KR20060098223A - System and method for operating integrated account and recording medium - Google Patents

Abstract

By the integrated account management system, at least one or more different monetary financial accounts (or financial products) managed through the integrated account can perform mutual financial transactions based on the financial transaction conditions of the customer.

In addition, the system, the customer to the predetermined deposit and / or withdrawal condition information to perform a financial transaction (e.g. deposit / withdrawal, etc.) between at least one or more different financial accounts (or financial instruments) in the unified account Store in association with the information.

And, the system, in performing a financial transaction (eg, deposit / withdrawal, etc.) between at least one or more different financial accounts (or financial instruments) in the unified account, the deposit and / or according to the exchange rate change of the currency Apply withdrawal condition information.

As a result, the currency can be actively operated in response to fluctuations in the exchange rate for each currency according to a condition set by the customer. In addition, while minimizing damages caused by fluctuations in foreign exchange rates, it is possible to operate foreign currencies profitably with only existing reserves without additional deposit or investment.

Account, money

Description

System and Method for Operating Integrated Account and Recording Medium}

1 is a view showing a schematic configuration of a preferred integrated account operating system according to the present invention.

Figure 2 shows a schematic configuration of a preferred storage medium according to the invention.

3 is a view showing a plurality of sub-account information in the consolidated account according to the present invention.

FIG. 4 is a diagram illustrating payment / withdrawal / exchange condition information of a customer stored in a storage medium according to the present invention.

5 is a diagram illustrating financial transaction history information of a customer stored in a storage medium according to the present invention.

6 is a simple flowchart of an integrated account operating process according to a preferred embodiment of the present invention.

7 is a simple flowchart of an integrated account operating process according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: information receiving means

110: account registration means 115: information storage means

120: information transmission means 125: financial transaction means

130: storage medium 135: financial server

140: customer terminal

The present invention relates to a consolidated account including at least one or more different currency accounts (or financial instruments), comprising a plurality of accounts included in the consolidated account according to financial transaction condition information set corresponding to fluctuations in the exchange rate of the currency. Or it relates to a method and system for operating an integrated account to enable financial transactions between financial instruments).

Recently, foreign currency-related financial products have been released for studying abroad, travel, or financial technology. Foreign exchange-related financial instruments, in particular, allow profitable foreign currency rolls while minimizing damages related to interest rates and exchange rate fluctuations.

However, these foreign currency-related financial instruments usually have deposit periods or pay premiums in foreign currency and also receive deposits or insurance payments in foreign currency. There was a disadvantage that this could be low.

In addition, interest rate benefits are provided according to a predetermined fixed rate, so that customers have no choice but to make passive financial transactions, and it is difficult to hold and manage financial products for a number of different currencies, or to cope with fluctuations in exchange rates. It was work.

An object of the present invention is derived to solve the above problems, for a consolidated account including at least one or more different currency accounts (or financial instruments), financial transactions that are set up in response to changes in the exchange rate of the currency The present invention provides an integrated account operating method and system for performing a financial transaction between a plurality of accounts (or financial products) included in the integrated account according to the condition information.

Another object of the present invention is to provide a computer-readable recording medium characterized by recording a program for executing the integrated account operating method.

An integrated account operating method according to the present invention for achieving the above object, at least one or more first financial financial instrument accounts, at least one second financial instrument accounts, in a predetermined account registration means; . Creating and / or registering an integrated account for unifying and managing at least one (N = 2,3,4..N) currency financial instrument account; And storing the deposit and / or withdrawal condition information of the plurality of accounts included in the integrated account in a predetermined storage medium, and corresponding to the deposit and / or withdrawal condition information of the plurality of accounts in a predetermined financial transaction means. By doing so, it comprises a step of performing a financial transaction between a plurality of accounts included in the integrated account.

Preferably, the integrated account operating method according to the present invention may be configured to further include receiving information for generating and / or registering the integrated account in connection with the customer terminal in a predetermined information receiving means.

The method may further include receiving the deposit and / or withdrawal condition information in connection with the customer terminal in a predetermined information receiving means.

The present invention may further comprise obtaining the financial transaction execution approval information from the customer in a predetermined information receiving means before executing the financial transaction between the plurality of accounts included in the integrated account. .

According to the present invention, the step of linking the combined account information and the deposit and / or withdrawal condition information of a plurality of accounts included in the integrated account in the information storage means to store in a predetermined storage medium, the integrated account customer information And the customer information including at least one or more of the biometric information of the customer may be further processed to store.

Further, according to the present invention, the step of performing a financial transaction between a plurality of accounts included in the consolidated account in response to the deposit and / or withdrawal condition information of the plurality of accounts in the financial transaction means, the deposit of the plurality of accounts And / or withdraw money from one of a plurality of accounts included in the consolidated account in response to the withdrawal condition information, and withdraw the money to another one of the plurality of accounts included in the consolidated account. It may include depositing.

Preferably, the step of performing a financial transaction between a plurality of accounts included in the consolidated account in response to the deposit and / or withdrawal condition information of the plurality of accounts in the financial transaction means, the deposit and / or withdrawal of the plurality of accounts In response to the condition information, withdraw the amount of money from any one of the plurality of accounts included in the consolidated account, and when depositing the withdrawal amount to another one of the plurality of accounts included in the integrated account After checking the currency type of the withdrawn account and the currency type of the deposited account, a financial transaction may be executed by applying the exchange rate between the currencies.

In addition, according to the present invention, the deposit and / or withdrawal condition information of a plurality of accounts included in the consolidated account, characterized in that comprises the deposit or withdrawal condition information between the plurality of accounts included in the consolidated account.

In addition, the deposit and / or withdrawal condition information of a plurality of accounts included in the integrated account is set in response to fluctuations in the exchange rate for each currency corresponding to the plurality of accounts.

In addition, according to the present invention, the first currency to the N-th currency, may comprise a currency for each country including at least one or more of the won, dollar, yen, euro, yuan.

Further, according to the present invention, the financial product may include at least one or more deposit products, free and demand deposit products, savings deposit products, investment financial products and foreign currency insurance products.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described integrated account operating method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the integrated account operating system according to the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing a schematic configuration of a preferred integrated account operating system according to the present invention.

According to the present invention, an integrated account management system, for an integrated account including at least one or more different currency accounts (or financial instruments), is a predetermined financial transaction (and / or) established in response to a change in the exchange rate of the currency In order to perform a financial transaction (and / or exchange) between a plurality of accounts (or financial instruments) included in the integrated account according to the condition information, it is preferable to have a means having at least one function.

At this time, at least one or more functional means provided in the integrated account management system may be provided in a single server 100 or in a plurality of servers, wherein the server 100 is a financial company server, and / Or a VAN company server, and / or a mobile communication company server, and / or a separate server located on the network.

Referring to FIG. 1, in order to implement the integrated account management system, a server 100 including at least one or more functional means described above is illustrated.

The server 100 may be connected to a customer through the network (eg, a financial common network or a value added network (VAN) or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication)). It is preferable to communicate with the terminal 140, and / or the financial server 135, and / or a predetermined storage medium 130.

The server 100 is provided in the customer terminal 140, for example, a personal computer (PC) capable of network communication, an automated teller machine (ATM), and an information processing device (KIOSK). Through various input means such as a keyboard, a keypad, a touch screen, and the like, a predetermined information required for operating an integrated account and / or a registration process may be performed by an information processing request and response input from a user.

In more detail, referring to FIG. 1, the illustrated server 100 includes a customer's at least one financial product account for at least one first currency, at least one financial product account for a second currency, and. . ., Account registration means 110 for generating and / or registering an integrated account for integrating and managing at least one (N = 2,3,4..N) currency financial instrument account; Corresponds to deposit and / or withdrawal condition information of a plurality of accounts included in the integrated account and stores the information storage means 115 and the deposit and / or withdrawal condition information of the plurality of accounts. Thus, it may be provided with a financial transaction means 125 for executing a financial transaction using a plurality of accounts included in the integrated account.

In addition, the server 100, in connection with the customer terminal 140, information receiving means for receiving the information for generating and / or registration of the integrated account, and / or for receiving the deposit and / or withdrawal condition information 105 may further include.

In addition, the information receiving means 105 may receive the approval information from the customer terminal 140 to execute the financial transaction before a predetermined financial transaction is performed from the customer through the financial transaction means.

In addition, the server 100 may further include information transmitting means 120 for notifying the customer of the execution details of the financial transaction after executing the financial transaction between the plurality of accounts included in the integrated account.

The account registration means 110 provided in the server 100 is characterized in that for generating and / or registering an integrated account for managing a plurality of financial product accounts held by the customer in an integrated manner, wherein the plurality of financial product accounts at least It is preferable to include more than one financial instrument account for heterogeneous currencies.

In addition, in the integrated account registered and / or generated through the account registration means 110, at least two or more different for mutual exchange between the accounts and / or withdrawal in response to the exchange rate change for each currency in accordance with the present invention It is preferable to include a financial instrument account for monetary currency, and may include a virtual account.

In addition, the heterogeneous currency may include currency for each country including at least one of won, dollar, yen, euro, yuan. In addition, the financial product may include at least one or more deposit products, free and demand deposit products, savings deposit products, investment financial products and foreign currency insurance products.

In the process of creating and / or registering the integrated account, the account registration means 110, if there is at least one financial product account for the specific currency previously held by the customer, the account registration means is held by the customer It is preferable to generate and / or register the integrated account by collecting the financial instrument accounts for the specific currency.

The information storing means 115 provided in the server 100 is configured to generate and / or register the integrated account of the customer through the account registration means 110, and then generate the generated and / or registered integrated account information of the customer. It is characterized by storing in a predetermined storage medium 130 in association with the information.

In addition, the information storage means 115, the predetermined condition information for the deposit and / or withdrawal and / or exchange of a plurality of accounts included in the consolidated account in accordance with the exchange rate change for each currency received from the customer terminal 140 If so, the received condition information may be stored in the storage medium 130 in association with the integrated account information and / or customer information.

In addition, the information storage means 115, the integrated account information and / or customer information of the customer and the biometric information (for example, fingerprint, iris, face, back of the hand, vein, etc.) of the customer may be further linked to store. .

The financial transaction means 125 included in the server 100 may change the exchange rate for each currency corresponding to a plurality of accounts of the customer stored in the storage medium 130 through the information storage means 115. In response to the deposit and / or withdrawal condition information for the account, it is characterized in that the financial transactions between the plurality of accounts included in the integrated account (eg, financial transactions including withdrawal, currency exchange, deposit, etc.) are executed.

Preferably, the financial transaction means 125 corresponds to deposit and / or withdrawal condition information of the plurality of accounts when fluctuations in currency rates corresponding to the plurality of accounts of the customer stored in the storage medium 115 change. The amount of money can be withdrawn from any one of the plurality of accounts included in the consolidated account, and the deposit amount can be deposited into another account of the plurality of accounts included in the consolidated account.

In addition, the financial transaction means 125 withdraws an amount of money from any one of a plurality of accounts included in the consolidated account in response to the deposit and / or withdrawal condition information of the plurality of accounts, In the process of depositing the withdrawal amount into another one of the plurality of accounts included, after confirming the currency type of the withdrawn account and the currency type of the deposited account, the currency exchange processing is applied to the exchange rate between the currencies It is preferable to carry out the deposit.

For example, when a customer has a consolidated account that includes a WON deposit account and a USD fixed deposit account with a USD 30,000 deposit, In the case of setting the "won currency exchange deposit of the dollar deposit when the won value rises", the financial transaction means 125 periodically monitors the exchange rate fluctuations so that the rise of the won value is detected (for example, the won value). If the rate of increase is above a certain value, etc.), a part or all of the customer's foreign currency (USD) deposit account may be withdrawn and exchanged into the won to be deposited in the won deposit account in the consolidated account.

Here, the above-mentioned deposit and / or withdrawal conditions are one embodiment presented to help the understanding of the present invention, and the deposit and / or withdrawal conditions are specific currency by specific currency and specific currency in the integrated account in the course of the present invention. It may be more specifically set according to exchange rate fluctuation rate by each rate, setting a limit on deposit and / or withdrawal amount, and setting a partial deposit in the integrated account of the withdrawal amount in order to reduce risk.

The information transmitting means 120 of the server 100 performs customer financial information (eg, telephone) stored in the storage medium after a predetermined financial transaction between a plurality of accounts included in an integrated account is executed through the financial transaction means 125. Number, mobile phone number, e-mail, blog, homepage, etc.), characterized in that the financial transaction execution history of the financial transaction means.

In addition, the information transmission means 120, by transmitting the approval information to the customer terminal 140 in the execution of the financial transaction, before the predetermined financial transaction is performed through the financial transaction means 125, the financial transaction event Can be notified.

The storage medium 130 shown in FIG. 1 is provided in the server 100 and / or located on a financial company server, and / or a VAN company server, and / or a mobile carrier server, and / or a network. It can be located on a separate server.

The storage medium 130 stores information required for operating an integrated account including a plurality of financial accounts on the integrated account operating system according to the present invention. The information stored in the storage medium 130 Hereinafter, the present invention will be described in detail with reference to FIGS. 2 to 5.

On the other hand, the server 100 provided in the integrated account management system shown is characterized in that it comprises a recording medium recording a computer-readable program for executing at least one or more functional means described above.

2 illustrates a schematic configuration of a preferred storage medium 130 according to the present invention.

Referring to FIG. 2, the information stored in the storage medium 130 included in the integrated account operating system illustrated in FIG. 1 is shown in blocks, and the storage medium may include customer information, and / or integrated account information. And / or sub account information in the integrated account, and / or deposit / withdrawal / exchange condition information, and / or customer biometric information, and / or financial transaction history information.

3 is a view showing a plurality of sub-account information in the consolidated account according to the present invention.

The consolidated account information stored in the storage medium 130 includes at least one or more different financial account (or financial product) information for money managed through the integrated account according to the present invention. Through the integrated account management system, it is possible to perform a financial transaction between the financial accounts (or financial products) in the integrated account based on predetermined financial transaction conditions (for example, deposit / withdrawal / exchange conditions) set by the customer. .

Preferably, the consolidated account includes at least one financial instrument account for at least one first currency, at least one financial instrument account for at least one second currency; . At least one (N = 2,3,4..N) currency financial product account may be included. Referring to FIG. 3, the first currency financial product account is a WON financial product account. The financial instrument account for the second currency may be a USD financial instrument account, the financial instrument account for the third currency may be a JPY financial instrument account, ..., the N currency The financial instrument account may be a EUR financial instrument account.

In addition, each financial product account in the integrated account has a predetermined currency amount deposited, and the integrated account according to external factors (eg, exchange rate fluctuation information, etc.) requiring financial transactions (deposit / withdrawal / exchange) between the accounts. The operation system may perform a financial transaction (deposit / withdrawal / exchange) between the financial product accounts in the integrated account according to the deposit / withdrawal / exchange condition information associated with the integrated account information.

In addition, although not shown in FIG. 3, an integrated account may have unique identification information (eg, an integrated account number, etc.), and a plurality of financial product accounts in the integrated account may also be uniquely associated with the integrated account unique identification information. Information (for example, the financial account number for the first currency, the financial account number for the second currency, ..., the financial account number for the Nth currency, etc.) may be respectively provided.

4 is a view showing the payment / withdrawal / exchange condition information of the customer stored in the storage medium 130 according to the present invention.

According to the present invention, the deposit / withdrawal / exchange condition information may include at least one financial product account for one or more first currencies, and at least one financial product account for a second currency, which are integrated and managed through the aforementioned integrated account; . , Information set for inter-account financial transactions (eg, deposit / withdrawal / exchange) of at least one (N = 2,3,4,., N) currency financial instrument accounts, wherein the plurality of It is preferable to set in response to fluctuations in currency exchange rates for each currency corresponding to two accounts.

Referring to FIG. 4, the deposit / withdrawal / exchange condition information may be set for each of a plurality of financial product accounts managed through the integrated account. For example, when the exchange rate rises, the deposit deposited in the financial product account of the currency may be withdrawn, exchanged into the won, and then the deposit amount may be deposited into the won deposit account.

5 is a diagram illustrating financial transaction history information of a customer stored in the storage medium 130 according to the present invention.

5 is at least one financial instrument account for the first currency, at least one financial instrument account for the second currency, and through the integrated account management system shown in FIG. . Financial transactions between the accounts (e.g. deposit / withdrawal / exchange) within a unified account that consolidates and manages at least one or more N (N = 2,3,4, .. N) currency financial instrument accounts. After is performed, the financial product account details in the integrated account according to the financial transaction is simply shown.

Here, the financial transaction between the financial instrument accounts in the integrated account, with reference to the deposit / withdrawal / exchange condition information of the customer shown in FIG. It is preferable to carry out.

Referring to FIG. 5, when the integrated account management system receives predetermined exchange rate fluctuation information (eg, exchange rate fluctuation information corresponding to USD) through a network, the integrated account management system is used for the second currency in the integrated account. (USD) check the deposit / withdrawal / exchange condition information corresponding to the financial account (e.g., when the exchange rate rises, withdraw money to the won, deposit into the won deposit account, etc.), and according to the confirmed condition information Withdraw the deposit (e.g. $ 5,000) deposited in my second currency (USD) financial account, convert the amount withdrawn into Korean Won, and convert the exchanged amount (e.g., 5 million won) into the first currency in the consolidated account. (WON) You can make a deposit in a financial account.

6 is a simplified flowchart of the integrated account operation process according to a preferred embodiment of the present invention.

6 is at least one financial instrument account for the first currency, at least one financial instrument account for the second currency in the server 100 shown in Figure 1, in the integrated account operation process according to the present invention; . ... Create and / or register an integrated account that consolidates and manages at least one (N = 2,3,4, .., N) monetary financial instrument accounts, and financial transactions between financial instrument accounts in the integrated account Predetermined deposit / withdrawal / exchange condition information set for (e.g. withdrawal, exchange, deposit, etc.) to the storage medium 130 shown in FIGS. 1 to 2 in association with the integrated account information and / or customer information An embodiment of the process of storing.

Referring to Figure 6, the illustrated embodiment, the customer is connected to the server 100 on the wired or wireless network using a predetermined terminal 140, at least one financial product account for the second currency according to the present invention; . , 600 may be initiated by a process of requesting the registration or creation of an integrated account that integrates and manages at least one (N = 2,3,4,., N) currency financial instrument accounts.

Referring to FIG. 1, when an integrated account registration or generation request is received from the customer through the information receiving means 105 provided in the server 100, the account registration means 110 of the server 100 is configured as described above. It is determined whether a customer holds the plurality of sub accounts (or financial products) to be included in the integrated account (605).

Here, the customer who requests the registration or creation of the integrated account does not have a plurality of sub accounts (or financial instruments) capable of integrated management through the integrated account (610), and / or the sub accounts (or financial instruments held) If it is not possible to register or generate the integrated account only by using only), the account registration means 110 inquires of the customer to open a plurality of sub accounts (or financial products) to be integrated and managed through the integrated account (615). .

Here, if the customer wants to open a plurality of sub accounts (or financial products) to be integrated management through the integrated account (620), the account registration means 110, from the customer terminal 140 to the sub account ( Or financial product) establishment information, and the establishment of at least one sub-account (or financial product) to be integrated and managed through the integrated account (625).

Preferably, when the server 100 is interlocked with the financial server 135 or provided on the financial system including the financial server 135, the opening of the at least one sub account (or financial product) is performed. May be performed through the server 100, but when the server 100 and the financial server 135 exist as separate servers, the opening of the at least one sub account (or financial product) may be performed. It may be performed through the financial server 135.

In addition, the opening of the at least one sub account (or financial instrument) may include depositing and / or depositing the opened at least one sub account (or financial instrument) (630).

On the other hand, if the customer who requested the registration or creation of the integrated account has a plurality of sub accounts (or financial products) that can be integrated management through the integrated account (635), the information receiving means of the server ( 105 is a database or storage medium that receives (640) and / or cooperates with the server (100) at least one sub account (or financial product) information to be included in the integrated account from the customer terminal 140 ( At least one sub account (or financial product) information held by the customer stored in 130 is extracted.

Then, the account registration means 110 generates or registers customer integrated account information for integrated management of the at least one sub account (or financial product) information (645), and stores the information provided in the server 100. The means 115 stores the combined account information generated by the account registration means 110 and the customer information in a predetermined storage medium 130 (650).

At this time, if the integrated account information is to be stored in association with the customer's biometric information (655), the information receiving means 105 of the server 100 from the biometric information input means provided in the customer terminal 140 When the biometric information of the customer is previously stored in the database or storage medium 130 that receives the customer biometric information 660 and / or interoperates with the server 100, the database and / or storage medium 130 In operation 665, the biometric information of the customer may be identified (or extracted) and the integrated account information may be stored in association with the biometric information of the customer.

On the other hand, when the integrated storage process of the integrated account information and the customer biometric information is not performed (670), the information receiving means 105 of the server 100, the generation or registration from the customer terminal 140 Receive and / or deposit and / or withdrawal and / or exchange condition information for at least one sub account (or financial instrument) that is integrated and managed through the integrated account (675), and the information storage means 115 of the server 100 The deposit and / or withdrawal and / or exchange condition information received through the information receiving means 105 is linked to the storage medium 130 in association with the integrated account information and / or customer information and / or biometric information. Save (680).

7 is a simple flowchart of an integrated account operating process according to a preferred embodiment of the present invention.

FIG. 7 illustrates a plurality of accounts in the consolidated account in response to fluctuations in currency exchange rates corresponding to a plurality of accounts integrated through the consolidated account after the above-described integrated account and condition information registration process of FIG. 6 is successfully performed. It is about a process in which a predetermined financial transaction (eg, withdrawal, currency exchange, deposit, etc.) is performed.

Referring to FIG. 7, a predetermined financial transaction process between a plurality of accounts in the integrated account shown in FIG. 1 may be performed by periodically monitoring a currency exchange rate change corresponding to the plurality of accounts in the server 100 shown in FIG. It may be initiated from the process of receiving the exchange rate change information for each currency corresponding to the plurality of accounts through the network, and / or 700 (700).

As described above, when the exchange rate change information for each currency corresponding to a plurality of accounts is confirmed, the financial transaction means 125 of the server 100 is a deposit and / or withdrawal and / or exchange conditions corresponding to the confirmed exchange rate change information The integrated account information having the information is retrieved from the storage medium 130 (705).

If integrated account information having deposit and / or withdrawal and / or exchange condition information corresponding to the exchange rate fluctuation information is found in the storage medium 130, the financial transaction means 125 of the server 100 is searched. ) Confirms or extracts integrated account information having deposit and / or withdrawal condition information corresponding to exchange rate fluctuation information from the storage medium 130 (715), and the financial transaction means 125, In operation 720, the deposit and / or withdrawal target sub-account (or financial product) information corresponding to the exchange rate change information included in the confirmed integrated account is identified or extracted.

When the deposit and / or withdrawal target sub-account (or financial instrument) information corresponding to the exchange rate fluctuation information is confirmed or extracted, the information transmitting means 120 of the server 100 is integrated into the customer terminal 140. The financial transaction approval message is transmitted between sub accounts (or financial products) in the account (725).

According to a preferred embodiment, the financial transaction approval message between the sub-account (or financial product) in the integrated account is preferably transmitted to the mobile phone of the customer including a callback for the approval response.

If there is no response to the financial transaction approval message between the sub-accounts (or financial instruments) in the unified account, or if the response to the approval of the financial transaction is received through the information receiving means 105 of the server 100 (730), The financial transaction means 125 of the server 100 does not perform or cancels a financial transaction between sub accounts (or financial products) in the unified account (735), and through the information storage means 115, The cancelation of the financial transaction between sub accounts (or financial products) in the unified account may be stored in the storage medium 130 and notified to the customer terminal 140 through the information transmitting means 120 (740).

On the other hand, if the approval response to the financial transaction approval message between the sub-account (or financial products) in the integrated account is received through the information receiving means 105 of the server 100 (745), the server 100 The financial transaction means 125 performs a withdrawal event from the extracted withdrawal sub account (or financial product) (750).

The financial transaction means 125 exchanges the currency withdrawn from the withdrawal sub-account (or financial product) by applying a corresponding exchange rate according to the withdrawal and / or deposit and / or exchange condition information; 755), confirm the deposit target sub-account (or financial instrument) information to deposit the exchanged currency (760), and refer to the confirmed deposit target sub account (or financial instrument) information to the exchanged amount of money. Perform a deposit event (765).

As described above, when the financial transaction in the integrated account corresponding to the withdrawal and / or deposit and / or exchange condition information is performed, the information storage means 115 of the server 100, the sub-account (or financial product) in the integrated account ) The financial transaction history between the storage medium 130, and the information transmitting means 120 transmits the financial transaction history between the sub accounts (or financial products) in the integrated account to the customer terminal 140 to notify. (770).

Through the integrated account management system, customers can automatically perform financial transactions between at least one or more different monetary financial accounts (or financial instruments) managed through the integrated account according to preset deposit / withdrawal / exchange condition information. According to the pre-set conditions, there is an advantage in that the currency can be actively managed in response to fluctuations in the exchange rate of each currency.

In addition, while minimizing damages caused by exchange rate fluctuations, there is an advantage that the foreign currency can be operated profitably with only existing reserves without additional deposit or investment.

In addition, service providers (eg, financial institutions, etc.) can present new deposits and / or currency exchange-related products to their customers, thereby preempting other service providers and gaining new and superior customers. have.

Claims (27)

At least one financial instrument account for at least one first currency, at least one financial instrument account for at least one second currency, in a predetermined account registration means; . Generating and / or registering an integrated account for unifying and managing at least one (N = 2,3,4..N) monetary instrument; Linking the integrated account information and deposit and / or withdrawal condition information of a plurality of accounts included in the integrated account in a predetermined information storage means and storing the integrated account information in a predetermined storage medium; Performing a financial transaction using a plurality of accounts included in the integrated account in response to the deposit and / or withdrawal condition information of the plurality of accounts in a predetermined financial transaction means; Way. The method of claim 1, And receiving information for generating and / or registering the integrated account in connection with a customer terminal in a predetermined information receiving means. The method of claim 1, And receiving the deposit and / or withdrawal condition information in connection with a customer terminal in a predetermined information receiving means. The method of claim 1, Before executing a financial transaction between a plurality of accounts included in the consolidated account, And acquiring the financial transaction execution approval information from the customer in a predetermined information receiving means. The method of claim 1, After executing a financial transaction between a plurality of accounts included in the consolidated account, And informing the customer of the execution details of the financial transaction in a predetermined information transmitting means. The method of claim 1, wherein the information storing means associates and stores the integrated account information and the deposit and / or withdrawal condition information of a plurality of accounts included in the integrated account in a predetermined storage medium. The integrated account operating method, characterized in that for further storing the integrated account customer information and the customer information including at least one or more of the biometric information of the customer. The method of claim 1, wherein the step of executing a financial transaction using a plurality of accounts included in the integrated account in response to the deposit and / or withdrawal condition information of the plurality of accounts in the financial transaction means, In response to the deposit and / or withdrawal condition information of the plurality of accounts, withdraw money from any one of a plurality of accounts included in the consolidated account, and another account of the plurality of accounts included in the consolidated account Integrated account management method comprising the step of depositing the withdrawal amount to the. The method according to claim 1 or 7, wherein the step of executing a financial transaction using a plurality of accounts included in the integrated account in response to the payment and / or withdrawal condition information of the plurality of accounts in the financial transaction means, In response to the deposit and / or withdrawal condition information of the plurality of accounts, withdraw money from any one of a plurality of accounts included in the consolidated account, and another account of the plurality of accounts included in the consolidated account When depositing the withdrawal amount to And confirming the currency type of the withdrawn account and the currency type of the deposited account, and then performing a financial transaction by applying the exchange rate between the currencies. The method of any one of claims 1 to 8, wherein the unified account, Integrated account operating method comprising a virtual account made. The method according to any one of claims 1 to 9, wherein the deposit and / or withdrawal condition information of a plurality of accounts included in the consolidated account, Integrated account management method comprising the information on the deposit or withdrawal conditions between a plurality of accounts included in the integrated account. The method according to any one of claims 1 to 9, wherein the deposit and / or withdrawal condition information of a plurality of accounts included in the consolidated account, Integrated account management method, characterized in that set in response to fluctuations in the exchange rate for each currency corresponding to the plurality of accounts. The method according to any one of claims 1 to 11, wherein the first currency to the Nth currency, An integrated account management method comprising a currency for each country including at least one of won, dollar, yen, euro, yuan. The financial product according to any one of claims 1 to 11, wherein A method of operating an integrated account, comprising at least one deposit and withdrawal product, a demand deposit product, a savings account product, an investment financial product and a foreign currency insurance product. A recording medium comprising a program for executing the method of any one of claims 1 to 8. At least one financial instrument account of at least one first currency of the customer, at least one financial instrument account of at least one second currency; . Account registration means for creating and / or registering an integrated account for integrating and managing at least one (N = 2,3,4..N) monetary instrument; Information storage means for linking the integrated account information and the deposit and / or withdrawal condition information of a plurality of accounts included in the integrated account and storing the integrated account information in a predetermined storage medium; And And a financial transaction means for executing a financial transaction using a plurality of accounts included in the integrated account, in response to the deposit and / or withdrawal condition information of the plurality of accounts. The method of claim 15, In connection with a customer terminal, receive information for generating and / or registering the integrated account, and / or And an information receiving means for receiving the deposit and / or withdrawal condition information. The method of claim 15, Before executing a financial transaction between a plurality of accounts included in the consolidated account, And an information receiving means for obtaining the financial transaction execution approval information from the customer. The method of claim 15, After executing a financial transaction between a plurality of accounts included in the consolidated account, And an information transmission means for notifying the customer of the execution details of the financial transaction. The method of claim 15, wherein the information storage means, Integrated account operating system, characterized in that for further processing by storing the integrated account customer information and the customer information including at least one or more of the biometric information of the customer. The method of claim 15, wherein the financial transaction means, In response to the deposit and / or withdrawal condition information of the plurality of accounts, withdraw money from any one of a plurality of accounts included in the consolidated account, and another account of the plurality of accounts included in the consolidated account Integrated account management system, characterized in that for depositing the withdrawal amount. The method of claim 15 or 20, wherein the financial transaction means, In response to the deposit and / or withdrawal condition information of the plurality of accounts, withdraw money from any one of a plurality of accounts included in the consolidated account, and another account of the plurality of accounts included in the consolidated account When depositing the withdrawal amount to And confirming the currency type of the withdrawn account and the currency type of the deposited account, and then performing a financial transaction by applying the exchange rate between the currencies. 22. A method according to any one of claims 15 to 21, wherein each of said means is: Integrated account management system, characterized in that provided in a single server or a plurality of servers. 22. The method of any one of claims 15 to 21, wherein the consolidated account is Integrated account operating system comprising a virtual account made. 22. The method according to any one of claims 15 to 21, wherein the deposit and / or withdrawal condition information of a plurality of accounts included in the consolidated account is: Integrated account management system, characterized in that comprises a deposit or withdrawal condition information between a plurality of accounts included in the integrated account. 22. The method according to any one of claims 15 to 21, wherein the deposit and / or withdrawal condition information of a plurality of accounts included in the consolidated account is: Integrated account management system, characterized in that set in response to fluctuations in the exchange rate for each currency corresponding to the plurality of accounts. 26. The method according to any one of claims 15 to 25, wherein the first to Nth currency is Integrated account management system comprising a currency for each country including at least one of the won, dollar, yen, euro, yuan. The financial product according to any one of claims 15 to 25, wherein An integrated account management system, comprising at least one deposit and withdrawal deposit, a demand deposit, a savings deposit, an investment financial instrument and a foreign currency insurance product.

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