KR20010091148A - A method for on-line account management intermediary service - Google Patents

Abstract

PURPOSE: An online account management agent service method is provided to grasp and arrange the details of each individual dormant account. CONSTITUTION: A server(11), containing a web server, a mail server, a database server, an authentication server, and a communication server, executes authentication for a user(12) and the management of user information through the medium of the homepage. Communicating with the server of a financial company(13), the server(11) inquires into accounts, including dormant accounts, or carries out account transfer agent. The user(12) accesses the Internet(10) through a PC, a mobile phone or a PDA, and entrusts an account inquiry or account transfer to the server(11). A financial company(13) provides the account information of the user(12) to the server(11) that has his commission, and permits transfer to an appointed account according to the server's request.

Description

A method for on-line account management intermediary service}

The present invention relates to Internet-related technology, and more particularly, to a method for intermediary service management of a user's account online.

Recently, the Internet population is growing rapidly due to the development and expansion of communication networks. With the growth of the Internet, various contents including electronic commerce, portals, etc. are appearing.

In the case of the financial sector, the area is expanding from a conventional phone banking service to a PC banking service using a telephone network or the Internet. In addition, the PC banking service is expected to expand further thanks to the electronic signature system that will be introduced soon.

Typically, a person has a plurality of accounts, and the characteristics of the accounts are various, such as deposit and withdrawal accounts, savings accounts, savings accounts, loan accounts, insurance accounts, and securities accounts. It is not uncommon to have dozens of accounts, including banks, insurance companies, securities companies, and trust companies. These personal accounts can be doubled by combining sleeping dormant accounts.

A dormant account refers to an account that has no deposit or withdrawal for a certain period of time.In the case of a bank dormant account, the deposit or withdrawal is 1 year for more than 10,000 won, 2 years for more than 50,000 won, and 3 years for more than 100,000 won. Say no account. Insurer's dormant insurance money also refers to the cancellation refund that the contractor has not visited for more than two years after the termination of the contract. In dormant accounts, the heirs do not know the deceased's financial transactions due to the death of the trader, or the account holder is left withdrawal without the total amount due to the total amount of the account. At present, such dormant accounts are frequently reported to reach hundreds of billions of financial institutions, and hacking incidents targeting dormant accounts are reported.

Recently, each financial company (especially a bank or an insurance company) finds a dormant deposit or a dormant insurance claim event for such a dormant account. However, most financial companies are passive in finding their clients' money, so it is either a one-time event or a procedure. The situation is complicated and does not have a great effect. In the case of dormant deposits as an example, it is not easy for banks to notify customers of dormant accounts because the address or contact information of customers registered with the bank may be different from the current one due to prolonged suspension of transactions. In order to confirm or withdraw the customer, the customer must visit the bank in person. However, in view of the causes of the above-mentioned dormant account, it is difficult to expect the effectiveness.

On the other hand, in order for each individual to examine all his / her financial transaction details, he or she must search by financial institution and account. In this case, it is necessary to know the account number and password of each account, and there was an inconvenience of requiring a separate access ID and access password through the Internet.

It is an object of the present invention to provide an online account management brokerage service method that can more effectively identify and organize individual dormant account details.

In addition, an object of the present invention is to provide an online account management intermediary service method that can more easily manage the personal account.

1 is an exemplary system configuration in which the present invention is performed.

2 is a flowchart illustrating a process of dormant account inquiry and transfer brokerage service according to an embodiment of the present invention.

Figure 3 is a flow chart of processing of account inquiry and transfer brokerage service according to another embodiment of the present invention.

* Explanation of symbols for the main parts of the drawings

10: Internet

11: server

12: user

13: financial company

In order to solve the above technical problem, a characteristic online account management intermediation service method of the present invention includes a first step of performing a user authentication by a server according to a user authentication request; A second step of inquiring dormant account information of the user to each financial company linked online according to registered user information; And a third step of providing the user with dormant account information collected in the second step.

The present invention may further include a fourth step of requesting the financial institution to transfer the dormant account amount to the other account or donation account of the user registered according to the transfer request of the user. It is characterized by.

Preferably, the fourth step may include a fifth step of determining whether the amount of the dormant account is within the allowable range of online transfer of the financial institution; A sixth step of checking the user's intention to transfer if the amount is an online transfer allowance as a result of performing the fifth step; And a seventh step of requesting the financial institution to transfer the registered user to another party when the transfer request of the user is requested as a result of performing the sixth step. And the eighth step of providing the transfer method to the user if the amount is not within the online transfer allowance range.

In addition, the characteristic online account management brokerage service method of the present invention, the first step of collecting dormant account information from each financial company connected online; A second step of constructing a database of dormant account information; Extracting dormant account information of the user from the database according to a user's inquiry signal; And a fourth step of providing the user with dormant account information.

In addition, the characteristic online account management intermediary service method of the present invention, the first step in which the server performs the user authentication in accordance with the user authentication request; A second step of inquiring the account information of the user to each financial company linked online according to the registered user information; And a third step of providing the user with the account information of the user collected in the second step.

In addition, the present invention after the third step, the fourth step of checking the transfer intention of the user; A fifth step of requesting a transfer from the financial institution according to the transfer request details of the user inputted after performing the fourth step; And a sixth step of providing the user with the transfer history and the updated account information transmitted from the financial institution.

Hereinafter, preferred embodiments of the present invention will be introduced in order to enable those skilled in the art to more easily carry out the present invention.

1 is a diagram illustrating a system configuration in which the present invention is performed, and shows a configuration in which the server 11, the user 12, and the financial company 13 interoperate with each other through the Internet 10. .

The server 11 includes a web server, a mail server, a database server, an authentication server, a communication (interface) server, and the like. In addition, the server 11 performs authentication and management of the user information for the user 12 through the homepage, and communicates with the server of the financial institution 13 to search for an account (including a dormant account) or transfer between accounts. It acts as a mediator and stores the contents in a database.

The user 12 accesses the Internet 10 through a PC, a mobile phone, a PDA, or the like, and delegates account inquiry or transfer between accounts to the server (operating company) 11.

The financial company 13 provides the account information of the user 12 to the server (operating company) 11 authorized by the user 12 according to an agreement with the homepage operating company, and the server 11 requests The transfer to the designated account is allowed.

2 is a flowchart illustrating a process of dormant account inquiry and transfer brokering service according to an embodiment of the present invention, which will be described below with reference to the drawings.

According to the present embodiment, first, a user connects to a server of a homepage operating company using a PC, a mobile phone, a PDA, or the like (20).

Subsequently, the user registers his or her personal information (for example, name, social security number, address, etc.), access ID and password server, and the server stores the database. The member who already has the access ID skips the above registration procedure and immediately inputs the access ID and password to request the user authentication to the server, and the server receives the user authentication and performs user authentication (21). In the above sign-up process or authentication process, the authority of the operating company regarding the user's account inquiry or account transfer can be delegated, and the electronic signature system can be introduced into the authentication process.

Next, the server inquires the dormant account information of the corresponding user to each financial institution linked (22), and outputs the dormant account information to the user (23). The inquired user's dormant account information is stored in a database, and the output of the dormant account information can be made on the web or transmitted to a user through a messenger, an e-mail, a mobile phone, or a fax.

Subsequently, the server checks whether the amount of the dormant account is within the allowable amount of online transfer of the financial institution (24), and if the transfer is not possible, outputs the transfer method to the user (25). Checks if the transfer is desired (26).

If the user wants a transfer, the user enters a transfer account (27), and the server requests the transfer to the transfer account (28). If there is a pre-registered transfer account in the subscription procedure or the like, the transfer account input step 27 may be omitted.

The above processing process, namely dormant account inquiry and transfer, is a matter that can be sufficiently represented by the user's delegation alone. Service is available. On the other hand, for the sake of transaction security, it is preferable to limit the account transfer to the user's account, and exceptionally, it is desirable to be able to donate to neighboring disadvantaged accounts.

On the other hand, it can be considered that the operating company receives a delegation from each financial company and informs customers of the dormant account information. In this case, a database is received by receiving the dormant account information from each financial company in advance, and the user accesses the homepage and authenticates. After completing the request for querying the dormant account information, it outputs the personal dormant account information stored in the database. In this case, you need to regularly receive dormant account information from each financial company to update the database regularly to provide accurate information.

3 is a flowchart illustrating an account inquiry and transfer brokerage service according to another embodiment of the present invention, which will be described below with reference to the drawings.

According to the present embodiment, first, a user connects to a server of a homepage operating company using a PC, a mobile phone, a PDA, or the like (30).

Subsequently, the user registers his or her personal information (for example, name, social security number, address, etc.) with the access ID and password server, and the server stores the database. The member who already has the access ID skips the above registration procedure and immediately fills in the access ID and password to request the user authentication to the server, and the server receives the user authentication and performs user authentication (31). In the above sign-up process or authentication process, the authority of the operating company regarding the user's account inquiry or account transfer can be delegated, and the electronic signature system can be introduced into the authentication process.

Next, the server inquires (32) the account information of the corresponding user to each of the linked financial institutions, and outputs the account information to the user (33). The inquired user's account information is stored in a database, and the output of the account information can be made on the web or transmitted to the user through messenger, e-mail, mobile phone, or fax.

The server then checks (34) whether the user who grabbed the account information wants a transfer. If the user wants a transfer, he / she inputs a transfer desired details (eg, withdrawal account, withdrawal amount, deposit account, etc.), and the server requests the transfer from the financial institution according to the contents (36).

The financial company transmits the transfer history to the server, and the server outputs the updated account information along with the transfer history to the user (37). The output may use various media as described above, and the new account information may be stored in a database.

The account inquiry and transfer procedure as described above is a matter that can be sufficiently represented by the user's delegation alone, and most of the processes can be handled without difficulty by the agreement between the financial institution and the operating company.

On the other hand, since most financial companies require account (password) passwords for account withdrawal, encryption is required in the transfer of account passwords between user-server and server-financial companies. In addition, it may be considered to database a number of account numbers and account passwords so that the user can directly manage.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes can be made in the art without departing from the technical spirit of the present invention. It will be apparent to those of ordinary knowledge.

The present invention described above can find and organize a dormant account more easily, thereby facilitating the user's convenience and reducing the financial company's efforts to find a dormant account. In addition, the present invention has the effect that it is possible to reconsider the user's convenience by enabling integrated account management through the intermediary of individual account management.

Claims (8)

A first step of the server performing user authentication in accordance with a user authentication request; A second step of inquiring dormant account information of the user to each financial company linked online according to registered user information; And A third step of providing the user with dormant account information collected in the second step; Online account management brokerage service method made, including. The method of claim 1, After performing the third step, And a fourth step of requesting the financial institution to transfer the dormant account amount to the other account or the donation account of the registered user according to the transfer request of the user. The method of claim 2, The fourth step, A fifth step of determining whether the amount of the dormant account is within the allowable range of online transfer of the financial institution; A sixth step of checking the user's intention to transfer if the amount is an online transfer allowance as a result of performing the fifth step; And As a result of performing the sixth step, when the transfer request of the user is requested, the seventh step of requesting the financial institution to transfer the registered user to another party; Online account management brokerage service method comprising a. The method of claim 5, And the eighth step of providing the transfer method to the user when the amount is not within the allowable range of the online transfer as a result of performing the fifth step. The method according to any one of claims 1 to 4, In the third step, The dormant account information of the user is provided on the web, or provided via any one of the e-mail, messenger, fax online account management brokerage service method. A first step of collecting dormant account information from each financial company connected online; A second step of constructing a database of dormant account information; Extracting dormant account information of the user from the database according to a user's inquiry signal; And A fourth step of providing the user's dormancy account information to the user Online account management brokerage service method made, including. A first step of the server performing user authentication in accordance with a user authentication request; A second step of inquiring the account information of the user to each financial company linked online according to the registered user information; And A third step of providing the user with the account information of the user collected in the second step Online account management brokerage service method made, including. The method of claim 7, wherein After performing the third step, A fourth step of checking a transfer intention of the user; A fifth step of requesting a transfer from the financial institution according to the transfer request details of the user inputted after performing the fourth step; And Step 6 of providing the user with the transfer history and updated account information sent from the financial institution Online account management brokerage service method characterized in that it further comprises a.