KR102002295B1 - Management server of bank affairs and method for managing account deposit by dividing - Google Patents

Abstract

The banking service management server for dividing and managing the account deposit amount according to the present invention includes an access information management unit for setting login information of a user in cooperation with an agent installed in the user terminal, (Child) account which takes at least a part of the deposit amount of the mother's account as the deposit amount, using the account opened through the account information management unit and the account information management unit which open the account according to the information as the mother account, And a deposit amount division management unit for managing the transaction of the own account based on a preset method by separately managing the deposit amount of the mother account and the deposit amount of the own account.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a banking management server and a method of managing banking deposit,

The present invention relates to a banking management server and an account management method.

A bankbook is a document that describes the transaction through a bank account. Recently, as the importance of financial technology has been emphasized, more and more people are managing income through bankruptcy.

Passbook splitting means managing passbooks according to purpose, such as payroll accounts, savings accounts, emergency accounts, and investment accounts. If you manage all of your income, spending, savings, and investments through a single account, you can not know how your funds are used, so you can not tell the cash flow, By managing, it is possible to prevent impulsive expenditure or unnecessary expenditure and to prevent money from leaking out, so bankbook splitting is widely used.

However, in order to split the passbook so far, it is necessary to open a separate passbook according to the purpose and purpose as described above. Therefore, the user has to perform a complicated security and authentication process in order to transfer the reserve funds or the widow's money between the passbooks There was the inconvenience that it should go.

Disclosure of the Invention The present invention has been made to solve the above-mentioned inconveniences, and it is an object of the present invention to provide a banking service management server and an account deposit amount division management method which can separate and manage a user's preliminary fund or a household fund, The purpose is to provide.

The banking management server for dividing and managing the account deposit amount according to an aspect of the present invention includes an access information management unit for setting login information of a user in cooperation with an agent installed in a user terminal, An account information management unit that receives information necessary for opening an account in cooperation with the account information management unit and opens an account in accordance with the information, and an account management unit that uses the account opened through the account information management unit as a parent account, And a deposit amount division managing unit for managing a transaction of the own account based on a preset method by opening a child account made up of a deposit amount and separately managing the deposit amount of the parent account and the deposit amount of the child account.

According to an aspect of the present invention, there is provided a method of managing an account deposit amount division, the method comprising: setting login information in response to a user's request in cooperation with an agent installed in a user terminal; opening an account in response to a user's request for setting the login information; And opening and managing a child account in which at least a part of the deposit amount of the parent account is set as a deposit amount by using the opened account as a mother account in response to the request of the user, , The step of managing and managing the deposit of the parent account and the account of the child account separately and permitting only the transfer from the parent account to the child account or the transfer from the child account to the parent account, To the other account or to the transfer from the account to the account.

According to the present invention, the user can manage the reserve funds or the jackpot from a specific account, and can easily transfer and use the money as needed.

FIG. 1 illustrates a banking processing agent and a banking management server according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a view illustrating a configuration of a user terminal provided with a banking processing agent according to an embodiment of the present invention.
3 is a detailed view of a connection management apparatus of a banking processing agent according to an embodiment of the present invention.
4 is a diagram illustrating a start page displayed through a connection management apparatus according to an embodiment of the present invention.
5A is a diagram showing a membership registration page displayed through a connection management apparatus according to an embodiment of the present invention.
5B to 5D are views showing a login page displayed through the connection management apparatus according to the embodiment of the present invention.
5E is a diagram illustrating a device change page displayed through the connection management apparatus according to the embodiment of the present invention.
6 is a detailed view of an account opening device of a banking processing agent according to an embodiment of the present invention.
7A and 7B are diagrams showing a management screen of a personal account displayed through a banking processing agent according to an embodiment of the present invention.
8A and 8B are views illustrating a screen for setting a target deposit amount of a self account through a banking processing agent according to an embodiment of the present invention.
FIG. 9 is a detailed view of a interest management apparatus of a banking transaction processing agent according to an embodiment of the present invention.
FIG. 10 is a detailed view of a interest management apparatus of a banking transaction processing agent according to another embodiment of the present invention.
11 is a detailed view of a banking management server according to an embodiment of the present invention.
12 is a flowchart schematically illustrating an implementation process of the account deposit amount dividing method according to the embodiment of the present invention.
FIG. 13 is a flowchart specifically illustrating a process of managing a self account according to the implementation of the account deposit amount dividing method according to FIG.

It should be noted that, in the specification of the present invention, the same reference numerals as in the drawings denote the same elements, but they are numbered as much as possible even if they are shown in different drawings.

Meanwhile, the meaning of the terms described in the present specification should be understood as follows.

The word " first, "" second," and the like, used to distinguish one element from another, are to be understood to include plural representations unless the context clearly dictates otherwise. The scope of the right should not be limited by these terms.

It should be understood that the terms "comprises" or "having" does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

It should be understood that the term "at least one" includes all possible combinations from one or more related items. For example, the meaning of "at least one of the first item, the second item and the third item" means not only the first item, the second item, or the third item, but also the first item, the second item, Means a combination of all items that can be presented from two or more of them.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

FIG. 1 is a view showing a banking transaction processing agent and a banking transaction management server according to an embodiment of the present invention, FIG. 2 is a view schematically showing a configuration of a user terminal installed with a banking transaction processing agent according to an embodiment of the present invention FIG. 3 is a detailed view of a connection management apparatus of a banking transaction processing agent according to an embodiment of the present invention, FIG. 6 is a detailed view of an account opening apparatus of a banking transaction processing agent according to an embodiment of the present invention, And FIG. 9 is a detailed view of the interest management apparatus of the banking processing agent according to the embodiment of the present invention.

A banking processing agent (hereinafter, referred to as an 'agent') 100 according to an embodiment of the present invention processes a banking service at the request of a user. The agent 100 may allow opening of an account for the registered user. The agent 100 can manage the interest accumulated in the opened account and display the interest to be accumulated in real time.

To this end, the agent 100 includes a connection management device 120, an account opening device 160, and a interest management device 180, as shown in Figs.

The connection management apparatus 120 proceeds to join the user who intends to use the agent 100 in cooperation with the banking management server 2000. [ In one embodiment, the connection management apparatus 120 may collect the personal information of the user and proceed with membership.

Also, the connection management apparatus 120 manages login information of a user who has completed member registration. In one embodiment, the connection management apparatus 120 can receive login information from a user at the time of membership registration and register the login information. The login information may include login means that the user inputs to the connection management apparatus 120 for login, and the login means may include pattern information to which the keys on the keypad are connected, biometric information such as fingerprint / face / iris, Or the like. However, the login means that can be used in the present invention are not limited to the above contents, and thus may include various other information not described. In addition, the login information may further include a PIN number used as an authentication means for banking processing.

The account opening device 160 opens an account at the request of the user who has completed membership registration. The account that can be opened through the account opening device 160 may include at least one of a demand account, a deposit deposit account, and an accumulated deposit account.

In one embodiment, the account opening device 160 may receive the real name verification information from the user and open an account for the request of the user whose real name is confirmed through the corresponding real name verification information. The real name confirmation information may include identification information of a user who has photographed his / her identification card and information on another user's account. The account opening device 160 can complete the account opening by transmitting the set amount and the interest rate of the account requested by the user to the banking service management server 2000. [ The account opening device 160 may open and manage at least one child account having a deposit amount obtained by dividing the deposit amount of the parent account using the opened account as a parent account. A child account may be an account with properties that are dependent on the parent account. The account opening device 160 can manage the transaction of the parent account and the child account based on a preset method.

The interest management device 180 manages the interest of the opened account. The interest management device 180 can obtain information on the interest paid to the account at the predetermined interest payment date based on the deposit balance and the interest rate of the account. Information about the interest paid may refer to the interest to be paid to the account at the interest payment date. The interest management device 180 may display the interest amount to be paid to the account on the interest payment date.

Also, the interest management device 180 can display the expected interest to be accumulated from the account opening date to the current time in real time. Accordingly, the agent 100 according to the present invention displays the expected interest that is expected to be accumulated in real time separately from the payment interest actually paid to the account on the interest payment date, so that the user can check the interest earned status and maintain the account It can make you feel pleasure.

In the above description, the agent 100 is described as including the same configuration as the connection management apparatus 120, the account opening apparatus 160, and the interest management apparatus 180. However, If the application is implemented as an application installed and operated in the user terminal 1000, the application can integrally perform the functions of the connection management apparatus 120, the account opening apparatus 160, and the interest management apparatus 180 have.

In this embodiment, the application may be downloaded through an online marketplace such as an app store, Google Play, etc., installed in the user terminal 1000, or installed by a terminal manufacturer during terminal manufacture.

The user terminal 1000 may be a personal computer (PC) or a notebook computer having a wired Internet connection and a browsing function, a notebook or a mobile terminal having a wireless LAN / portable Internet connection and a browsing function, A Personal Communication System (PCS), a Global System for Mobile (GSM) terminal, a Personal Digital Assistant (PDA), or a Smart Phone.

As shown in FIG. 2, the agent 100 may further include a client information file creation requesting apparatus 140.

The customer information file generation requesting apparatus 140 requests the generation of a customer information file (Customer Information File). The customer information file generation requesting apparatus 140 receives customer information from the user through the connection management apparatus 120 and requests the user to generate a customer information file for the user. In one embodiment, the customer information may be a name and a resident registration number of the user, and the customer information file creation requesting device 140 may receive customer information from a user who has completed login information setting or PIN number setting.

In the present invention, the reason for receiving the customer information for generating the customer information file is to satisfy the obligation to confirm the non-face-real name in the financial real name law by generating the customer information for the user who can open the account.

According to this embodiment, when the client information file generation requesting apparatus 140 transmits a client information file creation request to the banking management server 2000, the banking management server 2000 generates a client information file for the user. Specifically, when a request for generating a customer information file including customer information is received from the customer information file generation requesting apparatus 140, the banking management server 2000 determines whether the user is a user who can open an account based on the customer information . For example, the banking management server 2000 determines whether the age corresponds to an age in which an account can be opened based on the name and resident registration number of the user included in the customer information, and determines whether the name matches the resident registration number It is determined whether the user is a user who can open an account. If the user is a user who can open an account, the user information file can be generated for the user.

As described above, according to the present invention, the banking service management server 2000 generates the customer information file for the user in response to the request for generating the customer information file of the customer information file generation requesting apparatus 140, All the information can be managed as one file, and thus the vast amount of information of the users can be efficiently managed.

In the above-described embodiment, the account opening is permitted when the customer information file can be generated. However, in the modified embodiment, in the case of a user who is hard to generate the customer information file, such as a foreigner or a minor, The customer information file may be generated by using other customer information (for example, an alien registration number, information on the consent of the protector, resident registration number of the protector, etc.) other than the resident registration number or name required for registration.

Hereinafter, a specific configuration of the connection management apparatus 120 will be described with reference to FIG.

3, the connection management apparatus 120 includes a login unit 124 and may further include at least one of a certificate validation unit 126 and a token key validation unit 128. [

The login unit 124 manages login information for the user to access the agent 100. To this end, the log-in unit 124 receives information for authenticating the user by providing a start page to the user when the agent 100 is initially executed. When the information for authenticating the user is received, the log-in unit 124 displays the member-joining page to guide the user to join the membership.

In the first embodiment, the log-in unit 124 directly receives information for user authentication of the user through the start page, and allows the user who has completed the authentication of the user to join the membership. For example, when the user terminal 1000 is a device having a predetermined number such as a cellular phone, the login unit 124 can authenticate the user through authentication using the mobile phone number.

As a second embodiment, the log-in unit 124 may allow a user to join a user through interlocking with another application installed in the user terminal 1000, without directly receiving the information for authenticating the user. For example, when the agent 100 is implemented as an application installed in the user terminal 1000, the log-in unit 124 may operate in cooperation with another application installed in the user terminal 1000, Can be authenticated. Accordingly, the agent 100 according to the present invention can improve the convenience of the user by simplifying the membership process through interlocking with other applications. However, the agent 100 according to the second embodiment proceeds to the authentication process similar to that of the first embodiment in order to process the banking service such as the account opening of the user.

In addition, the login unit 124 can register the login information for the user whose authentication has been completed. The log-in unit 124 receives at least one of pattern information to which the keys on the keypad are connected from the user, biometric information such as fingerprint / face / iris, and the authorized certificate password from the user, and registers the input information as login information . The login unit 124 registers the login information in the banking management server 2000. When the login information is inputted from the user, the login unit 124 transmits the input login information to the banking management server 2000, You can ask for a judgment. Accordingly, in the embodiment of the present invention, only the connection of the user who has registered the login information is allowed, and the connection of the agent 100 of the user who has no legitimate authority can be blocked.

In one embodiment, the login unit 124 may additionally receive and register the PIN number using the login information. The PIN number can be used as an authentication means for the user to process the banking service through the agent 100, but the present invention is not limited thereto.

FIG. 4 is a diagram illustrating an example of a start page displayed through a connection management apparatus according to an embodiment of the present invention. FIG. 5A is a diagram illustrating an example of a start page of a membership registration page displayed through a connection management apparatus according to an embodiment of the present invention. 5A to 5D are views showing an example of a login page displayed through a connection management apparatus according to an embodiment of the present invention.

5B is an example of a screen for inputting pattern information as a login means set in the login unit 124, FIG. 5C is an example of a screen for inputting fingerprint information as login means set in the login unit 124, FIG. And an example of a screen for inputting the PIN number set in the display unit 124 is shown.

In the embodiment of the present invention, the login unit 124 allows the user to start the agent 100 by providing the start page at the time of the first execution of the agent 100, and, as shown in FIG. 4 The user can be guided to join the membership by providing a membership page such as the bar, and the login of the user can be guided by providing a login page as shown in FIGS. 5B to 5D.

Particularly, in the embodiment of the present invention, the log-in unit 124 may display a page most suitable for the user based on whether the agent 100 is used when the agent 100 is executed. For example, when the agent 100 is executed, the log-in unit 124 first determines whether the certificate is stored. If the certificate is not stored, the user terminal 1000 determines that the agent 100 is to be executed for the first time and generates a certificate.

When the certificate generation is completed or the certificate is already stored, the log-in unit 124 confirms whether or not the log-in information has a set history. When there is no history in which the login information is set, the log-in unit 124 guides the user's registration by sequentially providing a start page as shown in FIG. 4 and a member registration page as shown in FIG. 5A, When there is a history in which the login information is set, the login unit 124 provides a login page as shown in FIG. 5B to FIG. 5D, thereby guiding the user's login.

Hereinafter, this will be described in more detail.

The login unit 124 requests the user terminal 1000 to generate a certificate when the agent 100 is executed for the first time in the user terminal 1000, that is, when the user terminal 1000 has no history of execution of the agent 100 . The certificate is for confirming an executed history of the agent 100 installed in the user terminal 1000. Accordingly, in the embodiment of the present invention, the agent 100 can confirm whether or not there is a history executed in the user terminal 1000 based on the existence of the certificate.

The user terminal 1000 generates a private key and a public key at the request of the log-in unit 124. At this time, the user terminal 1000 accesses a secure element (hereinafter, referred to as 'database 500') using an API (Application Programming Interface) provided by the OS (Operating System) of the user terminal 1000 Generate private and public keys. Then, the user terminal 1000 transmits the public key to the banking management server 2000 through the log-in unit 124. The banking management server 2000 generates a certificate by encrypting (signing) the received public key using the private key of the banking management server 2000, and forwards the generated certificate to the login unit 124. The login unit 124 stores the received certificate in the database 500.

Storing the certificate in the database 500 of the user terminal 1000 without storing the certificate in the repository inside the agent 100 is intended to securely store the certificate regardless of an external attack against the agent 100. [ Accordingly, the agent 100 can refer to the database 500 of the user terminal 1000 to check whether there is a history in which the agent 100 is installed.

Meanwhile, the banking service management server 2000 may store the public key received from the log-in unit 124 and manage the login information by matching the public key with the public key.

Accordingly, the agent 100 and the banking management server 2000 according to the present invention can perform the banking operation only when the login information and the public key corresponding to the information of the user terminal 1000 installed with the agent 100 match Can be accepted. In this case, the third party can log in with the login information of the legitimate user to the agent installed in the other user terminal to block the processing of the banking service, thereby further enhancing the security of the banking service.

Also, the log-in unit 124 may receive the token key from the banking management server 2000 when the login information is set by the user. The token key is for confirming whether or not the login information through the agent 100 is set. Accordingly, in the embodiment of the present invention, it is possible to check whether the login information is set based on the presence or absence of the token key. The login unit 124 may receive the token key generated by the banking service management server 2000 when the login information is set to be interlocked with the banking management server 2000. The token key may be generated with various values having unique values for each agent 100. [

The login unit 124 stores the received token key in the database 500 of the user terminal 1000. Storing the token key in the database 500 of the user terminal 1000 without storing the token key in the repository inside the agent 100 is advantageous for safely storing the token key regardless of the external attack against the agent 100. [ will be. Accordingly, the agent 100 can confirm whether or not the login information is set by referring to the database 500 of the user terminal 1000. At this time, the banking management server 2000 can manage login information received from the log-in unit 124 by matching the public key and the token key.

Through the above process, when the agent 100 is executed for the first time, the log-in unit 124 requests the certificate creation by the user terminal 1000 to store the certificate in the database 500. When the login information of the user is set, By receiving the token key from the management server 2000 and storing it in the database 500, it is possible to display an optimal page required by the user using the certificate and token key stored in the database 500 when the agent 100 is executed.

The certificate validation unit 126 confirms whether the certificate is stored in the database 500 of the user terminal 1000. The certificate validation unit 126 can check whether the certificate is stored in the database 500 when the agent 100 installed in the user terminal 1000 is executed. When the existence of the certificate is confirmed in the database 500 by the certificate checking unit 126, the log-in unit 124 can determine that there is a history of execution of the agent 100 through the corresponding user terminal 1000.

On the other hand, if the certificate checking unit 126 does not confirm the certificate from the database 500, the log-in unit 124 determines that there is no history of execution of the agent 100 through the corresponding user terminal 1000, (1000).

In one embodiment, the certificate validation unit 126 transfers arbitrary identification data received from the banking management server 2000 to the user terminal 1000 to digitally sign it with the private key. At this time, the identification data means any data generated by the banking management server 2000 to identify the private key. The certificate checking unit 126 transmits the digital signature value to the banking management server 2000 so that the banking management server 2000 can verify the corresponding digital signature value with the previously registered public key to identify the corresponding private key have. The certificate detection unit 126 receives the result of verifying the digital signature value from the banking management server 2000 and can check whether the history of execution of the agent 100 is present in the corresponding user terminal 1000.

However, since the present invention is not limited to this, the certificate detection unit 126 can directly sign the identification data using the private key of the database 500 and deliver the digital signature value to the banking management server 2000 .

The token key confirmation unit 128 confirms whether the token key exists in the database 500 of the user terminal 1000 when the certificate exists or when the certificate creation is completed. The token key confirmation unit 128 can confirm the existence of the token key in the database 500 when the existence of the certificate is confirmed through the certificate confirmation 126 or when the certificate creation is completed. If the presence of the token key is confirmed by the token key confirmation unit 128, the login unit 124 can confirm that the login information is set in the agent 100 installed in the corresponding user terminal 1000. In this case, the login unit 124 displays the login page as shown in FIG. 5B to FIG. 5D, thereby guiding the user who has already set up the login information to log in immediately.

Specifically, the log-in unit 124 encrypts (digitally signs) the random number using the private key stored in the database 500 if the token key is found by the token key check unit 128, The generated random number, the certificate stored in the database 500, and the token key to the banking management server 2000 through the log-in unit 124. The banking management server 2000 verifies the encryption result, the certificate, and the token received via the login unit 124. [ Specifically, the banking management server 2000 verifies the encryption result by comparing the random number obtained by decrypting the received encryption result with the random number received from the log-in unit 124, decrypts the received certificate with the stored public key, And compares the received token key with a token key that is stored in a matching manner with the certificate. If all of the token keys are valid, the result is sent to the login unit 124, . At this time, the banking service management server 2000 may determine whether the corresponding token key is a valid token key generated directly based on the format of the token key generated at the time of setting the login information. However, since the present invention is not limited to this, the method for determining the validity of the token key by the banking service management server 2000 may be variously implemented.

On the other hand, if the presence of the token key is not confirmed by the token key check unit 128, the login unit 124 can confirm that there is no history in which the login information is set in the agent 100 installed in the corresponding user terminal 1000 . In this case, the login unit 124 can sequentially display the start page as shown in FIG. 4 and the member registration page as shown in FIG. 5A.

As described above, when the agent 100 is executed in the user terminal 1000, the agent 100 according to the present invention omits the process of setting membership and login information when the certificate and the token key are confirmed, You can display a login page where you can enter one login. Thus, embodiments of the present invention can improve the implementation speed of the agent 100 and improve the convenience of the user's use of the agent 100. [ In addition, the agent 100 can improve the convenience of the user's use of the agent 100 by displaying the start page and the membership page if the certificate or the token key is not confirmed.

In the above-described embodiment, the log-in unit 124 sequentially provides the start page and the membership page when there is no log-in information setting history. However, in the modified embodiment, if the log-in information setting history does not exist, the log-in unit 124 further determines whether or not to join the service after providing the start page, When the subscription history is confirmed, it is possible to provide a page corresponding to a device change or an agent app reinstallation (hereinafter referred to as a " device change page ") by judging that the change is a device change or an agent reinstallation. An example of a page for changing the device is shown in FIG. 5E.

The reason why the login unit 124 separately provides the device change page after the start page is that the agent 100 is deleted from the user terminal 1000 and then reinstalled or the agent 100 100, the user who uses the agent 100 may feel a great inconvenience if he / she has to go through the process of setting up a new member and setting login information through the same procedure as the member registration after displaying the membership registration page.

Accordingly, in the embodiment of the present invention, a new certificate and a token key can be set through a simplified authentication process within a range where the security performance of the banking process using the agent 100 can be maintained, Can be minimized.

Specifically, when the login history of the login information is not confirmed, the login unit 124 receives the information for authentication of the user through the provision of the start page and sets the login information based on the received user authentication information You can see if you have a history. In one embodiment, the log-in unit 124 obtains the device identification information uniquely assigned to the corresponding user terminal 1000 in the process of providing a start page or receiving information for authentication of the user, It may be determined that the current state is a device change state or an agent reinstallation state, so that different procedures may be performed in the case of device change and agent reinstallation. For example, in the case of agent reinstallation, a simpler authentication process may be performed than in the case of device change.

On the other hand, the log-in unit 124 authenticates the user by inputting the login information and the real name confirmation information set for the user having the history setting the login information as a result of checking based on the authentication information, And upon completion, receive the token key from the banking management server 2000 based on the corresponding login information. At this time, the log-in unit 124 can receive the ID card from the user for confirming the real name, but the present invention is not limited thereto.

At this time, the login unit 124 can receive a new token key from the banking service management server 2000, but the present invention is not limited to this, and thus the previously used token key is received from the banking management server 2000 It is also possible. That is, since the banking management server 2000 manages the login information by matching the received public key and the token key, it can extract the token key matched with the login information input from the user and provide the extracted token to the login unit 124 .

The login unit 124 transmits the public key generated by the user terminal 1000 to the banking management server 2000 according to the execution of the agent 100 so that the banking management server 2000 transmits a new public key It can be managed by matching with the login information. That is, in case of reinstallation of the agent 100 or change of the device of the user terminal 1000, a new certificate is generated, so that the login unit 124 transmits the public key to the banking management server 2000, And register the new public key.

On the other hand, if the login unit 124 determines that there is no history of setting the login information as a result of checking based on the authentication information, the login unit 124 may proceed with the membership registration process and the login information setting process by providing the membership registration page, Membership can be simplified through interworking with other applications.

As described above, in the embodiment of the present invention, when the reinstallation of the agent 100 or the change of the device of the user terminal 1000 occurs, the simplified authentication process using the already set login information as described above, It is possible to minimize the inconvenience that the user who sets the login information repeatedly performs an unnecessary process by matching the login information with the login information, and further, by confirming the real name using the identification information in addition to the login information, It is possible to prevent the user from logging in as an agent of another user terminal, thereby improving security performance.

Hereinafter, a specific configuration of the account opening device 160 will be described with reference to FIG.

6, the account opening device 160 includes a goods guide unit 161, an account information setting unit 163, and a real name confirmation unit 165. [

The product guide unit 161 guides the banking-related goods available through the agent 100. The product guidance unit 161 can guide the user to the account item including the request account, the deposit deposit account, and the accumulation deposit account. Accordingly, the user can apply for the opening of an account desired to join among the guided account items.

The account information setting unit 163 sets account information according to a request of a user wishing to open an account. The account information setting unit 163 can receive a product application for an account desired by the user and information necessary for opening an account. The information required for opening an account can be changed according to the account opened.

For example, when the user desires to open a request-based account, the account information setting unit 163 can receive the purpose of using the account. The purpose of use may be considered in changing the limit account to a general account when requesting a limit account release for the requested account.

When the user desires to open the deposit deposit account or the accumulation deposit account, the account information setting unit 163 additionally inputs not only the information input at the time of opening the demand-demand account but also the setting amount desired by the user, Can receive. In this case, the account information setting unit 163 can determine the interest rate of the account based on the inputted set amount and the subscription period. For example, since the interest rates corresponding to the subscription period are set differently according to the characteristics of the respective accounts, the account information setting unit 163 can set the interest rate of the account according to the input of the user.

The account information setting unit 163 can receive customer confirmation information such as CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence), and can receive additional Foreign Account Tax Compliance Act (FATCA) for overseas taxpayers have. The account information setting unit 163 allows the user to confirm the depositor protection law, the illegal / illegal prohibition guidance, etc. by providing the user with the merchandise terms and manual.

The real name confirmation unit 165 confirms the real name of the user according to the user's account opening request. The real name confirmation unit 165 can confirm the real name of the user in a non-face manner. For this purpose, the real name confirmation unit 165 can confirm the user's real name using the image of the user's ID card. Also, the real name confirmation unit 165 can confirm the real name of the user by using the other account information of the user. As described above, the agent 100 according to the present invention improves the convenience of the user opening an account by checking the real name of the user in a non-face-to-face manner and establishing an account, and also provides a double authentication method using the identification card and the account information By authenticating the user, the user can open his / her own account with his / her real name.

Hereinafter, a method of confirming the user's real name by the real name verification unit 165 will be described in detail.

First, as described above, the real name confirmation unit 165 can confirm the user's real name using the user's ID card. For this, the real name confirmation unit 165 can acquire the image of the user's ID card. The real name confirmation unit 165 can acquire the ID image by photographing the user ID card in cooperation with the camera of the user terminal 1000. The real name confirmation unit 165 can acquire images of ID cards such as a resident registration card and a driver's license.

Then, the real name confirmation unit 165 extracts the reference information from the obtained ID image and confirms the real name of the user based on the extracted reference information. The reference information is information from which the identity of the user can be confirmed from the ID card, and may include the name, the resident registration number, and the issue date. Since the position at which the reference information is written according to the ID card is determined, the real name confirmation unit 165 can extract the reference information by checking the letters or numbers written at the predetermined position of the acquired image.

Then, the real name confirmation unit 165 can determine whether the corresponding identification card is authentic based on the extracted reference information. The real name confirmation unit 165 may request reference information extracted by an external organization (not shown) to determine whether the ID card is authentic. For example, the real name confirmation unit 165 may request the authenticity determination of the identification card by a non-face identification verification service provision server (not shown) established by the KFTC. Alternatively, if the photographed ID card is a driver's license, the real name verification unit 165 may request the road traffic corporation or the police agency to determine whether the ID card is authentic. If the photographed ID card is a resident registration card, 24 or complaints 24).

In the above-described embodiment, the real name confirmation unit 165 requests that the non-face identification authenticity verification service providing server, the road traffic corporation, the police agency, or the civil service portal server directly inquire the authenticity of the ID card. However, in another embodiment, the real name verification unit 165 may request the server or the agency to determine whether the ID card is authentic via the banking management server 2000.

According to one embodiment, in the process of confirming the user's real name using the user's ID card, the real name confirmation unit 165 may allow the user to modify the extracted reference information. For example, an error may occur in the extracted reference information due to the difference in the image quality of the photographed image depending on the performance of the camera for photographing the ID card or the surrounding environment in which the ID card is photographed, Can be modified. Accordingly, the agent 100 according to the present invention can prevent an error occurring in the identification of the user due to the erroneous extraction of the reference information due to an external factor of shooting the ID card.

However, if unlimited modification of the reference information is permitted, a situation may arise in which an unauthorized user takes an arbitrary ID and corrects all the reference information. Therefore, the real name confirmation unit 165 compares the correction information corrected by the user with the extracted reference information, and allows the correction only when the correction information is within a predetermined range from the extracted reference information. In one embodiment, the real name confirmation unit 165 may determine whether to allow or deny based on the ratio of the extracted reference information to the extracted reference information. In this case, the ratio may be set to reflect the camera performance or the like. For example, the ratio may be set to allow correction only when the ratio of the corrected reference information to the extracted reference information is within 5%.

In another embodiment, the real name confirmation unit 165 may store characters or numbers that are likely to be erroneously extracted as error information, and determine whether the corrected reference information corresponds to the error information to determine whether or not to permit the error information. That is, the error information means information matching a character or a number that is expected to be erroneously extracted with respect to a character or a number included in the specific reference information. For example, the character 'Gil' is likely to be mistakenly extracted as 'Kim', and the number '0' is likely to be extracted incorrectly as '8'. Accordingly, the real name confirmation unit 165 permits correction only when the letters or numbers corresponding to the error information preformed by the user are corrected, thereby correcting only the reference information that can be erroneously extracted, The effectiveness of verification can be improved.

Meanwhile, the real name confirmation unit 165 may compare the modified information corrected by the user with the extracted reference information, and may further include a name or a resident registration number of the user acquired in the process of collecting the customer information, Customers may also use additional registered customer information.

In the above description, it is described that the real name confirmation unit 165 transmits the extracted reference information to the external organization to request the determination of authenticity of the identification card. However, the present invention is not limited to this, It is also possible to judge whether or not it is true or false.

In addition, as described above, the real name verification unit 165 can confirm the real name of the user by using the user's other account information.

To this end, the real name confirmation unit 165 can receive the other account information from the user. The other account information may include another bank name and another account number. The real name confirmation unit 165 confirms that the real name and the resident registration number of the owner of the other account corresponding to the received second account number are identical to the real name and the resident registration number of the user (hereinafter, the term 'real name' It is possible to confirm that they match with each other, and to deposit a predetermined amount into the other account number. At this time, the real name confirmation unit 165 can identify the real name of the user by writing the identification information including at least one of a predetermined character and a number as the depositor's name, and receiving the identification information written in the depositor's name from the user .

That is, only when the second account is a normal account opened by the user and the user has normal access to the second account, the user confirms the predetermined character or number written in the second account by the real name confirmation unit 165 The real name confirmation unit 165 can easily confirm the user's real name in the same manner as described above.

In particular, the agent 100 according to the embodiment of the present invention can asynchronously perform the process of confirming the blindness through the identification of the identity card and the process of confirming the blindness through the account information of the other accounts. That is, the agent 100 according to the embodiment of the present invention can perform the process of confirming the real name through the other account information irrespective of the completion of the real name verification process through the ID image capture.

More specifically, it is as follows. As described above, the blindness verifying unit 165 requests the external organization to judge whether the ID card is authentic in the process of confirming the identity of the user through the identification of the ID card, so that the determination of the authenticity of the ID card may be delayed have. When the process of confirming the authenticity of the ID card is completed and the process of confirming the real name using the other account information is performed, the user may inconvenience the user to wait unnecessarily until the authenticity determination of the ID card is completed. Accordingly, in the embodiment of the present invention, the blindness verifying unit 165 first proceeds to the blindness checking process through the other-account information irrespective of the completion of the blindness checking process through the photographing of the ID card, and informs the user that the application for opening an account has been completed . Then, the real name confirmation unit 165 informs the user of the completion of opening an account or the opening of an account according to a result of determining whether the ID card is authentic, thereby reducing unnecessary waiting time of the user.

In one embodiment, the verification of the real name can be performed first, and the verification of the real name can be performed secondarily through the information of the other account through the authenticity verification of the identification card. In another embodiment, the first real name verification may be performed by using the authentication result of the person himself / herself through the video call or the authentication result verified when the access medium (for example, the OTP or the check card) is transmitted offline, Verification of the real name may be performed by authenticating the user through the video call or by using the result of the authentication of the user, which is confirmed when the access medium is delivered offline, or by using the existing account of the user.

In addition, the account can be opened when the first real name verification and the second real name verification are completed. However, in another embodiment, in addition to the first real name verification and the second real name verification, a mobile phone, a public certificate, And the result of a credit information company or the like may be additionally used.

Meanwhile, as described above, the connection management apparatus 120 according to the embodiment of the present invention directly receives information for authentication of the user as a first embodiment and proceeds to join the membership, or as a second embodiment, It is possible to proceed with membership without directly receiving the information for authentication through the interworking.

In addition, when the member registration process is performed according to the first embodiment, the connection management apparatus 120 sets the login information in the member registration step. However, when the member registration is proceeded according to the second embodiment, You have not set up login information that includes a number.

Accordingly, the account opening device 160 according to the embodiment of the present invention may further include a login unit 167.

The login unit 167 can set the login information including the user's login means and the PIN number together with the user who opened the membership through the connection management apparatus 120 according to the second embodiment have. Since the login unit 167 can set login information in the same manner as the login unit 124 of the connection management apparatus 120, the repetitive description will be omitted.

Meanwhile, the account information setting unit 163 and the real name confirmation unit 165 perform a process for opening an account in response to a user's request to open an account, as described above. The information input by the user can be stored in the process of opening. For example, the user proceeds to open an account sequentially using the account opening page displayed through the agent 100. However, when the user leaves the agent 100 or an error occurs in the agent 100 during account opening The agent 100 may be terminated. When the user re-executes the agent 100, it is inconvenient for the user to input the information necessary for opening the account again. Accordingly, in the embodiment of the present invention, the information inputted by the user until the account opening is completed is stored as temporary information in the banking management server 2000, and when the agent 100 is re-executed, Information can be used so that the user can continue the account opening process.

For example, as described above, the account information setting unit 163 and the real name confirmation unit 165 sequentially display the account opening pages and sequentially receive information necessary for account opening from the user, The user can continue the account opening by displaying the next page of the page last stored in the banking management server 2000 when the banking service 100 is terminated and then re-executed. At this time, the page, which has been input by the user, may be matched with the subscription information or login information of the user and stored in the banking service management server 2000. Accordingly, the agent 100 may terminate the agent 100 When re-executed, by inputting membership subscription information or log-in information from a user, information on a page on which input has been completed can be extracted.

The account opening device 160 according to the embodiment of the present invention may further include a deposit amount division management unit 169. [

The deposit amount division management unit 169 divides and manages the deposit amount of the account opened in conjunction with the banking service management server 2000. The deposit amount division management unit 169 can guide a child account item having the opened account as a mother account. A child's account may be opened with the amount of the deposit divided by at least a part of the deposit amount of the mother's account. A child account is an account that is linked to the parent account and can be set to manage the deposit amount freely within a certain range. Accordingly, the user can manage the reserve funds more conveniently than by opening a separate account and depositing the reserve funds. On the other hand, since the own account is connected to the parent account and is free to deposit or withdraw money to the parent account, the deposit amount division management unit 169 can guide that the account can open a account only if the opened account is a demand account.

In one embodiment, the deposit amount division management unit 169 may generate a plurality of child accounts for one parent account at the request of the user. In this case, the deposit amount division management unit 169 separates and manages the deposit amount of the mother's account and the deposit amount of each of the plurality of child accounts.

The deposit amount division management unit 169 can receive customer confirmation information such as CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence) when a user who opens an account is requested to open a bank account. However, the present invention is not limited to this case, so that the user can omit the process when the user who requests the account opening is not the user who has to confirm the CDD and EDD.

The deposit amount division management unit 169 allows the user to confirm the depositor protection law, the illegal / illegal prohibition guidance, etc. by providing the user with the merchandise terms and manuals when the account can be opened based on the parent account requested by the user. The deposit amount division management unit 169 receives the PIN number or biometric information of the user from the user, and when the input PIN number matches the PIN number set through the connection management apparatus 120 or the inputted biometric information is stored in the connection management apparatus 120, It is possible to open a bank account in cooperation with the banking service management server 2000. [

7A and 7B are diagrams showing a management screen of a personal account displayed through a banking processing agent according to an embodiment of the present invention. FIG. 7A is a view showing a management screen of a child account displayed when a child account is initially created through a banking processing agent according to an embodiment of the present invention. FIG. 7B is a view showing a state in which a part of the deposit amount of the parent account is transferred to a child account In the state shown in Fig. The safebox described in Figs. 7A and 7B means a self account.

Specifically, when the account is initially created in cooperation with the banking management server 2000, the deposit amount division management unit 169 displays the current stored amount of the account of the account as 0 yen , And when a certain amount is transferred to the account of the user, the current amount of stored money can be displayed as 1,126,000 KRW as shown in FIG. 7B.

Hereinafter, a method of managing the transactions of the parent account and the child account in cooperation with the bank account management server 2000 will be described in detail.

The deposit amount division management unit 169 and the banking service management server 2000 manage the deposit amount of the own account to be equal to or less than a preset reference amount but allocate the first interest rate to the parent account and the second interest rate . ≪ / RTI >

In one embodiment, the second interest rate may be set to be higher than the first interest rate. At this time, the reference amount may be lower than the limit amount set in the parent account. As described above, in the embodiment of the present invention, the interest allocated to the parent account at a higher interest rate than the parent account is paid to the child account in the reference money amount, so that the user can open a personal account and operate the preliminary fund.

The deposit amount division management unit 169 can pay the interest generated in the own account to the parent account in cooperation with the banking service management server 2000 when the preset interest payment time has reached the account. As described above, in the embodiment of the present invention, interest generated for the deposit amount of the own account is paid to the mother account so that only the deposit amount deposited by the user remains in the account. Accordingly, the user can manage the exact amount of the money deposited in the own account by the preliminary fund.

However, the present invention is not limited thereto. For example, as described above, since the deposit amount of the own account is managed to be less than the reference amount, when the interest is generated in the own account, the deposit amount division management unit 169 and the banking service management server 2000 calculate the sum of the deposit amount of the self account and the interest It is also possible to compare the interest to the parent's account only if the deposit exceeds the reference amount and the sum of the deposit amount and interest in the account exceeds the reference amount.

The deposit amount division management unit 169 and the banking service management server 2000 may permit the transaction request using the own account only for the connected mother account. Specifically, the deposit amount division management unit 169 permits only the transfer from the parent account to the child account or from the child account to the parent account in cooperation with the banking management server 2000, and transfers the account account from the child account to another account, To a bank account. In other words, since the child account is an account that is set as an account set by dividing the parent account, the deposit amount division management unit 169 and the banking management server 2000 allow the transaction using the child account only for the parent account, Can be prevented from being changed by other accounts.

To this end, the deposit amount division management unit 169 can receive a request for transfer between the parent account and the child account only through the management screen of the account. Specifically, the user can request the deposit from the parent account to the child account or the deposit from the child account to the parent account only through the management screen of the child account. The deposit amount division management unit 169 receives the target deposit amount of the desired account of the user and receives the deposit amount from the parent account to the child account based on the result of comparing the present deposit amount of the child account with the target deposit amount, The withdrawal can be executed. Specifically, if the target deposit amount is greater than the current deposit amount, the difference between the target deposit amount and the current deposit amount is transferred from the parent account to the current account. If the target deposit amount is smaller than the current deposit amount, the difference between the target deposit amount and the current deposit amount is calculated You can transfer from account to parent account.

8A and 8B are views illustrating a screen for setting a target deposit amount of a self account through a banking processing agent according to an embodiment of the present invention.

8A, if the target deposit amount of 223,000 won is inputted from the user in the state where the current deposit amount of the own account is 1,126,000, the deposit amount division management unit 169 and the banking management server 2000 calculate the target deposit amount The amount of 903,000 won, which is the difference between the target deposit amount and the present deposit amount, can be transferred from the account to the parent account because it is smaller than the deposit amount.

8B, if the target deposit amount of 3,980,000 KRW is inputted from the user in a state where the current deposit amount of the own account is 1,126,000, the deposit amount division management unit 169 and the banking management server 2000 calculate the target deposit amount It is possible to transfer 2,854,000 won, which is the difference between the target deposit amount and the present deposit amount, from the parent account to the child account.

However, the present invention is not limited to this, and it is also possible that the deposit amount division managing unit 169 receives the target deposit amount directly using the keypad without receiving the target deposit amount in the sliding manner using the scroll bar.

The deposit amount division management unit 169 displays a page for inputting the PIN number, for example, as shown in FIG. 5D, when the transfer from the parent account to the child account or the transfer request from the child account to the parent account is received from the user, If the PIN number matching the PIN number set through the PIN 120 is input, the transfer can be permitted. As described above, in the embodiment of the present invention, transactions can be simply performed by checking only the PIN number when trading between the parent account and the child account. Specifically, since the parent account is the same as the general demand account, it is necessary to directly input the account number of another account and confirm the name of the user who owns another account for transaction between the parent account and another account. On the other hand, in the embodiment of the present invention, the transaction is permitted by checking only the PIN number at the time of transaction between the parent account and the child account, so that the user can freely manage the deposit amount of the child account divided from the parent account as the preliminary fund, You can freely transfer and use it.

5D, it is explained that the PIN number is compared to permit the transfer. However, in another embodiment, when the user's biometric information is input, if the inputted biometric information matches the biometric information set in the connection information management unit 200, .

Hereinafter, for the sake of convenience of explanation, it is explained that PIN numbers are compared to permit transfer.

Meanwhile, in the process of dividing the deposit amount of the parent account and establishing a child account, an account number different from the account number of the parent account may be assigned to the child account. In this case, the deposit amount division management unit 169 divides the transaction details of the parent account or the child account It is possible to prevent a user from requesting a transaction between another account and a child account based on the account number of the child account by preventing the account number of the child account from being displayed.

In addition, even when the deposit amount division management unit 169 provides a service for linking with the banking service management server 2000 to inform the transaction details via SMS or the like, it does not display the account number of the account in the SMS, For example, a safe box) can be displayed.

Hereinafter, a method of canceling the parent account and the child account in cooperation with the banking service management server 2000 will be described in detail.

The deposit amount division management unit 169 determines whether a child account is divided from the parent account when a request to cancel the parent account is received from the user, and can not allow the parent account to be canceled if the child account is divided from the parent account. Since the account of the parent account is an account dependent on the parent account, only the transaction with the parent account is allowed, and thus the parent account can not be canceled in the state where the child account exists. Therefore, if the child account is divided from the parent account, To tell them that they should first close their accounts.

In addition, the deposit amount division management unit 169 can transfer the deposit amount of the own account to the parent account when the request for cancellation of the own account is received from the user, and then can close the account. In addition, the deposit amount division management unit 169 may settle the interest based on the deposit amount of the own account, and may transfer the deposit amount of the own account to the parent account together with the calculated interest, and then cancel the account. As described above, the deposit amount division management unit 169 eliminates the inconvenience that the user has to withdraw the deposit amount of the own account in accordance with the termination of the own account, and can continuously manage the deposit amount in the parent account, thereby improving the user's convenience have.

Hereinafter, a specific configuration of the interest management device 180 will be described with reference to FIG.

9, the interest management apparatus 180 may include a payment interest information obtaining unit 183, a reference time calculating unit 186, and a real time interest displaying unit 187. [

The payment interest information obtaining unit 183 obtains information on the interest paid to be paid to the account on the predetermined interest payment date based on the deposit balance and the interest rate of the account. For example, the payment interest information obtaining unit 183 may obtain information on a payment interest to be paid to an account at a predetermined interest payment date from the banking management server 2000. However, since the present invention is not limited to this, the payment interest information obtaining unit 183 obtains the account information such as the deposit balance and the interest rate of the account from the banking service management server 2000 and calculates the direct payment interest based on the account information It is also possible to obtain information about the interest paid.

The reference time calculator 186 calculates a reference time required to accumulate the preset reference amount. The reference amount can be set to the minimum amount of interest displayed through the real-time interest display unit 187. [ For example, when the real-time interest display unit 187 displays the expected interest in units of 0.01 yen, the reference time calculator 186 can calculate the reference time required to accumulate 0.01 won. The reference time calculator 186 can calculate a reference time required to accumulate the reference amount based on the account information obtained through the account information obtaining unit 181. [ For example, the reference time calculator 186 can calculate the interest paid to the account on the interest payment date based on the deposit balance and the interest rate of the account, and divides the time until the interest payment date according to the ratio of the reference amount to the interest paid The reference time can be calculated. Accordingly, the reference time is calculated to be shorter as the deposit balance of the account is larger and the interest rate is higher.

The real-time interest display section 187 displays the expected interest to be accumulated from the account opening date to the current time in real time.

The real-time interest display unit 187 can display, in real time, the expected interest calculated by accumulating the reference amount each time the reference time elapses from the account opening date. As described above, since the reference time is calculated shorter as the deposit balance of the account is larger and the interest rate is higher, the higher the deposit balance of the account and the higher the interest rate, the more the expected interest is displayed with the shorter period. The real-time interest display unit 187 can directly calculate the expected interest and display it in real time. However, when the interest management device 180 further includes a configuration for calculating real-time interest, the expected interest calculated through the configuration is received and displayed You may.

As described above, since the number of deposits and the interest calculation method can be changed depending on the account type, the result calculated through the reference time calculation unit 186 and the result displayed through the real-time interest display unit 187 are different from each other .

For example, since the free deposit and withdrawal account is an account that allows a user to freely deposit and withdraw without having to notify the bank, if the account is a free deposit and withdrawal account, the reference time calculated through the reference time calculator 186 can be changed each time deposit or withdrawal occurs. Specifically, when the deposit occurs, the reference time is shortened, and when the withdrawal occurs, the reference time becomes longer. Accordingly, the real-time interest calculation unit 187 accumulates the reference amount in a shorter period in the case of deposit, and accumulates the reference amount in a longer period in the case of withdrawal, thereby displaying the expected interest in real time. The free deposit / withdrawal account may be a demand deposit account, but it is not limited to this, and thus it may be a deposit deposit account in which the withdrawal withdrawal function is set up, or an accumulation deposit account in which the withdrawal withdrawal function is set up.

In addition, since the withdrawable account can be withdrawn even before the expiration date of the account, if the account is a withdrawable account, the reference time calculated through the reference time calculator 186 becomes longer each time the withdrawal occurs . Accordingly, the real-time interest calculation unit 187 accumulates the reference amount at a longer period every time a middle withdrawal occurs in the withdrawable account to display the expected interest in real time. The withdrawable account can be, but is not limited to, a deposit account with a withdrawal function and a withdrawal account with a withdrawal function.

In addition, since the periodic deposit generating account is an account that can receive interest payments for a predetermined period in return for depositing a predetermined amount in a predetermined period during a predetermined period of time, if the account is a regular deposit generating account, the reference time calculating unit 186 The calculated reference time is shortened each time deposit occurs. Accordingly, the real-time interest calculation unit 187 accumulates the reference amounts at a shorter period every depositing time of the regular deposit generation account, and displays the estimated interest in real time.

However, in the case of a regular deposit account, the interest rate may be changed at each deposit period, so that the reference time calculator 186 can calculate the reference time by reflecting the deposit amount and the interest rate corresponding to the deposit period every deposit period. In particular, in the case of an account in which the interest rate is set to decrease at each deposit period, the reference time calculated through the reference time calculator 186 may become longer as the deposit occurs. The periodic deposit account can be, but is not limited to, a deposit account.

In addition, the depositing account as described above does not occur only on a regular basis, and depositing may occur irregularly according to a time point desired by the user. In this case, the reference time calculated through the reference time calculator 186 becomes shorter each time deposit occurs. Accordingly, the real-time interest calculation unit 187 accumulates the reference amount at a shorter period every depositing time of the irregular deposit generating account, and displays the expected interest in real time.

Accordingly, the agent 100 according to the present invention displays the expected interest to be accumulated up to the current time separately from the point at which the actual interest is paid, thereby realizing the user's interest in operating the account in real time, I can feel it.

In addition, in the above description, when the agent 100 according to the present invention deposits or withdraws, the expected interest calculated by accumulating the reference amount every time the reference time changed according to the deposit or withdrawal is displayed in real time However, the present invention is not limited to this.

Therefore, the real-time interest display unit 187 displays the expected interest in real time based on the reference time before the change is made for a predetermined time from when the deposit or withdrawal occurred, and displays the estimated interest on the basis of the changed reference time The interest can also be displayed in real time.

For example, the real-time interest display unit 187 displays the estimated interest in real time by accumulating the reference amount every time the reference time before the change is made until 0:00 on the next day when the deposit or withdrawal occurs, The estimated interest can be displayed in real time by accumulating the reference amount every time the reference time changed from 0 on the next day elapses.

The real-time interest display unit 187 resets the expected interest through the banking management server 2000 when the expected interest up to the interest payment date is paid to the account, and calculates and displays the expected interest from the interest payment date. That is, since there is an account in which the interest payment date reaches a plurality of times before expiration according to the account type, the real-time interest display unit 187 can calculate the expected interest that is not paid except the interest actually paid on the interest payment date and display it in real time .

In addition, the agent 100 and the banking service management server 2000 according to the present invention not only display the expected interest to be accumulated up to the current time in real time, but also pay the settlement interest to the account even before the interest payment date.

For this, the real-time interest display unit 187 can transmit the expected interest calculated up to the present time when the request for the user is received by the banking service management server 2000 when the settlement request of the user satisfying the predetermined condition is received. The banking service management server 2000 can settle the interest at a desired time point by paying the received expected interest to the account.

In one embodiment, the predetermined condition may be set using at least one of the account maintenance period, the account setting amount, and the customer class. For example, when the period in which the account is maintained up to the present time relative to the period from the establishment date of the account to the expiration date is more than 50%, or the set amount of the account exceeds a certain amount, or the user is a certain grade or more The agent 100 and the banking service management server 2000 can settle the interest and settle the interest according to the request of the corresponding user. However, the present invention is not limited to this, so it can be used as a condition for calculating the interest at a midway using information not described.

In the above-described embodiment, the predetermined condition is set using at least one of the account retention period, the account set amount, and the customer class, but the present invention is not limited to this, and the condition may be set using other information It might be.

The real-time interest display section 187 resets the expected interest and can calculate and display the expected interest from the interest settlement date, even when the expected interest is paid out by the user and paid to the account.

FIG. 10 is a detailed view of a interest management apparatus of a banking transaction processing agent according to another embodiment of the present invention.

10, the interest management apparatus 180 includes a payment interest information obtaining section 183 and a real-time interest display section 187, and may further include a real-time interest calculating section 185 and a stopwatch 189 have. Since the payment interest information obtaining unit 183 can operate in the same manner as described with reference to FIG. 7, a repetitive description thereof will be omitted.

The real-time interest calculating unit 185 calculates the expected interest to be accumulated from the account opening date to the present time. The real-time interest calculation unit 185 can calculate the expected interest by calculating the reference interest to be accumulated for a predetermined time and accumulating the reference interest every time the corresponding time elapses. In one embodiment, the predetermined time may be set to a minimum time measured through the stopwatch 189. [ For example, when the time is measured in units of 0.01 second through the stopwatch 189, the real-time interest calculating unit 185 calculates the reference interest to be accumulated for 0.01 seconds, accumulates the reference interest every 0.01 seconds, can do. Accordingly, the real-time interest calculation unit 185 can calculate the expected interest to be accumulated by operating in synchronization with the stop-watch 189 in real time.

On the other hand, since the deposit balance of the account is large and the interest rate is high, the reference interest is calculated to be larger, so that the higher the deposit balance of the account and the higher the interest rate, the more the money is accumulated for the predetermined time. Accordingly, the real-time interest calculation unit 185 can calculate the expected interest to be accumulated in real time by newly calculating the reference interest by reflecting the deposit or withdrawal occurring in the account.

The real-time interest display section 187 displays the expected interest to be accumulated from the account opening date to the current time in real time. In one embodiment, the real-time interest display 187 may operate in synchronization with the stopwatch 189. According to this embodiment, the real-time interest display unit 187 can display the expected interest corresponding to the elapsed time from the account opening date measured through the stopwatch 189 to the current time in real time. The real-time interest display unit 187 can directly display the expected interest and display it in real time. However, the present invention is not limited to this, and the expected interest calculated through the real-time interest calculation unit 185 may be received and displayed.

The real-time interest display unit 187 can display, in real time, the expected interest calculated by accumulating the changed reference interest from the time when the deposit or withdrawal occurs in the account.

However, since the present invention is not limited to this, the real-time interest display unit 187 displays the expected interest in real time based on the reference interest before the change is made for a predetermined period of time after the deposit or withdrawal occurs, The expected interest can be displayed in real time based on the changed reference interest.

For example, the real-time interest display unit 187 accumulates the reference interest before the change is made until 0:00 on the day following the deposit or withdrawal from the time when the deposit or withdrawal occurs, displays the expected interest in real time, The expected interest can be displayed in real time.

The stopwatch 189 is a structure for accurately measuring time in a precise unit. In one example, the stopwatch 189 may measure the time in units of 0.01 second from the date of opening of the account. The real-time interest display unit 187 can display the expected interest up to the present time in real time by calculating the reference interest to be accumulated in the minimum time unit measured through the stopwatch 189 in synchronization with the stopwatch 189. [

In FIG. 10, the stopwatch 189 is included in the agent 100 according to the present invention, but the present invention is not limited thereto. For example, other configurations may be included in the agent 100 to determine whether a predetermined amount of time has elapsed instead of the stopwatch 189. As another example, when the user terminal 1000 has a configuration capable of determining whether or not a predetermined time has elapsed, the agent 100 synchronizes with the corresponding configuration included in the user terminal 1000 and is measured from the account establishment date It can operate with input of time.

In addition, in the above description, when the agent 100 according to the present invention deposits or withdraws, the expected interest calculated by accumulating the reference amount every time the reference time changed according to the deposit or withdrawal is displayed in real time However, the present invention is not limited to this.

The real-time interest display unit 187 resets the expected interest through the banking management server 2000 when the expected interest up to the interest payment date is paid to the account, and calculates and displays the expected interest from the interest payment date. That is, since there is an account in which the interest payment date reaches a plurality of times before expiration according to the account type, the real-time interest display unit 187 can calculate the expected interest that is not paid except the interest actually paid on the interest payment date and display it in real time .

In addition, the agent 100 and the banking service management server 2000 according to another embodiment of the present invention may also provide the settlement interest before the interest payment date according to a request of a user satisfying a predetermined condition. The detailed contents are the same as those described with reference to FIG. 9, and a repeated description thereof will be omitted.

The banking management server 2000 processes the user's banking request through the agent 100. [ The banking service management server 2000 can manage all the information of the user for using the agent 100. The banking service management server 2000 opens an account in cooperation with the agent 100, opens a child account having a deposit amount obtained by dividing the deposit amount of the parent account by using the opened account as a mother account, can do.

Hereinafter, a concrete configuration of the banking service management server 2000 will be described with reference to FIG.

11, the banking service management server 2000 includes an access information management unit 200, a key management unit 220, an account information management unit 240, a provisional information management unit 260, and a payment interest management unit 280, . ≪ / RTI >

The connection information management unit 200 manages login information for the user's connection to the agent 100. [ The login information may include login means, and the login means may include biometric information such as pattern information to which the keys on the keypad are connected, fingerprint / face / iris, and the like. The connection information management unit 200 can receive and register the login means entered by the user at the time of membership registration from the connection management apparatus 120. [ Accordingly, the connection information management unit 200 can determine whether or not the user can access the agent 100 by comparing the login means input by the user to the connection management apparatus 120 for login, with the registered login means.

The connection information management unit 200 can receive and register the PIN number as the banking authentication means entered by the user at the time of membership registration from the connection management apparatus 120. [ Accordingly, the connection information management unit 200 can determine whether or not to process the banking service requested by the user by comparing the PIN number inputted to the connection management apparatus 120 by the user with the registered PIN number for authentication .

The key management unit 220 generates a token key when the connection information management unit 200 interlocks with the connection management apparatus 120 and the login information is set. The key management unit 220 may transmit the generated token key to the connection management apparatus 120, and may manage the token key by matching the token key.

The key management unit 220 can manage the generated certificate as the agent 100 is executed in the user terminal 1000. [ The certificate may include a public key and a private key. The key management unit 220 can receive and manage the public key from the connection management apparatus 120. [ Accordingly, the agent 100 and the banking management server 2000 can perform the encrypted communication using the generated private key and the public key. The key management unit 220 can manage the public key by matching with the login information, and can manage the public key and the token key by matching the login information.

The account information management unit 240 establishes an account desired by the user in cooperation with the account opening device 160. [ The account information management unit 240 can manage the account information of the opened account. The account information management unit 240 can manage the information input from the user for opening an account. For example, the account information management unit 240 can manage the user's real name verification information, the opened account information, and the like. The real name confirmation information may include identification information of a user who has photographed his / her identification card and information on another user's account. The account information may include an account balance, a subscription period, an interest rate, and the like.

When the agent 100 is terminated, the temporary information management unit 260 stores temporary information that the user inputs to the agent 100 until termination. The temporary information management unit 260 may store temporary information until the end of the agent 100 when the agent 100 is terminated before the progress of membership registration and account opening is completed through interlocking with the agent 100. [ For example, when the agent 100 is newly opened, the agent 100 may be terminated due to a reason such as a user departing from the agent 100 or an error of the agent 100 during opening an account. Inputting again may cause inconvenience to the user. Accordingly, when the agent 100 is terminated before the completion of the process such as opening an account, the temporary information management unit 260 stores the temporary information inputted until the end of the transaction, and thereby, when the agent 100 is executed again, 160 may continue to open an account using the stored temporary information.

The temporary information management unit 260 may store the temporary information inputted by the user from the time the certificate is generated through the connection management apparatus 120 until the end of the agent 100 when the agent 100 ends. For example, the temporary information management unit 260 can store information such as CDD, EDD, and FATCA when the agent 100 is terminated while the user inputs information such as CDD, EDD, and FATCA. Accordingly, the account opening device 160 can guide the user to proceed to the next step using the stored information when the agent 100 is executed again.

The temporary information management unit 260 stores the temporary information after the certificate is generated through the connection management apparatus 120 because the agent 100 and the banking management server 2000 securely transmit the information of the user This is because it is preferable to store temporary information as described above only in a state in which management is possible. That is, as described above, the agent 100 can be matched to the user terminal 1000 as the certificate is generated, and the agent 100 and the banking management server 2000 can perform the encrypted communication. Therefore, the temporary information management unit 260 according to the present invention can secure the information inputted by the user by storing the temporary information only after the certificate is generated.

In addition, by storing the temporary information only after the certificate is generated, the banking management server 2000 according to the present invention can improve the data storage efficiency compared to the case where all the data are stored.

The temporary information management unit 260 may store the temporary information inputted by the user in units of pages displayed to the user in the process of opening an account or the like. For example, the temporary information management unit 260 accumulates temporary information each time the page displayed to the user is passed, and manages the page in which the temporary information is stored in correspondence with the login information of the user, It is possible to simply extract and provide the page to be provided.

The payment interest management unit 280 calculates a payment interest to be paid to the account on the interest payment date based on the account information. As described above, the account information may include an account type, a deposit balance, a subscription period, and an interest rate. The account type can be any one of a courier deposit account, a demand account, and an accumulation deposit account. The subscription period may include information on the period until the expiration of the account and the pre-agreed interest payment date.

As described above, the account can be any one of a riding deposit account, a demanding account, and an accumulation deposit account, and the number of deposits and the interest calculation method can be changed according to the account type.

For example, the deposit deposit account is an account that can receive interest for a certain period of time in exchange for depositing a certain amount of money in the account for a certain period of time. If the account is a deposit deposit account, the payment interest management unit 280 determines the maturity deposit account The interest to be paid to the account at the time point can be calculated as the interest paid.

When the account is a demand-free account, the payment interest management unit 280 reflects the deposit amount or the amount of the withdrawal every time a deposit or withdrawal occurs so that the payment interest can be paid out Can be changed. For example, when the payment is made, the payment interest management unit 280 may increase the interest paid by reflecting the amount of the deposit, and may reduce the interest paid by reflecting the amount of the withdrawal when the withdrawal occurs. The method of calculation of the specific interest rate can be determined according to predetermined conditions.

In addition, the accumulated deposit account is an account that can receive the interest for a predetermined period of time in order to deposit a certain amount of money in a predetermined period during a certain period of time, and the interest rate may be changed at each transfer cycle. The payment interest management unit 280 may change the payment interest by reflecting the deposit amount and the interest rate corresponding to the deposit period at each deposit period of the accumulated deposit account.

Meanwhile, in the above-described embodiment, the agent 100 receives the information on the interest paid by the payment interest management unit 280 of the banking management server 2000, But in another embodiment, the agent 100 can directly calculate the interest paid. In this embodiment, the payment interest information obtaining unit 183 of the agent 100 obtains the account information such as the deposit balance and the interest rate of the account from the banking management server 2000 and calculates the direct payment interest on the basis thereof .

The payment interest management unit 280 may settle the interest before the interest payment date and pay it to the account. For this, the payment interest management unit 280 may receive the settlement request of the user from the agent 100, and determine whether the corresponding user corresponds to a predetermined condition for requesting the settlement. The payment interest management unit 280 can receive the expected interest from the agent 100 if the user satisfies a predetermined condition and can pay the received expected interest to the account as the settlement interest. Thus, by allowing the user who satisfies the predetermined condition to settle the estimated interest accumulated up to the desired time point to acquire the settlement interest in addition to the deposit balance, the present invention can improve the enjoyment of the user in using the account.

Although not shown in FIG. 11, the banking management server 200 may further include a customer information file generating unit (not shown) for generating a customer information file. The customer information file generation unit generates the customer information file of the corresponding user according to the customer information file creation request transmitted from the customer information file creation request unit 140.

Specifically, the customer information file generation unit, when receiving a customer information file generation request including customer information from the customer information file generation requesting apparatus 140, determines whether the user is a user who can open an account based on the customer information. For example, the customer information file generation unit determines whether the age corresponds to an age at which an account can be opened based on the user's name and resident registration number included in the customer information, whether the name matches the resident registration number, It is determined whether the user is a user who can open an account. If the user is a user who can open an account, the user information file can be generated for the user.

In another embodiment, in the case of a user who is difficult to create a customer information file, such as a foreigner or a minor, the customer information file generating unit may generate customer information (for example, an alien registration number, Information on whether or not the user agrees with each other, or the resident registration number of the guardian, etc.).

The banking service management server 2000 according to the embodiment of the present invention may further include a deposit amount division management unit 290. [

The deposit amount division management unit 290 divides and manages the deposit amount of the opened account in cooperation with the agent 100. [ The deposit amount division management unit 290 can use the opened account as a mother account and guide the user through the agent 100 to a child account item generated as a deposit amount obtained by dividing at least a part of the deposit amount of the parent account have. A child account is an account that is linked to the parent account and is set to be able to manage the deposit amount freely within a certain range. Accordingly, the user can manage the reserve funds more conveniently than by opening a separate account and depositing the reserve funds. On the other hand, since the own account is connected to the parent account and is free to deposit or withdraw money to the mother account, the deposit amount division management unit 290 can guide that the account can open a account only if the opened account is a demand account.

Specifically, the deposit amount division management unit 290 receives customer confirmation information such as CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence) through the agent 100 when the account opening request is made from the user who opened the account . However, the present invention is not limited to this case, so that the user can omit the process when the user who requests the account opening is not the user who has to confirm the CDD and EDD. The deposit amount division management unit 290 can confirm whether the parent account requested by the user is the subject of the account opening. For example, the deposit amount division management unit 290 can determine that the parent account can not be opened when the withdrawal or withdrawal limits the withdrawal or product subscription.

The deposit amount division management unit 290 provides the user with the goods conditions and the manual through the agent 100 when the account can be opened based on the parent account requested by the user so that the user can confirm the deposit insurance protection law and illegal / . The deposit amount division management unit 290 receives the PIN number or the user's biometric information from the user through the agent 100 and determines whether the entered PIN number matches the PIN number set in the connection information management unit 200, If the biometric information set in the information management unit 200 coincides with the biometric information, a user account can be opened.

The deposit amount division management unit 290 can allocate an account number different from the account number of the parent account to the child account while dividing the deposit amount of the parent account. In this manner, the deposit amount division management unit 290 can allow the user to manage the deposit amount of the own account as a separate account from the mother account, by making the dependent account of the parent account have a separate account number.

However, since the present invention is not limited to this, it is also possible that the deposit amount division management unit 290 does not allocate a separate account number to the account, but manages only the deposit amount desired by the user from the parent account. In such an embodiment, when the deposit account management unit 290 opens a personal account in response to a user's request, the deposit amount of the parent account and the child account is separately displayed, thereby allowing the user to recognize that the parent account and the child account are separate accounts desirable. Accordingly, also in this embodiment, the user can manage the preliminary funds in a state separated from the parent account by using a separate child account.

Hereinafter, the manner in which the deposit amount division management unit 290 manages the transactions of the parent account and the child account will be described in detail.

The deposit amount division managing unit 290 may manage the deposit amount of the own account to be less than a preset reference amount but allocate a first interest rate to the parent account and a second interest rate different from the first interest rate to the account.

In one embodiment, the second interest rate may be set to be higher than the first interest rate. As described above, in the embodiment of the present invention, the interest is paid at a higher interest rate than the parent account in the reference amount, so that the user can open a personal account and operate the reserve funds.

The deposit amount division management unit 290 can pay the interest generated in the own account to the mother account when the predetermined interest payment time is reached for the own account. As described above, in the embodiment of the present invention, interest generated for the deposit amount of the own account is paid to the mother account so that only the deposit amount deposited by the user remains in the account. Accordingly, the user can manage the exact amount of the money deposited in the own account by the preliminary fund.

However, the present invention is not limited thereto. For example, as described above, when the deposit amount management unit 290 manages the deposit amount of the own account to be less than the reference amount, when the interest is generated in the own account, it is determined whether the sum of the deposit amount of the own account and the accrued interest exceeds the reference amount It is also possible to pay the interest to the mother bank only when the sum of the deposit amount and the interest amount in the account exceeds the reference amount.

The deposit amount division management unit 290 can permit the transaction request using the own account only for the connected mother account. Specifically, the deposit amount division management unit 290 permits only the transfer from the parent account to the child account or from the child account to the mother account, and can transfer money from the child account to another account or from the other account to the child account . That is, since the own account is an account set by dividing the deposit amount of the parent account, the deposit amount division management unit 290 permits the transaction using the own account only for the parent account so that the user can manage the account as an account separated from other accounts .

To this end, the deposit amount division management unit 290 can receive a request for transfer between the parent account and the child account only through the management screen of the child account displayed through the agent 100. [ That is, the user can request the transfer from the parent account to the child account and the withdrawal from the child account to the parent account only through the management screen of the child account. The deposit amount division management unit 290 receives the target deposit amount of the desired account of the user and receives the deposit amount from the parent account to the child account based on the result of comparing the present deposit amount of the child account with the target deposit amount, The withdrawal can be executed.

Specifically, if the target deposit amount is greater than the current deposit amount, the difference between the target deposit amount and the current deposit amount is transferred from the parent account to the current account. If the target deposit amount is smaller than the current deposit amount, the difference between the target deposit amount and the present deposit amount is calculated You can transfer from account to parent account.

5D, the deposit amount division management unit 290 displays a page for inputting the PIN number, and when the transfer request is received from the access information management unit (step < RTI ID = 0.0 & 200, the PIN number matching the PIN number is input, the transfer can be permitted.

In this case, the deposit amount division management unit 290 may be configured such that the account number of the own account is not displayed in the transactions details of the parent account or the child account, in this case, the account number different from the account number of the mother account, as described above, The transaction between the account and the account of the other account can be prevented in advance.

Also, even when the deposit amount division management unit 290 provides a service for informing the transaction details via SMS or the like, it is possible to display a pseudonym (e.g., a safe box) of the account of the account without displaying the account number of the account have.

Hereinafter, a method of canceling the parent account and the child account by the deposit amount division management unit 290 will be described in detail.

The deposit amount division management unit 290 may determine whether a child account is divided from the parent account when a request to cancel the parent account is received from the user and may not allow the parent account to be canceled if the child account is divided from the parent account. Since the account of the child account is allowed to be traded only with the parent account, and the parent account is only canceled in the state where the account exists, the deposit account division management unit 290 can not allow the user account Can be guided to be canceled first.

In addition, the deposit amount division managing unit 290 can transfer the deposit amount of the own account to the parent account when the request for cancellation of the own account is received from the user, and then can close the account. In addition, the deposit amount division management unit 169 may settle the interest based on the deposit amount of the own account, and may transfer the deposit amount of the own account to the parent account together with the calculated interest, and then cancel the account. As described above, the deposit amount division management unit 290 can solve the inconvenience of the user having to withdraw the deposit amount of the own account according to the termination of the own account, and can continue to manage the deposit amount in the parent account, thereby improving the user's convenience have.

Hereinafter, a method of dividing an account deposit amount according to an embodiment of the present invention will be described in detail. The method of dividing the account deposit amount according to the embodiment of the present invention can be implemented by the account deposit amount dividing system configured by the bank transaction processing agent and the bank transaction management server described above.

12 is a flowchart schematically illustrating an implementation process of the account deposit amount dividing method according to the embodiment of the present invention.

FIG. 13 is a flowchart specifically illustrating a process of managing a self account according to the implementation of the account deposit amount dividing method according to FIG.

As shown in FIG. 12, the agent 100 and the banking management server 2000 interlock with each other to set login information of the user (S100). The login information may include a PIN number as a login means for the user to connect to the agent 100 and an authentication means for banking processing. The login means may include at least one of the pattern information to which the keys on the keypad are connected and the biometric information such as fingerprint or iris.

Next, the agent 100 and the banking management server 2000 open an account at the request of the user (S200). Specifically, the agent 100 can display an account opening page to the user. Then, the agent 100 receives information necessary for opening an account from the user, and the banking management server 2000 receives the first real name verification using the identification information and the second real name using the other account information Confirmation, and so on.

Next, the agent 100 receives a request for creating a personal account with the account opened by the user as a parent account, and opens and manages a person account using at least a part of the deposit amount of the parent account as a deposit (S300).

In one embodiment, when a plurality of child account creation requests are received from the user, the agent 100 may generate a plurality of child accounts with at least a part of the deposit amount of the parent account as a deposit amount for the parent account. In this case, the agent 100 manages the deposit amount of the parent account and the deposit amount of each of the plurality of child accounts separately.

Hereinafter, with reference to FIG. 13, a process of managing a child account after opening a child account that divides the deposit amount of the mother account will be described in detail.

As shown in FIG. 13, when a predetermined interest payment time point of the own account reaches after the current account is established (S310), the banking service management server 2000 pays the generated interest to the parent account (S320). As described above, in the embodiment of the present invention, interest generated for the deposit amount of the own account is paid to the parent account, not the child account, so that only the deposit amount deposited by the user remains in the child account. Accordingly, the user can manage the exact amount of the money deposited in the own account by the preliminary fund.

Next, when a transaction using the own account is requested from the user through the agent 100 (S330), the banking management server 2000 determines whether the subject of the transaction is a parent account (S340).

As a result of the determination in step S340, if the transaction target of the requested account of the user is the parent account, that is, when the transfer from the parent account to the child account or the withdrawal from the child account to the parent account is requested, (S350), and receives the PIN number from the user through the agent 100 (S360).

Next, the banking management server 2000 determines whether the PIN number entered from the user matches the PIN number set in step S100 (S370). If the inputted PIN number matches the set PIN number, (S380).

On the other hand, if the input PIN number does not match the set PIN number, the corresponding transaction is blocked (S382). Accordingly, in the embodiment of the present invention, it is possible to prevent a user who does not have a proper authority from transferring the preliminary funds of the own account.

In the above-described embodiment, the transaction is executed by comparing the PIN numbers. However, in another embodiment, when the user's biometric information is inputted, the inputted biometric information may be compared with the set biometric information to determine whether to execute the transaction.

If it is determined in step S340 that the transaction target of the user account requested by the user is another account, that is, when the transfer from the account to the account or withdrawal from the account to the account is requested, (S352). ≪ / RTI > As described above, in the embodiment of the present invention, the transaction using the own account is allowed only for the mother bank so that the user can manage the own account as a separate account from the other accounts.

It will be understood by those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: agent 120: connection management apparatus
124: login unit 126: certificate verification unit
128: Token key verification unit 140: Client information file creation request device
160: an account opening device 161:
163: Account information setting unit 165:
169: Deposit amount division management part 180: Interest management device
183: payment interest information acquisition unit 185: real-time interest calculation unit
186: reference time calculation unit 187: real time interest display unit
189: Stopwatch 200: Connection information manager
220: key management unit 240: account information management unit
260: Temporary information management unit 280: Paid interest management unit
290: Deposit amount division management unit 500: Database
1000: user terminal 2000: banking management server

Claims (21)

An access information management unit configured to set login information of a user in cooperation with an agent installed in a user terminal;
An account information management unit for receiving information necessary for opening an account in cooperation with the agent in response to a request to open an account and opening an account in accordance with the information; And
A child account in which at least a part of the deposit amount of the parent account is set as a deposit amount is opened as the parent account of the account opened through the account information management unit and the deposit amount of the parent account is separated from the deposit amount of the child account And a deposit amount division managing unit for managing transactions of the own account based on a preset method,
Wherein the deposit amount division management unit receives the target deposit amount of the child account from the user and transfers the difference between the target deposit amount and the present deposit amount from the parent account to the child account if the target deposit amount is larger than the present deposit amount of the child account, If the target deposit amount is smaller than the current deposit amount, transfer the difference between the target deposit amount and the present deposit amount from the child account to the parent account so that the present deposit amount of the child account is maintained as the target deposit amount of the child account, When the interest is generated in the account of the account at the time of payment, the interest generated in the account is paid to the parent account so that the current deposit amount of the current account is maintained as the target deposit amount. Business management server. The method according to claim 1,
The deposit amount division management unit,
Wherein the deposit amount management unit allocates a first interest rate for the parent account and a second interest rate different from the first interest rate to the deposit account of the parent account, A banking management server that manages a split. The method according to claim 1,
The deposit amount division management unit,
Wherein the bank account management server manages the deposit amount of the child account to be less than or equal to a preset reference amount, and assigns an interest rate higher than the interest rate of the parent account to the child account. delete The method according to claim 1,
The deposit amount division management unit,
The transfer from the parent account to the child account or the transfer from the child account to the parent account is permitted and the transfer from the child account to the other account or the transfer from the other account to the child account is blocked. A banking management server that divides and manages the amount of account deposits. The method according to claim 1,
The deposit amount division management unit,
And when the target deposit amount of the child account is input by a sliding method using a scroll bar displayed through the agent, the transfer between the parent account and the child account is performed by dividing and managing the account deposit amount. delete The method according to claim 1,
The connection information management unit,
Login information including a PIN number or biometric information of a user is set as an authentication means for log-in means and banking processing,
The deposit amount division management unit,
If the transfer from the parent account to the child account or the transfer request from the child account to the parent account is received, the user receives the PIN number or biometric information from the user through the agent, and if the inputted PIN number matches the set PIN number And if the inputted biometric information matches the set biometric information, permits the corresponding transfer. The bank transaction management server divides and manages the account deposit amount. The method according to claim 1,
The deposit amount division management unit,
An account number different from the account number of the parent account is allocated to the child account while dividing the parent account, and the account number of the child account is not exposed to the transaction details between the parent account and the child account The banking management server manages the banking service. The method according to claim 1,
The deposit amount division management unit,
When the request for revocation of the parent account is received from the user, judges whether a child account corresponding to the parent account is present, and if the parent account corresponding to the parent account exists, the parent account is not revoked. A banking management server that manages and manages. The method according to claim 1,
The deposit amount division management unit,
And when the request for termination of the account of the user is received from the user, transferring the deposit amount of the account of the child account to the parent account, and then canceling the account of the child account. The method according to claim 1,
The deposit amount division management unit,
A plurality of child accounts are established for the parent account according to a request of the user, and the deposit amount of the parent account and the deposit amount of each of the plurality of child accounts are separately managed and managed. server. Setting login information in response to a user's request in association with an agent installed in the user terminal;
Opening an account at the request of the user whose setting of the login information is completed; And
And opening and managing a child account in which at least a part of the deposit amount of the parent account is set as a deposit amount, using the opened account as a mother account in response to the request of the user,
The step of opening and managing the child account is a step of managing the deposit amount of the parent account and the deposit amount of the child account by separately managing the transfer from the parent account to the child account or the transfer from the child account to the parent account, The transfer from the account to another account or the transfer from the account to the account is blocked,
Receiving a target deposit amount of the child account from the user in the step of opening and managing the child account, and if the target deposit amount is larger than the present deposit amount of the child account, the difference between the target deposit amount and the present deposit amount, If the target deposit amount is smaller than the current deposit amount, transferring the difference between the target deposit amount and the current deposit amount from the child account to the parent account, so that the present deposit amount of the child account is maintained as the target deposit amount of the child account And when interest is generated at the time of the pre-set interest payment, interest generated in the account is paid to the parent account so that the current deposit amount of the current account is maintained as the target deposit amount. How to manage. 14. The method of claim 13,
The step of opening and managing the above-
Wherein the deposit amount management unit allocates a first interest rate to the parent account and a second interest rate that is different from the first interest rate to the account of the parent account, How to manage. delete 14. The method of claim 13,
The step of opening and managing the above-
And when the target deposit amount of the child account is input by a sliding method using a scroll bar displayed through the agent, transfer between the parent account and the child account is performed. 14. The method of claim 13,
The step of setting the login information includes:
Login information including a PIN number or biometric information of a user is set as an authentication means for log-in means and banking processing,
The step of opening and managing the above-
If the transfer from the parent account to the child account or the transfer request from the child account to the parent account is received, the user receives the PIN number or biometric information from the user through the agent, and if the inputted PIN number matches the set PIN number Or if the inputted biometric information matches the set biometric information, permits the corresponding transfer. 14. The method of claim 13,
The step of opening and managing the above-
An account number different from the account number of the parent account is allocated to the child account while dividing the parent account, and the account number of the child account is not exposed to the transaction details between the parent account and the child account Split management method. 14. The method of claim 13,
The step of opening and managing the above-
When the request for revocation of the parent account is received from the user, it is determined whether a child account corresponding to the parent account exists, and if the child account corresponding to the parent account exists, the parent account is not revoked. Way. 14. The method of claim 13,
The step of opening and managing the above-
If the request for canceling the account of the user is received from the user, transferring the deposit amount of the child account to the parent account, and then canceling the child account. 14. The method of claim 13,
In the step of opening and managing the above-
A plurality of child accounts are established with respect to the parent account according to the request of the user, and the deposit amount of the parent account and the deposit amount of each of the plurality of child accounts are managed separately.

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