KR20060089413A - Bank account management method for preventing the dormant account - Google Patents

Abstract

The present invention relates to a method of preventing dormant accounts, and more specifically, to designate a main account used mainly when opening a new account, and to automatically maintain the balance of the dormant account immediately before or immediately after the dormant account is generated. By transferring to an account and automatically closing the dormant account, you can minimize the inactivity of the dormant account, and financial institutions can reduce the cost of managing the ledger, and in the case of customers, a main account is assigned to each financial institution or a single The present invention relates to a method for preventing the occurrence of a dormant account, which can be integrated into an account, and the side effect of facilitating management of a dormant account in the future can also be expected.

In addition, the above invention can be applied to an existing account, and if an additional account is designated to an existing account, the balance of the dormant account is automatically transferred to the main account immediately before or at the occurrence of the dormant account. In addition, the dormant account can be automatically terminated to prevent the occurrence of a dormant account, and the main account can be used not only by the financial institution but also by designating another financial institution account.

Dormant accounts, principal accounts, financial institutions

Description

Bank Account Management Method for Preventing the Dormant Account             

1 is a configuration diagram of a system for searching a conventional dormant account.

Figure 2a is a flow chart illustrating a method for managing a savings account ledger when opening a new account for preventing dormant accounts according to the present invention.

Figure 2b is a flow chart illustrating a method of managing a deposit account ledger for an existing account for preventing dormant accounts according to the present invention.

Figure 3a illustrates a data field of an account opened in accordance with an embodiment of the method for managing a deposit account ledger for preventing dormant accounts according to an embodiment of the present invention.

Figure 3b illustrates an example screen that is approved for setting the main account as an embodiment according to the present invention.

* Explanation of symbols for the main parts of the drawings

10: Internet network 20: dormant account inquiry server

30: user terminal 40: financial institutions

100: user ID 110: account holder name

120: Social Security Number 130: Type of Deposit

140: account number 150: deposit amount

160: Main Account Bank 170: Main Account Number

180: Remarks

The present invention relates to a method for preventing a dormant account. More particularly, the present invention relates to a method for managing a deposit account ledger for minimizing a dormant account and preventing occurrence of a dormant account that can reduce the cost of managing an account. It is about.

A dormant deposit is an account that is set up in banks, securities, insurance, etc., which means that the transaction has been stopped for a certain period of time and the claim has expired. Generally, a dormant account can be divided into a non-trading customer dormant account that has not been dealt with the financial institution for a certain period of time and a dormant customer dormant account that has a dormant account but continues to do business with the financial institution. .

The dormant deposits currently hold about KRW395.4 billion in banknotes, KRW4.9 billion in securities, and KRW124.6 billion in insurance. According to the current amount of dormant deposits, the amount of dormant deposits generated by banknotes is about 100 billion won per year, and the average amount per account is KRW 750, banks, securities 5, 12, and insurance 36,662.

Currently, the financial institutions are handling dormant deposits as miscellaneous income, and in order to minimize the processing of miscellaneous profits by such financial institutions, in the case of dormant deposits above a certain amount, a system for notifying customers in advance before proceeding with profits, etc. Is being discussed. However, in order to do this, the customer should be notified by registered mail, regular mail, etc., and the cost of the service is handled by the customer, and the utilization rate is low, but the above method is only a post-complementary device. The occurrence of dormant deposits, which cannot be processed according to the criteria of the amount, becomes unavoidable and ineffective.

Also, in order for customers to find the money left in their dormant accounts, the depositor was required to bring their ID and go to the bank's branch and ask for a withdrawal. You can get it back, but the procedure is complicated and you have to find it within a certain period.

Regarding the method of inquiring the above-mentioned dormant account, refer to Korean Patent Application Publication No. 2001-0084469 in 'How to Operate and Configure a Web Site Including a Dormant Account Inquiry Service' or 'One-Stop Inquiry Account of Special 2001-0090422. Systems and methods are already disclosed.

The inventions described above include a dormant account providing server 20 for providing a dormant account inquired to the user as shown in FIG. 1, a user terminal 30 for accessing the server and inquiring a dormant account, and a general financial institution server ( 40). The dormant account inquiry method by such a system includes a step in which a customer accesses a dormant account information providing server, and a user inputs a search condition of a dormant account to be provided from a dormant account information providing server, and then enters a dormant account corresponding to the search condition. Requesting information provision, and searching for a dormant account corresponding to a search condition requested by the customer using the dormant account information server stored in the dormant account information providing server according to the search request of the customer; The providing server is configured to provide the dormant account information retrieved to the customer collectively.

However, the above-described conventional inventions, after the user has registered as a member on a certain website, checks separately whether there is an account opened in his own name, and if there is a dormant account, the customer transfers the way he / she wants, In order to purchase a desired item, a user needs another conscious act in order to use the dormant account, which is inconvenient to use.

In addition, there is a disadvantage that the user has a low utilization rate because the purpose of having a certain server on the website to collect the user fees and the like for profit.

The present invention has been proposed to solve the above problems, by designating a main account used mainly when opening a new account, and immediately after the dormant account is generated, or immediately after the occurrence, the balance of the dormant account is automatically transferred to the main account. By minimizing dormant account generation by transferring and automatically closing the dormant account, financial institutions can reduce the cost of managing ledgers, and customers can be assigned a main account or a single account for each financial institution. Its purpose is to provide a method for preventing the occurrence of a dormant account that can be integrated to facilitate the management of dormant accounts in the future.

In addition, the above invention can be applied to an existing account, and if a main account is designated, the inactive account balance is automatically transferred to the main account immediately before or at the occurrence of a dormant account and the dormant account is automatically terminated. Therefore, the occurrence of dormant accounts can be prevented, and the main account has the advantage of being able to designate not only the financial institution but also other financial institution accounts, thereby increasing its utilization.

In order to achieve the above object, the present invention proposes a method for preventing the occurrence of a dormant account.

The present invention is an invention for achieving the above object as a first step of receiving new account opening information or change information of the existing account to enable the financial transaction with the already opened account, and the new account opening information or the existing account received In the second step of opening a new account or changing an existing account using the change information, and during the financial transaction, if the new account or the existing account is determined to be a dormant account according to a criterion such as an account balance or a suspension period, And a third step of transferring the balance of the dormant account to the main account, and a fourth step of automatically canceling the dormant account after transferring the account balance to the main account.

Preferably, the main account may include not only the financial institution but also an account of another financial institution, and may notify the customer by using a telephone, a short mail service (SMS), or an e-mail. have. In addition, when receiving the information, the consent phrase related to the processing of the dormant account is provided to the customer so that the customer can receive consent.

Hereinafter, with reference to the accompanying drawings, the most preferred embodiment of the present invention will be described in detail as follows.

Figure 2a is a flow chart illustrating a method of managing a deposit account ledger when opening a new account for preventing dormant accounts according to the present invention, Figure 2b is a flow chart illustrating a method of managing a deposit account ledger for a machine for preventing dormant accounts. .

Referring to FIG. 2A, first, a customer may bring information such as a deposit holder's name, a deposit type, and an account number required to open a new account by visiting a financial institution such as a bank with an ID card or a seal (S102).

In order to manage a deposit account ledger for preventing dormant accounts according to the present invention, the fields of the main account bank name and the main account number are additionally provided so that a financial institution can perform a financial transaction with a previously opened main account according to the information presented by the customer. Receive the new account opening information, input the main account name and the main account number in the added field. In the present invention, the main account may be used by using the account of another financial institution as well as the financial institution. The financial institution opens a new account by inputting the information into the computer based on the information received through the above process (S104).

After opening a new account, the customer may be provided with general financial services provided by the financial institution (S106). If a customer does not have a transaction with a financial institution for a certain period of time during a financial transaction, and the above account is determined to be a dormant account (S108), immediately before it is judged to be a dormant account or is generated as a dormant account, the financial institution server remains in the dormant account. The amount is automatically transferred to the account set as the main account (S110).

After the balance of the dormant account is transferred to the main account, the dormant account is automatically canceled (S112), automatically by using SMS (Short Message Service) or e-mail, or by telephone. The above facts can be reported verbally (S114).

Referring to FIG. 2B, in the case of a machine account that has already been opened and has a transaction with the bank (S202), if the customer designates a main account (S204), the customer will be able to make a transaction with the financial institution for a certain period during the future financial transaction (S206). No, just before the account is judged to be a dormant account or when it is generated as a dormant account (S208), the financial institution server can automatically transfer the amount of money remaining in the dormant account to the account set as the main account (S210). ).

Similarly, after the balance of the dormant account is transferred to the main account, the dormant account is automatically canceled (S212), automatically by using SMS (Short Message Service) or e-mail, or by telephone. To orally notify the above fact (S214).

In the above process, the criteria determined as a dormant account may be made according to the deposit type, such as ordinary deposit, periodic deposit, and periodic deposit, or according to the criteria designated by the customer. Alternatively, the criterion determined as the dormant account may be made according to an account balance criterion or a transaction suspension period or may be made according to an account ledger management convenience of a financial institution.

As described above, the present invention has the advantage that it is convenient not only when opening a new account, but also by designating only a main account even in the case of an already opened machine account. In addition, the main account can be specified in the account of other financial institutions as well as the financial institution can be widely used without limitation in various banks.

3A illustrates a data field of an account opened according to the execution of a method of managing a deposit account ledger for preventing dormant accounts according to an embodiment of the present invention, and FIG. 3B illustrates an example screen for approving the setting of a main account. will be.

Based on the data presented by the customer, the bank employee generally uses the user ID (100) '639010', the account holder's name (110) 'Hong Gil-dong', the social security number (120) '110000-0000000', and the deposit type (130). ) Enter information such as' normal ', account number 140,' 603-71-1234-000000 ', deposit amount 150, '24, 000', remarks 170, etc. into a financial institution terminal to create information on a new account. .

In addition, according to the present invention, the account can be opened by additionally inputting the main account bank name 160 'citizen bank' and the main account number 170 '213-13-345678' to the financial terminal.

Upon receiving the information on the new account and the information on the main account, the customer's approval can be easily obtained by previously printing the consent statement relating to the processing of the dormant account on the form in the account opening application or the change application. Alternatively, when internet banking as shown in FIG. 3B, the customer may receive approval from the customer by providing a consent phrase related to the processing of the dormant account to the customer.

In the future, just before the account is judged to be a dormant account or when it is generated as a dormant account, the financial institution server automatically transfers the amount remaining in the dormant account to the main account of the main account bank. After the balance is transferred to the main account, the dormant account can be automatically canceled and the above fact can be notified automatically by SMS or e-mail or by telephone.

In addition, the present invention can be applied to an existing account, when a customer designates a main account for an existing account, the information is updated through the process of FIG. 3A and stored in the bank server through the terminal of the bank. In the future, immediately before the account is judged to be a dormant account or when it is generated as a dormant account, the financial institution server automatically transfers the remaining amount of the dormant account to the account set as the main account and then the dormant account. Can be terminated.

In addition, according to the present invention, when a customer visits a bank in person and opens an account or changes an account, as well as when opening an account or changing an account using Internet banking or the like. You can easily prevent the occurrence of dormant accounts in advance in the opening / change application form or consent screen. .

As mentioned above, although this invention was demonstrated in detail using the preferable Example, the scope of the present invention is not limited to a specific Example and should be interpreted by the attached Claim. In addition, those skilled in the art should understand that many modifications and variations are possible without departing from the scope of the present invention.

As described above, the present invention designates a main account used mainly when opening a new account, and automatically transfers the balance of the dormant account to the main account immediately before or after the dormant account is generated. Later, the termination of the dormant account can minimize the inactivity of the dormant account, and financial institutions can reduce the cost of managing the ledger, and in the case of customers, the main account is assigned to each financial institution or consolidated into one single account. As a result, the side effect of facilitating the management of dormant accounts can be expected in the future.

The above method can be applied to an existing account, and if a main account is designated, a dormant account balance can be automatically transferred to the main account immediately before or at the occurrence of a dormant account to prevent the occurrence of a dormant account. In addition, the main account can be used to increase the utilization of the financial institution as well as other financial institution account can be specified.

In addition, the above-described method is not only when a customer directly visits a bank to open an account or change an account, but also when opening an account or changing an account using Internet banking or the like. 'I agree that the balance of the deposit account is automatically transferred to the main account registered by the user and the account is automatically terminated'. Has

Claims (5)

A first step of inputting new account opening information or change information of an existing account to enable financial transactions with an already opened main account; A second step of opening a new account or changing an existing account by using the received new account opening information or existing account change information; A third step of transferring the balance of the dormant account to the main account if the new account or the existing account is determined to be a dormant account according to a criterion such as an account balance or a suspension period during a financial transaction; Deposit account ledger management method for preventing a dormant account, characterized in that consisting of. The method according to claim 1, And depositing an account balance to the main account, and further comprising a fourth step of automatically canceling the dormant account. The method according to claim 1 or 2, in the first step The main account includes a bank account as well as accounts of other financial institutions, characterized in that the dormant account management method for preventing dormant accounts. The method according to claim 1 or 2, in the first step The method for managing a deposit account ledger for preventing a dormant account, characterized in that when the information is input, a consent phrase related to the processing of the dormant account is provided to the customer to receive consent from the customer. The method according to claim 1 or 2, After the automatic termination of the dormant account, further comprising the step of notifying the customer of the fact by using a telephone, SMS (Short Mail Service) or e-mail (E-mail), etc. How to manage a ledger for savings accounts.

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