KR102559186B1 - consumption management device and method for managing consumption habits for children's financial education - Google Patents

Abstract

The present invention relates to a consumption management device for managing consumption habits for financial education of children, wherein the consumption management device includes: a habit formation management unit that receives mission information for forming a child's consumption and savings related habits from a parent terminal and registers and manages the mission information in a mission information DB; and a compensation management unit determining whether or not the child has achieved a mission with respect to the mission information registered in the mission information DB, and providing a reward to the child terminal according to whether or not the mission has been achieved.

Description

Consumption management device and method for managing consumption habits for children's financial education}

The present invention relates to a consumption management device and method for managing consumption habits for children's financial education.

There are various forms of self-development, but recently, it has been centered on finance and economy. Since the spread of COVID-19, book sales have soared, especially in the fields of economy, management and investment, and financial technology.

The financial market is growing at a rapid pace, and the number of parents who open accounts in their children's names to donate stocks or start early investment education is rapidly increasing. The stock account status of minors has exceeded 600,000 as of 2020.

However, there is a tendency to view financial technology and stocks from the perspective of speculation rather than investment, and as the number of people investing in debt (investing in debt) increases, the household debt of young people has risen to 27% compared to the entire age group. The reason for the increase in household debt among young people is that there is no institution that provides proper financial education services in the past, and there is a tendency to rely on information from acquaintances around you. Accordingly, it is necessary to improve the reliability of high-quality financial education contents.

Recently, early education related to stocks and investment techniques has become a new culture, but in most cases, parents provide the wrong type of education to their children. In fact, most parents teach their children how to invest in stocks by looking at the stock price table and 'marking stocks', selling or buying more depending on whether the selected item is 'up and down' a few days later, rewarding them with delicious food if the profit is high, and comforting them if the loss is large, while also educating them in such a way as to look for potential items again. This wrong education can have negative consequences.

Therefore, there is an urgent need for the development of technologies that enable parents and children to easily start high-quality financial education early, enable children to safely experience economic activities and financial markets in advance in the form of 'habit-goal-compensation-consumption-savings-investment', and enable children to form healthy and safe consumption and savings habits so that children can grow up with the right economic concept.

The background technology of the present invention is disclosed in Korean Patent Publication No. 10-2007-0063087.

The present invention is intended to solve the problems of the prior art described above, so that parents and children can easily start high-quality financial education early, enable children to safely experience economic activities and financial markets in advance in the form of 'habit-goal-compensation-consumption-savings-investment', and enable children to form healthy and safe consumption and savings habits so that they can help their children grow up with the right economic concept. It is an object of the present invention to provide a consumption management device for managing consumption habits) and a method.

However, the technical problems to be achieved by the embodiments of the present invention are not limited to the technical problems described above, and other technical problems may exist.

As a technical means for achieving the above technical problem, a consumption management device according to an embodiment of the present invention is a consumption management device for checking consumption of a child card based on linkage with a card company, and includes information on a child card issued by a parent. A register for obtaining user information from a parent terminal, registering it in a user DB, and managing it; a card management unit that obtains usage history information of the child card registered in the user DB from a card company server as the child uses the child card, and analyzes and manages the acquired usage history information; and a control unit for providing at least some of the usage history information and analysis result information as consumption information to the parent terminal when a request for confirmation of the consumption information of the child card is made in the parent terminal.

In addition, when the user information is registered, the control unit may display a location setting screen on the screen of the parent terminal capable of setting the location of the child card and the amount of use for each location, and control the location-related setting information entered through the location setting screen to be linked with the user information and further registered and managed in the user DB.

In addition, when a parent clicks on a location search button in the location setting screen, the control unit requests the card company server to provide member store list information, displays the member store list information received from the card company server on the screen of the parent terminal in response to the request, and the parent terminal can set the member store list based on the member store list information.

In addition, when it is detected that a card payment approval request has occurred due to the use of the child card at the card merchant, the control unit determines whether payment is possible using the child card in response to the detection, and controls the response to the card payment approval request to be approved or not approved according to the result of the determination.

In addition, determination of whether payment is possible may be made in consideration of setting information related to the place of use, balance information of the child card, payment request amount information corresponding to the card payment approval request, and card member store information.

On the other hand, a consumption management device according to another embodiment of the present invention is a consumption management device for managing consumption habits for financial education of children, a habit formation management unit for receiving mission information for forming a habit related to consumption and savings of a child from a parent terminal and registering and managing a mission information DB in a mission information DB; and a compensation management unit determining whether or not the child has achieved a mission with respect to the mission information registered in the mission information DB, and providing a reward to the child terminal according to whether or not the mission has been achieved.

In addition, the mission information may include mission topic information, mission execution cycle information, and reward-related setting information provided upon achievement of the mission.

In addition, the consumption management device according to another embodiment of the present invention further includes a content management unit that provides at least one financial education content among a plurality of financial education content pre-registered in a content DB to the parent terminal, and the content management unit can provide a community space where communication with other parents is possible in relation to the at least one financial education content.

In addition, the consumption management apparatus according to another embodiment of the present invention further includes a registration unit that obtains user information including information on a child card issued by a parent from a parent terminal, registers and manages the user information in a user DB, and the compensation management unit may provide cashback points according to the use of the child card to the child terminal as the reward when use of the child card by the child is detected.

The above-described means for solving the problems is only illustrative and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, additional embodiments may exist in the drawings and detailed description of the invention.

According to the above-described problem solving means of the present invention, by providing a consumption management device (ie, a consumption management device for confirming child card consumption based on card company linkage and a consumption management device for managing consumption habits for child financial education) and a method, parents and children can easily start high-quality financial education early, and children can safely experience economic activities and financial markets in advance in the form of 'habit-goal-compensation-consumption-savings-investment', and enable children to form healthy and safe consumption and savings habits, so that children can have more correct We can help you grow with economic ideas.

However, the effects obtainable in the present invention are not limited to the effects described above, and other effects may exist.

1 and 2 are diagrams showing a schematic configuration of a consumption management system including a consumption management device according to an embodiment of the present invention.
3 to 13 are views for explaining a consumption management device according to an embodiment of the present invention.
14 is an operational flowchart for a consumption management method according to an embodiment of the present invention.
15 is an operational flowchart of a consumption management method according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail so that those skilled in the art can easily practice the present invention with reference to the accompanying drawings. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification of the present invention, when a part is said to be "connected" to another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" or "indirectly connected" with another element in between.

Throughout the specification of the present invention, when a member is said to be located “on”, “upper”, “upper”, “under”, “below”, or “lower” another member, this includes not only the case where a member is in contact with another member, but also the case where another member exists between the two members.

Throughout the specification of the present invention, when a part "includes" a certain component, it means that it may further include other components without excluding other components unless otherwise stated.

1 and 2 are diagrams showing a schematic configuration of a consumption management system 100 including a consumption management device 10 according to an embodiment of the present invention. 3 to 13 are views for explaining the consumption management device 10 according to an embodiment of the present invention.

Hereinafter, for convenience of description, the consumption management device 10 according to an embodiment of the present invention will be referred to as the present device 10, and the consumption management system 100 according to an embodiment of the present invention will be referred to as the present system 100. In addition, in the following description of the present invention, matters shown (described) in FIGS. 1 to 13 may be equally applied to the description of the present device 10 even if omitted below. That is, the device 10 may provide various functions and information shown in FIGS. 1 to 13 .

1 to 13 , the system 100 may include the device 10, a parent terminal 3, a child terminal 4, a child card 5, and a card company server 6. Also, the present system 100 may include a card member store 7 .

According to one embodiment of the present invention, the present device 10 may be implemented as a consumption management device for checking consumption of a child card based on card company linkage, and according to another embodiment of the present invention, it may be implemented as a consumption management device for managing consumption habits for financial education of children. That is, the device 10 (consumption management device) may be otherwise referred to as a consumption management device for checking consumption of a child's card based on card company connection, a consumption management device for managing consumption habits for financial education of children, and the like.

This device 10 enables parents and children to easily start high-quality financial education early, enables children to safely experience economic activities and financial markets in advance in the form of 'habit-goal-compensation-consumption-savings-investment', and enables children to form healthy and safe consumption and savings habits, so that children can grow up with the right economic concept. That is, the present device 10 allows parents to check and control their children's card consumption in conjunction with a credit card company, manages their children's pocket money for their children's financial education, educates them in relation to their consumption, savings, investments, etc., provides rewards according to whether or not their children achieve missions, and is related to a consumption management device capable of managing and educating their children's consumption habits. The device 10 relates to a consumption management device that allows parents to educate their children about proper consumption habits and motivate their children.

Users using the device 10 may include parents and children of the parents. The parent terminal 3 may refer to a terminal possessed by a user (parent) who has children among users of the device 10 . The child terminal 4 may refer to a terminal possessed by a child of a parent using the device 10 . Parents can be anyone of any age with children. Children considered in the present invention can be applied to anyone without particular limitation on gender, age, etc. These parents and children are all users of the present device 10 and may be otherwise referred to as consumers or the like. In addition, the parent terminal 3 and the child terminal 4 may be collectively referred to as a user terminal, a terminal, a consumer terminal, and the like.

In the present invention, the user terminal (ie, each of the parent terminal 3 and the child terminal 4) is, for example, PCS (Personal Communication System), GSM (Global System for Mobile communication), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (WCode Division Multiple Access) , Wibro (Wireless Broadband Internet) terminal, smart phone (Smartphone), smart pad (SmartPad), tablet PC, notebook, wearable device, desktop PC, and the like, and may include all types of wired and wireless communication devices, but are not limited thereto.

The device 10 may be, for example, a device that can be implemented in the form of a program or application (app, app) installed on a user terminal (ie, each of the parent terminal 3 and the child terminal 4). In other words, the consumption management method provided through the device 10 may be implemented in the form of a program or application, for example, and provided to users (ie, parents or children) through the user terminal. However, it is not limited thereto, and as another example, the device 10 may be provided in the form of a server capable of transmitting and receiving data with a user terminal, and the device 10 provided in the form of a server may control the operation (eg, screen display) of a user terminal connected to a program or application provided by the device 10. In the description with reference to FIG. 1 , the device 10 will be described as being provided in the form of a server as an example, and in this case, the device 10 may be otherwise referred to as a server, a consumption management server, and the like. In addition, the consumption management service provided by the device 10 may be referred to as a pedal service, and accordingly, the device 10 may be referred to as a pedal server, a pedal device, and the like.

In addition, in the present invention, the application (app, app) provided by the device 10 is a consumption management application, which may be referred to as this app (pedal app) for convenience of description. The device 10 may provide a consumption management platform (this platform) through the provision of this app.

The device 10 may provide a web page, app page, program, or application related to consumption management (or provision of a consumption management service) to user terminals owned by users using the device 10 (i.e., to the parent terminal 3 and the child terminal 4, respectively), through which users (i.e., parents and children) may use the consumption management service provided by the device 10.

The child card 5 may mean a card used by the child. That is, in the present invention, parents can receive (acquire) and receive (acquire) a child card 5 through the device 10, and provide (transfer) the issued child card 5 to their child so that the child can use it. The child card 5 may be a prepaid card, and may be otherwise referred to as a pedal prepaid card.

As the child card 5 is a prepaid card, for example, the parent terminal 3 can pay (provide) pocket money to the child through the device 100 by depositing the pocket money given to the child into an account associated with the child card 5. Accordingly, the child can use (use) the child card 5 to pay for purchases of food, goods, etc. You can spend the money you receive.

That is, the device 10 allows the child of the child terminal 4 to consume pocket money paid to an account linked to the child card 5 by using the child card 5 . In addition, the present device 10 provides an environment in which pocket money paid from the parent terminal 3 at the child terminal 4 or cashback points provided from the compensation management unit 17 through the use of the child card 5 are available for stock investment (i.e., investment such as buying stocks).

For example, the child may register stock automatic accumulation setting information in the child terminal 4 in advance, and accordingly, when the device 10 provides a reward to the child as the child achieves the mission information previously set by the parent, the reward provided is provided (deposit, payment) to the child account corresponding to the child terminal 4 (for example, the child's free deposit and withdrawal account associated with the child terminal 4), but the automatic stock accumulation setting information is already registered in the child terminal 4 If it is detected that there is, it is possible to control so that at least some of the compensation paid to the child account is automatically accumulated (order, purchase, investment) in stocks corresponding to pre-registered stock automatic accumulation setting information. Here, the automatic stock accumulation setting information is, for example, among a plurality of mission information that the child can perform, any one mission information linked to the stock investment target item in the stock automatic accumulation setting information (ie, the amount to be invested in the stock investment item from the parent. Mission information that the child must perform), stock investment target item (ie, information on the industry or company that is the stock investment target that the child is interested in), and investment amount information (ie, amount information to be automatically accumulated). According to this, by pre-registering the stock automatic accumulation setting information through the child terminal 4, the reward (for example, money) provided by the parent is automatically invested each time a specific mission is performed in the stock investment target item set by the child.

Here, the child account for which compensation is provided refers to the child's free deposit and withdrawal account associated with the child terminal 4, which is, for example, a plurality of virtual accounts created to correspond to the child card 5. It may mean any one of the virtual accounts. That is, when the child card 5 is registered in the user DB 12, the control unit 14 may create, for example, an free access account corresponding to the child card 5 as a representative virtual account. In addition, as will be described later, if usage-related setting information is registered in the parent terminal 3 and a plurality of designated usages are included in the usage-related setting information, the control unit 14 can create a plurality of designated virtual accounts corresponding to each of the plurality of designated usages (i.e., a plurality of designated virtual accounts corresponding to designated usages). According to this, when the setting information related to the place of use is registered in the parent terminal 3, a plurality of virtual accounts may be created in the child card 5 to correspond to the child card 5.

At this time, the amount of money deposited into the representative virtual account may be an amount that can be used as a child card 5 in all places where the child uses it without restrictions (card merchants). On the other hand, the amount of money deposited into the plurality of designated virtual accounts may be the amount that the child can use as the child card 5 only at the designated usage corresponding to each designated virtual account (ie, the designated usage designated in advance by the parent). At this time, the money deposited into the plurality of virtual accounts may be, for example, the money provided through the transfer of pocket money from the parent terminal 3, or the money of compensation provided by the reward management unit 17 as the child achieves the mission.

At this time, the function of automatically accumulating stocks (order, purchase, investment) based on the automatic stock accumulation setting information registered by the child in advance is a function of performing automatic stock accumulation and an automatic stock order service provision function in the present invention. It can be referred to as terms such as.

In the foregoing description, it has been exemplified that the automatic accumulation of stocks (ie, the automatic stock ordering service provision function) is performed based on the reward (for example, money) provided when the mission is accomplished, but this is only one example to help understanding of the present invention, and is not limited thereto, and the automatic stock accumulation (ie, the function to provide the automatic stock ordering service) is not only the reward provided when the mission is accomplished, but also the pocket money provided by the parents and the cashback points provided by the reward management unit 17 by the use of the children's card 5. It may be based on (using).

In addition, in the present invention, for example, when a parent is issued a child card 5, the issued child card 5 is provided to the child so that the child can use it, but this is only one example to help the understanding of the present invention, and is not limited thereto. As another example, in the present invention, parents can be issued a parental card that can be used by parents as well as a child card 5 that can be used by children. According to this, the parent can confirm and control the consumption of the child by receiving the child's card usage history information and analysis information analyzed based on the child's card 5 using the child's card 5, Also, by using the parent's card, the parent can receive cashback points according to the use of the parent's card, and can invest in stocks with the provided cashback points like their children.

When the card company server 6 receives a card issuance request from the device 10, it issues and provides a child card 5 to the parent terminal 3 in response to the received card issue request. It may mean a server of a card company associated with the device 10. The card company server 6 may provide usage history information (usage record information) of the child card 5 to the device 10 in response to a request for providing usage history information provided by the device 10 . In addition, the card company server 6 may provide member store list information, which is a list of member stores associated with the child card 5, to the device 10 in response to a request for providing the member store list information provided by the device 10. The card company server 6 interworks with the device 10 and the card merchant 7 between the device 10 and the card merchant 7 to process a card payment approval request (data processing). Data can be transmitted and received.

The card affiliated store 7 may refer to an affiliated store (store, store, company, branch, etc.) capable of purchasing and selling various products related to food and goods. The card merchant 7 may include not only offline stores (stores) but also online stores (stores). The card member store 7 may be a member store linked (affiliated) with the child card 5 or may be a non-linked member store.

The device 10 may transmit/receive data by interlocking with each of the parent terminal 3, the child terminal 4, and the card company server 6 through the network 2. In addition, as another example, the device 10 may transmit/receive data by interlocking with the card affiliate store 7 through the network 2.

The network 2 includes, for example, a 3rd Generation Partnership Project (3GPP) network, a Long Term Evolution (LTE) network, a World Interoperability for Microwave Access (WIMAX) network, the Internet, a Local Area Network (LAN), a Wireless Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), a Bluetooth network, a Near Field Communication (NFC) network, a satellite broadcasting network, an analog broadcasting network, and a digital multimedia (DMB). Broadcasting) network, etc., but is not limited thereto, and may include various wired/wireless communication networks.

Hereinafter, the apparatus 10 will be described in more detail. 1 to 13, the apparatus 10 may include a registration unit 11, a user DB 12, a card management unit 13, a control unit 14, a habit formation management unit 15, a mission information DB 16, a reward management unit 17, a content management unit 18, and a content DB 19.

The registration unit 11 may obtain user information including information on the child card 5 issued by the parent from the parent terminal 3 and register and manage the user information in the user DB 12 .

Here, the user information may include, for example, parent information and child information. Parent information may include information such as a parent's name, login ID and password. The child information may include the name of the child, card number information of the child card 5 to be used by the child, and the like. When parents have two or more children, user information may include child information for each of a plurality of children (ie, child information for each child).

Although not shown in the drawings, the apparatus 10 may include a card issuance management unit (not shown). When a card issuance request is made from the parent terminal 3, the card issuance management unit (not shown) makes a card issuance request to the card company server 6 in response to the card issuance request, and accordingly, the card company server 6 responds to the card issuance request. Issuing the child card 5 and providing (delivery, delivery) to the parent terminal 3 can be controlled. Accordingly, the parent can input the information of the child card 5 issued and received through the card issuance application into the parent terminal 3 possessed by the parent to upload the user information, and the register 11 can register (store) and manage the user information uploaded from the parent terminal 3 in the user DB 12.

The card management unit 13 acquires usage history information of the child card 5 according to the use of the child card 5 registered in the user DB 12 from the card company server 6, and analyzes and manages the obtained usage history information. That is, the card management unit 13, for example, when it is confirmed that the user information including the information of the child card 5 is registered (registration is completed) in the user DB 12, and then the card company server 6 to acquire the usage history information of the child card 5 in real time, store and manage it in the information DB (not shown) in the device 10, and analyze the usage history information of the child card 5 stored in the information DB (not shown). At this time, the card management unit 13 may perform usage history (history) analysis, card consumption pattern analysis, statistical analysis, and the like, based on the usage detail information.

The controller 14 may control each operation (for example, screen display) of the parent terminal 3 and the child terminal 4 . In addition, the control unit 14 can control the operation of each unit included in the device 10.

When a request for confirmation of the consumption information of the child card 5 is made in the parent terminal 3, the control unit 14 may provide the parent terminal 3 with at least some of the information stored in the information DB (not shown) and the analysis result information by performing the analysis performed by the card management unit 13 as consumption information of the child. Accordingly, the parent terminal 3 can check information such as the child's consumption content (ie, usage history information that is a history of consumption using the child card 5) and consumption type (pattern) through the consumption information provided from the control unit 14.

In addition, when the user information is registered (registered) in the user DB 12, the control unit 14 can display (designate) the destination of the child card 5 and set the usage amount for each set usage on the screen of the parent terminal 3. Here, the destination setting screen displayed on the screen of the parent terminal 3 may be the same as that shown in FIG. 5 , for example. The control unit 14 can control the location-related setting information input by the parent through the location-setting screen (i.e., location-related setting information acquired from the parent terminal 3) to be further registered and managed in the user DB 12 in association with user information.

That is, the parent may perform setting related to the usage place for the child card 5 through the usage setting screen displayed on the screen of the parent terminal 3 . The setting information related to the place of use, which can be input by the parent through the place of use setting screen, may include information on the place of use specified by the parents and information on the amount of money for each specified place of use designated by the parents.

Here, the information on the designated place of use designated by the parents may mean information of some affiliated stores (stores) allowed by the parents to use the child's card 5 among a plurality of merchants (for example, all on/offline stores on the globe where card payment is possible) where the child's card 5 can be used. The information on the designated user may include a brand name of the designated user and a branch name of the brand of the designated user. The setting information related to the place of use may include information on at least one specified place of use and information on a specified amount of use for each specified place of use.

Illustratively, if the parent has not registered setting information related to usage for the child card 5, the number of stores (locations) that can be used as the child card 5 may be, for example, 100. If you have set 'CU (convenience store) Gongdeok Station Store' as information, your child may be able to use the child card (5) only at the CU convenience store of Gongdeok Station among all CU convenience stores nationwide.

In addition, the specified amount of use information in setting information related to the place of use may refer to information set by the parents as information on the amount of money that can be used with the child card 5 at the specified place of use designated by the parents. That is, the designated usage amount information may mean information on the maximum usage amount (for example, 50,000 won) that can be maximally available at the designated usage place.

Exemplarily, among the usage amount information for each designated usage within the setting information related to the usage, information such as 'first designated usage: CU (convenience store) Gongdeok Station Branch, 50,000 won' is set (registered) as 'designated usage amount information of the first designated usage', and information such as 'second designated usage: Burger King (hamburger house) Gangnam Station, 70,000 won' is set (registered) as 'designated usage amount information of the second designated usage', the child is public among CU convenience stores nationwide. You can only use up to 50,000 won with your child's card (5) only at the CU convenience store in Deokyeok branch, and you can only use up to 70,000 won with your child's card (5) only at Burger King at the Gangnam Station branch among Burger King branches nationwide. According to this, even if a total of 120,000 won, including 50,000 won and 70,000 won, is charged in the child's card 5, if the child is not set as a designated place of use (eg, Jajangmyeon restaurant) If you try to use (pay) with the child's card 5, the payment may not be processed normally and the payment may fail at that place (ie, the black bean paste restaurant).

As the child card 5 is a prepaid card, the above-mentioned designated usage amount information may refer to prepaid amount information that parents have charged in the child card 5 in advance.

For example, when the controller 14 detects that the parent terminal 3 has completed setting (designation) of any one of the plurality of merchants as the first designated usage destination on the usage setting screen (for example, when it detects that the CU merit points have been set as the first designated usage destination), then creates a first virtual account (ie, first designated virtual account) corresponding to the set first designated usage destination, and then creates a first virtual account created in the parent terminal 3 The operation of the parent terminal 3 may be controlled so that the parent terminal 3 charges an amount corresponding to a usage amount (ie, designated usage amount information) to be set in the first designated place of use through transfer. For example, if the parent intends to set the amount of use for the first designated place of use to 50,000 won, after the first virtual account is created, the parent terminal 3 can transfer (remit) 50,000 won from their own account (parent account) to the first virtual account, and upon completion of the transfer, the setting of the amount of money for the first designated place of use can be completed at 50,000 won. Accordingly, the child may be able to spend up to 50,000 won at the first designated place of use with the child card 5 .

When the parent terminal 3 sets a plurality of designated places of use as designated places of use on the place of use setting screen, the control unit 14 can create a plurality of designated virtual accounts (i.e., virtual accounts corresponding to a plurality of designated places of use) in a 1:1 correspondence to each of the plurality of designated places set by the parent, and then control each of the plurality of designated virtual accounts created thereafter to transfer an amount desired by the parent individually. That is, the control unit 14 may allow the parent terminal 3 to set different usage amounts (designated usage amounts) for each of a plurality of designated usage places. In addition, the information on the amount of money for each place of use (that is, information on the amount of money for each place of use that can be set by the parent) in the setting information related to the place of use may be variable information (information that is variablely set) according to the transfer amount in the parent terminal 3. For example, if the parent transfers 50,000 won through the parent terminal 3 at the time the first virtual account is created, the amount of use at the first designated place of use corresponding to the first virtual account is set to 50,000 won.

In this way, the present device 10 provides the usage setting screen to the parent terminal 3, so that the parent can set/designate a plurality of usages (i.e., a plurality of designated usages) for the child card 5, and set/designate the usage amount (designated usage amount) for each of these designated usages differently for each designated usage.

When a parent sets a plurality of designated usage points in relation to the child card 5, the control unit 14 creates a plurality of designated virtual accounts to correspond 1: 1 to each of the plurality of designated usage points, and then maps the child card 5 to register and manage. Here, the plurality of designated virtual accounts may be differently referred to by terms such as a plurality of virtual accounts corresponding to a designated use, a plurality of virtual accounts, and the like. According to the foregoing, a plurality of virtual accounts may be created to correspond to the child card 5, and here, the plurality of virtual accounts may include one representative virtual account (ie, free deposit and withdrawal account) generated by default when registering the child card 5 in the user DB 12, and a plurality of designated virtual accounts created according to the number of designated usage designated by the parents (ie, virtual accounts corresponding to a plurality of designated usage).

In relation to the child card 5 to be used by the child, the present device 10 allows the parent to set (designate) in advance setting information related to the usage place (that is, information on the usage amount available to the child and the amount of money available at the usage place) through the usage setting screen. Through this, the device 10 allows parents to prevent their children from indiscriminate consumption with the child card 5 . That is, the present device 10 allows parents to control (control) and limit their child's card consumption (that is, consumption using the child card 5, where the child card 5 can be used and the amount of use at the corresponding place) through input (registration) of setting information related to the place of use.

In addition, when a parent clicks on the location search button in the location setting screen, the control unit 14 requests the card company server 6 to provide member store list information, and displays the member store list information received from the card company server 6 on the screen of the parent terminal 3 in response to the request. Through this, the parent terminal 3 can perform setting of the use place (ie, setting of the designated use place) based on the affiliated store list information provided from the control unit 14 .

Here, the affiliated store list information displayed on the screen of the parent terminal 3 by the controller 14 may mean list information including information on affiliated stores linked (affiliated) with the child card 5 . For example, the parent terminal 3 may set at least one affiliated store among affiliated stores included in the affiliated store list information as a designated destination, based on the affiliated store list information. However, it is not limited thereto, and the parent terminal 3 may set at least one non-associated affiliated store among non-associated affiliated stores that are not associated with the child card 5 as a designated place of use. That is, the parent terminal 3 may set at least one affiliate store among all affiliate stores including affiliated affiliated stores and non-associated affiliated stores as a designated destination.

In addition, when it is detected that a card payment approval request has occurred due to the use of the child card 5 at the card merchant 7, the control unit 14 determines whether payment is possible using the child card 5 at the card merchant 7 in response to the detection, and controls the response to the card payment approval request to be approved or not approved according to the result of the determination.

Here, the determination of whether or not payment is possible may be made in consideration of setting information related to the usage pre-registered in the child card 5 (i.e., designated usage amount information for each designated usage), balance information of the child card 5, payment request amount information corresponding to the card payment approval request, and information of the card merchant 7. At this time, the balance information of the child card 5 considered when determining whether or not payment is possible may mean the current balance information currently remaining in the virtual account corresponding to the designated user card merchant if the card member store 7 is a member store corresponding to a designated user registered (set) in the user-related setting information.

Therefore, when the card payment approval request occurs in relation to the child card 5 due to the use of the child card 5, the control unit 14 first checks whether the card merchant 7 is a pre-registered (set) designated place of use, and if the card merchant 7 is a pre-registered designated place of use, checks the balance information remaining in the virtual account corresponding to the card merchant 7 in the child card 5, and if the checked balance information is greater than the payment request amount information, the card A response to the payment approval request may be controlled to be provided to the card affiliated store 7 with approval allowed. According to the approval permission, the card merchant 7 may process the card payment approval request as normal payment completion (ie, use of the child card 5 is completed normally).

If the checked balance information is smaller than the payment request amount information, the control unit 14 may control a response to the card payment approval request to be rejected and provided to the card affiliated store 7 . According to the approval disapproval, the card merchant 7 may process the card payment approval request as a payment failure (ie, failure to use the child card 5).

In addition, the control unit 14 checks whether the card member store 7 is a pre-registered (set) designated user, and if it is confirmed that the card member store 7 is not a pre-registered designated user, similarly, the control unit 14 can control a response to the card payment approval request to be disapproved and provided to the card member store 7. The above process can be more easily understood with reference to the details shown in FIG. 2 .

That is, referring to FIG. 2 , the parent terminal 3 may upload user information including information of the child card 5 to the device 10 to be registered in the device 10 . Thereafter, the parent terminal 3 may, for example, click a location search button to set a location (setting a designated location), and in response to this, the device 10 may request the card company server 6 to provide member store list information, receive the member store list information from the card company server 6, and display the information on the screen of the parent terminal 3. The parent terminal 3 can register (set) in the device 10 by inputting usage related setting information (i.e., designated usage amount information for each designated usage place) in relation to the child card 5 based on the provided member store list information. Thereafter, the parent may provide (deliver) the child card 5 to his or her child so that the child can use the child card 5 .

Then, for example, when a child uses (pays for) a child card 5 at a card merchant 7, the card merchant 7 requests credit card payment approval to the card company server 6, and accordingly, the card company server 6 may request confirmation of payment availability through the device 10. Thereafter, the present device 10 determines whether or not payment is possible, and provides a judgment result (i.e., approval allowed or not approved), which is a result of the judgment, to the card company server 6. The card company server 6 may provide the received judgment result to the card merchant 7. Depending on the determination result, the card merchant 7 may process the child's use (payment) of the child card 5 at the card merchant 7 as normal payment completion or payment failure.

As described above, the present device 10 may allow parents to check card consumption contents of their children, and provide them to form safer consumption and savings habits. In addition, the present device 10 provides a usage setting screen to the parent terminal 3, so that the parents can set usage related settings in relation to the child card 5, that is, limit usage and set the usage amount for each branch (member store) through the child card 5.

In addition, the device 10 may provide a child location check function that allows parents to check the location of their children, regardless of whether or not the child card 5 is consumed (used), for example. Children considered in the present invention may be in the lower grades of elementary school, etc., but are not limited thereto and are not particularly limited in age.

The habit formation management unit 15 may receive mission information for habit formation related to consumption and savings of children using the child card 5 from the parent terminal 3 , and register and manage the mission information DB 16 . The parent terminal 3 may register at least one piece of mission information in the unseon information DB 16 in advance.

The compensation management unit 17 may determine whether or not the child has achieved a mission for the mission information registered in the mission information DB 16 and provide a reward to the child terminal 4 according to whether or not the mission has been achieved. A description of setting mission information can be more easily understood with reference to FIGS. 6 to 8 .

6 to 8, the mission information considered by the habit formation management unit 15 may mean mission information provided (granted) by parents to their children in order to form the right consumption habits of their children in relation to their children's consumption and savings. That is, mission information may refer to information registered by parents.

The mission information may include mission subject information (mission name), mission performance cycle information, and reward-related setting information provided when the mission is accomplished. Here, the mission subject information means a mission title, and exemplarily may include housework information related to making blankets, housework, errands, putting dishes in the sink after eating, folding quickly, and the like.

The mission performance cycle information is information about when to perform the mission information registered by the parents, and may include, for example, day of the week information. Mission execution cycle information may be set as one-time or weekly.

Reward-related setting information may refer to setting information about a reward provided to the child in relation to the mission information registered by the parent when the child achieves the mission. That is, reward-related setting information may refer to reward-related setting information for encouraging children to achieve (successfully) mission information given to them.

Such reward-related setting information may include reward amount information (for example, 2,000 won, 5,000 won, etc.), and interest rate setting information related to interest paid by parents to their children. Here, the interest rate setting information may include interest rate percentage information and interest payment date information. At this time, the amount of interest paid to the child (i.e., the amount of interest) is, for example, the interest rate setting information set by the parents (for example, interest rate percentage information: 18%, interest payment date information: the first day of each month) and the mission achievement rate of the mission information (eg, the mission achievement rate for a plurality of corresponding mission information performed in the month in which interest is paid) and the interest payment date on which interest is paid (ie, the first day of each month set by the parents). Accordingly, it may be set in consideration of the accumulated reward amount (ie, the accumulated reward amount received by achieving the corresponding mission information in the month prior to the interest payment date).

Exemplarily, among the plurality of mission information registered by the parents, the first mission information, which is one mission information, is 'mission name: change the blanket, mission performance cycle: every day, reward amount information: 2,000 won, interest rate percentage information: 18%, interest payment date information: the first day of each month'. And, in relation to the first mission information, as the child achieves the mission every day of the total 30 days of this month (i.e., mission success), the cumulative reward amount that the child receives this month is 60,000 won (i.e., 2,000 won X 30 days = 60,000 won), and the mission achievement rate is 100%. In this case, in relation to the first mission information, for example, the reward management unit 17 may provide an amount corresponding to '10800 won (for example, cumulative compensation amount of 60,000 won X mission achievement rate 1 X interest rate percent information 0.18 = 10800 won') as interest according to the mission achievement of the first mission information last month to the child account corresponding to the child terminal 4 on the 1st of the next month. Here, the child corresponding to the child terminal 4 to which interest is provided The account may mean, for example, a representative virtual account (ie, free deposit and withdrawal account) among a plurality of virtual accounts created to correspond to the child card 5 .

As another example, if only half of the total 30 days in relation to the first mission information is successful and the mission achievement rate is 50%, the compensation management unit 16 is '2700 won (for example, cumulative reward amount of 30,000 won (ie, 2,000 won X 15 days = 30,000 won) X mission achievement rate 0.5 X interest rate percent information 0.18 = 2700 won as interest according to the mission achievement of the first mission information on the 1st of the next month) It may be provided to the child terminal 4 (in particular, a child account corresponding to the child terminal).

The interest rate percentage information in the interest rate setting information may be referred to as a monthly interest payment rate or the like, and may be set to any one of 5% or more and 20% or less as an example. That is, the parent can register a plurality of mission information in the mission information DB 16 through the parent terminal 3, and at this time, the interest rate percentage information for each of the plurality of mission information can be set to any one of 5% or more and 20% or less. That is, the parent may freely set the interest payment rate (interest rate percentage information) of the interest to be paid to the child by the parent for each mission information.

The device 10 enables parents to register (set) mission information and provides a function of giving a reward according to whether or not the child achieves the mission, thereby forming habits of the child and fostering the ability to set goals. That is, the present device 10 helps children to form healthy habits in relation to consumption and savings, helps children set goals for the amount they want to save (that is, sets the target amount they want to collect by themselves through the accumulation of rewards provided), and educates children to form healthy habits by enabling them to perform given missions to achieve the set goals.

In addition, for example, when determining whether a child has accomplished (successfully) any one of a plurality of mission information registered by the parent (for example, a mission to tidy up the futon), the compensation management unit 17 may determine that the mission has been accomplished, for example, when the child clicks on a mission completion button displayed on the screen of the child terminal 4 (in particular, a mission completion button generated to correspond to any one of the mission information). That is, determination of whether or not the mission is accomplished for any one of the mission information may be made based on whether or not the child terminal 4 detects a child's click input to the mission completion button. After performing the corresponding mission information, the child may click the mission performance completion button displayed on the screen of the child terminal 4, and accordingly, the compensation management unit 17 determines that the user has achieved the corresponding mission and provides a reward.

However, if the child simply clicks on the mission completion button to determine whether or not the child has achieved the mission and gives the reward, for example, the child simply clicks the mission completion button without actually performing the mission information. There may be a case of receiving a reward. In order to solve this problem, for example, the reward management unit 17 determines that the child has accomplished the mission only when the child clicks input on the mission completion button corresponding to any one of the mission information on the child terminal 4, and then the parent terminal 3 also clicks on the mission completion button corresponding to the one mission information displayed on the screen of the parent terminal 3.

The reward manager 17 may provide a reward (reward) to the child account corresponding to the child terminal 4 based on the reward-related setting information that the parent has previously set (registered) in any one mission information when the child achieves (successfully) any one mission information among a plurality of mission information previously registered by the parent.

In addition, in providing a reward to the child terminal 4 according to the mission achievement (success) of any one of the above mission information, the reward management unit 17 provides a reward to the child account (for example, a free deposit and withdrawal account) when it is detected (confirmed) that stock automatic accumulation setting information is pre-registered in the child terminal 4 as described above, but at least a portion of the amount of compensation provided to the child account automatically stocks corresponding to the stock automatic accumulation setting information previously registered by the child (ie, the child Stocks of a specific company selected) can be controlled to be automatically accumulated (order, purchase, investment), which can be referred to as an example of a stock automatic ordering service provision function. That is, the compensation management unit 17 may provide a function of providing an automatic stock ordering service to the parent terminal 3 and the child terminal 4, and this automatic stock ordering service provision function may refer to a function in which a child achieves a mission and automatically orders stocks of a company selected in advance by the child himself/herself in the form of an accumulation system with the amount of compensation provided from the parent terminal 3 to automatically purchase stocks (order, investment).

In this way, the reward management unit 17 provides a reward according to the child's achievement of the mission, for example, in a first method corresponding to an automatic reward payment function or in a second method corresponding to an automatic stock order service providing function. Can be provided.

Also, as described above, the habit formation management unit 15 may receive at least one piece of mission information from the parent terminal 3, register it in the mission information DB 16, and manage it.

At this time, if it is confirmed that the habit formation management unit 15 has registered at least one mission information in the mission information DB 16, the parent terminal 3 may provide an inquiry message asking whether or not to approve additional registration of the smartphone-based reward mission information to the parent terminal 3. At this time, when a consent response is received as a response to the inquiry message from the parent terminal 3, the habit formation management unit 15 obtains a terminal usage record (eg, a log record of terminal usage of the child terminal 4) of the child terminal 4 for a predetermined past period (eg, the past two months) from the time when the consent response is received from the child terminal 4, analyzes the obtained terminal usage record, derives monthly average usage time information, and displays it on the screen of the parent terminal 3. . Here, the monthly average usage time information may mean usage time information that the child uses the child terminal 4 on average per month for a preset past period. Here, the child terminal 4 may be, for example, a smart phone. The terminal use record may be information that is always recorded in real time by itself within the child terminal 4 .

After providing the derived monthly average usage time information on the screen of the parent terminal 3, the habit formation management unit 15 may receive, for example, goal setting information set based on the derived monthly average usage time information from the parent terminal 3, and then additionally register smartphone-based reward mission information including the goal setting information input from the parent terminal 3 in the mission information DB 16. After the smartphone-based reward mission information is additionally registered in the mission information DB 16, the reward management unit 17 obtains a terminal use record from the child terminal 4 on a monthly basis, for example, and checks monthly average usage time information of this month every month. Then, based on the goal setting information in the smartphone-based reward mission information, the reward amount can be differentially provided (paid) to the child terminal 4 according to the level of the checked monthly average usage time information of this month.

At this time, the parent terminal 3 may input target setting information in which compensation amount information for each target time reduction is set based on monthly average usage time information displayed on the screen. Illustratively, the compensation amount information for each of the plurality of target time reductions includes compensation amount information for each of four target time reductions, such as 15 minutes or more - 1500 won, 30 minutes or more - 3000 won, 45 minutes or more - 4500 won, and 60 minutes or more - 6000 won.

Illustratively, it is assumed that monthly average usage time information for the past two months (for example, October and November) is derived as 5 hours. This may mean that the child uses the child terminal 4 for an average of 5 hours per month.

And, let's assume that as a result of checking the monthly average usage time information (ie, this month's average monthly usage time information) of the child terminal 4 of the child in this month (ie, December), it is confirmed that it is 4 hours and 45 minutes. In this case, the compensation manager 17 determines that the child has achieved the mission with the smartphone-based reward mission information, and provides 1,500 won to the child terminal 4 as a reward this month. That is, for example, the compensation management unit 17 may provide 1,500 won to the child terminal 4 as a reward, and if the time reduction is greater than 30 minutes and less than 45 minutes, provide 3,000 won to the child terminal 4 as a reward, if the amount of time reduction is 15 minutes or more and less than 30 minutes, compared with the past average monthly usage time information of this month, which is confirmed for this month.

In the above description, as an example, in relation to smartphone-based reward mission information, it is illustrated that compensation is provided in preparation for average usage time information on a 'monthly basis', but this is only an example to help understanding of the present invention, and is not limited thereto.

The biggest problem between parents and their children these days is the conflict caused by their children's smartphone usage time. In other words, the smartphone usage time of children is too long, which often causes parents to scold their children, which tends to deepen conflicts between parents and children.

In order to solve this problem, the present device 10 measures and analyzes the usage time of the child terminal 4 (ie, the smartphone), and the smartphone-based reward mission information based on this is registered in the mission information DB 16 (Setting) can be controlled. The present device 10 induces parents to register smartphone-based reward mission information, through which a target for the use time of a child's smartphone (child terminal) is set, and the child uses the smartphone (child terminal) less. According to this, the child can make an effort to reduce the phone usage time of the smartphone (child terminal) when the child wishes to receive more pocket money through the smartphone-based compensation mission information. That is, the present device 10 allows registration (setting) of smartphone-based compensation mission information to effectively resolve conflicts between parents and children due to smartphone usage time.

Also, referring to FIG. 9 , the control unit 14 may provide an automatic allowance payment setting function to the parent terminal 3 . The automatic payment setting function of pocket money may refer to a function enabling easy remittance of pocket money from the parent terminal 3 to the child terminal 4 .

To this end, for example, the controller 14 may provide an automatic allowance payment setting screen to the parent terminal 3 as shown in FIG.

Here, the automatic allowance payment setting screen may include a plurality of virtual accounts created to correspond to the child card 5 registered by the parent terminal 3 . As an example, in FIG. 9 , it can be confirmed that a total of six virtual accounts are included, including one representative virtual account (ie, free deposit and withdrawal account) and five designated virtual accounts (ie, virtual accounts corresponding to five designated places of use) among the plurality of virtual accounts created to correspond to the child card 5. The five designated virtual accounts may mean, for example, designated virtual accounts created to correspond to each of the five designated places of use (ie, a stationery store, a mart, a convenience store, a restaurant, and an Internet cafe).

In addition, the automatic allowance payment setting screen may include not only a plurality of virtual accounts (for example, six virtual accounts) created to correspond to the child card 5, but also at least one child's name that is not linked to the child card 5. A separate account (for example, a child's savings account) may be included.

The parent terminal 3 can select (or sequentially select at least one account) from among a plurality of virtual accounts and separate accounts included in the automatic pocket money payment setting screen displayed on the screen (or select at least one account in order) to which pocket money is to be paid, select a withdrawal account (i.e., the parent's account) from which the pocket money to be paid is to be withdrawn, set the desired amount to be paid (i.e., remittance amount), and then click the remittance button. In this way, when the parent terminal 3 detects that a parent's click input is made on the remittance button in the automatic allowance payment setting screen, the control unit 14 can control such that the withdrawal amount is deposited into the selected salary desired account after withdrawing the remittance amount from the withdrawal account set in the automatic allowance payment setting screen in response to the click input on the remittance button.

In this way, the parent terminal 3, through the automatic payment setting screen for pocket money, for a plurality of virtual accounts created to correspond to the child card 5 and a separate account in the name of the child, the parent's pocket money to be provided to the child can be conveniently paid (transfer, remittance) to the desired account.

In addition, the registration unit 11 may acquire user information including the child card 5 issued by the parent from the parent terminal 3 as described above, register it in the user DB 12, and manage it. At this time, the compensation manager 17 may provide cashback points according to the use of the child card 5 to the child terminal 4 as a reward when use (payment) of the child card 5 by the child is detected. The compensation management unit 17 may, for example, provide cashback points to the child terminal 4 as a reward according to a preset cashback standard (in particular, to a free deposit and withdrawal account, which is a representative virtual account corresponding to a child card).

The predetermined cashback criteria may be set, such as 1% of the amount of money used by the children's card 5 per payment, for example. For example, if the use (payment) of 10,000 won at a restaurant with the child card 5 is detected, the compensation management unit 17 provides 100 won, which is an amount corresponding to 1% of 10,000 won, as a cashback point (reward) to the child terminal 4.

At this time, the child terminal 4 may set the compensated cashback points to be automatically accumulated as stocks for the reward provided as cashback points, for example, and for this purpose, the child terminal 4 may register the aforementioned stock automatic accumulation setting information in advance. Therefore, when the reward manager 17 provides cashback points to the child terminal 4 as a reward, the controller 14 automatically accumulates stocks pre-registered by the child for the cashback points for which the child terminal 4 has been compensated.

Here, the stock automatic accumulation setting information is, for example, trigger condition information for performing stock automatic accumulation, stock investment target items (ie, stock investment target items that children are interested in), and investment amount information (that is, information about the amount to be automatically accumulated) may be included. Here, the trigger condition information may refer to condition information that allows automatic stock accumulation to be performed. Such trigger condition information may be set, for example, when a child selects any one mission information among a plurality of mission information pre-registered by a parent, or when a child selects a cashback item.

For example, if the trigger condition information is set to any one mission information, this means that the child has set in advance so that the reward provided by the achievement of the mission is automatically accumulated as stock whenever the child achieves (successfully) the mission information on any one of the missions and receives a reward accordingly. As another example, if the trigger condition information is set as a cashback item, this may mean that the child has set in advance so that the cashback points provided are automatically accumulated as stocks whenever the child receives cashback points as a reward from the reward management unit 17 as the child uses the child card 5. As such, the control unit 14 may provide a stock automatic ordering service providing function to the child terminal 4 . Since the description of the automatic stock accumulation setting information has been described in detail above, a redundant description will be omitted. The control unit 14 may allow children to invest more easily (stock investment) based on the stock automatic accumulation setting information.

In addition, in the present invention, as an example, the automatic stock ordering service provision function is provided to children only for the child card 5, but is not limited thereto, and the parent terminal 3 registers the parental card in the user DB 12, the control unit 14 may provide the automatic stock ordering service provision function to the parent for the parental card.

When the child terminal 4 registers stock automatic accumulation setting information in advance, the content management unit 18 may provide stock data related to an industry or company corresponding to stocks of interest to the child (ie, stock investment target items in the stock automatic accumulation setting information) to the child terminal 4 as customized data.

In addition, the content management unit 18 may provide at least one financial education content among a plurality of financial education content pre-registered in the content DB 19 to the parent terminal 3 . The content management unit 18 may provide a community space where communication with other parents is possible in relation to the at least one financial education content. A description of the content management unit 18 can be more easily understood with reference to FIGS. 11 to 13 .

11 to 13, a plurality of financial education contents registered in the content DB 19 may mean content related to any one of a plurality of subjects (various subjects) such as children's economic education, consumption, financial education, investment, stocks, financial technology, child development, health, parenting, and daily life. These plurality of financial education contents, as quality contents, can be divided into free contents and paid contents. That is, the plurality of financial education contents in the contents DB 19 may include paid contents related to economic education for parents and children.

The parent terminal 3 may search for desired financial education content among a plurality of financial education content registered in the content DB 19, and may receive and check at least one financial education content.

The parent terminal 3 may communicate with other parents through the community space provided through the content management unit 18, leave a comment in relation to at least one financial education content, or separately store and manage content of interest. In addition, the content management unit 18 may provide a following function through which the parent terminal 3 can follow other parents (or other users) who have uploaded specific content, a writing function through which a new article can be uploaded in a community space, and the like.

In addition, the content management unit 18 may secure potential customers and collect high-quality content related to financial education through main service distribution channels and A/B tests, and based on this, a plurality of financial education content may be provided to the parent terminal 3. The content management unit 18 may provide the parent terminal 3 with contents and templates related to economic education methods that can be easily learned with children in consideration of the characteristics of the target's dependence. In addition, the content management unit 18 may provide financial education content in the form of a webtoon that may be interested in economic education when providing financial education content to the child terminal 4, and enjoy or experience it together with parents. Can be made.

As described above, conventional financial education only transfers knowledge in a one-way form (i.e., provides educational services in the form of correct answers), and regardless of the individual's age or situation, only the degree of economic knowledge is considered. Learning is performed by level, and the focus is only on the delivery of economic concepts and investment-related information.

On the other hand, in providing financial education services, the present device 10 allows experience-based education in the form of two-way (for example, providing education in the form of no correct answers), and the form defined as financial education for each individual age and situation is different, and can be experienced by children in the form of 'habit-goal-compensation-consumption-savings-investment'.

The device 10 provides an environment in which children can safely experience economic activities and financial markets in advance, and can provide a life-friendly companion app for financial education of parents and children. That is, the device 10 may provide services related to paying children's pocket money and managing consumption habits.

As shown in FIG. 3, the device 10, for example, allows parents to have safe consumption, to form healthy habits for their children, to perform simple parental roles, to provide goals and motivation, to enable smooth communication with children and resolution of conflicts. In addition, the device 10 enables parents to give their children correct education, improve parental confidence, and enable correct economic education for their children.

In addition, the present device 10 can develop the ability of the child to control consumption, improve vitality through mission information (eg, housework mission, etc.) and receive compensation (compensation) for the amount of work done so that the correct economic concept can be formed, savings habits can be formed, investment can be learned, and smartphone usage time can be reduced. This device 10 can enable financial technology, self-development, mental health, consolation, and the like for children.

This device 10 provides a child card 5, which is a prepaid card, from the consumer's point of view, for example, since the child card 5 is a rechargeable card and functions such as limiting usage are added, it can help ensure safe consumption for children and strengthen the experience of experience-based financial education. In addition, by providing the child card 5, the device 10 allows the parents to provide pocket money to the child card 5 through direct debit or remittance rather than in real cash, so that the consumption of the pocket money provided to the child (ie, consumption for the use of the child card) can be confirmed, the child's consumption level can be effectively controlled, and the child's pocket money can be easily managed.

In addition, in providing the child card 5, the present device 10 can alleviate the burden of remittance fees when paying rewards each time in the form of a charge, increase the degree of freedom of content, and make it easy to access non-face-to-face account opening for children aged 8 to 13, the primary target, for example.

The device 10 may enable a parent community focused on quality information through the provision of the content management unit 18 . In addition, in providing financial education contents, for example, the device 10 can provide content information necessary for parents, such as children's economic education, child development, and health, to the parent terminal 3, and can provide content information necessary for children, such as financial technology, self-development, and personal health, to the child terminal 4.

In addition, the present device 10 may provide a mission setting function focused on habit formation to the parent terminal 3, and may also provide a function of providing a reward after measuring smartphone usage time.

The present invention, by providing the present device 10, in order to solve the problem of low-quality financial education provided from the existing supplier point of view, through practical financial experience such as card, investment, and high-quality information community To solve the conventional problem.

The device 10 can provide children with an experience (environment) in which they can invest together with their parents with a small amount of money, and can provide customized data (quality content, etc.) to parents.

The purpose of this device 10 is to provide quality information and experience-based financial education contents utilizing children's habit formation, investment, cashback, customized economic articles, and communities.

The device 10 may provide a function of forming a child's habit through mission achievement and compensation, a function of managing pocket money usage and simple remittance, and a function of allowing the child to directly propose a mission and achieve a goal.

Hereinafter, based on the details described above, the operation flow of the present invention will be briefly reviewed.

14 is an operation flowchart of a consumption management method (particularly, a consumption management method for checking child card consumption based on linkage with a credit card company) according to an embodiment of the present invention.

The consumption management method shown in FIG. 14 (particularly, the consumption management method for confirming child card consumption based on card company linkage) may be performed by the device 10 described above. Therefore, even if the contents are omitted below, the description of the device 10 can be equally applied to the description of the consumption management method (in particular, the consumption management method for checking consumption of a child card based on linkage with a credit card company).

Referring to FIG. 14 , in step S11, the registration unit may acquire user information including information on a child card issued by a parent from a parent terminal, register it in a user DB, and manage the user information.

Next, in step S12, the card management unit obtains usage history information of the child card according to the use of the child card registered in the user DB from the card company server, and analyzes and manages the obtained usage history information.

Next, in step S13, when a request for confirmation of the consumption information of the child card is made by the parent terminal, the control unit may provide at least some of the usage history information and analysis result information as consumption information to the parent terminal.

In the foregoing description, steps S11 to S13 may be further divided into additional steps or combined into fewer steps, depending on an embodiment of the present invention. Also, some steps may be omitted if necessary, and the order of steps may be changed.

15 is an operation flowchart of a consumption management method (particularly, a consumption management method for managing consumption habits for children's financial education) according to another embodiment of the present invention.

The consumption management method shown in FIG. 15 (particularly, the consumption management method for managing consumption habits for children's financial education) can be performed by the device 10 described above. Therefore, even if the content is omitted below, the description of the device 10 can be equally applied to the description of the consumption management method (in particular, the consumption management method for managing consumption habits for children's financial education).

Referring to FIG. 15 , in step S21, the habit formation management unit may receive mission information for habit formation related to consumption and savings of children from a parent terminal, register it in a mission information DB, and manage the mission information.

Next, in step S22, the reward management unit may determine whether or not the child's mission has been achieved for the mission information registered in the mission information DB, and may provide a reward (reward) to the child terminal according to whether or not the mission has been achieved.

In the foregoing description, steps S21 and S22 may be further divided into additional steps or combined into fewer steps, depending on the implementation of the present invention. Also, some steps may be omitted if necessary, and the order of steps may be changed.

The consumption management method according to an embodiment of the present invention (that is, the consumption management method for checking consumption of a child's card based on card company association and the consumption management method for managing consumption habits for financial education of children) is implemented in the form of program commands that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the medium may be those specially designed and configured for the present invention or those known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program instructions such as ROM, RAM, and flash memory. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices described above may be configured to act as one or more software modules to perform the operations of the present invention, and vice versa.

In addition, the above-described consumption management method according to an embodiment of the present invention (that is, the consumption management method for checking consumption of a child's card based on card company association and the consumption management method for managing consumption habits for financial education of children) may be implemented in the form of a computer program or application executed by a computer stored in a recording medium.

The above description of the present invention is for illustrative purposes, and those skilled in the art may understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. Therefore, the embodiments described above should be understood as illustrative in all respects and not limiting. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the claims to be described later rather than the detailed description above, and all changes or modifications derived from the meaning and scope of the claims and equivalent concepts thereof should be construed as being included in the scope of the present invention.

Claims (4)

a habit formation management unit receiving mission information for habit formation related to consumption and savings of children from a parent terminal, registering and managing mission information in a mission information DB;
a compensation management unit determining whether or not a child has achieved a mission for the mission information registered in the mission information DB, and providing a reward to the child terminal according to whether or not the mission has been achieved;
a registration unit that obtains user information including information on a child card issued by a parent from a parent terminal and registers and manages the user information in a user DB; and
Including a control unit for controlling the operation of each of the parent terminal and the child terminal,
The control unit,
When the user information is registered, a usage setting screen capable of setting the usage of the child card and setting the usage amount for each usage is displayed on the screen of the parent terminal, so that the parent can perform usage-related settings for the child card through the usage setting screen;
The setting information related to the place of use that can be input by the parent includes information on the place of use specified by the parent and information on the specified amount of money for each place of use designated by the parent;
The information of the designated user includes a brand name of the designated user and a branch name of the brand of the designated user,
The control unit,
If the parent sets the information of the designated usage as the first brand name, the child can use the child's card only at all first brand names nationwide among all usages available for the child's card,
If the parent sets the information of the designated usage as the first branch name of the first brand name, the child can use the child's card only at the usage place of the first brand name corresponding to the first branch name among all the usage places of the first brand name nationwide,
If the first branch name of the first brand name is set as the first amount as the designated usage amount information of the first designated usage within the setting information related to the usage, the child can use the first brand name corresponding to the first branch name up to the first amount,
When the usage-related setting information is registered in the parent terminal and a plurality of designated usages are included in the usage-related setting information, a plurality of virtual accounts are created in the child card to correspond to the child card,
The plurality of virtual accounts created to correspond to the child card include a representative virtual account, which is an free entry/exit account corresponding to the child card, and a plurality of designated virtual accounts created to correspond to each of the plurality of designated places of use,
The amount of money deposited into the above representative virtual account is the amount that the child can use as a child card in all places of use without restrictions,
The amount of money deposited into the plurality of designated virtual accounts is an amount that can be used by the child as a child card only at designated places corresponding to each designated virtual account,
The habit formation management unit,
If it is confirmed that the parent terminal has registered at least one mission information in the mission information DB, then an inquiry message asking whether or not to approve the additional registration of smartphone-based compensation mission information is provided to the parent terminal, and if an approval response is received as a response to the inquiry message, a terminal usage record of the child terminal for a predetermined past period from the time the consent response is received is obtained from the child terminal, and the obtained terminal usage record is analyzed to derive monthly average usage time information and display it on the screen of the parent terminal,
Thereafter, goal setting information set based on the derived monthly average usage time information is received from the parent terminal, and then smartphone-based reward mission information including the goal setting information input from the parent terminal is additionally registered in the mission information DB,
The compensation management department,
After the smartphone-based reward mission information is additionally registered in the mission information DB, terminal usage records are obtained from the child terminal on a monthly basis, monthly average usage time information for this month is checked every month, and then based on the goal setting information in the smartphone-based compensation mission information, the amount of compensation is differentially paid to the child terminal according to the level of the identified average monthly usage time information for this month,
The monthly average usage time information means usage time information that the child uses the child terminal on average per month for a predetermined past period, a consumption management device for managing consumption habits for child financial education. According to claim 1,
The mission information includes mission subject information, mission performance cycle information, and reward-related setting information provided when mission is achieved, consumption management device for managing consumption habits for children's financial education. According to claim 1,
Further comprising a content management unit for providing at least one financial education content among a plurality of financial education content pre-registered in the content DB to the parent terminal;
The content management unit provides a community space capable of communicating with other parents in relation to the at least one financial education content, a consumption management device for managing consumption habits for children's financial education. According to claim 1,
The reward management unit, when the use of the child card by the child is detected, to provide cashback points according to the use of the child card to the child terminal as the reward, consumption management device for managing consumption habits for child financial education.

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