KR20010084469A - System and method for reference of suspension account using a communication network - Google Patents

Abstract

PURPOSE: A method for managing and forming a web site having an idle account inquiry service is provided to use all kinds of service using an idle account of a customer. CONSTITUTION: When a member access an idle account inquiry service(S320) and inputs an account number and a password number(S321), a server requests a certificate inquiry to a certificate center(S322). The certificate center informs a certificate result to the server(S323). The server stores the certificate result in a database storage section(S410) and requests an idle account inquiry which a customer requested to a banking organ(S325). The banking organ informs an idle account inquiry result to the server(S326). The server displays the idle account inquiry result on a monitor of a member(S327).

Description

How to operate and configure a website that includes a dormant account tracking service {System and method for reference of suspension account using a communication network}

The present invention relates to a website that provides inquiry of a dormant account on the Internet and provides various kinds of supplementary services using the same, and utilizes a dormant account of a customer scattered in a financial institution, so that various services can be used. The purpose of the present invention is to secure a large number of members through the provision of the above-mentioned beneficial service, and to revitalize the economy and create value added accordingly.

Conventionally, since the technology as described herein does not exist, the amount of dormant accounts interspersed with financial institutions such as banks is increasing day by day, and most financial institutions open internet services, but most transactions for each account do. The reality is that the service is only an initial stage.

However, from the customer's point of view, they want more differentiated financial services and Internet services, but it is true that Internet services are still focused on the financial institutions rather than customer-oriented services.

For example, as of January 2000, banking institutions have dormant accounts of more than 140 billion won, accumulating 40 billion won every year, and insurers' dormant accounts exceed 12 trillion won, and are accumulating more than 3 trillion won every year. Dormant accounts exceed W30bn and accumulate more than W7bn annually.

As another example, in 1999, the Korea Consumer Research Institute conducted a survey on the proportion of dormant account holdings and the balance of dormant accounts based on a sample of 810 housewives living in Seoul. [Table 1], [ Table 2 shows the ratio.

TABLE 1

Dormant Account Retention Rate

The number of dormant accounts Retention none 40% 1 or 2 42% 3-4 14% 5-6 3% 7 or more One%

TABLE 2

Balance of dormant accounts

Balance of dormant account Balance ratio Less than 1,000 won 26% 1,000 ~ 1,500 won 33% 5,000 ~ 10,000 KRW 22% 10,000 won or more 13% do not know 6%

As can be easily seen from the data shown in [Table 1] and [Table 2] above, a dormant account of tremendous funds is left unknowingly by customers, and thus could not contribute to vitalization of the economy. Since there is no conventional technology for conducting e-commerce or other beneficial commercial behavior, there is a problem such as not creating a new economic added value using the same.

The present invention has been made in order to solve the above problems, in particular, anyone can easily check the dormancy account generated in financial institutions such as commercial banks, insurance companies, securities companies and the credit card using the balance remaining in the dormant account It is possible to provide members with additional services such as payment of payment, transfer to other accounts, donation to a specific individual or group, and shopping at a shopping mall provided on the Internet, and secured to a member using the dormant account inquiry service. In order to promote safety and convenience in membership, personal ID and e-mail are provided at the time of membership registration, and by using this, personal information exchange and real name chat service between members can be minimized, thereby minimizing human rights violations in recent years. In addition to entering personal information and forming a network upon membership registration As data obtained through input of personal information, members can easily search for the person or group they want to find, as well as join and participate in cyber groups such as related meetings, for example, schools, departments, clubs and workplaces. It is possible to receive all the above-mentioned services by simply registering as a member of a single website with a number of very useful services, such as providing a group list based on IDs, and enhancing community participation of individual customers. It is effective to create a stable and stable communication culture and to revitalize the economy by allowing the funds tied up by dormant accounts to be returned to the market.

1 is a view schematically showing a correlation between each institution and a site item according to an embodiment of the present invention and a bulletin board managed separately in this website;

2 is a flowchart illustrating a configuration and an operating system of a system according to use of various services according to an embodiment of the present invention;

3 is a flowchart illustrating a dormant account inquiry service according to an embodiment of the present invention;

4 is a flowchart illustrating a shopping mall service according to an embodiment of the present invention;

FIG. 5 is a diagram illustrating a process in which an operator of a website according to an embodiment of the present invention brokers a member and a credit card company to broker an issuer of a credit card;

6 is a flowchart showing an online research service in detail in an embodiment of the present invention;

7 is a diagram illustrating an example of displaying an inquiry and online research service of a dormant account according to an embodiment of the present invention.

※ Explanation of codes for main parts of drawing

100: financial institution 200: credit card company 300: certificate authority

400: shopping mall 500: server 600: bulletin board

700: member 930: information processing unit 940: database storage unit

S320: Dormant account inquiry service S340: Online bankbook opening service

S360: Online Research Service

In a system for providing financial services through a financial network consisting of a financial institution 100 that provides online financial services, a credit card company 200 that provides a credit card service, and a certification institution 300 that provides a financial settlement authentication service. ,

A server 500 provided to allow a customer or member 700 to access and use this website that provides inquiries of dormant accounts and various supplementary services;

A dormant account inquiry service (S320) configured to allow the member to access the server 500 and perform a dormant account inquiry;

The member 700 may be connected to the server 500, and through the online service of the financial institution 100, it may be possible to open an online bankbook, terminate the bankbook, transfer the balance of a dormant account, or the like to another party. Online bankbook opening service (S340) is configured to be,

A credit card business cooperation service (S350) configured to allow the member to access the server 500 and receive a credit card, etc.,

A shopping mall service (S330) provided to enable e-commerce activities using a balance of the dormant account or a credit card;

An online research service (S360) configured to allow the member to access the server 500 and search for an acquaintance or a group the member wants to find based on the database input to the storage unit 940 of the database;

The member accesses the server 500 to the bulletin board 600 which provides various additional services such as an online advertisement service (S370), a real name chat service (S380), and a real name community service (S390).

Referring to the drawings will be described the operation and configuration method of the website including the present inventors dormant account inquiry service.

First, when a member accesses the server 500 and registers as a member, the member inputs to the personal information input unit 920 at the time of membership registration, stores personal information in the storage unit 940 of the database, and finishes membership registration. And, various services can be provided, in detail, when using the dormant account inquiry service (S320) shown in Figure 3, when accessing the dormant account inquiry service (S320), the member dormant account inquiry personal information input unit ( If the account number and password to be entered into the 910 is entered, the server 500 requests a certification request from the certification authority 300 (S322), and the certification authority 300 sends the result to the server 500. After the authentication process result is notified (S323), the server 500 stores the data in the database storage unit 940, and the server 500 again checks the dormant account requested by the customer to the financial institution 100. Request (S325), the financial institution 100 is holiday Balance inquiry notification (S326), the result in the server 500 and the server 500 goes through the process of displaying a result that the member 700 results (S327) to the monitor on the member 800. The

In addition, the member 700 may be connected to the shopping mall service (S330) to purchase the goods through the e-commerce, in detail, to access the shopping mall service (S330) to conduct shopping and decide to purchase the bank to pay The financial institution 100 or the credit card to be settled is selected, and a payment method such as direct payment or installment payment at the time of account transfer or payment of the purchase item is selected (S331). By requesting the authentication authority to the certification authority by the system, the certification authority notifies the server 500 of the result of the authentication process and is approved by the financial institution and the card company 200, so that shopping is ended and the above information is stored in the server ( The data is input and stored in the database storage unit 940 of 500.

In addition, the website performs a service for brokering card issuance by brokering a credit card company 200 and a member 700. Specifically, when the member 700 requests the card 500 to issue a card (B10). , The server 500 brokers the card issuance to the credit card company 200 (B20), the credit card company 200 pays the brokerage fee (B30) to the operator of the website, the server that is the operator of the website ( Since 500 receives a brokerage fee (B30) back to the member 700's account, the brokerage fee (B30) takes the operation of returning the brokerage fee (B30) to the member 700, thereby securing a large number of members. It is possible to be.

In addition to the above-mentioned services, this website also provides a configuration and operation method for implementing a member's convenience by performing an online research service (S360), and in detail, accessing the online research service (S360) and a list of inquiry items After selecting the search conditions listed in the search conditions to select the desired search items to enter the search to perform the search by the information processing unit 930 to perform the statistical processing of the member ID or the most suitable for the search conditions or The statistics that satisfy the search criteria are displayed as a percentage.

In addition, it has a configuration that can be provided with a lot of useful information posted on the bulletin board 600 and a variety of materials that are configured to facilitate information retrieval, in detail, the group, email, real name chat Provided is a bulletin board 600 and the like.

According to the method of operating and organizing a website including the above dormant account inquiry service, a dormant account that has been previously neglected by a customer using various financial institutions can be utilized and is literally deposited in a sleeping account. Not only can the existing funds be used and reflected in the real economy, but it also enables the creation of new economic value added as a result, and even if the customer is opened in his own name but does not know the status of the dormant account. By accessing the website, you can easily check the balance left in the dormant account and use it to make social contributions and contributions, such as donating to the charity posted on the bulletin board configured here. E-commerce activities such as shopping malls can be performed by using the remaining balance in It contributes to the activation of the deal, of course, by being on this website can be given at the same time receiving a credit card and brokerage fees are through, publicity on this website notch may be beyond imagination.

In addition, as the above configuration and operation method is possible to access a new perspective on electronic commerce, it is expected that it will be able to make a significant contribution to attracting a large number of customers into the virtual space of electronic commerce and the Internet. The effects of creating and activating a number of industries, including the activation of the advertising industry, are expected.

As described above, the present invention enables the search of various groups and acquaintances through the inquiry of dormant accounts and activation of electronic commerce such as shopping malls, online advertisement services, and online research services, which are not possible in the past, as well as real names. Since it is possible to chat, etc., it is an invention that has an effect that can contribute a lot to create a very beneficial and healthy communication culture that has the effect of relieving the concern of human rights violations in recent years.

Claims (17)

A method of operating a website characterized by providing a service for checking balance of dormant accounts of financial institutions owned by the general public. The method of claim 1, wherein the provision of a dormant account balance service is provided through a financial network including a financial institution 100 or a credit card company 200 that provides a credit card service and a certification authority 300 that provides a financial settlement authentication service. How to operate a website characterized by. The method of claim 1, A method of operating a website, which provides a variety of financial services that enable the general public to use the balances in their dormant accounts through online services with financial institutions within the website. The method of claim 3, wherein Financial services include the subscription of insurance products, the opening of bank accounts, the termination, the joining of various financial products, the transfer of dormant account balances, or donations. The method of claim 1, A method of operating a website, comprising: a shopping mall capable of conducting e-commerce transactions using a balance of a dormant account or a credit card or other payment means. The method of claim 1, How to operate the website, characterized in that the general public must be a member of the website to receive a dormant account inquiry service. The method of claim 1, Web site operating method characterized in that it provides an online research service (S360) that can be searched for the acquaintances or organizations that the general public wants to find based on the database input of the storage unit of the database. The method of claim 1, A method of operating a website characterized by the provision of a credit card business alliance service that allows the general public to access the website and receive a credit card issuance. The method of claim 1, Web that provides various additional services such as online advertising service (S370), real name chat service (S380), financial information, financial information or community service (S390) for members recruited through dormant account inquiry service. How the Site Works. The method of claim 1, The dormant account inquiry service is a web site operating method, in which a member of a corresponding internet site is notified of the balance of a dormant account through a partnership with another internet site to induce a visit to the site. The method of claim 1, Method of operating a website, characterized in that the network is configured to enable free e-commerce in the inquiry (S320) and the shopping mall 400 of the dormant account on the Internet. The method of claim 7 in using online research, The online community service (S360) is provided by performing an authentication by a certification authority based on the personal information of the member, storing the data in a database storage unit, and providing an information processing unit for searching for a desired target data or calculating statistics. How to operate a website, characterized in that possible. The general public can access this web site and freely check his or her deposit value deposited at each financial institution, and open the online bankbook (S340) or online bank transfer as freely. How to operate the website, characterized in that configured to. The method of claim 6, On the bulletin board 600 for posting real name chat, e-mail or community membership and withdrawal, etc., based on the description data entered during membership registration of the general public, it is possible to provide a more secure communication culture and quality service and social participation. How Websites Work. The method of claim 1, When the general public has signed up for a credit card in this site, a method of operating a website, wherein a plurality of members can be secured by depositing an intermediary fee received from a credit card company (200) into an account of a member (700). The method of claim 1, How to use the dormant account service is to first register a member of the blank site, access to the dormant account inquiry service, if the member enters the account number and password to be inquired in the dormant account inquiry personal information input unit 910 server 500 Requests a certification request to the certification authority 300, and the certification authority notifies the server 500 of the result, and the server 500 stores the data in the database storage and the server 500 returns to the financial institution 100. The request for the dormant account inquiry requested by the member (S325) and the financial institution 100 notifies the server 500 of the dormant account inquiry result, and the server 500 undergoes a process of displaying the result on the member's monitor. Website operation method characterized in that. In a system for providing financial services through a financial network consisting of a financial institution 100 that provides online financial services, a credit card company 200 that provides a credit card service, and a certification institution 300 that provides a financial settlement authentication service. , A server 500 provided to allow the general public or members to access and use the website for providing inquiries of dormant accounts and various supplementary services; Method for operating a website comprising a dormant account inquiry service (S320) is configured to allow the member (700) to access the server (500) to inquire a dormant account.