KR20030066494A - A method and system for management of a family banking using representative account with a bank - Google Patents

Abstract

PURPOSE: A method and system for managing a finance of a family using the representative account is provided to execute a general management with respect to a finance of a family easily by on-line representative account of parents. CONSTITUTION: If parents join to an Internet banking and input information. And then, the parents are joined as Internet banking members(S100). The parents request to join their children as members of the Internet banking(S200). An on-line parents representative account is created(S300). An on-line parents account is created in the on-line parents representative account(S400). Accounts of the children linked with the on-line parents representative account are created(S500). An on-line children object account is created in the on-line children account(S600). After creating the accounts, if a specific service is requested, a corresponding service is executed(S700).

Description

A method and system for management of a family banking using representative account with a bank}

The present invention relates to a method and system for financial management of a family using a representative account. Particularly, the present invention relates to a family using a representative account for facilitating comprehensive management of a family's finance through a parent's online representative account. It relates to a financial management method and system.

More specifically, the status and plan of the funds are managed separately by the parent and the child, and the details are managed through the parent's representative account and the daily withdrawal limit adjustment is managed in the use of the children's funds (money). And approving, rejecting, and withholding requests for approval of transfers so that children can check and manage their children's funds (financing) on an ongoing basis, and encourage their children to directly check and manage their allowances, history and plans. The present invention relates to a financial management method and system of a family using a representative account for experiential learning on financial transactions.

In general, the Internet is an open network configured to freely connect and use a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to other computers that want to connect anywhere in the world. In addition, various services such as e-mail, file transfer, and the World Wide Web (WWW) may be used, such as being used for the delivery of multimedia information with the development of compression technology.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. This area is also expanding, and the number of Internet users is gradually increasing.

That is, in recent years, as part of the business through the Internet, various contents such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, electronic commerce, internet banking, etc. Sites that provide a growing number of users.

According to the variety of contents, users are increasingly attracted to the use of the Internet, and the use time of the individual Internet is also gradually increasing.

In particular, the use of the Internet shopping mall is one of the sites that are very popular in recent years due to the convenience that it is possible to purchase the goods without going directly to the store, the payment method when purchasing the goods is also made simply by using a credit card There is a situation.

Here, credit cards were acquired by high school students who had no income due to reckless card issuance, or college students who had difficulty in earning their jobs, and used them indiscriminately.

In particular, even when a credit card is issued with the parent's consent at the time of issuing a credit card, it can be used without the parent's consent (or approval). Therefore, children who have no income other than pocket money use the credit card indiscriminately. In other words, the burden has been passed on to parents, causing social problems with credit cards.

Here, the bank associated with the payment of the credit card will issue a bank account having an account number linked to the credit card, which is assigned one account number per bank account.

In other words, in order to use the sales network of the current banknote, each bank branch must be given an account number, and this account number is given one account number per bank account, and each account number is used independently without being linked to each other.

For example, if a family has 5 people (parents and 3 children), and all family members want to use the same bank, they will be given 5 account numbers and used individually.

Therefore, if the parent wants to manage the account number of all the family, it is inconvenient to check the account assigned to each account number from time to time.

In other words, in the related art, it is difficult for parents to comprehensively manage all accounts of a family including children online.

In this case, when parents do not separately manage the account number associated with the credit card of a child who does not have income, a problem occurs that causes a bad credit due to the abuse of the credit card.

Accordingly, an object of the present invention is to provide a method and system for financial management of a family using a representative account, which enables a parent to more easily manage a family's finance through an online representative account.

More specifically, the status and plan of the funds are managed separately by the parent and the child, and the details are managed through the parent's representative account and the daily withdrawal limit adjustment is managed in the use of the children's funds (money). And approving, rejecting, and withholding requests for approval of transfers so that children can check and manage their children's funds (financing) on an ongoing basis, and encourage their children to directly check and manage their allowances, history and plans. The purpose of this study is to provide a family financial management method and system using a representative account for experiential learning on financial transactions.

"Family financial management system using a representative account" according to the present invention for achieving the above object,

Dedicated emulator, mobile, online partner, insurer, credit rating agency, banking system that controls overall banking control, Biz system, debit card, which is connected to the banking system to control operation during personal banking and corporate banking A card system connected to an affiliated store to perform all control on the use of a debit card, a first relay system for interfacing data between the card system and the Biz system, an electronic banking system for internet banking, and the Biz system and the electronic banking system. In the financial management system consisting of a second relay system for interfacing data,

Establishes a representative account of the family in connection with the banking system, establishes a purpose account / online child account / online child purpose account linked to the representative account, transfers, withdrawals, and inquiry control processes linked to the representative account It is characterized in that it comprises a linkage system for interworking management of each account online.

In the above linkage system,

A data interface unit for interfacing data with the banking system and interfacing data between respective systems;

An online parent representative account manager connected to the data interface unit for establishing and managing an online parent representative account;

At least one online parent purpose account manager for establishing and managing an online parent purpose account under the control of the online parent representative account manager;

At least one online child account manager for establishing and managing an online child account under the control of the online parent representative account manager;

At least one online child purpose account management unit for establishing and managing an online child purpose account under the control of the online child account manager;

It is connected to the data interface unit, characterized in that configured as a history output unit for outputting the details to the electronic receipt when the history output request.

"Family financial management method using a representative account" according to the present invention for achieving the above object,

Requesting a family representative (parent) to join internet banking through a banking system, requesting information input for internet banking subscription, and registering the information as an internet banking member if the corresponding information is inputted;

Registering the child when the child requests registration after joining the Internet banking member;

Creating an online parent representative account that is a representative account of the family representative;

Creating an online parent purpose account for each purpose linked to the online parent representative account;

Creating an account of the registered child associated with the online parent representative account;

Creating a child purpose account for each purpose linked to the online child account;

If the specific service is requested after creating the account, characterized in that it comprises the step of executing the appropriate service.

The step of running the service in the above,

Checking a service item;

Performing a transfer service by executing a transfer processing subroutine when the check result service item is a transfer service;

Performing a cash withdrawal service by executing a cash withdrawal subroutine when the check result service item is a cash withdrawal service;

When the check result service item is an inquiry service, the inquiry subroutine is executed to perform an inquiry service.

In the above variant subroutine,

Setting a parent representative account as a withdrawal account and setting another account as a deposit account;

Checking the transfer request target and processing the transfer if the parent requests the transfer;

Requesting approval from a parent if a child requests a transfer as a result of checking the transfer request object;

If the result is received within the set time after the approval request, the received result is searched and the transfer is processed in case of approval, and if it is pending, the contents are stored in the approval request list and the transfer is terminated. Characterized by consisting of the steps of saving and ending the transfer.

In the above cash withdrawal subroutine,

Checking whether the requested cash is within a withdrawal limit set by the parent;

Notifying withdrawal details if the requested cash is not within the set withdrawal limit;

If the requested cash is within the set withdrawal limit, checking whether the parent requests cash withdrawal, and if the parent requests the withdrawal, performing withdrawal processing;

Requesting approval from the parent if the child has made a withdrawal request;

Receiving and analyzing the result after the request for approval, if the analysis result is approved, withdrawal processing, if the refusal is characterized in that the step of storing the corresponding contents in the rejection list and end the withdrawal processing operation.

In the above query subroutine,

Checking an inquiry item and displaying the details of an online parent purpose account if the inquiry result is an inquiry of an online parent purpose account;

If the inquiry item is an inquiry of an online child account, displaying a transaction history and a usage history of the child's account;

When the inquiry item is the inquiry of the use history of funds by the family member, it is characterized in that the step of displaying the funds spent for each family member individually or the ratio of the family.

1 is a block diagram showing the configuration of a family financial management system using a representative account according to the present invention,

2 is a block diagram showing an embodiment configuration of the linkage system of FIG.

Figure 3 is a flow chart showing a family financial management method using a representative account according to the present invention,

4 is a flowchart illustrating an embodiment of a service performing step of FIG. 3;

5 is a flowchart showing a variant subroutine of FIG.

FIG. 6 is a flowchart illustrating a cash withdrawal subroutine of FIG. 4;

7 is a flowchart illustrating the inquiry service subroutine of FIG. 4.

<Explanation of symbols for the main parts of the drawings>

200 ..... Linkage System

220 ..... Online Parent Representative Account Management

221, 221N ..... Online Parent Purpose Account Management Department

230, 230N ..... Online Child Account Management

240, 240N ..... Online Child Purpose Account Management Department

Hereinafter, described in detail with reference to the accompanying drawings, preferred embodiments of the present invention according to the technical spirit as described above.

1 is a block diagram showing the configuration of a "family financial management system using a representative account" according to the present invention.

Here, reference numeral 100 denotes a banking system (iB2B system) that is connected to a dedicated emulator 101, a mobile 102, an online affiliate 103, an insurance company 104, a credit rating agency 105, and takes charge of overall control of banking. Reference numeral 300 denotes a Biz system connected to the banking system 100 to perform operation control during personal banking and corporate banking, and reference numeral 500 is connected to the debit card affiliate store 510 to use a debit card. The reference numeral 410 denotes a first relay system for interfacing data between the card system 500 and the Biz system 300, and the reference numeral 600 denotes an electronic banking system for internet banking. A reference system 420 denotes a second relay system for interfacing data between the Biz system 300 and the electronic banking system 600.

Such a configuration represents a configuration of a general financial management system, and the present invention establishes a representative account of a family in connection with the banking system 100 in the financial management system as described above, and an objective account for each purpose linked to the representative account. It is configured to include a linkage system 200 for establishing a new / online child account / online child purpose account, performing a transfer, withdrawal, and inquiry control process associated with the representative account, and interworking and managing each account online.

Herein, operations of the banking system 100, the Biz system 300, the first and second relay systems 410 and 420, the card system 500, and the electronic banking system 600 are similar to those of the conventional financial management system. Since the operation is the same, detailed operation thereof is omitted, hereinafter only the configuration and operation of the linkage system 200 which is a characteristic technical component of the present invention will be described in detail.

First, the linkage system 200 establishes an online parent representative account after the representative of the family joins the Internet banking and establishes a purpose account / online child account / online child purpose account linked to the representative account, and the representative account. The transfer, withdrawal, and inquiry control process associated with is performed, and each account is linked and managed online.

2 is a block diagram showing an embodiment configuration of the linkage system 200.

As shown therein, a data interface unit 210 for interfacing data with the banking system 100 and interfacing data between systems therein; An online parent representative account manager 220 connected to the data interface unit 210 for establishing and managing an online parent representative account; At least one online parent purpose account manager (221, 221N) for establishing and managing an online parent purpose account under the control of the online parent representative account manager (220); At least one online child account manager 230, 230N for establishing and managing an online child account under the control of the online parent representative account manager 220; At least one online child purpose account manager (240, 240 + N) for establishing and managing an online child purpose account under the control of the online child account manager (230); It is connected to the data interface unit 210, and consists of a history output unit 250 for outputting the details to the electronic receipt when the history output request.

Looking at the operation of the linkage system 200 configured as described above in more detail.

First, the data interface unit 210 interfaces data with the banking system 100, and serves to interface data between respective systems.

Next, the online parent representative account manager 220 connected with the data interface unit 210 establishes and manages an online parent representative account at the request of a parent who is a representative of a family. Here parents represent the parent clients of the family financial management services, which are able to create / view / modify / cancel online destination accounts, register children, and make new, inquiry, termination, approval / rejection of online child accounts. It has the authority to approve / decline / hold the children's cash withdrawal limits and request transfer authorization.

In addition, the parent representative account is the basic account of the family financial management, which is the general management account of the online account. It is an account that can be newly registered and terminated only online, and the account is not issued. That is, it is managed in the form of a binder through the provision of a binder, and the details are only output online. In addition, a cash card for cash withdrawal is issued, which can not be withdrawn by an employee (window) and can only be used for CD / ATM devices.

The online parent representative account manager 220 may control at least one or more online parent purpose account managers 221 and 221N to establish and manage an online parent purpose account. In this case, the online object account is a free entry / exit account, which is managed online by the object name of the account rather than the account number (for example, a house, a car, and the like). This is also an account that does not issue a bank account, and can be opened selectively according to the purpose, period, and amount required. It shows the breakdown in the form of a graph or a visible form, and displays the plan for the remaining period in terms of money.

Next, the online child account manager 230, 230N, the online parent representative account manager 220 establishes and manages an online child account under control.

Here, the child refers to the child registered by the parent who opened the online representative account, and can view and create and manage the online child account, request the approval or rejection of the online child account, and request the approval in the transfer transaction. In this case, the contents of the approval request list can be deleted / modified / executed. You can also open, view, modify, or close your online destination account. In addition, the online child account is the basic account of the child, the account is not issued. This is also managed in the form of a binder through the provision of a binder, and the details are printed online only. A cash card for cash withdrawal is an account issued and cannot be withdrawn through a cashier.

Finally, the online child purpose account manager 240, 240N establishes and manages the online child purpose account under the control of the online child account manager 230.

Here, the online child purpose account is a free entry / exit form of account that is managed online by the purpose of the account rather than the account number (eg, house, car, etc.). This is also an account that does not issue a bank account, and can be opened selectively according to the purpose, period, and amount required. It shows the breakdown in the form of a graph or a visible form, and displays the plan for the remaining period in terms of money.

Figure 3 is a flow chart showing a "family financial management method using a representative account" according to the present invention.

As shown in this, when the family representative (parent) requests to join the Internet banking through the banking system 100, requesting information input for joining the Internet banking, and registering the information as an internet banking member when the corresponding information is entered ( S100); Registering the child when the child requests the registration after joining the internet banking (S200); Generating an online parent representative account which is a representative account of the family representative (S300); Generating an online parent purpose account for each purpose linked to the online parent representative account (S400); Generating an account of the registered child linked to the online parent representative account (S500); Creating a child purpose account for each purpose linked to the online child account (S600); If a specific service is requested after generating the account, the step of executing the appropriate service is performed (S700).

When described in more detail "method of financial management of the family using the representative account" according to the present invention as described above in more detail.

First, in step S100, when the family representative (parent) requests the internet banking subscription through the banking system 100, it requests the input of information for joining the internet banking, and if the corresponding information is inputted, the member is registered as an internet banking member. Here, the internet banking subscription is made of a process such as registering a withdrawal account, registering as a deposit account, and issuing a security card.

Next, in step S200, if the child is requested to register after joining the Internet banking member, the child is registered. Here, when registering a child, the child is registered through the child's resident registration number and name registration.

Next, in step S300 it is to create an online parent representative account that is the representative account of the family representative. Here, the parent representative account is the basic account of the family financial management, which is the general management account of the online account. It is an account that can be newly registered and canceled only online and is not issued. That is, it is managed in the form of a binder through the provision of a binder, and the details are only output online. In addition, a cash card for cash withdrawal is issued, which can not be withdrawn by an employee (window) and can only be used for CD / ATM devices.

Next, in step S400, an online parent purpose account for each purpose linked to the online parent representative account is generated. Here, the online purpose account is a free-access type account that is newly launched online, and is managed by the purpose name of the account rather than the account number. For example, bankbook name (my house, refrigerator, etc.), product details (e.g. number / model name, etc.), family classification (family, husband, wife, grandfather, grandmother, children 1, children 2, etc.), amount of money, deposit Amount, direct debit classification, date of direct debit, and debit amount. This is also an account that does not issue a bank account, and can be opened selectively according to the purpose, period, and amount required. It shows the breakdown in the form of a graph or a visible form, and displays the plan for the remaining period in terms of money.

Next, in step S500, an account of the registered child linked to the online parent representative account is generated. In other words, it creates a representative account for children to manage their own funds, and creates a Family Finance Management (FFM) access ID and password that children can access.

Next, in step S600, a purpose account for each child linked to the online child account is generated. Here, the child purpose account creates a new online child purpose account using the online child account which is the basic account as a withdrawal account. In addition, the bank account name (astronomical telescope, digital camera, etc.), product details (model name, etc.), required amount, required period, deposit amount, debit classification, debit date, and debit amount are set. Inquiry can search all, period, situation etc. comprehensively, and amendment will revise the changes in the input contents. Cancellation request can be requested to be terminated / expired / prematurely. It must be approved by the parent.

In the state where each account is created in this process, as shown in step S700, when a specific service is requested, the appropriate service is executed.

4 is a flowchart illustrating a specific embodiment of the service execution step (S700).

As shown therein, step S710 of checking a service item; Performing a transfer service by executing a transfer processing subroutine if the service item is a transfer service (S720, S730); Performing a cash withdrawal service by executing a cash withdrawal subroutine when the check result service item is a cash withdrawal service (S740 and S750); When the check result service item is an inquiry service, an inquiry subroutine is executed to perform an inquiry service (S760 and S770).

4 is a flowchart illustrating a specific embodiment of the service execution step (S700).

Looking at the service execution step (S700) made in this way in more detail, first check the service items that the parents or children who have joined the family financial management member online to operate in step S710.

In step S720, it is checked whether the service item is a transfer service. If the service item is a transfer service, the service item moves to step S730 to execute a transfer processing subroutine to perform a transfer service.

5 is a flowchart illustrating an embodiment of the variant subroutine S730.

As shown here, setting a parent representative account as a withdrawal account and setting another account as a deposit account (S801); Checking the target of the transfer request and processing the transfer if the parent requests the transfer (S802 and S803); Requesting approval from the parent when the child requests a transfer as a result of checking the transfer request target (S804); If the result is received within the set time after the approval request, the received result is searched and the transfer is processed in case of approval, and if it is pending, the contents are stored in the approval request list and the transfer is terminated. Saving and ending the transfer (S805 ~ S812) is made.

One embodiment of the variant subroutine (S730) made in this way is described in more detail as follows.

First, in step S801, the parent representative account is set as the withdrawal account, and the other account is set as the deposit account, and in step S802, it is checked whether the transfer request target is the parent (it can be checked at login). If the transfer result is the parent as a result of the check, go to step S803 to process the transfer.

Next, when the child requests a transfer as a result of checking the transfer request object, the process moves to step S804 to request approval from the parent. In this case, the approval request can be easily obtained by using a short message service (SMS). After the approval request, it is checked whether a response to the approval request is received as in step S805, and the standby state is maintained as in step S806 until a predetermined time elapses. If there is no response after a certain time, the transfer service is terminated.

If a response is received before the predetermined time has elapsed, it is checked whether the received response is an approval in step S807. If the result of the check is an approval, the process moves to step S803 to process the transfer normally.

In addition, if the response is not approved, go to step S808 to check whether the response is pending. If the response is pending, go to step S809 to store the contents in the approval request list and terminate the transfer. . Of course, no transfer takes place in this case.

In addition, if the response is not pending, go to step S810 to confirm whether the response is rejected. If the response is not a rejection result, go to step S811 and return, otherwise, if the response is rejected, In step S812, the contents are stored in the reject list and the transfer is terminated. Of course, no transfer takes place in this case either.

Next, if the check result service item of step S720 is not a transfer service, go to step S740 to check whether the service item is a cash withdrawal service, and if the check result service item is a cash withdrawal service, go to step S750. A cash withdrawal subroutine is executed to perform a cash withdrawal service.

6 is a flowchart illustrating an embodiment of the cash withdrawal subroutine (S750).

As shown in the figure, checking whether the requested cash is within the withdrawal limit set by the parent (S901); Notifying withdrawal details if the requested cash is not within the set withdrawal limit (S902); If the requested cash is within the set withdrawal limit, checking whether the parent requests cash withdrawal, and if the parent requests the withdrawal, performing withdrawal processing (S903, S904); Requesting approval from the parent when the child has made a withdrawal request (S905); Receiving and analyzing the result after the request for approval, and if the analysis result is approved, withdrawal processing, and if the refusal is stored in the rejection list and ends the withdrawal processing operation (S906 ~ S909).

If described in more detail an embodiment of the cash withdrawal subroutine (S750) as described above are as follows.

First, it is checked whether the cash requested in step S901 is within the withdrawal limit set by the parent, and if the requested cash is not within the withdrawal limit set by the parent, the procedure goes to step S902 to notify the withdrawal details.

On the contrary, if the requested cash is within the set withdrawal limit, in step S903 it is checked whether the parent requests cash withdrawal, and if the result is requested by the parent, the processing proceeds to step S904 to perform withdrawal processing.

Next, if the child has made a withdrawal request as a result of the check, the process moves to step S905 to request the approval from the parents. In this case, when the short message service (SMS) is used for the approval request, the approval request can be easily performed.

After the approval request, it is checked whether a response to the approval request is received as in step S906, and the standby state is maintained as in step S907 until a predetermined time elapses. If there is no response after a certain time, the cash withdrawal service will be terminated.

If a response is received before the predetermined time has elapsed, the response is checked as in step S908. If the response is a result of the check, the process moves to step S904 to perform a withdrawal process.

On the other hand, if the response is rejected, the process moves to step S909, the corresponding contents are stored in the reject list, and the withdrawal processing operation is terminated. Of course, no withdrawal occurs in this case.

In addition, if the service item is not a cash withdrawal service as a result of checking in step S740, go to step S760 to confirm whether the service item is a inquiry service, and if the service item is not the inquiry service, the return is returned. Alternatively, if the service item is an inquiry service, the process moves to step S770 to execute an inquiry subroutine to perform an inquiry service.

7 is a flowchart illustrating an embodiment of the inquiry subroutine S770.

As shown therein, checking the inquiry item and displaying the details of the online parent purpose account when the inquiry result is the inquiry of the online parent purpose account (S1001 and S1002); Displaying the transaction history and the usage history of the child's account when the inquiry item is an inquiry of the online child account (S1003, S1004); When the inquiry item is the inquiry of the use history of funds by the family members, the steps required to individually display the funds spent by the family members or display the ratios of the families (S1005 to S1007).

The operation of the inquiry subroutine S770 made as described above will be described in more detail as follows.

First, in step S101, it is checked whether the inquiry item is an online parent purpose account inquiry. If the check result is an online parent purpose account inquiry, the process proceeds to step S1002 and displays the details of the online parent purpose account.

Next, if the inquiry item is not an online parent purpose account inquiry, go to step S1003 to check whether the inquiry item is an inquiry of an online child account, and if the inquiry result is an inquiry of an online child account, step Go to S1004 will display the transaction history and usage history for your child's account.

Next, if the inquiry item is not the inquiry of the online child account, go to step S1005 to check whether the inquiry item is the history of use of funds by family members, and the check item is the use of funds by family members. In the case of inquiry, the process moves to step S1007 to display individually the funds spent by each family member or to display the ratio of the family.

The present invention can be utilized as a cyber branch when a parent joins the service provided by the present invention and checks a family relationship by utilizing the functions as described above, and makes payment using a terminal chip easier, and withdraws and pays. It is equipped with a debit function chip on a mobile phone terminal with a built-in RF card to enable smooth and free payment and withdrawal.

In addition, the present invention can be consulted for the purpose of the account, after a certain period of time for the objective account can be jointly purchased and guided to achieve the latest information and objectives on the premise of the customer's consent. "If ... after a period of time, guide and consulting to ensure that the car sales affiliates receive customer consent, provide information periodically and achieve their purpose)

The service according to the present invention (also called "escrow") may provide authentication, payment and escrow at the time of online payment for parents and children, especially children.

In addition, the present invention provides a mileage cashback function to provide a function to cache back the mileage acquired by the service (for example, 'PAMAS' (service name)) customers through cooperation with the bank.

In addition, the present invention provides a payment settlement function, the automatic transfer and reservation function according to the customer's request to the online / offline companies through affiliates and affiliates, and to open a financial product through the parent. A parent using a cyber branch can open a product specific to his or her child.

In another aspect, the present invention as a money sharing function, the customer can provide a money sharing function through helping the boy and girl, help the elderly living alone.

According to the present invention described above, since the financial transaction can be realized through a pure online service without a bank account, there is an effect that can improve the complexity of the financial conditions using the existing bank account.

It also has the advantage of providing the opportunity to plan a family unit rather than an individual.

In addition, all managed accounts have an effect of enabling the development of the only online service in the future as an online account.

In addition, by linking student groups who are not objectionable to the use of computers and the Internet as their main customers, it has the effect of continuously securing an advantage in the financial market.

In addition, as a service that can be linked to school education, it is possible to perform the leading role of financial education.

Claims (11)

Dedicated emulator, mobile, online partner, insurer, credit rating agency, banking system that controls overall banking control, Biz system, debit card, which is connected to the banking system to control operation during personal banking and corporate banking A card system connected to an affiliated store to perform all control on the use of a debit card, a first relay system for interfacing data between the card system and the Biz system, an electronic banking system for internet banking, and the Biz system and the electronic banking system. In the financial management system consisting of a second relay system for interfacing data, Establish a representative account of the family in connection with the banking system, establish a purpose-specific account / online child account / online child object account linked to the representative account, transfer, withdrawal, inquiry control process linked to the representative account The family's financial management system using a representative account, characterized in that it comprises a linkage system for interworking and managing each account online. According to claim 1, The linkage system, A data interface unit for interfacing data with the banking system and interfacing data between respective systems; An online parent representative account manager connected to the data interface unit for establishing and managing an online parent representative account; At least one online parent purpose account manager for establishing and managing an online parent purpose account under the control of the online parent representative account manager; At least one online child account manager for establishing and managing an online child account under the control of the online parent representative account manager; At least one online child purpose account management unit for establishing and managing an online child purpose account under the control of the online child account manager; Is connected to the data interface unit, the family financial management system using a representative account, characterized in that configured as a history output unit for outputting the details to the electronic receipt when the history output request. In the family financial management method, Requesting a family representative (parent) to join internet banking through a banking system, requesting information input for internet banking subscription, and registering the information as an internet banking member if the corresponding information is inputted; Registering the child when the child requests registration after joining the Internet banking member; Creating an online parent representative account that is a representative account of the family representative; Creating an online parent purpose account for each purpose linked to the online parent representative account; Creating an account of the registered child associated with the online parent representative account; Creating a child purpose account for each purpose linked to the online child account; When the specific service is requested after creating the account, the family financial management method using a representative account comprising the step of executing the appropriate service. The method of claim 3, wherein executing the service comprises: Checking a service item; Performing a transfer service by executing a transfer processing subroutine when the check result service item is a transfer service; Performing a cash withdrawal service by executing a cash withdrawal subroutine when the check result service item is a cash withdrawal service; And if the check result service item is an inquiry service, executing an inquiry subroutine to perform an inquiry service. The method of claim 4, wherein the variant subroutine, Setting a parent representative account as a withdrawal account and setting another account as a deposit account; Checking the transfer request target and processing the transfer if the parent requests the transfer; Requesting approval from a parent if a child requests a transfer as a result of checking the transfer request object; If the result is received within the set time after the approval request, the received result is searched and the transfer is processed in case of approval, and if it is pending, the contents are stored in the approval request list and the transfer is terminated. Family financial management method using a representative account, characterized in that the step of storing and ending the transfer. The method of claim 4, wherein the cash withdrawal subroutine, Checking whether the requested cash is within a withdrawal limit set by the parent; Notifying withdrawal details if the requested cash is not within the set withdrawal limit; If the requested cash is within the set withdrawal limit, checking whether the parent requests cash withdrawal, and if the parent requests the withdrawal, performing withdrawal processing; Requesting approval from the parent if the child has made a withdrawal request; Receiving and analyzing the result after the request for approval, and if the analysis result is approved, withdrawal processing, and if rejected, storing the contents in the rejection list and ending the withdrawal processing operation. How to manage your family's finances. The method of claim 4, wherein the query subroutine, Checking an inquiry item and displaying the details of an online parent purpose account if the inquiry result is an inquiry of an online parent purpose account; If the inquiry item is an inquiry of an online child account, displaying a transaction history and a usage history of the child's account; If the inquiry item is the history of the use of funds for each family member, the financial management method of the family using the representative account, characterized in that the step of displaying the funds spent by each family member individually or a ratio relative to the family. The method of claim 4, wherein the financial management method of the family using the representative account, When parents subscribe to the multi-financial financial management service and check the family relationship, they manage the purpose account as a cyber branch, and after a certain period of time for the purpose account, joint purchase for achieving the latest information and the purpose under the consent of the customer And guide the family financial management method using a representative account, characterized in that to proceed. The method of claim 4, wherein the financial management method of the family using the representative account, Parents and children, especially children, the financial management method of the family using a representative account, characterized in that it is made to provide authentication, payment, escrow at the time of online payment. The method of claim 4, wherein the financial management method of the family using the representative account, A family financial management method using a representative account, which provides a mileage cashback function to provide a function to cache back the mileage acquired by a service customer through an alliance with a bank. The method of claim 4, wherein the financial management method of the family using the representative account, Provides direct debit and reservation functions to customers online / offline through affiliates and affiliates, and opens financial products through parents, and allows parents using cyber branches to open specific products to their children. Financial management method of family using representative account.