KR20000059001A - service method for finance administration in internet - Google Patents

Abstract

PURPOSE: A financial management service providing method uniformed on the internet is provided for protecting a privacy of a client by managing an idle bank account and decreasing a certain load of a computer resource. CONSTITUTION: A financial company integration management web server(CCS) judges whether an access is requested by a certain user(na¯nn)(S1). If an access is requested, the routine goes to S2. A member ID and password are asked to the user for judging a registered member or a new member. A new member registration is asked to the user. If the user requests a certain item, it is judged whether the request corresponds to a new member registration(S3). In the case that it is not the new member registration, namely, if the user is the registered member, the routine goes to S4. Thereafter, it is judged whether the inputs of the user with respect to the member ID and password are matched with the data table.

Description

Service method for finance administration in internet}

The present invention relates to a method for providing a unified financial management service on the Internet, and in particular, protects the interests of an individual through the management of a dormant account, which is difficult to manage in each individual or bank, and the database or computer resources of the bank. The present invention relates to a method for providing a unified financial management service on the Internet to reduce the load.

In general, modern people are becoming accustomed to so-called plastic civilization using credit cards, cash cards or debit cards that can be provided with convenience in life while being able to compensate for various services rather than living with cash.

Therefore, since many people open deposit accounts or savings accounts in many banks, modern banks use several banks depending on their needs or conveniences. If the deposit amount falls below a certain standard (for example, 10,000 won), a cash card using an online network or an ATM device will not be withdrawn, and many fornication accounts will be generated.

In the case of dormant accounts for such fornication accounts, statistics have been announced that dormant accounts of domestic banks, insurance companies, securities firms, etc. amount to about 250 billion won. Another problem arises in that the load of computational resources increases.

Therefore, each financial company treats a dormant account that has not been traded for a certain period of time as an additional income (or miscellaneous income) of the financial company, which violates the rights of the account holder or the customer of the account. It is said that after the bank's extra income processing, the depositor (or the customer) should return it at any time if requested by the bank, but in reality it was passive about the exercise of the rights and obligations of the dormant account from the position of the financial company or the customer. .

However, in recent years, there has been an increasing demand for financial companies to be honest in their obligations to dormant accounts, which makes it difficult for financial firms to identify their customers' dormancy accounts. In recent years, the difficulty of not leaving the dormant account, which causes the problem of increasing the load of the base or computing resources has emerged as a problem.

An object of the present invention for solving the above problems is to protect the interests of individuals through the management of dormant accounts that were difficult to manage each individual or bank and to reduce the load of the database or computing resources in the bank. To provide a unified financial management service providing method in the

1 is a conceptual illustration to explain a method for providing a unified financial management service on the Internet according to the present invention

FIG. 2 is a flowchart illustrating an operation of a financial institution integrated management web server (CCS) illustrated in FIG. 1.

A feature of the method for providing a unified financial management service on the Internet according to the present invention for achieving the above object is a financial product service and a financial integrated management service provided by the financial companies registered and registered a plurality of financial companies A first process of introducing the status on the Internet; A second process of inputting personal information of an unspecified number of netizens wishing for financial integrated management service; A third process of transmitting specific matters of the personal details of the netizens inputted through the second process to the connected financial service provider; A fourth step of receiving the information of the netizen's use and dormant account from the financial operator and delivering the information to the netizen; A fifth step of checking whether the dormant clearing service is a dormant clearing service when the netizen applies for financial management service after the fourth step; And a sixth process of transmitting the dosing method to the corresponding financial company when the netizen selects any one of the arrangement methods displayed in the fifth process.

As an additional feature of the method of providing a unified financial management service on the Internet according to the present invention for achieving the above object, the dormant account arrangement method may be used to purchase gift certificates, shopping malls, lottery tickets, help the needy neighbors, transfer money, and make an account. Resurrection, purchase of goods, etc.

As another additional feature of the method for providing a unified financial management service on the Internet according to the present invention for achieving the above object, the sixth step is a member of the financial company according to the dormant account arrangement method selected by the netizen. A first step of sending a requested dormancy account arrangement method; A second step of performing the request in the corresponding financial company; And a third step of receiving a result of performing a dormancy account cleanup request generated from the financial company and notifying the corresponding member.

As another additional feature of the method for providing a unified financial management service on the Internet according to the present invention for achieving the object as described above, if the netizen applies for financial management service after the fourth process, the general financial service is confirmed. In the case of general financial services, the financial services selected by the relevant netizens are displayed after displaying the financial services information (loan service, account opening, deposit transfer, e-commerce payment, utility bills, etc.) of financial services of affiliated financial institutions and the financial institutions. And a seventh process of transmitting a request to a corresponding financial company to perform a service of financial affairs.

The above object and various advantages of the present invention will become more apparent from the preferred embodiments of the present invention described below with reference to the accompanying drawings by those skilled in the art.

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

First, describing the concept of the technical idea to be applied in the present invention, as the Internet is now widely spread and used, there is a tendency to process various services occurring in daily life on the Internet. In accordance with this trend, financial institutions such as banks and insurance companies are able to process their own financial services on-line through the Internet. When providing various financial services on-line through the Internet, customers can directly There is no need to go to a financial institution, which saves time and money, and there is an advantage in that the cost can be reduced because the financial institution does not have to face the customer directly.

Therefore, in the present invention, the Internet online network operated independently by each financial company is linked to one website, and the personal information of the netizens accessing the site is input to track the dormant account of the netizens to correspond to the information. It is to inform the netizen and to process the dormant account according to the processing method for the amount remaining in the dormant account at the request of the netizen.

Briefly referring to Figure 1 attached to the unified financial management service method on the Internet according to the present invention, the integrated financial management web server (CCS) in accordance with the present invention in partnership with a plurality of financial companies (CA ~ CM) The services provided by each affiliated financial institution and the current status of the services will be introduced on the Internet.

In addition, by receiving the personal information of netizens (na ~ nn), and sends the personal information to the associated financial companies (CA ~ CM) by using the input personal information, the dormant account existing in each financial company Receive information.

Thereafter, the netizen is notified of the tracked dormancy account information, and the dormant account is processed according to the processing plan (e.g., bank transfer, lottery purchase, etc.) for the amount remaining in the dormant account at the request of the netizen. Do it.

Referring to Figure 2 attached to the actual operating method of the system according to the unified financial management service method on the Internet according to the present invention described above, Figure 2 is attached to the financial company integrated management web shown in Figure 1 This is a flowchart of operation of the server (CCS).

First, the financial institution integrated management web server (CCS) determines whether an access request is generated from any one of the netizens (na-nn) in step S1.

If it is determined in step S1 that the access request exists, the process proceeds to step S2 to query the member ID and the PASSWORD to determine whether the member is an existing member or a new member.

If the netizen makes a request for arbitrary matters with respect to the question in step S2, it is determined in step S3 whether the request is a request for new member registration. In step S4, it is checked whether the input of the netizens for the member ID and PASSWORD queried in step S2 exists in the preset data table.

On the other hand, in the case of a new subscription request, the process proceeds to step S5 and performs a process of issuing the member ID and PASSWORD of the netizen who made the access request in step S1. At this time, the basic bibliographic information (for example, residence address, resident registration number, name (Korean, English), etc.) is input for membership.

After performing the process of step S4 or S5, in step S6, the personal record entered at the time of the new subscription is accessed, and in step S7, each financial company (CA) linked to the basic record accessed through the process of step S6 is connected. ~ CN) to request the relevant data for the current customer from the customer database of each financial company (CA ~ CN) for the member.

This provides a basis for informing members of the status of deposits and dormant accounts owned by the currently connected members and the benefits (eg, loan products, linked insurance products, cumulative points, etc.). Simultaneously with the display to the member (S8).

Thereafter, in step S9, it is determined which service is requested from among the services provided by the web server to the corresponding member. When the general financial service is requested, the process proceeds to step S10 to perform the financial service according to the request. In this case, in the integrated financial management web server (CCS) according to the present invention, it is possible to open a loan service account, deposit transfer, electronic commerce payment settlement, utility bill transfer, and so on.

If there is a dormant account and it is determined in step S9 that the corresponding member requests to clear the dormant account, the process proceeds to step S11 to display a plurality of utilization methods or arrangement methods of the remaining amount of money in the dormant account.

At this time, if you list the dormant account arrangement method displayed, there are a number of ways, such as the purchase of gift certificates, shopping malls, lottery purchases, helping the disadvantaged, account transfer, account revival, purchase of goods, the member is any of the displayed arrangements You will choose one.

Therefore, in step S12, the integrated financial management web server (CCS) according to the present invention checks the arrangement method according to the member's request, and arranges the dormant account through the process of step S13.

That is, according to the dormant account arrangement method selected by the member, the dormant account arrangement method requested by the member is sent to the corresponding financial company, and the corresponding financial company performs the request. After that, the result of the request for clearing the dormant account generated from the financial company is received and notified to the corresponding member.

This series of processes only shows the operation process of the part related to the dormancy account clearing service in a flow chart, and the operation of the website and the service provision of the server other than that follow the operation of the general website. In general, the detailed operation process may be differently displayed by the website designer, but the detailed description is omitted since it does not correspond to the gist of the present invention.

While the invention has been shown and described in connection with specific embodiments thereof, it is well known in the art that various modifications and changes can be made without departing from the spirit and scope of the invention as indicated by the claims. Anyone who owns it can easily find out.

When providing a method of providing a unified financial management service on the Internet according to the present invention that operates as described above, by protecting the interests of the individual through the management of dormant accounts that were difficult to manage each individual or bank, This has the effect of reducing the load on the database or computing resources.

In addition, if the extended application method for providing a unified financial management service on the Internet according to the present invention, the service users can enjoy the benefits provided by each financial company, and it is easy to change the subscriber's personal information or manage the user account. There is an advantage.

In addition, in the case of financial companies, it is easy to attract and manage customers' accounts through the Internet site, and it is possible to reduce the cost of attracting and managing customers. By providing financial services and additional services for product promotion and promotion, it is possible to expect synergy effect on subscriber acquisition, and conversely, it is possible to increase customer by clearly highlighting services, promotions and promotions unique to individual financial companies. .

Claims (5)

A first process of registering a plurality of financial companies and introducing the status of financial product services and integrated financial management services provided by registered financial providers on the Internet; A second process of inputting personal information of an unspecified number of netizens wishing for financial integrated management service; A third process of transmitting specific matters of the personal details of the netizens inputted through the second process to the connected financial service provider; A fourth step of receiving the information of the netizen's use and dormant account from the financial operator and delivering the information to the netizen; A fifth step of checking whether the dormant clearing service is a dormant clearing service when the netizen applies for financial management service after the fourth step; And Unified financing on the Internet, characterized in that the netizens select any one of the arrangement method displayed in the fifth process to transmit the arrangement method to the financial company to organize the dormant account How to Provide Managed Services. The method of claim 1, The dormant account arrangement method is a method of providing a unified financial management service on the Internet, including the purchase of gift certificates, shopping malls, lottery purchases, helping the needy, account transfer, account resiliency, purchase of goods. The method of claim 1, The sixth process includes a first step of sending a dormant account arranging method requested by a member to a corresponding financial company according to the dormant account arranging method selected by the netizen; A second step of performing the request in the corresponding financial company; And And a third step of receiving a result of performing a dormancy account cleanup request generated by the financial company and notifying the corresponding member. The method of claim 1, If the netizens apply for financial management services after the fourth step, check whether the general financial service is a general financial service, and in the case of general financial services, financial business information (loan service, account opening, deposit transfer, e-commerce payment, And a seventh step of displaying a bill transfer, a plurality of bank financial services, and the like, and sending a request for a financial service selected by the netizen to a corresponding financial company to perform a service of financial services. How to Provide Unified Financial Management Services. A method for configuring a connection of a functional module, wherein the program modules of a specific function are organically connected to provide a method for providing a unified financial management service on the Internet as described in the above-mentioned claims 1 to 4.