KR102355842B1 - Banking Server and Method for Providing Installment Saving Banking Service using thereof - Google Patents

Abstract

A banking server according to an aspect of the present invention, which can graphically show the payment status of an savings account to a user who has opened an savings account, sets the savings cycle, the savings period, and the installment payment amount, and links with one of a plurality of advertisers A savings account opening unit that opens an established savings account, a first icon indicating the expected number of installment payments, and a second icon indicating the actual number of savings account payments and a reward providing unit that pays a reward provided by an advertiser associated with the savings account when the actual number of installment payments reaches a preset target value. At least one of the first icon and the second icon is an icon including information of an advertiser providing a reward.

Description

Banking Server and Method for Providing Installment Saving Banking Service using thereof

The present invention relates to a mobile banking service, and more particularly, to the provision of a savings service.

In general, commercial banks provide a variety of financial products, such as time deposits, free savings accounts, home installments, daily welfare savings accounts, and household checking accounts. Among them, savings savings are widely known as a means to make large sums of money or seed money to the general public.

This kind of savings account is a financial product in which a certain amount of money is deposited every specified day during the contract period. Accordingly, if the savings account remains valid until the contract period expires, a higher interest rate than other financial products is paid.

However, in general savings accounts, the contract period is long and the amount to be paid is large, and due to the nature of the non-withdrawal feature, it is not easy for customers who signed up for savings accounts to keep their savings accounts valid until the contract period expires. It also has high characteristics.

If the savings account is canceled prematurely, the customer will not be able to receive the contracted interest, and the bank that has provided financial products such as the savings account will have problems such as a loss of funds as well as a decrease in the number of customers.

The present invention is to solve the above problems, and it is a technical feature of the present invention to provide a savings account service providing system that can graphically show the payment status of the savings account to a user who has opened the savings account.

In addition, the present invention is a technical feature of the present invention to provide an savings account service providing system that can additionally provide a reward to the user who maintains the savings account until maturity.

In addition, the present invention is characterized in that it provides a system for providing a savings service that enables the advertiser to perform effective marketing by providing a user with a reward provided by the advertiser.

In order to achieve the above object, the banking server according to an aspect of the present invention sets the savings cycle, the savings period, and the installment payment amount, and sets up a savings account opening unit for opening an savings account linked with one of a plurality of advertisers, a savings account When the first icon indicating the expected number of payments and the second icon indicating the actual number of savings payments are used to provide the savings account status providing unit, and when the actual number of savings payments during the savings period reaches a preset target value and a reward providing unit that pays a reward provided by an advertiser linked to the savings account. At least one of the first icon and the second icon is an icon including information of an advertiser providing a reward.

A banking server according to another aspect of the present invention includes a savings account opening unit that opens an savings account based on the change value of the savings cycle, the savings period, the installment payment amount and the installment payment amount, and a first number corresponding to the planned number of installment payments and a savings account providing unit for providing the current savings account of the savings account by using the icon and the number of second icons corresponding to the number of actual savings account payments.

A method for providing an installment service according to another aspect of the present invention comprises the steps of setting a savings cycle, a savings period, and an installment payment amount, opening an savings account linked with one of a plurality of advertisers, and a first indicating the number of scheduled installment payments providing the current savings status of the opened savings account using an icon and a second icon indicating the actual number of savings accounts; Including the step of paying the reward provided by the.

The present invention is to solve the above problems, and it is possible to graphically show the payment status of the savings account to the user who opened the savings account, so that the user can enjoy the pleasure of maintaining the savings account. It has the effect of inducing them to continue to maintain.

In addition, the present invention can provide additional rewards to users who open savings accounts, thereby increasing the inflow of new users and maximizing motivation for users to maintain savings accounts. .

In addition, the present invention has an effect that, by providing the user with a reward provided by the advertiser, the advertiser can perform marketing for its own product through the savings service, thereby increasing the advertising effect.

1 is a diagram schematically showing a system for providing a savings service according to an embodiment of the present invention.
FIG. 2 is a view showing the banking server of FIG. 1 .
3A is a diagram showing an example of a savings account type selection page.
3B is a diagram showing an example of a first type savings account opening page.
3C is a view showing an example of an installment increase setting page for setting an installment payment amount and a reference value in the second type savings account.
4 is a view showing an example of a second type savings account status page.
5 is a diagram showing an example of a challenge completion page provided upon expiration of a second type savings account.
6A is a diagram showing another example of a savings account type selection page.
6B is a diagram illustrating an example of an advertiser selection page.
6C is a diagram illustrating another example of an advertiser selection page.
6D is a diagram illustrating an example of a personal information consent request page.
6E is a diagram illustrating an example of an account management page.
6F is a diagram showing an example of the first execution page after opening the second type savings account.
7A is a view showing another example of a second type savings account status page.
7B is a view showing another example of the second type savings account status page.
7C is a diagram illustrating an example of a second type savings account status page provided when the second type savings account expires.
7D is a diagram showing an example of a challenge completion page provided when the second type savings account expires.
7E is a diagram illustrating an example of a reward page including reward information for a second type savings account.
7f is a diagram showing an example of the second type savings account status information output in the advertiser's application.
8A is a diagram illustrating an example of an advertisement selection page provided on a second application.
8B is a diagram illustrating an example of a new campaign creation page provided on a second application.
8C is a diagram illustrating an example of a new advertisement group creation page provided on a second application.
8D is a diagram illustrating an example of an advertisement target setting page provided on a second application.
8E is a diagram illustrating an example of an advertisement method setting page provided on a second application.
9 is a flowchart illustrating a method for providing a savings service according to an embodiment of the present invention.

The meaning of the terms described in this specification should be understood as follows.

The singular expression is to be understood as including the plural expression unless the context clearly defines otherwise, and the terms "first", "second", etc. are used to distinguish one element from another, The scope of rights should not be limited by these terms.

It should be understood that terms such as “comprise” or “have” do not preclude the possibility of addition or existence of one or more other features or numbers, steps, operations, components, parts, or combinations thereof.

The term “at least one” should be understood to include all possible combinations from one or more related items. For example, the meaning of “at least one of the first, second, and third items” means 2 of the first, second, and third items as well as each of the first, second, or third items. It means a combination of all items that can be presented from more than one.

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

1 is a diagram schematically showing a system for providing a savings service according to an embodiment of the present invention.

The savings account service providing system 100 shown in FIG. 1 provides a savings account service to the user. To this end, as shown in FIG. 1 , the savings service providing system 100 includes a user terminal 10 and a banking server 200 . In one embodiment, the savings service providing system 100 may further include an advertiser terminal 250 and an advertiser server 260 . In another embodiment, the savings service providing system 100 may further include an advertisement server 270 .

The user terminal 10 interworks with the banking server 200 to provide a savings service to the user. To this end, a first banking service providing application (not shown, hereinafter referred to as a 'first application') is installed in the user terminal 10 . The first application may be downloaded through an online market such as an app store and installed in the user terminal 10 or may be installed when the terminal is manufactured by a terminal manufacturer.

The first application receives a page from the banking server 200, and provides the provided page to the user.

Specifically, the first application transmits the banking processing request to the banking server 200 through the page provided from the banking server 200, so that the banking processing request requested from the user is processed by the banking server 200 .

For example, in the first application, a request for opening a savings account may be input by the user through a page provided from the banking server 200 . The first application may transmit a request for opening an savings account to the banking server 200 , and may provide pages for providing a savings account service provided from the banking server 200 to the user. The first application may transmit information input through the corresponding pages to the banking server 200 .

The banking server 200 provides pages for banking business on the first application installed in the user terminal 10 so that the user can process the banking business. In particular, the banking server 200 according to the present invention may provide pages for providing the savings service to the user.

When a request for opening an savings account is received from the first application through the service guide page for subscription to the savings service, the banking server 200 provides the savings account opening page to the user. The banking server 200 may open an savings account based on the information input on the savings account opening page by the user.

Although the banking server 200 may provide various banking services in addition to the savings service, in the present invention, only the content related to the savings service will be described for convenience of description.

The banking server 200 includes a savings service provider 210 and a database 220 to provide the savings service as described above.

The savings service providing unit 210 may provide pages for providing the savings service through the first application installed in the user terminal 10 , and may provide the savings service according to information input through the pages for providing the savings service. .

The savings service providing unit 210 includes an savings account opening unit 212 and an savings account providing unit 214 , and in one embodiment, may further include a reward providing unit 216 .

When a request for opening an savings account is received from the first application through the intro page, the savings account opening unit 212 opens an savings account based on the savings period, the amount to be paid, and the savings cycle.

In an embodiment, the savings account opening unit 212 may provide a savings account type selection page for selecting the type of savings account. In an embodiment, the savings account type may include at least one of a first type savings account and a second type savings account.

The first type savings account refers to an savings account in which the user can deposit the desired amount to be paid during the savings period desired by the user at every savings cycle desired by the user. Here, the savings period means the period from the opening date of the type 1 savings account to the maturity date of the type 1 savings account, the installment payment amount means the amount agreed to be regularly deposited into the type 1 savings account, and the savings cycle is It refers to the cycle from depositing the installment payment amount until the next installment payment amount is deposited. In this case, the installment period, the installment payment amount, and the installment savings period may be set by the user through the first application.

In a typical bank, the savings period, the amount to be paid for the savings account, and the savings cycle are set by the bank. Alternatively, although general banks allow users to set the savings period, installment payment amount, and installment cycle of the savings account, the settings are allowed only within a very limited range, so the user's choice of savings products is limited. none.

However, in the first type savings account opened by the savings account opening unit 212 according to the present invention, the user can freely set all of the savings period, the amount to be paid, and the savings cycle, thereby providing customized financial products to the user. have.

The second type savings account refers to an savings account that deposits the installment payment amount selected by the user according to the pre-determined savings cycle during the pre-determined savings period, but can increase or decrease the amount to be paid by the changed value whenever the savings cycle elapses. do. In this case, the installment payment amount and the change value may be set by the user through the first application.

As an example, the savings account opening unit 212 may provide the user with a savings account type selection page as shown in FIG. 3A . When the user selects the first type savings icon 310 that is output on the savings account type selection page through the first application, the savings account opening unit 212 opens the first type savings account as shown in FIG. 3B . An opening page is provided.

In this case, the user may set the savings period of the first-type savings account by dragging the scroll icon 320 left and right on the first-type savings account opening page. Alternatively, the user may set the savings period of the first type savings account through a calendar (not shown) that is output by selecting the direct setting icon 330 . In addition, the user may set the savings cycle by selecting the savings cycle selection icon 340 , and may set the installment payment amount by inputting a desired amount into the amount input icon 350 .

When the savings period, the installment payment amount, and the savings cycle are set by the user, the savings account opening unit 212 opens a first type savings account for the corresponding user based on information input through the page.

Referring again to FIG. 3A , when the user selects the second type savings icon 315 , the savings service providing unit 210 may output a savings increase setting page as illustrated in FIG. 3C .

For example, if the change value is set to 1,000 won by the user, the savings account opening unit 212 may increase the installment payment amount to be paid weekly by 1,000 won.

When the installment payment amount is set by the user, the savings account opening unit 212 opens a second type savings account for the corresponding user.

In the above-described embodiments, the savings account opening unit 212 may allow opening of the first type or the second type savings account only to users who hold other accounts. For example, the savings account opening unit 212 determines whether the user who has requested to open the savings account through the first application is a user holding another account. The savings account opening unit 212 may induce the opening of a new account by outputting an account opening page for opening a new account when it is determined that the user who requested to open the savings account is a user who does not have another account. On the other hand, when it is determined that the savings account opening unit 212 is a user who holds an account, by providing a savings account type selection page through confirmation of log-in information, it is possible to allow the savings account subscription.

As described above, according to the present invention, the savings account opening unit 212 allows only users who have other accounts, thereby simplifying the self-authentication process required when opening an savings account, thereby increasing the convenience of users who want to open an savings account. can be increased

When the opening of the savings account is completed by the savings account opening unit 212 , the savings account providing unit 214 provides the savings account on the first application.

For convenience of explanation, the following description will be made assuming that the savings account period is 26 weeks, the savings cycle is set to 1 week, and the installment payment amount and change value are set to 1,000 won.

The savings account status providing unit 214 may provide the savings account status by using a first icon representing the expected number of installment payments and a second icon representing the actual number of savings account payments.

As an example, as shown in FIG. 4 , the savings status providing unit 214 may provide a savings status page including a first area 410 and a second area 420 on the first application. In the first area 410, the number of first icons 413 corresponding to the scheduled number of installment payments may be output, and each time a deposit event occurs to the savings account according to the savings cycle, a second icon 414 may be output. . In this case, each of the first icons 413 may be mapped to each installment payment cycle. Whenever a deposit event occurs in the savings account, the second icon 414 may be output to overlap the first icon 413 mapped to the corresponding installment payment cycle.

As described above, according to the present invention, the first icon 413 and the second icon 414 are not recognized as separate icons by overlapping the second icon 414 on the first icon 413 and outputting the two icons 413 . , 414) are combined so that it can be recognized as a third icon having a single new meaning.

For example, when the first icon is in the form of a seat and the second icon is in the form of a character, it may be recognized as a third icon form having a new meaning in the form of a character seated on the seat by combining them.

The savings account providing unit 214 determines the expected number of installment payments based on the savings cycle and the savings period of the savings account, and includes a number of first icons 413 corresponding to the determined expected number of installment payments. can provide In addition, the savings account providing unit 214 may provide a savings account page including the number of second icons 414 corresponding to the number of occurrences of the deposit event into the savings account.

In FIG. 4 , since the savings period is 26 weeks and the savings cycle is 1 week, the first area 410 of the savings account page may include 26 first icons 413 . Also, the first area 410 of the savings account page may include five second icons 414 when a deposit event corresponding to the first to fifth times occurs, respectively. In this case, each of the five second icons may overlap on the first icon 413 mapped to the corresponding installment payment cycle.

In one embodiment, the savings account providing unit 214 may randomly select any one of a plurality of character shapes stored in the database 220 and determine the second icon 414 .

In another embodiment, the savings status providing unit 214 may determine a character set by the user through the first application as the second icon 414 . For example, the savings account opening unit 212 may provide the user with a second icon setting page for selecting any one of a plurality of characters during the savings account opening process. The savings account opening unit 212 may set the character set by the user as the second icon through the second icon setting page.

In another embodiment, the savings current state providing unit 214 may obtain the character selected by the user when issuing the card from the database 220 and determine the second icon 414 . For example, the user can select a desired character when signing up for savings account, and the savings account status providing unit 214 uses a plurality of shapes (eg, different fashions, postures, accessories, etc.) stored for the character selected by the user according to a preset rule. can be displayed.

The savings account providing unit 214 may output the second icon 414 of the same shape whenever a deposit event occurs, but the present invention is not limited thereto. In another embodiment, each time the number of deposit events generated according to the savings cycle exceeds the reference number or the amount of the savings account exceeds the reference amount, the savings account status providing unit 214 sets the type of the second icon 414 or You can change the color.

In addition, the installment status providing unit 214 changes the background of the first area 410 whenever the number of deposit events generated according to the savings cycle exceeds the standard number or the total amount of the installment payment exceeds the standard amount. Alternatively, the type or color of the first icon 413 may be changed.

Meanwhile, when a deposit event does not occur according to the savings cycle or an amount less than the agreed installment payment amount is deposited, the savings account status providing unit 214 may not output the second icon 414 .

For example, if the nth deposit event does not occur in the nth savings cycle and the nth deposit event occurs in the n+1st savings cycle, it can be determined that the nth deposit event corresponds to the n+1st deposit event. . The savings status providing unit 214 does not overlap and output the second icon 414 on the first icon 413 corresponding to the nth installment cycle, but on the first icon corresponding to the n+1st installment cycle. A second icon 414 corresponding to the n+1 second deposit event may be output. Accordingly, the second icon 414 may be output in an empty state without overlapping on the n-th first icon 413 .

In one embodiment, when a deposit event does not occur in the savings account according to the savings cycle or when the agreed amount of money is deposited in the savings account, the savings account providing unit 214 displays a second icon 414 in a different form from that of the second icon 414 . 4 icons may be overlapped and output on the first icon 413 .

Meanwhile, in the first area 410 , in addition to the first icon 413 and the second icon 414 , the current savings cycle 417 and the total amount of the current savings payment amount 418 may be additionally output. For example, as shown in FIG. 4 , the current installment cycle 417 may be output as “Week 5 in progress”, and when the installment payment amount is 1000 won, the total amount of the installment installment payment 418 is 5 Since it has been deposited once, it can be printed as "15000 won".

When a deposit event occurs in the second area 420 according to the savings cycle, information recording the deposit event may be output in text form. In addition, in the second area 420 , if a deposit event does not occur according to the savings cycle, information indicating that the deposit event does not occur may be output in text form.

As described above, the savings account according to the present invention sets the action of deposit payment during the savings period as a mission to be accomplished by the user, and sets the second icon 414 to the first icon 413 whenever a deposit event occurs according to the savings cycle. ) can be overlapped. The savings account according to the present invention can graphically show the process in which the user completes the mission, so that the user can perform the savings as if he were playing a game. Accordingly, the present invention has the effect that it is possible not only to stimulate the user's interest in saving money, but also to motivate the user to maintain the savings account.

The savings account status providing unit 214 may share the savings account status page with other users according to the user's sharing request input through the first application. In this case, the savings account providing unit 214 may create a savings account page in a predetermined format and share it with other users through a Social Network System (SNS) application or a Short Message Service (SMS) application.

The savings account status providing unit 214 according to the present invention has the effect of being able to share the savings account status page with other users and motivating the savings account maintenance.

The reward providing unit 216 may provide a challenge completion page as shown in FIG. 5 when all deposits of the installment amount to the savings account according to the savings cycle are completed during the savings period.

In one embodiment, the reward providing unit 216 may additionally provide a reward to the user in addition to interest on the total amount of the installment payment. In this case, rewards that can be used in other SNS (Social Network System) applications, such as emoticons, may be provided.

In one embodiment, the reward providing unit 216 may provide a reward when the actual number of savings payments during the savings period becomes a preset target value. In this case, the target value may include a plurality of values within the predetermined number of installment payments.

For example, the target value of the savings account in which the planned number of installment payment is 26 may be set to 10, 20, or 26. The reward providing unit 216 may provide the first reward when the number of times the deposit event occurs according to the savings cycle, ie, the actual number of deposit payments reaches 10. Also, the reward providing unit 216 may provide a second reward when the actual number of installment payment reaches 20, and may provide a third reward when the actual number of installment payment reaches 26. In this case, the first reward, the second reward, and the third reward may be the same or different from each other.

The reward providing unit 216 according to the present invention provides a reward according to the actual deposit payment, thereby giving the user a motivation for maintaining the savings and completing the savings.

The database 220 stores information to be provided to the savings service providing unit 210 . In one embodiment, the information stored in the database 220 includes login information for a user to access the first application, information about the first and second icons 413 and 414, user information, and the user's information. Card usage history, etc. may be stored.

Meanwhile, in the above-described embodiment, it has been described that the savings service providing unit 210 directly pays a reward to the user in addition to interest on the total amount of the savings payment amount. However, in a modified embodiment, the reward provided by the savings service providing unit 210 may be a reward provided by an advertiser. To this end, the savings service providing system 100 may further include an advertiser terminal 250 and an advertiser server 260 as described above.

Hereinafter, a modified embodiment will be described and the same content will be omitted.

It will be described in detail that the savings account service provider 210 opens an savings account according to a modified embodiment with reference to FIGS. 6A to 6F .

As shown in FIG. 6A , the savings account opening unit 212 provides the savings account type selection page to the user terminal 10 through the first application. At this time, unlike the second type savings account icon 315 provided on the savings account selection page shown in FIG. 2 , a reward is provided to the second type savings account icon 610 provided on the savings account type selection page according to the modified embodiment. Advertiser information 615 may be additionally included.

According to an embodiment, the advertiser information 615 to be included in the second type savings account icon 610 may be changed according to a predetermined order. For example, when there are a plurality of advertisers, the information 615 of the plurality of advertisers may be sequentially included in the second type savings account icon 610 according to a predetermined order and provided through the savings account type selection page.

In FIG. 6A, advertiser information 615 is additionally included only in the second type savings account icon 610, but the present invention is not limited thereto. In another embodiment, the savings service providing unit 210 may additionally provide a reward in addition to interest on the total amount of the savings account for the first type savings account. In this case, the savings account opening unit 212 may additionally include information about an advertiser who will provide a reward to the first type savings account icon.

When the user selects the second type savings account icon 610, the savings account opening unit 212, as shown in FIG. 6b, allows the user to select an advertiser who provides a reward to be paid from among the advertisers who provide a reward. You can provide a selection page.

Alternatively, when the user selects the second type savings account icon 610, the installment payment amount increase setting page is provided as shown in FIG. 2C above, and when the changed value is set accordingly, the savings account opening unit 212 opens the first Two types of savings accounts can be opened. When the second type of savings account opening is completed, the savings account opening unit 212 displays an advertiser selection page through which the user can select an advertiser who provides a reward to be paid from among the advertisers who provide rewards, as shown in FIG. 6c . can provide

In this case, each of the advertisers included in the advertiser selection page may correspond to a savings product associated with the corresponding advertiser. For example, on the advertiser selection page, book mall B, which is a book seller, may be displayed. When the user selects the B book mall among a plurality of advertisers displayed on the advertiser selection page, the user may correspond to selecting a savings product associated with the B book mall.

In one embodiment, the savings account opening unit 212 may provide a different advertiser selection page for each user. According to this embodiment, the savings account opening unit 212 analyzes the age, gender, region, consumption pattern, etc. of the user stored in the database 220, and the advertiser who provides the most suitable reward to the user among a plurality of rewards An included advertiser selection page may be provided.

Specifically, the savings account opening unit 212 analyzes the user's preference based on the user's card usage details stored in the database 220, and provides the most suitable reward to the user from among a plurality of rewards based on the preference analysis result It is possible to provide an advertiser selection page including the preferred advertisers.

For example, as shown in FIG. 6B , when it is determined that the proportion of cultural life among the user's card usage details stored in the database 220 is high, the savings account opening unit 212 provides the user with a movie provider such as movie theater A. may provide an advertiser selection page including rewards paid by

For another example, as shown in FIG. 6C , when it is determined that the proportion of books in the user's card usage history stored in the database 220 is high, the savings account opening unit 212 sells books such as B book mall to the user. It is possible to provide an advertiser selection page including a reward paid by the company.

In another embodiment, the savings account opening unit 212 may provide the same advertiser selection page to all users.

When an advertiser is selected by the user, the savings account opening unit 212 connects the selected advertiser's advertiser server 260 and the corresponding savings account.

More specifically, when an advertiser is selected by the user, the savings account opening unit 212 may provide a personal information consent request page for requesting consent to provide personal information to the selected advertiser as shown in FIG. 6d . . In this case, the personal information provided to the advertiser is information of a user who wants to or has opened an savings account, and may include, for example, an email address, phone number, gender, age, birthday, profile image, and the like.

The personal information consent request page provided by the savings account opening unit 212 may include an advertiser connection icon 620 . When the user selects the advertiser connection icon 620 of the personal information consent request page through the first application, the savings account opening unit 212 is an application (not shown) provided by the advertiser to the user terminal 10 through the first application. , hereinafter referred to as 'advertiser application') may be called.

The user may input login information into the advertiser application called on the user terminal 10 . When the login is successful, the user terminal 10 may be switched from the advertiser application to the first application. In this case, the savings account opening unit 212 may receive a login message including customer identification information of the advertiser from the advertiser server 260 through the advertiser application and the first application installed in the user terminal 10 . Here, the customer identification information of the advertiser may correspond to the information of the user who wants to open a savings account or has opened a savings account through the banking server 200 . The savings account opening unit 212 may map the user information of the savings account and the advertiser's customer identification information and store it in the database 220 .

The savings account opening unit 212 may provide the advertiser server 260 with user information corresponding to the advertiser's customer identification information.

As described above, the savings account opening unit 212 according to the present invention may connect the advertiser server 260 of the advertiser selected by the user and the savings account opened by the user. As shown in FIG. 6E , the user may check information 640 about the advertiser connected to his or her savings account on a separate account management page provided through the first application, and may maintain or release the connection.

When the first application is first executed by the user who opened the second type savings account according to the modified embodiment, the savings account providing unit 214 may provide an initial execution page as shown in FIG. 6F . Information 630 on the second type savings account may be output on the first execution page. In this case, the information 630 on the second type savings account may include information 632 on the advertiser providing the reward.

When the information 630 about the second type savings account is selected on the first execution page, the savings account providing unit 214 may provide the second type of savings account to the user as shown in FIG. 7A . At this time, only the first icon 713 is output, and the second icon 714 is not output because the deposit event does not occur on the second type savings account status page shown in FIG. 7A .

Thereafter, when a deposit event occurs, the deposit status providing unit 214 may output the first icon 713 by overlapping the second icon 714 as shown in FIG. 7B . In this case, the first icon 713 or the second icon 714 may be set as an emoticon including information about an advertiser providing a reward. 7B shows the second type of savings account status page provided when movie theater A is selected as an advertiser, so the savings status providing unit 214 is mapped to movie theater A from the database 220 in the form of a character in the form of a second It is illustrated that the icon 714 is selected and displayed on the first area 710 . As another example, the savings account providing unit 214 may provide a second icon 714 in the form of a character being read when a book seller is selected as the advertiser.

In the above-described embodiment, the background of the first icon 713 or the first area 710 may also include information about advertisers providing rewards. As an example, when movie theater A is selected as the advertiser, the savings status providing unit 214 selects the first icon 713 in the form of a movie theater seat mapped to movie theater A from the database 220 and appears on the first area 710 . can be displayed in Also, in addition to the icons 713 and 714 in the first area 710 , an image related to the advertiser may be displayed on the background screen.

As such, the first area 710 itself through a display that reflects the characteristics of the advertiser on the first area page indicating the current savings account (eg, in the case of a movie theater that provides a 'movie service', a movie-related icon or background, etc.) can act like a billboard, provide information on the current state of savings, and can produce advertising effects.

In an embodiment, the savings account providing unit 214 may share the second-type savings account with other users according to a user's request for sharing input through the first application. In this case, the savings account status providing unit 214 may create the second type savings account status page as a message in a predetermined format and share it with other users through a Social Network System (SNS) application or a Short Message Service (SMS) application. According to this embodiment, the savings status providing unit 214 may further include an advertisement image related to an advertiser who provides a reward in the message to be provided.

In one embodiment, when the second-type savings account is opened according to the modified embodiment, the savings account providing unit 214 may transmit the second-type savings account information to the advertiser server 260 of the corresponding advertiser.

According to this embodiment, the advertiser server 260 outputs the second type savings account information 750 in the advertiser's website or application output by the advertiser server 260 as shown in FIG. 7f, The user can also check the second type savings account information 750 in the advertiser site or application.

When a request for providing a savings account including customer identification information of an advertiser is received from the advertiser server 214, the savings account providing unit 214 searches the database 220 for user information mapped with the advertiser's customer identification information. have. The savings account providing unit 214 may provide the second type of savings account information corresponding to the searched user information to the advertiser server 260 . That is, the advertiser application may also provide the user with savings account status information (eg, product provider (banking) information, reward information, payment cycle information, balance information, etc.).

In another embodiment, when an advertiser is selected on the advertiser selection page by the user and a second type savings account is opened, the savings account providing unit 214 sends an API (Application Programming Interface) to the advertiser server 260 of the corresponding advertiser. By providing, the second type savings account payment status information may be output in the advertiser website or application output by the advertiser server 260 . In this case, the user may be a user authenticated by logging into the advertiser application. As the banking server 200 provides an API to the advertiser server 260 for the authenticated user, the user can check the savings account information in the advertiser application.

As described above, the savings account providing unit 214 according to the present invention can not only serve as an advertisement inventory that can be spread to an external platform, but can also maximize the motivating effect for maintaining savings.

The reward providing unit 216 may provide the user with interest according to the amount of the savings account in the second type savings account, and at the same time provide additional rewards provided by the advertiser selected by the user in addition to the interest.

When the reward providing unit 216 completes all deposits according to the savings cycle during the savings period set for the second type savings account according to the modified embodiment, the second type savings account status page as shown in FIG. 7C . may be provided, and accordingly, a challenge completion page including a reward providing icon 720 as shown in FIG. 7D may be provided.

When the user selects the reward providing icon 720 through the first application, the reward providing unit 216 includes reward information 730 provided by the advertiser selected in the step of opening an savings account by the user as shown in FIG. 7e . You can provide a rewarded page. In this case, the reward page may include a reward use icon 740 so that the user can use the corresponding reward on the advertiser's website or application.

When the user selects the reward use icon 740 through the first application, the reward providing unit 216 may allow the advertiser's website or application to be output to the user terminal 10 . In this case, the reward providing unit 216 may use the customer identification information stored in the database 220 so that the advertiser's website or application can be output in a logged-in state. Also, the reward providing unit 216 may transmit reward information of the user who has completed the challenge to the advertiser server 260 .

In one embodiment, the reward providing unit 216 may provide a reward when the actual number of savings payments during the savings period becomes a preset target value. In this case, the target value may include a plurality of values within the predetermined number of installment payments.

For example, the target value of the savings account in which the planned number of installment payment is 26 may be set to 10, 20, or 26. The reward providing unit 216 may provide the first reward when the number of times the deposit event occurs according to the savings cycle, ie, the actual number of deposit payments reaches 10. Also, the reward providing unit 216 may provide a second reward when the actual number of installment payment reaches 20, and may provide a third reward when the actual number of installment payment reaches 26. In this case, the first reward, the second reward, and the third reward may be the same or different from each other.

Meanwhile, in the above-described embodiments, it has been described that the savings service providing unit 210 pays a reward to the second type savings account, but the present invention is not limited thereto. The savings service providing unit 210 may also pay a reward to the first type savings account as described above.

Again, referring to FIG. 1 , the savings service providing system 100 may further include an advertisement server 270 . Hereinafter, the advertisement server 270 is described as a separate server physically separated from the banking server 200, but is not necessarily limited thereto. Functions performed by the advertisement server 270 to be described below may be performed by the banking server 200 .

However, for convenience of explanation, it is assumed that the advertisement server 270 and the banking server 200 are separated.

The advertisement server 270 may provide advertisement setting pages for advertisement setting to the advertiser through a second banking service providing application (not shown, hereinafter referred to as a 'second application') installed in the advertiser terminal 250 . Specifically, the advertisement server 270 may provide advertisement setting pages for selecting an advertisement target by selecting age, gender, region, and consumption pattern through the second application.

For example, as shown in FIG. 8A , the advertisement server 270 may provide an advertisement selection page for selecting whether to provide display advertisements or message advertisements to the advertiser on the second application. When the advertiser selects either the display advertisement or the message advertisement through the second application, the advertisement server 270 may provide a new campaign creation page for setting the purpose of the advertisement.

When the purpose of the advertisement is set by the advertiser, the advertisement server 270 may provide a new advertisement group creation page for setting the advertisement target as shown in FIG. 8C . Also, the advertisement server 270 may provide an advertisement target setting page for setting a segmented advertisement target as shown in FIG. 8D .

In one embodiment, the advertisement server 270 may provide a page containing information analyzed on consumption patterns for each age group based on the card usage contents stored in the database. Through this, the advertiser can set the advertisement target according to the analyzed consumption pattern.

When an advertisement target is set by the advertiser, the advertisement server 270 may provide an advertisement method setting page for setting an advertisement method such as an advertisement amount and an advertisement period as shown in FIG. 8E .

When advertisement setting by the advertiser is completed, the advertisement server 270 may transmit advertisement setting information set by the advertiser and information on a reward to be provided by the advertiser to the banking server 200 .

The advertiser terminal 250 may work with the advertisement server 270 to set advertisement setting information and a reward to be provided by the advertiser to the advertisement server 270 . To this end, the second application is installed in the advertiser terminal 20 . The second application may receive advertisement setting information from the advertiser and transmit it to the advertisement server 270 . For example, the second application provides an advertisement setting page provided from the advertisement server 270 to the advertiser, and transmits advertisement setting information input through the page to the advertisement server 270 .

The advertisement server 270 transmits advertisement setting information and information on a reward to be provided by the advertiser to the banking server 200 , so that advertisements can be made to users targeted by the advertisement server 270 .

As such, the banking server 200 according to the present invention provides a reward provided by the advertiser to the user who maintains the savings account until the expiration date, so that the user can receive additional rewards in addition to the interest on the savings account, as well as the advertiser It has the effect of performing effective marketing by providing rewards to targeted customers.

In the above-described embodiment, it has been described that the banking server 200 provides a reward only for the second type savings account, but this is only one embodiment, and a reward may also be provided for the first type savings account.

Also, in the above-described embodiment, the advertiser terminal 250 interworks with the advertisement server 270 to set advertisement setting information and a reward to be paid by the advertiser to the advertisement server 270, but the present invention is not limited thereto. In another embodiment, the advertiser terminal 250 may work with the banking server 200 to set advertisement setting information and a reward to be paid by the advertiser to the banking server 200 . To this end, the second application may be installed in the advertiser terminal 250 . The second application receives advertisement setting information from the advertiser and transmits it to the banking server 200 , thereby making it possible to advertise to a user targeted by the banking server 200 . For example, the second application may provide an advertisement setting page provided from the banking server 200 to the advertiser, and transmit advertisement setting information input through the page to the banking server 200 .

9 is a flowchart schematically illustrating a method for providing a savings service according to an embodiment of the present invention.

The banking server 200 opens an savings account when a request for opening an savings account is received from the user terminal 10 through the first application.

Specifically, the banking server 200 receives a request for opening a savings account from the user terminal 10 through the first application (S901). The banking server 200 may receive a request for opening a savings account through the intro page from the first application.

Next, the banking server 200 allows the user to select the savings account type through the first application (S902).

Specifically, the banking server 200 may provide a savings account type selection page for selecting the savings account type to the user terminal 10 . In an embodiment, the savings account type may include at least one of a first type savings account and a second type savings account.

The first type savings account refers to an savings account in which the user can deposit the desired amount to be paid during the savings period desired by the user at every savings cycle desired by the user. Here, the savings period means the period from the opening date of the type 1 savings account to the maturity date of the type 1 savings account, the installment payment amount means the amount agreed to be regularly deposited into the type 1 savings account, and the savings cycle is It refers to the period from depositing the installment payment amount until the next installment payment amount is deposited. In this case, the installment period, the installment payment amount, and the installment savings period may be set by the user through the first application.

The second type savings account refers to an savings account that deposits the installment payment amount selected by the user according to the pre-determined savings cycle during the pre-determined savings period, but can increase or decrease the amount to be paid by the changed value whenever the savings cycle elapses. do. In this case, the installment payment amount and the change value may be set by the user through the first application.

The banking server 200 may omit the step of selecting the savings account type when there is only one savings account type.

Next, when the savings account type is selected by the user, the banking server 200 sets the savings condition of the savings account selected by the user through the first application (S903).

Specifically, when the user selects the first type savings account, the banking server 200 may provide the first type savings account opening page to the user terminal 10 . The first-type savings account opening page has a savings period setting icon for setting the savings period of the first-type savings account, a savings cycle setting icon for setting the savings period of the first-type savings account, and a savings account in the first-type savings account It may include an installment payment amount setting icon that can set the payment amount. The user can set the savings period, the savings cycle, and the installment payment amount of the first type savings account by using the savings period setting icon, the savings cycle setting icon, and the installment payment amount setting icon.

Meanwhile, when the user selects the second type savings account, the banking server 200 may provide the second type savings account opening page to the user terminal 10 . The second type savings account opening page may include an installment payment setting icon for setting the installment payment amount and a change value icon for setting a change value of the installment payment amount. In some cases, the installment payment amount setting icon and the changed value icon may be provided on different pages.

Next, when the savings condition for the savings account is set, the banking server 200 allows the user to select one of a plurality of savings products associated with each of a plurality of advertisers who provide rewards through the first application ( S904).

Specifically, the banking server 200 may provide the user terminal 10 with an advertiser selection page through which the user can select an advertiser who provides a reward to be paid among advertisers who provide a reward. In this case, each of the advertisers displayed on the advertiser selection page may correspond to a savings product associated with the corresponding advertiser. For example, on the advertiser selection page, book mall B, which is a book seller, may be displayed. When the user selects the B book mall among a plurality of advertisers displayed on the advertiser selection page, the user may correspond to selecting a savings product associated with the B book mall. In one embodiment, the banking server 200 A different advertiser selection page may be provided for each user. According to this embodiment, the banking server 200 analyzes the age, gender, region, consumption pattern, etc. of the user stored in the database 220 and includes an advertiser who provides the most suitable reward to the user among a plurality of rewards. An advertiser selection page may be provided.

Specifically, the banking server 200 analyzes the user's preference based on the user's card usage history stored in the database 220, and based on the preference analysis result, a preference that provides the most suitable reward to the user among a plurality of rewards An advertiser selection page including advertisers may be provided.

In another embodiment, the banking server 200 may provide the same advertiser selection page to all users.

Next, when the user selects an advertiser or a savings product associated with the advertiser, the banking server 200 connects the selected advertiser's advertiser server 260 with the corresponding savings account (S905).

Specifically, the banking server 200 may provide a personal information consent request page for requesting consent to provide personal information to the advertiser when an advertiser or a savings product associated with the advertiser is selected by the user. In this case, the personal information provided to the advertiser is information of a user who wants to or has opened an savings account, and may include, for example, an email address, phone number, gender, age, birthday, profile image, and the like.

The personal information consent request page provided by the banking server 200 may include an advertiser connection icon. When the user selects the advertiser connection icon of the personal information consent request page through the first application, the banking server 200 may call the application or website provided by the advertiser to the user terminal 10 through the first application. .

When the user inputs account information into the advertiser application or website called on the user terminal 10 and login is successful, the user terminal 10 may be switched from the advertiser application or website to the first application. In this case, the banking server 200 may receive the advertiser's customer identification information corresponding to the account information input through the application or website from the advertiser server 260 through the user terminal 10 . Here, the customer identification information of the advertiser may correspond to the information of the user who wants to open a savings account or has opened a savings account through the banking server 200 . Although it is described that the reward is provided by the advertiser in FIG. 9 , it is not necessarily limited thereto. In another embodiment, the banking server 200 may provide a reward directly, in this case, S904 and S905 may be omitted.

Next, the banking server 200 completes the savings account opening (S906).

Specifically, the banking server 200 completes the opening of the savings account, and stores the completed savings account information in the database 220 . At this time, the savings account information may include the type of savings account, the conditions of the savings account, the user information who opened the savings account, the customer identification information of the advertiser provided from the advertiser server 260, and reward information including the type of reward and the conditions for providing the reward. have.

The banking server 200 may provide some of the information of the corresponding savings account to the advertiser server 260 . For example, the banking server 200 may provide information about a user who has opened a savings account to the advertiser server 260 .

The banking server 200 may match and manage the customer identification information of the advertiser selected by the user and the information of the user who has opened a savings account. That is, the banking server 200 may connect the advertiser server 260 of the advertiser and the corresponding savings account by sharing the user information that has opened a savings account and the customer identification information of the advertiser with the advertiser server 260 .

On the other hand, when the banking server 200 receives a request for providing the savings account status from the user terminal 10 through the first application, the banking server 200 provides the savings account status.

Specifically, the banking server 200 receives a request for providing the savings account status from the user terminal 10 through the first application (S907).

The banking server 200 may provide the first execution page when the first application is first executed by the user who opened the savings account. The first execution page may include information on at least one savings account. In this case, the information on the savings account may include information on the advertiser who provides the reward.

When one of the at least one savings account is selected by the user on the first execution page, the banking server 200 may receive a request for providing the savings account for the savings account.

Next, when the banking server 200 receives a request for providing the savings account from the user terminal 10 through the first application, the banking server 200 provides the savings account page to the user terminal 10 (S908).

More specifically, the banking server 200 may provide the current savings account of the corresponding savings account by using a first icon indicating the expected number of installment payment plans and a second icon indicating the actual number of savings account payment.

The banking server 200 may provide a savings account page including a first area and a second area on the first application. The first area may include a number of first icons corresponding to the scheduled number of installment payments, and may include a second icon whenever a deposit event occurs to the savings account according to the savings cycle. In this case, each first icon may be mapped to each installment payment cycle. Whenever a deposit event occurs in the savings account, the second icon may be overlapped on the first icon mapped to the corresponding installment payment cycle. In this case, the first icon and the second icon are not recognized separately, but the first icon and the second icon are combined to be recognized as a third icon having a single new meaning.

For example, when the first icon is in the form of a seat and the second icon is in the form of a character, it may be recognized as a third icon form having a new meaning in the form of a character seated on the seat by combining them.

In an embodiment, the banking server 200 may determine an advertisement character including information of an advertiser providing a reward as the second icon. For example, when movie theater A is selected as the advertiser, the banking server 200 may select a second icon in the form of a character currently watching a movie mapped to movie theater A from the database 220 . For another example, when a book seller is selected as the advertiser, the banking server 200 may select a second icon in the form of a character being read mapped to the book seller from the database 220 .

In another embodiment, the banking server 200 may randomly select any one of a plurality of character shapes stored in the database 220 to determine the second icon.

In another embodiment, the banking server 200 may determine the character set by the user through the first application as the second icon. For example, the savings account opening unit 212 may provide the user with a second icon setting page for selecting any one of a plurality of characters during the savings account opening process. The banking server 200 may set the character set by the user as the second icon through the second icon setting page.

In another embodiment, the banking server 200 may acquire the character selected by the user when issuing the card from the database 220 and determine it as the second icon.

Also, the banking server 200 may output a second icon of the same shape whenever a deposit event occurs, but is not limited thereto. In another embodiment, the banking server 200 may change the type or color of the second icon whenever the number of deposit events generated according to the savings cycle exceeds the reference number or the amount of deposit exceeds the reference amount. have.

In addition, the banking server 200 changes the background of the first area or changes the background of the first area whenever the number of deposit events generated according to the savings cycle exceeds the standard number of times or the total amount of installment payment exceeds the standard amount You can also change the type or color.

On the other hand, the banking server 200 may not provide the second icon when a deposit event does not occur according to the savings cycle or when an amount less than the agreed installment payment amount is deposited.

Next, the banking server 200 provides a reward to the user terminal 10 when the actual number of installment payments during the savings period reaches a preset target value (S909 and S910).

Specifically, the banking server 200 may provide a challenge completion page including a reward provision icon when all deposits of the installment payment amount are completed according to the savings cycle during the savings period set for the corresponding savings account.

When the user selects the reward providing icon through the first application, the banking server 200 may provide a reward page including the reward information provided by the advertiser selected by the user in the step of opening a savings account.

In an embodiment, the reward page may include a reward use icon so that the user can use the corresponding reward in the advertiser's website or application.

When the user selects the reward use icon through the first application, the banking server 200 may allow the advertiser's website or application to be output to the user terminal 10 . In this case, the banking server 200 may use the customer identification information stored in the database 220 so that the advertiser's website or application can be output in a logged-in state. In addition, the banking server 200 may transmit reward information of the user who has completed the challenge to the advertiser server 260 .

Those skilled in the art to which the present invention pertains will understand that the above-described present invention may be embodied in other specific forms without changing the technical spirit or essential characteristics thereof.

For example, the functions performed by the banking server shown in FIG. 1 may be implemented in the form of an application or a program such as an agent. When functions performed by the banking server are implemented as programs. Codes for implementing a specific function may be implemented as one program, or a plurality of programs may be divided and implemented, some of the programs are installed in the banking server, and some of the programs are installed in the user terminal or the advertiser terminal. it might be

Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

10: user terminal 200: banking server
210: savings account service provider 212: savings account opening department
214: Savings status providing unit 216: Rewards providing unit
220: database 250: advertiser terminal
260: advertiser server 270: advertisement server

Claims (22)

a savings account opening unit that sets a savings cycle, a savings period, and an installment payment amount, and opens a savings account associated with one of a plurality of advertisers;
a savings account providing unit for providing the current state of savings in the savings account by using a first icon indicating the expected number of installment payments and a second icon indicating the actual number of installment payments; and
and a reward providing unit that pays a reward provided by an advertiser linked to the savings account when the actual number of installment payments or the amount paid during the savings account reaches a preset target value;
At least one of the first icon and the second icon is an icon including information of an advertiser providing the reward,
The target value is a banking server, characterized in that it includes a plurality of values within the predetermined number of installment payment. The method of claim 1,
When the savings account is opened, the installment status providing unit determines the expected number of installment payments based on the savings cycle and the savings period, and includes a number of first icons corresponding to the determined scheduled number of installment payments. A banking server, characterized in that it provides. The method of claim 1,
The savings account providing unit generates a third icon by combining the second icon with one of the first icons whenever a deposit event occurs in the savings account, and is not combined with the third icon and the second icon. A banking server, characterized in that it provides a savings account page including the first icons. According to claim 1,
The first icons are mapped with the installment payment cycle,
The savings account providing unit generates a third icon by combining the second icon with the first icon mapped to the corresponding savings account whenever a deposit event occurs in the savings account, and the third icon and the second icon Banking server, characterized in that it provides a savings account page including the first icons that are not combined. delete According to claim 1,
The savings account opening unit provides a savings account opening page through which the user can select the savings cycle, the savings period and the amount to be paid for the savings account. According to claim 1,
The savings account opening unit provides an advertiser selection page through which the user can select one of a plurality of advertisers who provide rewards, and opens a savings account for savings products linked to the advertiser selected by the user. server. 8. The method of claim 7,
The savings account opening unit banking server, characterized in that for connecting the savings account with the advertiser server of the selected advertiser. 9. The method of claim 8,
When the customer identification information of the customer whose customer authentication has been completed is received from the advertiser server, the savings account opening unit maps and stores the user information of the savings account and the customer identification information of the advertiser, and stores the user information of the savings account to the advertiser A banking server, characterized in that it is transmitted to the server. 10. The method of claim 9,
When a request for providing an installment status including customer identification information is received from the advertiser server, the savings status providing unit searches for user information mapped with the customer identification information, and deposits the savings account held by the user corresponding to the searched user information. Banking server, characterized in that for providing the current status information to the advertiser server. 8. The method of claim 7,
The savings account opening unit determines at least one preferred advertiser among a plurality of advertisers who provide rewards based on user preference, and provides an advertiser selection page that can select one of the determined at least one preferred advertiser. banking server. a savings account opening unit for opening an savings account based on a change value of the savings cycle, the savings period, the installment payment amount, and the installment payment amount;
a savings account providing unit for providing the current savings account status by using a number of first icons corresponding to the expected number of installment payments and a number of second icons corresponding to the actual number of installment payments; and
and a reward providing unit that provides a reward when the actual number of installment payment or the payment amount reaches a preset target value;
The savings status providing unit generates a third icon by combining each of the second icons in the number corresponding to the actual number of savings payment with one of the first icons in the number corresponding to the scheduled number of savings payment, and the third icon and providing a savings account status page including first icons that are not combined with the second icon,
The target value is a banking server, characterized in that it includes a plurality of values within the predetermined number of installment payment. 13. The method of claim 12,
The savings account is a banking server, characterized in that the amount of the savings account is increased or decreased by the change value whenever the savings cycle elapses. 13. The method of claim 12,
The third icon is a banking server, characterized in that the second icon overlaps the first icon. delete 13. The method of claim 12,
At least one of the first icon and the second icon is a banking server, characterized in that it includes information of an advertiser providing the reward. setting a savings cycle, a savings period, and an installment payment amount, and opening an savings account linked to one of a plurality of advertisers;
providing a current state of savings of the opened savings account using a first icon indicating the expected number of installment payments and a second icon indicating the actual number of installment payments; and
Comprising the step of paying a reward provided by an advertiser associated with the savings account when the actual number of installment payment or the amount paid during the savings account reaches a preset target value;
The target value is a method of providing an installment savings service including a plurality of values within the predetermined number of installment payments. 18. The method of claim 17, wherein the step of providing the savings status comprises:
A third icon is created by combining each of the second icons in the number corresponding to the actual number of installment payments with one of the first icons in the number corresponding to the scheduled number of installment payments, and the third icon and the second icon A method of providing a savings service, characterized in that it provides a savings current page including the first icons not combined with. 18. The method of claim 17,
At least one of the first icon and the second icon includes information of an advertiser providing the reward. 18. The method of claim 17, wherein the step of opening the savings account comprises:
A method for providing a savings service, comprising providing an advertiser selection page so that a user can select one of a plurality of advertisers who provide rewards, and opening an savings account for savings products linked to the advertiser selected by the user . 21. The method of claim 20, wherein the step of opening the savings account comprises:
calling the selected advertiser's website or application;
receiving, from an advertiser server, customer identification information of an advertiser corresponding to account information input through a website or application of the advertiser; and
and mapping and storing user information of the savings account and customer identification information of the advertiser. 18. The method of claim 17,
The method of providing an installment savings service further comprising increasing or decreasing the installment payment amount of the savings account by a preset change value whenever the savings cycle elapses.

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