KR102430898B1 - Method and system for operating children's account and managing bestowal - Google Patents

Abstract

A method for managing child accounts and gift management and a system thereof are disclosed.
The child account operation and gift management method includes the steps of: receiving a request for creation of a child account by a system for child account operation and gift management; generating the child account by the system as a linked account of a parent account; Registering a child account as a gift target account, classifying a transaction corresponding to the increase travel committee targeting the gift target account, and maintaining gift status information, and the system transfers the gift status information to the parent account account step of providing.

Description

Child account operation and gift management method and system {Method and system for operating children's account and managing bestowal}

The present invention relates to a child account management and gift management method and system.

More specifically, it relates to a technical idea that allows parents to easily create and manage their children's accounts while managing gifts.

Parents are increasingly interested in their children's financial investment to provide a foundation for self-reliance when their children reach adulthood.

In addition, in the parent-child relationship, tax-free gifting is possible within a certain limit, and there is no capital gains tax or gift tax on investment income, so interest in ways to increase children's profits is also growing.

However, from a parent's point of view, a direct visit of an underage child was required to open an account for a minor child, and even though these inconveniences have been somewhat alleviated with the recent non-face-to-face account opening service, parents log in with their child ID to manage the assets in their child's name. There are still inconveniences in operation and management, such as

In addition, most of children's assets are gifted by their parents, and in this case, it is difficult to calculate gift tax for gift tax and manage the limit of non-taxable gift simply relying on the parents' memory.

Therefore, there is a need for a technological idea that allows parents to more easily and conveniently not only open their children's accounts, but also manage operation and gift management in their own online channel (parent's account).

Korean Patent Publication No. 10-1703548 "System, method and computer-readable medium for managing financial assets"

Therefore, the technical problem to be achieved by the present invention is to provide a method and a system for the parent to effectively handle the opening of a child account, asset management in the name of the child, and gift management.

Child account operation and gift management method for achieving the above technical task includes the steps of receiving a request for creation of a child account by a system for child account operation and gift management, the system creating the child account as a linked account of a parent account Step, the system registering the child account as a gift target account, dividing the transaction corresponding to the increase travel committee targeting the gift target account, and maintaining the gift status information, and the system is the account of the parent account Including the step of providing the gift status information.

The step of the system registering the child account as a gift target account, classifying the transaction corresponding to the increase travel committee for the gift target account and maintaining the gift status information is the step of storing financial products or cash into the child account. When a corresponding transaction occurs, verifying the sender identification information of the financial product or cash, if it is determined that the confirmed sender identification information corresponds to the subject of the parent account may include steps.

The child account operation and gift management method determines whether a preset notification target event occurs when the system receives a gift transaction request from the parent account, and the gift transaction request is processed based on the gift status information and if the notification target event occurs as a result of the determination, the method may further include providing notification information corresponding to the notification target event to the account of the parent account before processing the gift transaction request.

The child account operation and gift management method includes the steps of, by the system, setting account rights that the account of the child account, which is the subject of the child account, from the parent account, which is the subject of the parent account, can perform for the child account; When a predetermined request for the child account is received from the account of the child account, the method may further include checking whether the request conforms to the account authority set by the system and selectively processing the request according to the confirmation result. can

The step of the system creating the child account as a linked account of the parent account includes the system creating a plurality of different child accounts for each purpose, the system registering the child account as a gift target account, The step of maintaining the gift status information by dividing the transaction corresponding to the increase travel committee targeting the gift target account includes the step of maintaining the gift status information in which the increase travel committee corresponding to each of the plurality of child accounts is added. can do.

The step of setting, by the system, the account authority that the account of the child account, which is the subject of the child account, from the parent account, which is the subject of the parent account, can perform for the child account, for each of the plurality of child accounts It may include the step of setting different account rights.

When the child account operation and gift management method is classified into a growth commission transaction based on a result of classifying a transaction corresponding to the increase travel committee targeting the gift target account, the system generates the increase travel committee transaction of the child account The method may further include generating a gift report document corresponding to the increase travel commission transaction within a predetermined period based on the time point.

The child account operation and gift management method includes the steps of: checking, by the system, the gift status information; It may further include a step of recommending.

The child account operation and gift management method includes the steps of determining when the child becomes an adult based on the age information of the child who is the subject of the child account, and when the child becomes an adult, the child account and the parent It may further include the step of releasing the linked account setting of the account.

The child account operation and gift management method includes the steps of registering a parent certificate corresponding to the parent account as an authentication means of the child account or linking the child certificate corresponding to the child account and the parent certificate, but representing the parent certificate It may further include the step of registering with a certificate.

A child account operation and gift management method according to another embodiment includes the steps of: receiving, by a system for child account operation and gift management, a request for creation of a child account; setting, by the system, account authority that the account of the child account, which is the subject of the child account, can perform for the child account from the parent's account, which is the subject of the parent account, and the child account from the account of the child account when a predetermined request is received, confirming whether the request meets the account authority set by the system, and selectively processing the request according to the confirmation result.

The child account operation and gift management method may be implemented by a computer-readable computer program stored in a recording medium.

According to another aspect, the child account operation and gift management system includes a processor and a memory in which a program driven by the processor is stored, and the processor operates the program to receive a request for creation of a child account, and a parent account Creates the child account as a link account of The above-mentioned gift status information is provided to the account.

When a transaction corresponding to the receipt of a financial product or cash occurs to the child account by driving the program, the processor checks the sender identification information of the financial product or cash, and the confirmed sender identification information is the subject of the parent account If it is determined that the transaction corresponds to , the transaction can be classified as a transaction corresponding to the increase travel agency.

The processor operates the program to set account rights that the account of the child account, which is the subject of the child account, from the parent account, which is the subject of the parent account, can perform for the child account, and from the account of the child account When a predetermined request for a child account is received, it is checked whether the request meets the set account authority, and the request can be selectively processed according to the confirmation result.

The processor may generate a plurality of different child accounts for each purpose by driving the program, and maintain the gift status information in which the increase travel committee corresponding to each of the plurality of child accounts is summed.

When the processor drives the program and classifies the transaction corresponding to the increase travel committee targeting the gift target account, when the transaction is classified as the increase travel committee transaction, the system determines when the increase travel committee transaction of the child account occurs It is possible to generate a gift report document corresponding to the increase travel commission transaction within a predetermined period based on .

The processor may drive the program to check the gift status information, and recommend a financial product that satisfies a predetermined standard gift limit condition based on the checked gift status information as the account of the parent account.

A child account operation and gift management system according to another aspect includes a processor and a memory in which a program driven by the processor is stored, and the processor operates the program to receive a request for creation of a child account, and the system The child account is created as a linked account of the parent account, and the account authority that the account of the child account, which is the subject of the child account, from the parent account, which is the subject of the parent account, can be performed on the child account, When a predetermined request for the child account is received from the account of the account, it is checked whether the request conforms to the set account authority, and the request is selectively processed according to the confirmation result.

The child account management and gift management method according to the present invention can set the authority for the child account while managing the child account as a linked account of the parent account, and through this, the parent can manage the child's assets from their own account. It works. In particular, it is effective to increase the efficiency of asset management by creating multiple accounts for each use and granting appropriate rights for each account use (investment, pocket money, etc.).

In addition, there is an effect that the gift status management can be efficiently done by determining whether the events of the assets are put into the child's account or not.

In order to more fully understand the drawings recited in the Detailed Description of the Invention, a brief description of each drawing is provided.
1 shows a schematic system configuration for implementing a child account management and gift management method according to an embodiment of the present invention.
2 is a view for explaining a schematic configuration of a child account management and gift management system according to an embodiment of the present invention.
3 is a flowchart illustrating a child account management and gift management method according to an embodiment of the present invention.
4 is a diagram for explaining the concept of explaining the management right for each child account according to an embodiment of the present invention.
5 and 6 are diagrams for explaining the concept of managing a gift status according to an embodiment of the present invention.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings illustrating preferred embodiments of the present invention and the contents described in the accompanying drawings.

In addition, in the present specification, when any one component 'transmits' data to another component, the component may directly transmit the data to the other component or through at least one other component. This means that the data may be transmitted to the other component.

Conversely, when one component 'directly transmits' data to another component, it means that the data is transmitted from the component to the other component without passing through the other component.

Hereinafter, the present invention will be described in detail by describing preferred embodiments of the present invention with reference to the accompanying drawings. Like reference numerals in each figure indicate like elements.

1 shows a schematic system configuration for implementing a child account management and gift management method according to an embodiment of the present invention.

Referring to FIG. 1 , in order to implement the child account management and gift management method according to the technical idea of the present invention, a child account operation and gift management system (hereinafter, 'management system', 100) may be provided. The management system 100 is a parent terminal 200, a terminal 300 used by a child, and/or a third-party certificate document system 400 to implement the child account management and gift management method according to the technical idea of the present invention. ) can communicate with

The management system 100 may be a system of a financial institution that provides financial services for creation, operation, and gift management of child accounts according to the technical idea of the present invention. The management system 100 may be a system implemented with at least one physical device in order for a financial institution such as a bank or a securities company to provide a simple transfer service according to the technical idea of the present invention.

The parent terminal 200 is a terminal used by a parent who requests to open an account of a child, operates, and performs a gift through a child account or checks and manages the gift status to a child account according to the technical idea of the present invention can mean An average expert in the art can easily infer that the parent terminal 200 in the present specification refers to a terminal used by the parent or not to a specific hardware.

The terminal 300 used by the child means a terminal used by the child who is the subject of the child's account, and this terminal 300 is an ATM that performs a withdrawal request for assets of the child's account as well as a mobile phone and computer used by the child. It may mean that various affiliated store terminals participate when a child requests payment through a device or check card.

The third-party certificate document system 400 may mean at least one third-party institution that issues essential documents necessary for opening a child account or issues a certificate according to the technical idea of the present invention. have.

According to the technical idea of the present invention, the parent terminal 200 may be a terminal used by a parent who holds an account in the management system 100 .

The parent terminal 200, that is, the parent may request the creation of a child account from the management system 100, and for this purpose, the management system 100 receives the necessary documents through the third-party authentication system 400 ) can be transmitted. That is, according to the technical idea of the present invention, a parent can create an account for a child non-face-to-face.

According to an embodiment, the child account created at the request of the parent may be managed in connection with the parent's account, that is, the parent account. For example, the parent account becomes the parent account, and the child account can be managed by the management system 100 by establishing a relationship between the parent account and the child account in various ways, such as a child account or a sub account of the parent account. have.

Actions (eg, request for financial services such as deposit, withdrawal, transfer, replacement, asset order, management, etc.) on the child account created in this way can be performed by the parent. That is, according to the technical idea of the present invention, the child account linked to the parent account is preliminarily converted to the parent account, unlike the conventional method in which the request for the child account was processed in the child's name after logging in to the child's account in order to be processed. A set action can be performed.

According to an embodiment, the management system 100 may be transferred from the parent terminal 200 to the child account so that all actions on the child account can be performed with the parent account and only the actions allowed by the parent account can be performed with the child account. You can set permissions for According to an embodiment, the authority for actions that the parent account can perform with respect to the child account may also be set.

In any case, according to the technical idea of the present invention, all or a predetermined part of a plurality of financial actions that can be performed on a child account associated with a parent account can be performed with the parent account of the parent.

When the respective rights of the parent and child for the child account are set, the management system 100 checks whether a predetermined service request for the child account is received from the parent account or the child account, and is based on the set authority. You can optionally process the service to match.

On the other hand, the management system 100 may maintain / manage the gift status for the child account. The gift status is an event that is considered a gift from the subject of the parent account linked to the child account, that is, the parent of the child account, i.e., a gift transaction (e.g., deposit from a linked parent account or other parent account, receipt of assets, etc.) When this occurs, it may mean information on the status of a gift performed by a parent to the child according to such a gift transaction.

Such gift status information may include the amount of gift for each gift transaction, the date of the gift, the accumulated amount of the gift, and the difference up to the non-task limit.

Then, the management system 100 may provide the gift status information to the parent terminal 200 so that the gift tax can be saved. In addition, when a predetermined gift transaction is requested, information that the non-taxable limit is exceeded when the pre-requested gift transaction is processed based on the gift status information in advance, or information on how much gift tax is generated when the requested gift transaction is processed Gift tax related notification information, such as, may be provided to the parent terminal 200 . This has the effect of preventing the occurrence of a gift that exceeds the non-taxable limit unintentionally by the parents.

To this end, the management system 100 checks identification information (eg, name, account number) of the sender (a person who has paid a deposit, a person who has received a deposit), etc. for a predetermined event such as a deposit to a child's account and stocking of an asset, and the identification information is It can be determined whether the case corresponds to the parent. Of course, by coincidence, the same person with the parent's identification information can deposit money into the child's account, so if the sender's identification information corresponds to the parent, the management system 100 performs the procedure to check whether the sender is the parent. A procedure of confirming through communication with the parent terminal 200 may be additionally performed.

In addition, the management system 100 may check the gift status information corresponding to the child account of a specific child, and select a financial product that satisfies a predetermined standard gift limit condition based on the checked gift status information.

The standard gift limit may be predetermined based on a gift tax rate to be paid according to a taxation standard. For example, the standard gift limit may be a non-taxable gift limit amount (eg, 20 million won). Alternatively, the standard gift limit may be a gift limit amount with a gift tax rate of 10% (eg, 100 million won excluding the tax-free gift limit of 20 million won) as the standard gift limit. Then, a financial product that satisfies the standard gift limit condition may mean a financial product designed to be donated up to the remaining limit up to the standard gift limit, excluding the amount donated based on the information on the gift status.

For example, if the standard gift limit is set to be non-taxable, i.e., the gift limit amount that satisfies the 0% tax rate (eg, 20 million won) and no gift has been made so far, financial products that satisfy the standard gift limit condition are the standard gift The limit amount (20 million won) may be the remaining limit, and the residual limit may be a financial product that can be gifted to the child.

If the standard gift limit is set to be non-taxable, that is, the gift limit amount that satisfies the 0% tax rate (eg, 20 million won), and if the donation has been made up to now, 10 million won, financial products that satisfy the standard gift limit condition are subject to the standard gift limit 10 million won excluding the donation amount (eg, 10 million won) from the amount (20 million won) becomes the remaining limit, and the financial product corresponding to the remaining limit may be a financial product that satisfies the standard gift limit condition.

If the standard gift limit is set at a gift limit amount that satisfies the tax rate of 10% (e.g., 20 million won + 100 million won = 120 million won), and if the donation has been made so far, 10 million won For financial products, the remaining limit is KRW 110 million after deducting the donation amount (e.g., 10 million won) from the standard donation limit amount (120 million won), and the financial products corresponding to the remaining limit satisfy the standard gift limit conditions It may be a financial product.

Of course, in this case, if the financial product is a product to be paid for for a certain period of time, taking into account the tax base period (eg, 10 years) of the gift tax, a finance that can exhaust all or the maximum remaining limit within the tax base period from the time of the initial gift. A product may be selected.

In addition, the selection of financial products may mean that any one of a plurality of financial products may be selected in advance, and that financial products satisfying the standard gift limit conditions are newly designed by the management system 100 . .

It goes without saying that information on various financial products and elements that can be set (payment amount, period, etc.) may be stored in advance in the management system 100 and/or outside.

For example, as described above, if the standard gift limit is set to a gift limit amount (eg, 20 million won) that satisfies the tax rate of 0%, that is, non-taxation, and if no donation has been made so far, the management system 100 Monthly payment products and monthly payment amounts/periods suitable for the limit (eg, 20 million won) may be suggested.

In this case, the monthly payment product may be, but is not limited to, a monthly payment fund, bond, or portfolio product consisting of one or more assets. In addition, the above period may also be set from the time of the initial gift to the period of the tax unit. Such a financial product may be, for example, a fund that pays 200,000 won per month for 10 years when the remaining limit is 20 million won.

That is, the management system 100 may select a financial product (eg, a savings-type fund) in which the monthly payment amount and the payment period satisfy the standard gift limit (eg, non-taxation) condition and recommend it to the parent's account.

Of course, information on the name of the financial product, rate of return, payment type, period, etc. may be transmitted to the parent's account for recommendation.

Of course, the average expert in technical support of the present invention will be able to easily infer that financial products may be in the form of lump-sum payment rather than monthly payment, and may have various payment types.

Also, according to an embodiment, the number of child accounts linked to the parent account may be plural. And, creating multiple child accounts like this can be more beneficial to your child's asset management and your child's financial life.

For example, child accounts include investment management accounts for parents to invest and manage assets in their children's names (eg, comprehensive accounts for financial products such as stocks, etc.) A plurality may be generated for each purpose.

Then, the authority of the parent and the child may be set differently for each of the plurality of child accounts.

For example, in the investment management account, each authority may be set so that parents can purchase and sell orders for financial products, and children cannot perform but only inquiry.

In addition, permission can be set so that parents can only inquire about pocket money accounts, and children can withdraw and transfer money.

And when a plurality of child accounts are created in this way, the gift status may also be aggregated and managed. In other words, the gift status is not managed for each account, but the parental increase travel committee for child accounts can be integrated and managed as the gift status.

In addition, by managing the information on the present state of the gift, the management system 100 can generate a gift report document in a predetermined format at a predetermined time. Depending on the embodiment, a service for the gift declaration procedure may be provided by reporting the generated gift declaration document to the tax authority on behalf of the parent/child.

As a result, the management system 100 according to the technical idea of the present invention can provide comprehensive convenience compared to the conventional service for the opening, operation, and/or gift of a child account.

A system for implementing this technical idea may require an additional system to implement the technical idea of the present invention in addition to the configuration shown in FIG. 1 , and the management system 100 has more configurations by function or physically It may be divided into , and an average expert in the art of the present invention can easily infer that various embodiments are possible.

In this specification, the parent may refer to a combination of parents or mothers, and the parent account may refer to a negative account or a mother account. Accordingly, an average expert in the art of the present invention can easily infer that a gift transaction from a parent may mean including a deposit from a negative account and a deposit from a mock account.

A detailed configuration of the management system 100 for implementing this technical idea may be as shown in FIG. 2 .

2 is a view for explaining a schematic configuration of a child account management and gift management system according to an embodiment of the present invention.

First, referring to FIG. 2 , a management system 100 is provided in order to implement the child account management and gift management method according to the technical idea of the present invention.

The management system 100 may include a memory 120 in which a program for implementing the technical idea of the present invention is stored, and a processor 110 for executing the program stored in the memory 120 .

An average expert in the art of the present invention will be able to easily infer that the processor 110 can be named in various names such as CPU, mobile processor, etc., depending on the implementation example of the management system 100 . In addition, as described with reference to FIG. 1 , the management system 100 may be implemented by organically combining a plurality of physical devices. In this case, the processor 110 is provided with at least one for each physical device, so that the management system of the present invention is provided. An average expert in the technical field of the present invention can easily infer that (100) can be implemented.

The memory 120 stores the program and may be implemented as any type of storage device that the processor can access to drive the program. Also, depending on the hardware implementation, the memory 120 may be implemented as a plurality of storage devices instead of any one storage device. Also, the memory 120 may include a temporary memory as well as a main memory. In addition, it may be implemented as a volatile memory or a non-volatile memory, and may be defined to include all types of information storage means implemented so that the program can be stored and driven by the processor.

The management system 100 may be a system operated and implemented by a financial institution such as a securities company or a bank according to an embodiment, and may be implemented in various ways such as a web server, a computer, etc., and perform the functions defined in this specification. It may be defined to include any type of data processing device that can be used.

In addition, various peripheral devices (peripheral device 1 to peripheral device N) may be further provided according to an embodiment of the management system 100 . For example, an average expert in the technical field of the present invention will be able to easily infer that a keyboard, monitor, graphic card, communication device, etc. may be further included in the management system 100 as peripheral devices.

Of course, an average expert in the technical field of the present invention will be able to easily infer that the parent terminal 200 and/or the terminal 300 used by the child may also have the same configuration as in FIG. 2 .

3 is a flowchart illustrating a child account management and gift management method according to an embodiment of the present invention.

Referring to FIG. 3 , in order to implement the child account management and gift management method according to the technical idea of the present invention, the management system 100 accesses the parent account through authentication (eg, login authentication) from the parent terminal 200 . A request for creation of a child account may be received from one parent terminal 200 (S10, S20).

To this end, the parent terminal 200 may receive a request from the management system 100 for information about the child and documents necessary for creating a child account (S30).

The parent terminal 200 may receive the requested necessary documents from the third party authentication system 400 . The necessary documents may be, for example, documents that can confirm the family relationship and documents that can confirm the identity of the child. The document that can confirm the family relationship may be, for example, a document that can confirm the relationship between the parent and child, such as a copy of resident registration, a family relationship confirmation document, and the like. In addition, the document confirming the identity of the child may be a copy of the child's identification card (passport, etc.) or a document proving it.

Such a required document may be a document confirming that the parent requesting the creation of a child account is the actual parent of the child, and the embodiment of the required document may vary according to embodiments.

When the parent terminal 200 receives the necessary documents from the third-party authentication system 400 or creates and secures a copy of the documents the parents have, the parent terminal 200 stores the necessary documents in the management system ( 100) (S40).

Then, the management system 100 checks the necessary documents to confirm the relationship between the subject of the child account requested to be created, that is, the child and the parent who requested the creation, and when the relationship is confirmed, the child account is created, and the parent account and the created child Accounts can be linked and registered (S50).

According to an embodiment, the child account may be managed in connection with a sub-account or a child account of a parent account.

In addition, the management system 100 may register all or part of the created child accounts as a gift target account. The registration of the gift target account may be made by the selection of the parent terminal 200, and the child account may be registered as the gift target account by default.

According to the technical idea of the present invention, the gift target account may be an account in which the gift status is managed by recognizing the gift as a gift when the parent deposits (receives) assets (cash or other financial assets) into the gift target account.

With respect to the child account registered as a gift target account, the management system 100 may maintain/manage gift status information as will be described later.

In addition, when the creation of the child account and the connection with the parent account are completed, the management system 100 may request the parent terminal 200 to set the authority for the child account to perform the authority setting (S60).

The permission setting may be about the authority the parent has for the child account and/or the authority the child has.

Also, according to an embodiment, a plurality of child accounts may be created for each child. In this case, the plurality of child accounts may be accounts divided by use.

According to an example, any one of the child accounts may be an account set so that a parent can invest and manage an asset in the name of the child. In addition, the other one of the child accounts may be an account for managing pocket money that the child can withdraw and utilize relatively easily.

To this end, the management system 100 generates a plurality of child accounts when a request for creation of a child account is received, and an account for investment management (eg, an investment comprehensive account capable of investing in financial products) and the other one It may be an account for money management (eg, CMA account, etc.) that allows free deposit and withdrawal. Of course, two or more child accounts may be created as needed.

In this way, when a plurality of child accounts are created, each child account may be linked to a parent account.

In addition, different permission settings may be made for each child account.

One such example will be described with reference to FIG. 4 .

4 is a view for explaining the concept of explaining the management right for each child account according to an embodiment of the present invention.

As shown in FIG. 4 , the management system 100 responds to a request for creation of a child account and when confirmation of necessary documents is completed, at least one child account (eg, 20, 21) in connection with the parent account 10 can create

The management system 100 may set the authority for each child account as a default. Alternatively, the management system 100 may request the setting of authority for each child account from the parent terminal 200 .

For example, the investment management account 20 may be authorized so that parents can freely manage assets in the name of their children. Free management by the parent may mean that the parental account can log in to the parent's account and dispose of the financial assets in the investment management account 20 linked to the parent account 10 . Authority may be set so that parents can perform all disposition actions, and authority may be set so that only some actions (eg, buying, selling, etc.) of disposition actions can be performed by parents.

In addition, the child's authority to the investment management account 20 may also be set. For example, with respect to the investment management account 20, the child may be set to not be able to perform disposition actions even if the account is in his or her name, and only actions such as inquiry may be permitted.

On the other hand, with respect to the allowance account 21 among the child accounts, the right for the child to perform withdrawals, transfers, and the like, unlike the investment management account 20 , may be given. In addition, the parent may be given the right to simply inquire or set the withdrawal policy (eg, set the limit of the amount that can be withdrawn or paid at one time, etc.).

In this way, parents can set the authority for each child account, and the authority granted to the parent can be performed even when logging in with the parent's account, thereby making it easier for parents to manage and manage their children's assets.

In addition, the action corresponding to the permission allowed by the child can be made through, for example, withdrawal through an ATM or payment using a card in the child's name, even if the child account does not log in to the management system 100 .

When the authority is set in this way, when a predetermined request for the child account is made by the management system 100, the subject who made the request is checked and whether the authority is permitted to the subject is checked, and the request is selectively selected only if it meets the authority can be processed with

For example, when a predetermined request (eg, withdrawal, payment, etc.) for the child account is received from the account of the child account, the management system 100 checks whether the request meets the account authority set in advance, and The request may be selectively processed according to the confirmation result.

Referring back to FIG. 3 , after the authority is set for each child account ( S60 ) or before that, the authentication means for the child account may be registered. Such authentication means may be different in policy, and according to an example, an accredited certificate may be an example of such authentication means, but is not limited thereto.

According to an embodiment, an action that can only be performed after being authenticated through an authentication means may be predefined in the management system 100 . For example, in the case of asset inquiry, it is allowed only through login without a certificate. This can be defined as an acceptable authentication-requiring action.

In this case, the authentication means for the authentication required action in the child account must be registered in advance. According to an embodiment, for the authentication required action to be performed in the child account, the management system 100 provides the parent's authentication means corresponding to the parent account. (eg, a certificate) can also be registered as an authentication method for the child account. Alternatively, if necessary, the child's authentication means corresponding to the child account may be registered for the child account. However, even at this time, since the authority may be allowed to perform the actions required for authentication of the child account with the parent account, in this case, a linkage setting between the child's authentication means and the parent's authentication means can be established. When this linkage is established, the management system 100 may allow both the child's authentication means and the parent's authentication means for authentication of the child account, and the parent certificate may be registered as a representative certificate for the child account. have. When the representative certificate is registered, if authentication is successful with the representative certificate, a wider range of rights may be granted compared to the case of authentication with the child authentication method. For example, in addition to the actions that can be performed through the child's authentication means, a broader range of actions such as setting rights for a child's account and/or setting of actions permitted as a child authentication method may be permitted. What kind of actions are specifically allowed for the child account through the parental authentication means set as the representative certificate may vary depending on the embodiment, but at least more actions than the permitted actions when authenticated through the child authentication means may be allowed.

In addition, when the authentication means for the child account is registered, the management system 100 may monitor the gift status of the child account or the account registered as a gift target account among the child accounts to maintain and manage the gift status information (S80). ).

According to the embodiment, all child accounts linked to the parent account 10 may be automatically registered as the gift target account, but only the selected account among the child accounts may be registered as the gift target account if necessary.

Then, the management system 100 can classify the transaction corresponding to the increase travel commission from the parent, that is, the gift transaction, among the transactions (eg, transfer, replacement, stocking, etc.) for the donation target account.

Such a transaction can be made by identifying a sender (a person who deposits cash, a person who sends financial products (financial assets), etc.) among all transactions that target the gift target account, that is, assets entering the gift target account.

To this end, the management system 100 may check the identification information (name, account number, etc.) of the sender of the transactions targeting the donation target account. In addition, parental identification information (name, account number, etc.) may be registered in advance in the management system 100, of course.

Then, the management system 100 checks the sender identification information of each of the transactions, and if it is determined that the confirmed sender identification information corresponds to the subject of the parent account, that is, the parent, the transaction corresponding to the increase travel committee, that is, a gift It can be classified as a transaction.

Then, the management system 100 can maintain/manage the gift status information while updating the gift status information, that is, the information on the gift occurrence status due to the act corresponding to the donation up to this point, whenever a gift transaction occurs.

And this gift status information may be transmitted to the parent terminal 200, that is, the account of the parent account.

The gift status information includes not only information on individual gift transactions (donation date and time, gift amount), but also the accumulated gift amount and non-taxation (e.g., 20 million won, etc.) Information on the remaining limit of , etc. may be included.

The management system 100 may transmit the information on the gift status to the parent account according to a preset situation.

According to an example, when a gift transaction request from the parent account is received, the gift status information may be provided.

In addition, according to an embodiment, the management system 100 receives a request for a donation transaction from the parent account (eg, a request for a transfer of a certain amount from the parent account to the account to be donated), when the donation transaction request is processed It may be determined in advance whether a preset notification target event (eg, exceeding the gift non-taxation limit, etc.) occurs.

And if the notification target event occurs as a result of the determination, notification information corresponding to the notification target event (for example, information indicating that the gift non-taxation limit is exceeded) is provided to the account of the parent account before processing the gift transaction request. can

Therefore, it has the effect of not only notifying the donation status information in advance or ex post, but can actively inform that a predetermined event may occur when this increase travel committee is carried out.

In addition, as described above, when a plurality of child accounts are created and all of them are gift target accounts, a gift transaction may be made for each of the child accounts, but it may be desirable to aggregate and maintain the gift status information.

Such an example will be described with reference to FIGS. 5 to 6 .

5 and 6 are diagrams for explaining the concept of managing a gift status according to an embodiment of the present invention.

5 and 6, when a parent makes a gift to a child, when the gift is made through the linked parent account 10 linked to the child accounts 20 and 21, and an external parent account (eg, not the linked parent account) , a parent account of another financial institution, etc. 30) may also be used.

Of course, the linked parent account 10 may be only one account of the father or the mother who requested the creation of the child account, but both the parent and mother accounts are It may be registered as a linked account of the child accounts 20 and 21 .

And as shown in Fig. 5, sequentially at times t1, t2, t3, and t4, the predetermined amount A1 is transmitted from the linked parent account 10 to the child account 1 20 (transfer, stock, etc.) A transaction (tr1) is made, and a transfer (transfer, warehousing, etc.) transaction (tr2) for a predetermined amount (A2) is made from the linked parent account 10 to the child account 2 (21), and another account (parent A transfer (transfer, warehousing, etc.) transaction (tr3) for a predetermined amount (A3) is made from the account of another person, 40) to the child account 2 (21), and the child account 1 (20) from the external parent account 30 ), a transfer (transfer, warehousing, etc.) transaction tr4 for a predetermined amount A4 may be performed.

Then, the management system 100 can check the sender identification information for each of the transmission transactions (tr1, tr2, tr3, tr4). Checking the sender identification information may include confirming whether the transmission transaction is made from the linked parent account 10, and in the case of the external parent account 30, since it corresponds to the increase trip from the parent, in order to include it, the sender It may include checking the identification information (eg, name, account number, etc.) of the identified identification information corresponds to either one of the parent or the mother.

In addition, as described above, when a name is used as the identification information, a procedure for confirming whether the corresponding transmission transaction to the parent terminal 200 is made by the parent may be further performed as described above.

Then, when it is determined that the sender identification information corresponds to the parent, the management system 100 may classify the transmission transaction as a gift transaction.

In the case of FIG. 5, the transfer transactions tr1, tr2, and tr4 can be identified as gift transactions, the gift transactions tr1 and tr4 are transactions for the child account 1 (20), and the gift transaction tr2 is the child account 2 (21). It may be a target transaction.

However, even in this case, the management system 100 may manage the gift status information that sums up the gift transactions for each of the child accounts 20 and 21 .

An example of this may be as shown in FIG. 6 .

As shown in FIG. 6 at time t1, the gift status information may be the time of occurrence of the gift transaction tr1 (t1), the amount (A1), the total amount (cumulative gift amount, A1), and the remaining amount of non-taxable limit (B1).

As shown in FIG. 6 at time t2, the gift status information is information on the time of occurrence of the gift transaction tr2 (t2), the amount (A2), the total amount (cumulative gift amount, A1+A2), and the remaining amount of non-taxable limit (B2). may include Of course, information on the previous donation transaction tr1 may also be included.

The gift status information may not change at time t3 from time t2, and at time t4, as shown in FIG. +A4) and information on the non-taxable remaining amount (B3).

In the end, according to the technical idea of the present invention, parents can easily know information about the status of gift giving to their children, and if a specific event (eg, exceeding the tax-free limit, etc.) occurs, preemptively Because it can be known, gift management for children can be very easy and intuitive.

In addition, the gift status information may include information on the amount of gift tax to be paid when the accumulated gift amount exceeds the non-taxable limit.

On the other hand, the management system 100 generates a gift transaction of the child account when a predetermined transaction is classified as a transaction on the increase travel committee based on the result of classifying the transaction corresponding to the increase travel committee targeting the gift target account. It is possible to generate a gift declaration document corresponding to the gift transaction within a predetermined period (eg, 3 months) based on the time point. The gift report document may be a document of a predetermined format for reporting to a related institution (eg, the National Tax Service, etc.) that the gift has been made for each individual increase travel committee.

And as described above, since the gift transaction by the parent can be distinguished among the transactions for the child account, the gift report document for the gift report can be easily generated and provided to the parent, or, depending on the embodiment, the management system (100) This reporting act itself may also be carried out on behalf of the person. It goes without saying that the act of reporting means the act of transmitting the gift report document to the relevant institution in a prescribed manner.

After all, according to the technical idea of the present invention, it is possible not only to easily create the name of the child account, but also has the effect of facilitating the management of the assets included in the child account with the parent account by setting the authority for the child account. .

And for this reason, from the point of view of parents, investment income through asset management is not included in the gift amount, and only the gift value at the time of the gift is treated as the gift amount. .

In addition, since the information on the gift status is managed efficiently, there is an effect that the management or saving of the gift tax can be made effectively.

On the other hand, it may be desirable that these technical ideas, that is, management and control of assets by parents, management of gifts, etc., are no longer made when the child becomes an adult. To this end, the management system 100 may register and maintain the child's age information (eg, date of birth) when the child account is created, and may determine when the child becomes an adult.

And, when the child reaches the age of majority (after), the linked account setting between the child account and the parent account may be released.

When the linked account setting is released, the management system 100 may convert the child account into an independent account. That is, the link information with the parent account 10 can be deleted or canceled, and the authentication means can also be reset if necessary.

The child account operation and gift management method according to an embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices in which data readable by a computer system is stored. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, and optical data storage device. In addition, the computer-readable recording medium is distributed in a computer system connected through a network, so that the computer-readable code can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention pertains.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Accordingly, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (19)

receiving, by the system for child account management and gift management, a request to create a child account;
generating, by the system, the child account as a linked account of the parent account;
maintaining, by the system, the child account as a gift target account, and dividing the transaction corresponding to the increase travel committee targeting the gift target account to maintain gift status information;
The system includes the step of providing the gift status information to the account of the parent account,
The step of the system registering the child account as a gift target account and maintaining the gift status information by dividing the transaction corresponding to the increase travel committee targeting the gift target account,
when a transaction corresponding to the receipt of a financial product or cash to the child account occurs, checking identification information of a sender of the financial product or cash;
When it is determined that the confirmed sender identification information corresponds to the subject of the parent account, classifying the transaction into a transaction corresponding to the increase travel agency.

delete The method of claim 1, wherein the child account management and gift management method comprises:
determining, by the system, whether a predetermined notification target event occurs when the gift transaction request is processed based on the gift status information when a gift transaction request is received from the parent account; and
Child account operation and gift management method further comprising the step of providing notification information corresponding to the notification target event to the account of the parent account before processing the gift transaction request when the notification target event occurs as a result of determination.
The method of claim 1, wherein the child account management and gift management method comprises:
setting, by the system, account rights that the account of the child account, which is the subject of the child account, from the parent's account, which is the subject of the parent account, can perform for the child account; and
When a predetermined request for the child account is received from the account of the child account, the method further includes the step of checking whether the request conforms to the account authority set by the system and selectively processing the request according to the confirmation result child account management and gift management method.
The method of claim 1, wherein the step of creating the child account as a linked account of the parent account by the system comprises:
The system includes the step of creating a plurality of different child accounts for each purpose,
The step of the system registering the child account as a gift target account and maintaining the gift status information by dividing the transaction corresponding to the increase travel committee targeting the gift target account,
Child account management and gift management method comprising the step of maintaining the gift status information that is added to the increase travel committee corresponding to each of the plurality of child accounts.
The method according to claim 5, wherein the step of setting, by the system, account authority that can be performed for the child account by the account of the child account, which is the subject of the child account, from the parent account, which is the subject of the parent account, comprises:
Child account management and gift management method comprising the step of setting different account rights for each of the plurality of child accounts.
According to claim 1, the child account management and gift management method,
When the transaction for the increase travel committee is classified based on the result of classifying the transaction corresponding to the increase travel committee targeting the gift target account, the system determines the increase travel committee transaction within a predetermined period based on the occurrence time of the increase travel committee transaction of the child account. Child account management and gift management method further comprising the step of generating a gift report document corresponding to the transaction of the gift travel commission.
The method of claim 1, wherein the child account management and gift management method comprises:
determining when the child becomes an adult based on the age information of the child who is the subject of the child account; and
Child account management and gift management method further comprising the step of canceling the setting of the linked account between the child account and the parent account when the time when the child becomes an adult has passed.
The method of claim 1, wherein the child account management and gift management method comprises:
registering a parent certificate corresponding to the parent account as an authentication means of a child account; or
The child account management and gift management method further comprising the step of establishing a link between the parent certificate and the child certificate corresponding to the child account, and registering the parent certificate as a representative certificate.
The method of claim 1, wherein the child account management and gift management method comprises:
checking, by the system, the gift status information;
The method further comprising the step of recommending a financial product that satisfies a predetermined standard gift limit condition as the account of the parent account based on the gift status information confirmed by the system.
delete A computer readable computer program installed in a data processing apparatus and stored in a recording medium for performing the method according to any one of claims 1 to 10.
processor;
and a memory in which a program driven by the processor is stored,
The processor drives the program,
Receive a request to create a child account, create the child account as a linked account of the parent account, register the child account as a gift target account, and classify the transaction corresponding to the donation target account for the gift target account. Maintaining the gift status information, and providing the gift status information to the account of the parent account,
When a transaction corresponding to the receipt of financial products or cash to the child account occurs, the identification information of the sender of the financial product or cash is checked, and when it is determined that the confirmed sender identification information corresponds to the subject of the parent account, the transaction A child account management and gift management system that classifies the
delete The method of claim 13, wherein the processor drives the program,
From the parent account, which is the subject of the parent account, the account authority that the account of the child account, which is the subject of the child account, can perform for the child account is set, and a predetermined request for the child account is made from the account of the child account. When received, the child account management and gift management system that checks whether the request conforms to the set account authority and selectively processes the request according to the confirmation result.
The method of claim 13, wherein the processor drives the program,
A child account management and gift management system that creates a plurality of child accounts that are different for each purpose, and maintains the gift status information in which the increase travel committee corresponding to each of the plurality of child accounts is summed.
14. The method of claim 13, wherein the processor drives the program,
When the transaction for the increase travel committee is classified based on the result of classifying the transaction corresponding to the increase travel committee targeting the gift target account, the system determines the increase travel committee transaction within a predetermined period based on the occurrence time of the increase travel committee transaction of the child account. A child account management and gift management system that creates a gift report document corresponding to the transaction of the Korea Travel Agency.
The method of claim 13, wherein the processor drives the program,
A child account management and gift management system that checks the gift status information and recommends, as the account of the parent account, a financial product that satisfies a predetermined standard gift limit condition based on the checked gift status information.
delete

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