the digital contents service with the user information, three kinds of information are requested from the user, and the user who uses the digital contents service (basically set as the account holder), the user's mobile communication terminal number, do.

The financial product operation server 200 stores user information for using the user digital content service, the user's mobile communication terminal number, and the temporary authentication password.

Since the financial product subscribers and the digital contents users may be applied differently and the financial product subscribers can designate a specific person and request registration with the user, the financial product operation server 200 may not match the subscriber of the financial product with the user who uses the digital contents If they are different from each other, their personal information is confirmed, stored and matched.

In the authentication process, an input window such as personal information and login information for confirming the identity including the temporary authentication password, a cancel / confirmation window for proceeding to the previous step or the next step may be further displayed.

FIG. 6 is a screen showing a user information interlocking process for using digital contents after the financial product entry in FIG.

The financial product management server 200 transmits the account identification number (formed by random numbers) associated with the account number of the financial product subscribers and the temporary authentication password to the content support server 300, (300).

In response, the content supporting server 300 provides the URL access information for the user's confirmation and subscription to the financial product operation server 200, and the financial product operation server 200 transmits the URL access information to the banking program pop- Or a text message to the user.

After that, the financial product management server 200 requests the user to input the temporary authentication password through the screen shown in FIG. 5 and FIG. 6, thereby performing the two-channel authentication process using the user's terminal number and the password.

The user accesses the connection site or the application program of the content support server 300 through the URL access information to perform the login process or the membership process.

The content support server 300 generates a key code (or key index) matching the ID using the login ID of the user, and transmits the account identification number and the key code of the user to the financial product operation server 200 do.

The financial product management server 200 matches and correlates the account identification number and the key code of the user with the subscriber information or financial account information of the subscriber, and transmits and confirms the synchronized result information to the subscriber.

On the other hand, the digital content information screen includes a selection menu for changing a user who uses financial information and digital contents of the financial product or changing user information, a payment date and interest payment confirmation menu, a payment confirmation menu for interest, A selection bar such as a deposit check menu may be additionally provided.

After interlocking through the user interlocking process, the financial product management server 200 checks the balance of the trilateral financial product on a predetermined period basis and pays interest based on the balance in cash. The contents support server 300 transmits the discounted monthly amount Provide the flat product to the user.

The financial product management server 200 transfers the interest paid to the customer financial account to the account of the content support server 300 or the account of the billing server. And transmits to the contents supporting server 300 that the monthly fixed fee has been deposited for the interlocked information. The content support server 300 provides the user with the discounted amount of the monthly commodity according to the transfer confirmation result.

FIG. 7 is an information providing screen for allowing detailed information of a financial product to be registered and maintained.

As shown in FIG. 7, the user can confirm detailed information on the financial products subscribed through the banking program.

Since the interest rate, the interest payment method, the date of establishment, and the expiration date are fixed according to the characteristics of the commodity, the financial product can basically confirm the interest rate, the interest payment method, the establishment date, and the expiration date.

The financial product management server 200 transfers the interest on the financial product to the digital contents support server 300 according to whether the account is synchronized with the contents support server 300 and the financial product subscribers . Accordingly, the user can inquire and confirm the number of payments, the amount of money, and the like with respect to the digital cache transferred to the content support server 300.

Meanwhile, the content support server 300 supports digital contents in a manner such as a monthly amount or infinity according to the contents of the affiliated contract irrespective of the interest amount of the financial product, Under the terms of the agreement, you will be able to benefit from digital content at a more discounted price than regular customers. Thereafter, the content support server 300 provides a variety of digital contents so that the digital content user can freely select and use the digital content.

As described above, according to the system and method for managing financial products linked to the digital content providing service of the present invention, not only the method of paying the customer's interest in the financial instrument as cash interest but also the method By making the digital contents service available at a discounted price, customer satisfaction with financial products can be further increased.

Particularly, since the customer can use various digital contents services corresponding to the value of a larger amount of the cash interest amount of the registered financial instruments, the satisfaction level of the digital contents contents can be increased. From the viewpoint of financial institutions, various financial products can be developed and released so that customers can select various benefits, and the financial products can be easily matched.

100:
200: Financial product management server
210: Interface module
220: Application Support
230: Account Management Support
240: Database
300: Content Support Server

Claims (10)

A financial product management server that supports a subscriber who subscribes to a financial product through a mobile or web banking program to select a digital content service on behalf of cash interest and requests the subscriber or a specific person designated by the subscriber to register as a digital content service user; And
And a content support server for registering the subscriber or the specified specific person as a digital content user and supporting the digital content service selected by the subscriber or the designated specific person to use,
The financial product management server generates an account identification number composed of an arbitrary random number linked with the account number of the financial product subscriber so as to link the contents support server and the digital contents user information, To the support server,
Wherein the contents supporting server transmits URL access information for confirming and joining user information to the financial product operation server when the account identification number made up of the random number and the temporary authentication password are input, To the user,
The financial product management server and the contents supporting server match the account identification number with the key code matching the ID input by the user through the URL connection so that the user information and the account number of the financial product subscriber are linked ,
The financial product management server deposits the interest on the financial product to the account of the financial product subscriber and then re-transmits the deposited interest so that the digital content use amount is discounted according to the affiliated contract contents, Transfer to an account
Financial product management system supporting digital contents service.
The method according to claim 1,
The financial instrument management server
An application program support unit for supporting an executable file of the mobile or web banking program and a selection menu source with a communication terminal; And
A plurality of financial products are operated and a subscriber of the financial product chooses to use digital content service instead of cash interest, a list is provided so that at least one digital content can be selected, and the financial product subscriber specifies a digital content user And requesting the content support server to register the content as a digital content user;
A financial product management system that supports a digital content service.
delete The method according to claim 1,
The content support server
A financial product management system that supports a digital content service that supports the use of the digital content by linking the account identification number of one of the financial product subscribers and the specified specific users with information according to the login ID of the user.
The method according to claim 1,
The financial instrument management server
Providing digital content usage information including digital content information selected from a financial product subscriber or a specific person, a selected site or a selected application program to the content support server,
And the content support server is associated with a digital content providing service that supports the digital content providing service according to the digital content use information.
A financial product operation step of supporting a subscriber who subscribes to a financial product through a mobile or web banking program to select a digital content service on behalf of cash interest and requesting the subscriber or a specific person designated by the subscriber to register as a digital content service user; And
And a content supporting step of registering the subscriber or the specified specific person as a digital content user and supporting the digital content service selected by the subscriber or the designated specific person to use,
The financial product operating step
In order to link information about the digital content user between the financial product operation server and the contents support server, the financial product operation server generates an account identification number made up of an arbitrary random number linked to the account number of the financial product subscriber, To the content support server together with a password for the content;
When receiving the account identification number of the random number and the temporary authentication password from the contents supporting server, transmits URL access information for user information confirmation and subscription to the financial product operation server, To the user; And
A key code matching with an ID input by the user through a URL connection and the account identification number are matched with each other by the financial product management server and the contents support server so that the user information and the account number of the financial product subscriber are linked ≪ / RTI >
The financial product operating step
The interest of the financial product is deposited into the account of the financial product subscriber through the financial product management server, and then the deposited interest is paid back to the content support server To an account of < RTI ID = 0.0 >
A method of operating financial products supporting digital content services.
The method according to claim 6,
The financial product operating step
An application program support step for supporting an executable file of the mobile or web banking program and a selection menu source with a communication terminal; And
A plurality of financial products are operated and a subscriber of the financial product chooses to use digital content service instead of cash interest, a list is provided so that at least one digital content can be selected, and the financial product subscriber specifies a digital content user And requesting the content support server to register the content as a digital content user;
A method of operating a financial product supporting a digital content service.
delete The method according to claim 6,
The content support step
Supporting the digital contents by using the account identification number of one of the financial commodity subscribers and the designated specific users in association with information according to the login ID of the user;
The method comprising the steps of:
The method according to claim 6,
In the financial product operation stage
Providing digital content usage information including digital content information selected from a financial product subscriber or a specific person, a selected site or a selected application program to the content support server,
And the content support server is associated with a digital content providing service supporting the digital content providing service according to the digital content utilization information.

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