KR20020017861A - Method for servicing an unused account information to client by using the internet - Google Patents

Abstract

PURPOSE: A method for servicing an unused account information to client by using Internet is provided to on-line offer the information related with a dormant account of an individual using Internet and to automatically transfer the balance of the dormant account to a specific account. CONSTITUTION: The method comprises steps of accumulating the information related with dormant accounts in a database, requesting a client connected to a dormant account service web site through Internet to provide the authentication information, authenticating the client by transmitting the authentication information to a banking server when the authentication information is received from the client(206), allowing the user of the dormant account service if the client is authenticated, creating a dormant account list page and providing the list to the client(218), requesting the banking server to transfer the balance to a selected account with response to the demand by the client, performing money transfer to the selected account(226), and deleting the dormant account information from the database(230).

Description

Service method for dormant account information using internet {METHOD FOR SERVICING AN UNUSED ACCOUNT INFORMATION TO CLIENT BY USING THE INTERNET}

The present invention relates to a technique for providing a financial information service using the Internet, and collects and manages dormant account information generated at each financial institution, and dormant including account transfer when there is a dormant account service request from any client. The present invention relates to a dormant account information service method using the Internet suitable for providing a client with various online services that can be linked to an account.

Typically, various types of financial products are developed and marketed according to the development of the financial industry (banks, insurance, securities, etc.), and individuals are subscribed to at least a few financial products, thereby at least several financial accounts (e.g., For example, bank account, insurance account, securities account).

On the other hand, in financial transactions with financial institutions, each individual may unintentionally have as few as one to many dormant accounts (eg, bank-related dormancy accounts, insurance-related dormancy accounts, securities-related dormancy accounts, etc.). In this case, a dormant account for each individual is generated because it is annoying because the balance remaining in the account is small, and the management does not find it because the balance is small. Is caused.

In this case, a dormant account means a banknote for a predetermined period (for example, one year, two years, three years, etc.) with a balance of less than a certain amount (10,000 won, 50,000 won, 100,000 won, etc.) remaining. It means an account without a transaction, and in the case of insurance rights, it means an account that has passed a predetermined time (for example, two years, three years, etc.) out of an effective contract without paying a premium.

In Korea, for example, according to a report by the Korea Financial Association, as of the end of December 1997, the total amount of dormant accounts of insurance rights was about 130 billion won, and the total amount of dormant accounts of 1999 bank notes was about 100 billion won. In other words, it is a small amount to pay little attention to the individual's point of view, but the sum of all the dormant amount of the relevant dormant accounts is a big enough to form an axis of economic development.

As mentioned above, a large amount of dormant accounts can also cause individual indifference and oblivion to a small amount, but basically the amount of the small balance in a dormant account is directly settled by the financial institution (ie, the establishment of the financial institution). Because you have to visit and find. In other words, given the fact that time is money, the reality is that the visit to the financial institution in order to find a small balance is very low.

As a result, dormant accounts for individuals continue to arise, which also increases the amount of dormant money that cannot be used for economic activity.

Therefore, there is an urgent need to effectively utilize the dormant amounts in dormant accounts within the scope of economic activity, but at present there is no fundamental countermeasure against such measures.

SUMMARY OF THE INVENTION The present invention has been made in view of the above, and provides an online service for online service of individual dormant account-related information using the Internet, and an online service for automatically transferring the balance of dormant accounts to an optional account. The purpose is to provide a dormant account information service method used.

Another object of the present invention to provide a dormant account information service method using the Internet that can utilize the balance of the dormant account for the e-commerce service using the Internet.

Still another object of the present invention is to provide a dormant account information service method using the internet that can provide an online transfer service by linking a balance of a dormant account with a financial product or a financial derivative using the internet.

In order to achieve the above object, the present invention provides a method of servicing dormant account information to a plurality of clients each having an internet access means by using a dormant account service server system having an information database storing dormant account related information for each financial institution. The method of claim 1, further comprising: accumulating the dormant account-related information in the information database each time a dormant account occurs in each financial institution; A second step of requesting authentication information for user authentication from the arbitrary client when any client accesses a dormant account service website through the Internet; A third step of authenticating the arbitrary client by transmitting the received authentication information to a financial server when the authentication information including at least a unique identifier representing the arbitrary client is received; A fourth step of granting a dormant account service request to the arbitrary client when the arbitrary client is authenticated; When the arbitrary client requests a dormant account service, the information database is searched and the dormant account-related information for each financial institution related to the arbitrary client is retrieved to generate a dormant account list screen, and the arbitrary dormant is set via the Internet. A fifth step of providing a generated dormant account list screen to a client; A sixth step of requesting transfer of funds to the selected account by transferring the dormant account related information and the selected account related information to the financial server when the client requests the transfer to the randomly selected account; A seventh step of executing transfer of funds to the selected account by transferring dormant account related information to financial institutions related to the dormant account; And an eighth step of deleting the funds transfer dormant account related information from the information database.

1 is a block diagram of a dormant account information service system suitable for online service of dormant account information to any client using the Internet according to the present invention;

2 is a flowchart illustrating a process of online service of dormant account information to an arbitrary client using the Internet according to a preferred embodiment of the present invention;

3 is a flowchart illustrating a process of providing an e-commerce service by linking dormant account information, which is online service to an arbitrary client, to a shopping mall according to the present invention;

4 is a flowchart illustrating a process of providing a financial product service by linking dormant account information serviced online to an arbitrary client to a financial server according to the present invention;

FIG. 5 is a flowchart illustrating a process of providing a donation service by linking dormant account information serviced online to an arbitrary client according to the present invention. FIG.

<Description of the code | symbol about the principal part of drawing>

102/1-102 / n: Provider Server 104: Financial Server System

106: Finance DB 108: Internet

110: service server system 112: dormant account information DB

114: information management DB 116/1-116 / n: client

The above and other objects 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 in detail with reference to the accompanying drawings.

First, the core technical gist of the present invention is to establish an existing dormant accounts in each financial institution as a database, and to provide dormant account related information to any client requesting service through the Internet, and to online with any selected account. It is possible to easily achieve the object of the present invention through such technical means by transferring or using the dormant balance in the dormant account for e-commerce settlement or financial product subscription (or purchase). At this time, the dormant accounts generated at each financial institution are transferred to the dormant account service server system in an online or offline manner according to the occurrence and are accumulated in the dormant account related database.

1 is a block diagram of a dormant account information service system suitable for online service of dormant account information to any client using the Internet according to the present invention. Server 104, financial DB 106, Internet 108, service server system 110, dormant account information DB 112, information management DB 114 and multiple clients 116/1-116 / n If necessary, it may include a plurality of shopping mall sites connected to the service server system 110 and / or each client (116/1-116 / n) through the Internet ().

Referring to FIG. 1, each provider server 102/1-102 / n sells various financial products (for example, bank-related financial products, insurance-related financial products, securities-related financial products, etc.). It is a server provided in a financial institution, and when a dormant account is generated in the company, the dormant account related information (for example, the name of the account holder, the social security number, the name of the financial institution, the name of the opening store, the opening date, the account number, the balance and the opening store telephone number) And the like, and transmits them to the financial server system 104, and sends an online account in response to a request for an account transfer service or an e-commerce payment service from the financial server system in relation to the dormant account information service according to the present invention. Provide service or e-commerce payment service.

In addition, the financial server system 104 is a server system provided in a bank association, insurance association, securities association, etc., and stores / manages dormant account related information received from each supplier server in the financial DB 106, and manages the financial DB. The financial institution customer who retrieves the dormant account related information stored in the 106 and transmits it to the service server system 110 via the Internet 108, and has any client (i.e., has a dormant account) from the service server system 110. Request a real name authentication from the financial institution (i.e. provider server) based on the authentication information (i.e. name, social security number, bank name, account number, etc.) When the authentication result is received from the authority, it is transmitted to the service server system 110 through the Internet 108. In this case, unlike the above, the financial server system 104 may directly perform the real name authentication of the service request user without requesting the financial institution.

In addition, the financial server system 104 is any account selected by the client for the balance in any dormant account from the service server system 110 (e.g., the account of the client's name, shopping mall-related accounts, funds deposit related accounts) When a request is made for automatic transfer to the provider server (i.e., the financial institution of a dormant account), instructing it to perform an automatic transfer. The service server system 110 is notified of the transfer confirmation.

The service server system 110 then collects and controls the overall processes of the dormant account information related services provided in accordance with the present invention, relating to the dormant account delivered from the financial server system 104 via the Internet 108. The information is classified by each financial institution and / or individual, and stored in the dormant account information DB 112, and the real name is displayed in the financial server system 104 in response to the authentication information received from any client through the Internet 108. Authentication is required to verify that the client is a valid client that can be served. Here, the dormant account-related information includes, for example, the name of the account holder, the resident registration number, the name of the financial institution, the opening store name, the opening date, the account number, the balance, the opening store telephone number, and the like.

In addition, when any client requests a dormant account service, the service server system 110 searches for the dormant account information DB 112 to withdraw dormant account information associated with the client, and uses the extracted dormant account information. After generating a dormant account list screen, the service is provided to the client through the Internet 108.

In addition, the service server system 110 may store a specific shopping mall (stored in the information management DB 114) when an arbitrary client wants to purchase a product or the like using a dormant amount of money in his dormant accounts. That is, by accessing the shopping mall site by using an address of a random shopping mall selected by the user, a shopping mall service for purchasing a product is provided to the corresponding client, and a certain client sets a dormant amount in his dormant accounts. Contributions using donation account numbers stored in the Information Management DB 114 when depositing funds to donations (for example, the Neighborhood Assistance Association, the Boys and Girls Assistance Association, the Unemployed Assistance Association, and the Lacking Children Assistance Association). Provide deposit services.

On the other hand, each client 116/1-116 / n is a communication device (for example, a PC system equipped with a communication modem, a PC system connected by a dedicated line, etc.) that can be connected to the service server system 110 via the Internet 108, and the like. Are general users, each client is connected to the service server system 110 via the Internet 108 and various services related to dormant account information provided in accordance with the present invention (ie, direct debit service, electronic shopping cart service). , Donation services, etc.).

Next, a process of providing a dormant account information service according to the present invention to each client by using the dormant account service system having the above-described configuration will be described.

2 is a flowchart illustrating a process of online service of dormant account information to an arbitrary client using the Internet according to a preferred embodiment of the present invention.

Referring to FIG. 2, if any client (eg 116/1 of FIG. 1) connects to a website, i.e., service server system 110 via the Internet 108 (step 202), service server system 110 ), The prepared initial menu screen data is withdrawn and delivered to the corresponding client 116/1 via the Internet 108. As a result, for example, information for inputting authentication information is input on the monitor of the client 116/1 side. An initial menu screen with items (eg, name, social security number, account number, financial institution name, etc.) is displayed (step 204). In this case, the input account number may be an account number of the main bank currently used by the client user.

Subsequently, when the user of the client 116/1 inputs authentication information for each item and transmits the authentication information to the service server system 110 via the Internet 108 together with the authentication request signal (step 206), the service server system 110 Requests the real name authentication of the client 116/1 user to the financial institution (i.e., the corresponding supplier server) via the signaling server via the financial server system 104 (step 208), and the financial server system 104 You will be informed of the certification result.

As a result of the authentication check here (step 210), if it is determined that the client 116/1 is an invalid client that cannot receive the dormant account information service, the service server system 110 withdraws the corresponding non-authentication message. To the client 116/1 via the Internet 108 (step 212), and processing returns to the initial step 202.

On the other hand, if it is determined that the client 116/1 is a valid client capable of receiving the dormant account information service as a result of the authentication check in step 210, the service server system 110 has a dormant account service selection item. After the service selection menu screen is withdrawn and provided to the client 116/1 through the Internet 108 (step 214), the service waits for a dormant account service selection from the client 116/1 (step 216).

As a result of the check in the step 216, when the client selects the dormant account service, the service server system 110 displays the authentication information provided by the client 116/1, for example, a social security number and / or name. By searching the dormant account information DB 112, the dormant account related information (e.g., financial institution name, opening name, opening date, account number, balance, opening telephone number, etc.) related to the client 116/1 is displayed. After the withdrawal is made, a dormant account list screen is configured using the extracted dormant account related information (step 218), and the dormant account list screen configured through the Internet 108 is provided to the client 116/1.

Therefore, on the monitor of the client 116/1 side, the information on each dormant account related to the client user, the total dormant amount of the sum of the balances of the dormant accounts, the account transfer selection item and / or the transfer account input item, etc. are displayed. A list of dormant accounts including the screen is displayed (step 220), through which the client user can easily grasp the actual status of the dormant accounts currently owned and the total dormant amount related thereto. Here, the account transfer selection item is for use when the balance remaining in each of the retrieved dormant accounts is to be transferred to the account entered in step 206 described above for user authentication, and the transfer account input item is dormant This item is used when the client user wants to transfer the balance remaining in the accounts to any account he owns or to the account of another person he wants. Therefore, the user of the client 116/1 can transfer the balances remaining in the dormant accounts to his account, his other account, or another's account entered for authentication.

That is, in step 222, it is checked whether or not the user of the client 116/1 has selected an account transfer. If the check here indicates that the user of the client 116/1 selects an account transfer, The service server system 110 transmits the account transfer data (that is, the account number and the financial institution name data of the dormant accounts, the financial institution name and the corresponding account number) to be transferred to the financial server system 104, and the corresponding client 116/1. Request a bank transfer for the balances of the dormant account (see step 224).

Therefore, the financial server system 104 requests the account transfer by providing account number information of the financial institution to which the dormant balances are to be transferred to each provider server (ie, each financial institution) having the dormant accounts. Each corresponding supplier server performs the transfer process on demand, and transfers the result of the transfer, that is, the transfer result to the financial server system 104 (step 226).

As a result, the financial server system 104 deletes the relevant dormant account related information stored in the financial DB 106, that is, the dormant account related information which transfers the remaining balance to an arbitrary selected account, and transfers the corresponding account. A confirmation is sent to the service server system 110 (step 228).

Next, in response to the account transfer confirmation notification, the service server system 110 deletes the dormant account related information from the dormant account information DB 112 that transfers the balances to another selected account (step 230), and the dormant accounts. An account transfer report message indicating that the balances in the account are transferred to the account selected by the user of the client 116/1 is generated and provided to the corresponding client 116/1 through the Internet 108 (step 232).

Accordingly, the user of the client 116/1 may have information related to the details of the application for the transfer of funds related to his dormant accounts, that is, the balances of some dormant accounts have been transferred to some account (own account or another's account). Finally, it can be confirmed.

On the other hand, in the dormant account information service method according to the present invention, as well as a service for transferring the balance in the dormant account to a randomly selected account, the balance in the dormant account can be linked with a shopping mall to serve as a payment for e-commerce. The e-commerce linkage service will be described in detail with reference to FIG. 3.

3 is a flowchart illustrating a process of providing an e-commerce service by linking dormant account information, which is online service to an arbitrary client, to a shopping mall according to the present invention.

Referring to FIG. 3, the dormant account list screen provided to the client 116/1 in step 220 of FIG. 2 further includes a shopping mall selection item (step 302), and a dormant account including the shopping mall selection item. When the user of the client 116/1 on the list screen clicks on a "shopping mall selection" item for electronic commerce using a dormant amount (step 304), the corresponding shopping mall access request signal is transmitted to the Internet together with the selected shopping mall identifier information. Via 108 to the service server system 110.

At this time, there may be a plurality of shopping malls provided as selection information, and the shopping mall information is provided in the form of pop-up menu as the job information. Accordingly, the user of the client 116/1 may select one of the plurality of shopping malls provided in the form of a pop-up menu by clicking the item "select shopping mall".

Subsequently, in response to the shopping mall connection request signal, the service server system 110 connects to the shopping mall site using the address of the selected shopping mall stored in the information management DB 114 (step 306), and through the connection, the shopping mall site. The initial menu screen data provided from the data is transmitted to the corresponding client 116/1. Therefore, the initial menu screen provided by the shopping mall is displayed on the monitor on the client 116/1 side (step 308).

At this time, the client 116/1 user may be familiar with the current amount of the balance remaining in his own dormant account (for example, upper left corner, upper right corner, lower left corner, right corner of the initial menu screen). Bottom corner, etc.), the total amount information of the dormant balance is displayed, and the display of the total amount of the dormant information is performed by all of the balance remaining in the dormant account in the state of being connected to the service server system 110 through account transfer or payment. Continue until you run out.

Accordingly, the user of the client 116/1 may purchase desired products through the same or similar processes as those for purchasing a desired product, etc. in the shopping mall site, and pay the purchase price as a dormant balance. After purchasing a product on the site and selecting the payment of the dormant balance for the purchase price (steps 310 and 312), in response, the service server system 110 generates a balance status guide message including various selection items and generates a corresponding client ( 116/1) (step 314).

Here, the balance status guidance message may include a message indicating that there is a low amount of dormant balance for payment or how much is left after payment, and if the amount is insufficient, the remaining balance may be charged to the general settlement (for example, a credit card). Items that can be selected by way of payment, selected account payment, electronic money payment, etc.) and items that can be processed (ie, transfer funds, deposit funds, etc.) if there is a balance remaining in the dormant balance after payment. do.

That is, as a result of the check in steps 316 and 320, when the payment is insufficient and the remaining balance is selected as the general payment, in response to this, the service server system 110 checks the price of the goods purchased in the shopping mall. Part of the payment is made to the balance of the dormant account, and the remaining balance is settled by the general payment method selected by the user of the client 116/1 (step 322). In this case, the payment to the dormant balance may be such that the service server system 110 transfers the deposit account related information and the dormant account related information of the corresponding shopping mall stored in the information management DB 114 to the financial server system 104 to balance the dormant account. Is carried out by requesting a transfer to the deposit account, and the payment for the remaining balance is carried out using a credit card, an optional account, electronic money, or the like, i.e., a general method already known in the art.

Subsequently, the service server system 110 deletes the dormant account-related information stored in the dormant account information DB 112 when the dormant balance and the settlement of the purchase price of the commodity using the general payment method are completed. (At this time, the financial server system 104 also deletes the relevant dormant account-related information) (step 324), the dormant balance history guidance message to the client 116/1 via the Internet 108, that is, in any dormant account A message indicating that some of the balance has been partially paid for the purchased goods and the remaining balance has been paid through a credit card, a selected account, or electronic money (step 344).

On the other hand, if the balance remains in the dormant balance even when the payment is made (step 318), the client 116/1 may deposit the remaining dormant balance as a donation or transfer it to the desired account (steps 326 and 328). ), Select a fund donation site (eg, Helping Neighbors, Boys and Girls Best Helpers, Unemployed Kids Helpers, Unemployed Kids Helpers, etc.) that the client (116/1) user wants to deposit dormant balances as donations. At the bottom (step 330), this donation selection information is transmitted to the service server system 110 via the Internet 108. In this case, the donation information is provided in the form of a pop-up menu including a plurality of donation information as can information so that the user of the client (116/1) can select the desired donation.

In response, the service server system 110 pays for the goods purchased at the shopping mall as the balance of the dormant account (step 332), where the settlement using the balance of the dormant account is performed by the service server system 110. It is performed by transferring the deposit account related information and the dormant account related information of the shopping mall stored in the information management DB 114 to the financial server system 104 to request that the balance of the dormant account be transferred to the deposit account of the shopping mall.

Next, the service server system 110 transfers the dormant balance remaining after paying the purchase price of the product to the donation deposit destination selected by the user of the client 116/1 (i.e., account transfer), that is, the user from the information management DB 114. Withdraw the information related to the deposit account of the selected donation fund, and transfer the withdrawn information related to the deposit fund deposit account and the dormant account to the financial server system 104 to transfer the dormant balance of the dormant account to the deposit account of the donor. (Step 334).

Subsequently, when the payment and donation deposit processing is completed, the service server system 110 deletes the relevant dormant account-related information stored in the dormant account information DB 112 (at this time, the financial server system 104 also applies). Delete the dormant account-related information) (step 336), via the Internet 108, pay the client a dormant balance history guidance message, i.e., how much of the remaining balance in the dormant account to pay for the purchased goods; A message is provided indicating that the remaining dormant balance has been transferred to the selected donation depositary (step 344).

On the other hand, when a check to step 328 selects a transfer to a specific account for the remaining dormant balance remaining, the corresponding balance account transfer selection signal is transmitted to the service server system 110 via the Internet 108. do. Here, as an account to transfer the dormant balance, as in FIG. 2, an account input for authentication or an account of an individual or another person selected and input by the user can be selected.

In response, the service server system 110 performs the same processing as in the above-described steps 322 and 332 to settle the purchase price of the commodity with the balance of the dormant account (step 338), and the remaining dormant balance remaining after the settlement. For the transfer to the user selected account (step 340), the account transfer here may be performed in the same manner as shown in FIG.

Subsequently, when the payment and dormant balance transfer processing are completed, the service server system 110 deletes the dormant account related information stored in the dormant account information DB 112 (at this time, also in the financial server system 104). Delete the information related to the dormant account) (step 342), through the internet 108, to the client 116/1, the dormant balance history guidance message, that is, how much of the balance in the dormant account has been paid for And a message indicating that the remaining dormant balance has been transferred to the selected account (step 344).

Meanwhile, although the detailed illustration of FIG. 3 is omitted, in the present invention, when providing a shopping mall service using a dormant balance, a service for extracting only product information that can be purchased as a dormant account balance and providing the same to the client 116/1 user is provided. May be added.

That is, according to a preferred embodiment of the present invention, the balance remaining in the dormant account can be used to service the payment of goods purchased from the shopping mall site, and the remaining balance after the payment can be transferred to account transfer or donation. Services such as deposits can be provided.

On the other hand, in the dormant account information service method according to the present invention, as well as a service that transfers the balance in the dormant account to an arbitrarily selected account or provides for payment of an e-commerce transaction, the balance in the dormant account is linked to a financial server for financial products. It can be serviced by the purchase or subscription price of, the linkage service to such a financial product will be described in detail with reference to mainly attached FIG.

4 is a flowchart illustrating a process of providing a financial product service by linking dormant account information, which is serviced online to an arbitrary client, to a financial server according to the present invention.

Referring to FIG. 4, the dormant account list screen provided to the client 116/1 in step 220 of FIG. 2 further includes a financial product selection item (step 402), which includes the financial product selection item. On the dormant account list screen, if the user of the client 116/1 clicks on the "Select a financial product" item to purchase or join a desired financial product (e.g. savings, installments, insurance, etc.) (step 404), The corresponding financial product selection signal is transmitted to the service server system 110 via the Internet 108.

In response, the service server system 110 retrieves the prepared financial institution selection menu screen data and transmits the prepared financial institution selection menu screen data to the client 116/1 through the Internet 108. As a result, on the monitor of the client 116/1 side, For example, a financial institution selection menu screen including various kinds of financial sector items (eg, bank, insurance, investment trust, comprehensive finance, securities, etc.) is displayed (step 406).

In this case, each banking item is provided in the form of a pop-up menu including a plurality of financial institution information as canjab information, for example, when the user of the client 116/1 selects a bank item, all banks, Kookmin bank, housing bank, Chohung Canja information including financial institution information such as banks and Shinhan Bank is provided in the form of a pop-up menu screen. Thus, the client 116/1 user can select all banks or any individual bank on the pop-up menu. Here, selecting all banks or individual banks means that you want to receive financial product information for all banks or selected individual banks.

Thus, when the user of the client 116/1 selects the desired financial institution from the job information on the pop-up menu (step 408), the corresponding financial institution selection signal is generated along with the delimiter information of the selected financial institution or the whole financial institution. And to the service server system 110, in response, the service server system 110 sends the financial server system 104 the financial product information handled by the financial institution selected by the client 116/1 user. Request for transmission (step 410).

Subsequently, the financial server system 104 receives the relevant financial product information from the financial institution (i.e., the supplier server) selected by the user of the client 116/1, or the selected financial store that has been previously provided from the financial institution and stored therein. The financial product information of the institution (that is, the financial product information including detailed information of each financial product) is transmitted to the service server system 110 (step 412).

Next, the service server system 110 constructs a financial product list screen using the financial product information of the selected financial institution received from the financial server system 104, and stores the configured financial product list screen data on the client 116/1. (Step 414), as a result, a financial product list screen of a plurality of individual financial products each having brief information for each product is displayed on the monitor on the client 116/1 side (step 416).

At this time, the user of the client 116/1 may receive the detailed information about each of the individual financial products. When the user selects any individual financial products on the financial product list screen (step 418), The individual financial product selection signal is transmitted to the service server system 110 via the Internet 108, and in response, the service server system 110 provides the client 116/1 with detailed information about the selected individual financial product. (Step 420), as a result, the user of the client 116/1 can check the detailed information of the individual financial product selected by the user. In this case, the menu screen for providing detailed information includes a selection item (ie, a subscription or purchase selection item) for subscribing or purchasing the financial product.

Subsequently, in step 422, it is checked whether the user of the client 116/1 has selected a subscription application item. If the user selects a subscription application item and selects a balance processing result (step 424), The subscription request and balance processing selection signal, correspondingly generated, are transmitted to the service server system 110 via the Internet 108.

At this time, assuming that the financial instrument requested by the user of the client 116/1 is a savings deposit in monthly payment, the one-time payment and the two-time payment are replaced with the dormant balance in consideration of the total amount of the dormant balance (ie, the dormant account). You can choose to transfer to the appropriate savings account at, and the balance processing can choose to transfer the remaining dormant balance to the account selected by the client (116/1) user (i.e., the account for authentication or a user-selected account). .

Next, the service server system 110 generates a subscription request message (that is, a subscription request message including a number of payments, a dormant account number, and a dormant balance account transfer request) that wants to subscribe to a specific financial product of a financial institution selected by the user. And transmits to the financial server system 104 (step 426), and in response, the financial server system 104 performs a series of subscription application procedures through communication between the financial institution with the dormant account and the selected financial institution to subscribe. (116/1) The user subscribes to (or purchases) a specific financial product of a financial institution of his choice.

Subsequently, when the financial product subscription procedure is completed through a series of processes, the financial server system 104 generates a subscription confirmation message confirming that the user of the client 116/1 is subscribed to the specific financial product, and thereby the service server system 110. (Step 428), and delete the dormant account related information stored in the dormant account information DB 112 (at this time, the financial server system 104 also deletes the dormant account related information) (step 430 ), Through the Internet 108, pay the client 116/1 a dormant balance history guidance message, i.e., how much of the balance in a dormant account as the purchase price of the financial product selected by the user, and pay the remaining dormant balance in which account Provide a message indicating that the transfer was successful (step 432).

That is, according to a preferred embodiment of the present invention, a desired financial product can be purchased or subscribed using the balance remaining in the dormant account, and a service for purchasing or joining the financial product and transferring the remaining balance to the desired account is provided. Can be provided.

In addition, the present embodiment has been described as transferring the dormant balance remaining after purchasing a product to a specific account selected by the user, but the dormant balance to the donation fund selected by the user by providing a service in the same manner as shown in FIG. You can also service to send money.

On the other hand, the dormant account information service method according to the present invention transfers the balance in the dormant account to an arbitrarily selected account, provides for payment of electronic commerce, or provides for the purchase price of financial products, as well as services in the dormant account. The balance can be serviced by a user who wants to deposit a donation, which will be described in detail with reference to FIG. 5.

5 is a flowchart illustrating a process of providing a donation service by linking dormant account information that is online service to any client according to the present invention.

Referring to FIG. 5, the dormant account list screen provided to the client 116/1 in step 220 of FIG. 2 further includes a donation item (step 502), and a dormant account including the donation item. On the list screen, "donations" for the donation of funds to the depository desired by the user of the client (116/1), for example, the Association for Helping the Neighbor, the Association for the Help of the Unemployed, the Association for the Help of the Unemployed, the Association for the Support of the Lacking Children, etc. When the item is clicked (step 504), the corresponding fund deposit selection signal is transmitted to the service server system 110 via the Internet 108.

In response, the service server system 110 withdraws the donation information from the information management DB (), and constructs a depository list menu screen including a plurality of registered donation information using the extracted information. And transmits to the client 116/1 via the 108, and as a result, a depository list menu screen including a plurality of donation information is displayed on the monitor on the client 116/1 side (step 506).

Accordingly, the user of the client 116/1 can arbitrarily select the desired depository and the deposit, and when the desired depository and the deposit are selected (steps 508 and 510), the corresponding depository and deposit selection signal is generated from the Internet ( 108 is transmitted to the service server system 110. At this time, the user of the client 116/1 may deposit all of the dormant balances into one depository, or may divide and deposit some of them into several depository deposits.

Subsequently, the service server system 110 withdraws the deposit account information of the selected depository from the information management DB (), and transfers the withdrawn deposit account information, the deposit information and the dormant account related information (ie, the account transfer related information). To the system 104 (step 512), and in response, the financial server system 104 performs an account transfer procedure via communication between the financial institution having a dormant account and the depository associated financial institution, thereby providing the client 116/1. A donation service to the user's chosen donation site is performed (step 514).

Subsequently, when the transfer process for depositing funds is completed through a series of processes, the financial server system 104 generates a transfer confirmation message confirming that the dormant balance of the user of the client 116/1 has been transferred to the depository deposit account. After transmitting to the service server system 110 (step 516) and deleting the dormant account related information stored in the dormant account information DB 112 (at this time, the dormant account related information also in the financial server system 104). (Step 518), provide the client 116/1 with the dormant balance history guidance message via the Internet 108, i.e., a message indicating how much of the dormant balance in the dormant account was donated to a depository. (Step 520).

That is, according to the preferred embodiment of the present invention, each client may be provided with a service of depositing (account transfer) as a donation to a specific fund depositor who wants a dormant balance remaining in the dormant account.

As described above, according to the present invention, the existing dormant accounts in each financial institution are built as a database, and any dormant account related information is serviced to any client requesting the service through the Internet, and the dormant balance in the dormant account is used. Dormant payments in dormant accounts by making an online transfer to any chosen account or by linking a dormant balance in a dormant account to electronic commerce to make payments or sign up for (or purchase) financial products. Can be actively used in practical real economic activities.

Claims (26)

Claims [1] A method for servicing dormant account information to a plurality of clients having internet access means by using a dormant account service server system having an information database storing dormant account related information for each financial institution. A first step of accumulating the dormant account related information in the information database each time a dormant account occurs in each financial institution; A second step of requesting authentication information for user authentication from the arbitrary client when any client accesses a dormant account service website through the Internet; A third step of authenticating the arbitrary client by transmitting the received authentication information to a financial server when the authentication information including at least a unique identifier representing the arbitrary client is received; A fourth step of granting a dormant account service request to the arbitrary client when the arbitrary client is authenticated; When the arbitrary client requests a dormant account service, the information database is searched and the dormant account-related information for each financial institution related to the arbitrary client is retrieved to generate a dormant account list screen, and the arbitrary dormant is set via the Internet. A fifth step of providing a generated dormant account list screen to a client; A sixth step of requesting transfer of funds to the selected account by transferring the dormant account related information and the selected account related information to the financial server when the client requests the transfer to the randomly selected account; A seventh step of executing transfer of funds to the selected account by transferring dormant account related information to financial institutions related to the dormant account; And A dormant account information service method using the Internet comprising an eighth process of deleting the dormant account related information transferred from the information database. The method of claim 1, wherein the service method further comprises: providing, to the client, an account transfer report message indicating a money transfer history from the dormant account to a selected account after executing the money transfer. A dormant account information service method using the Internet. The method of claim 1 or 2, wherein the authentication information includes a name, a social security number, a financial institution name, and an account number. The dormant account information service method using the Internet according to claim 3, wherein the selected account for transferring money is an account number included in the authentication information. 4. The dormant account information service method using the Internet according to claim 3, wherein the selected account for transferring money is an arbitrary account of a person or another person's name which the client selects and inputs when the transfer request is made. The dormant account list screen according to claim 1 or 2, wherein the dormant account list screen includes a financial institution name, an opening store name, an opening date, an account number, a balance, and an opening store telephone number for each dormant account. Account Information Service Method. The dormant account list screen further includes an item for selecting a shopping mall. The service method is: A nineth process of providing a menu environment for virtual shopping to the arbitrary clients by accessing the selected specific shopping mall site through the Internet when the arbitrary client clicks on the shopping mall item to select a specific shopping mall site; A tenth step of requesting user selection for payment through a dormant balance, a dormant deficit, and a dormant balance when the client selects a payment to a dormant balance after purchasing a certain product; When the dormant deficit occurs and the arbitrary client selects the generated dormant deficit as a general payment process, the dormant balance is used to pay a part of the purchase price of the purchased product, An eleventh process of making payment by a general payment process of a method selected by the client; When the dormant balance is generated and the arbitrary client selects the generated dormant balance as a wire transfer, the dormant balance is used to pay for the purchased goods, and the dormant balance is generated by the arbitrary client. A twelfth process of transferring to the selected specific account; And And a thirteenth process of deleting dormant account related information related to the payment for goods, after the processing of the eleventh process or the twelfth process, from the information database. . 8. The method of claim 7, wherein the service method is: Requesting any client to transfer the generated dormant balance to a donation of their choice; Paying the purchase goods using the dormant balance, and transferring the generated dormant balance to a deposit account of a donation fund selected by the client; And And after the processing of the process, deleting the dormant account-related information related to the payment for the goods and depositing the donation from the information database. 10. The process of claim 8, wherein the request for transfer of funds is: The random client selecting a donation; In response to the donation selection, providing canam information including a plurality of predetermined donation information in the form of a pop-up menu to the client; And And a step of requesting a transfer of a dormant balance to a selected donation deposit when selecting any one of the plurality of donation information in the canja information. The method of claim 7 or 8, wherein the service method further comprises: providing to the client a guide message indicating a usage history of the dormant balance after the payment or the payment and the money transfer processing of the purchased goods. A dormant account information service method using the Internet, characterized in that it further comprises. The method of claim 7 or 8, wherein the ninth process is: When the arbitrary client clicks on the shopping mall item, providing the job information including a plurality of shopping mall information to the arbitrary client in the form of a pop-up menu; Selecting selected shopping mall information as the specific shopping mall site when selecting any one of a plurality of shopping mall information in the job information; Accessing the selected specific shopping mall site; And And providing the virtual shopping menu environment provided from the selected specific shopping mall site to the arbitrary clients. The method of claim 7 or 8, wherein the general payment method is any one of a credit card payment method, a selected account payment method, and an electronic money payment method. The dormant account information service method using the Internet according to claim 7 or 8, wherein the specific account for transferring money is an account number included in the authentication information. 10. The dormant account information service using the Internet according to claim 7 or 8, wherein the specific account for transferring money is any account of the person or another person selected by the client when the transfer request is made. Way. The method of claim 7 or 8, wherein the dormant account list screen further includes a product selection item for selecting a purchaseable product, The service method is: Requesting, by the optional client, the selection item of the product, requesting selection product information that can be purchased as the dormant balance from the selected shopping mall site; Constructing an optional virtual shopping menu environment using the selected product information provided from the selected shopping mall site; And And providing the configured optional virtual shopping menu environment to the arbitrary clients. 9. The service method according to claim 7 or 8, wherein the service method comprises: total information on the balance of the dormant account is transferred to a predetermined portion of the arbitrary client-side monitor from the start of the connection to the selected shopping mall site until the end of the connection. A dormant account information service method using the Internet further comprising the step of displaying. The dormant account list screen further includes an item for selecting a financial product. The service method is: Step 14, wherein the arbitrary client clicks on the financial product selection item to select a specific financial institution desired and requests financial product information of the selected financial institution; Processing a financial product information of the selected financial institution to construct a financial product list screen including a plurality of individual financial product information including product content information, and providing the constructed financial product list screen to the arbitrary clients; process; A sixteenth step of providing detailed information on the selected financial instrument to the arbitrary client each time the individual financial instrument on the financial instrument list screen is selected; When selecting one of the plurality of individual financial products, the purchase of the financial product is concluded by transferring the selected purchase price among the balances in the dormant account among the selected financial institutions, and the dormant balance remaining in the dormant balance is recalled. A seventeenth step of transferring to a specific account selected by any client user; And an eighteenth step of deleting dormant account related information related to the financial product purchase price processing from the information database. 18. The method of claim 17, wherein the service method further comprises the step of providing the client with a guide message indicating the usage history of the dormant balance after the purchase of the financial product and the transfer of the dormant balance. Method of dormant account information service using internet. 18. The method of claim 17, wherein the service method further comprises providing detailed information of the requested individual financial products to the client whenever the detailed information is requested for each of the plurality of individual financial products. A dormant account information service method using the Internet. 18. The method of claim 17, wherein the service method further comprises the step of transferring the dormant balance to an account associated with the donor deposit selected by the client user when requesting a donation for the dormant balance. Method of dormant account information service using internet. The process of claim 20, wherein the transfer of funds is: If the donation deposit is selected, providing the job information including a plurality of donation information to the arbitrary clients in the form of a pop-up menu; Retrieving account information associated with the selected donation deposit when selecting one of a plurality of donation deposit information in the canjab information; And Transferring the withdrawn funds related account information to a financial institution having the dormant balance and requesting an account transfer, thereby transferring the dormant balance to an associated account of the selected donor deposit; Method of dormant account information service. 22. The dormant account information service method using the Internet according to any one of claims 17 to 21, wherein the service method is a specific account for transferring money, the account number included in the authentication information. 22. The Internet according to any one of claims 17 to 21, wherein the specific account for transferring money is any account of the person or another person selected and inputted by the client when the transfer request is made. Method of dormant account information service. 22. The service method according to any one of claims 17 to 21, wherein the service method comprises: gross balance content information of the dormant account from a start point to a end point of the financial instrument gradient service to a predetermined portion of the arbitrary client side monitor. A dormant account information service method using the Internet further comprising the step of displaying. The dormant account list screen further includes an item for depositing funds. The service method is: A nineteenth step of the arbitrary client selecting the donation item and requesting donation information; In response to the donation information request, generating a depository list menu screen including a plurality of depository information using a plurality of registered donation information, and providing the generated depository list menu screen to the arbitrary client; 20th process; A twenty-first step of selecting one of the plurality of donations and requesting donation of the dormant balance, transferring the balance of the dormant account to a deposit account of the selected donation deposit; And And a twenty-second step of deleting dormant account related information related to the donation processing from the information database. 27. The method of claim 25, wherein the service method further includes providing a guide message indicating a usage history of the dormant balance to the client after the transfer process for depositing the donation. Method of dormant account information service.