KR20080051582A - A system of finance club using internet banking and the method thereof - Google Patents

Abstract

A system and a method for providing a finance club service through Internet banking are provided to enable a user to transfer and inquire a deposit of an account of family members or other users within a predetermined right on the Internet by forming the finance club with the registered family members or other users. A finance member account/right manager(110) manages account and right information of finance club members, and determines a financial service request of the members depending on the right information. An Internet banking processor(120) processes the financial service by transferring the request to an Internet banking server and stores service details. An additional service provider(130) provides additional services related to a financial facility to the members. A controller(140) controls information of each component and a database(150) stores the information of each component. The additional service manager applies a preferential interest rate to the members when a sum of the balances of the accounts of the members is bigger than a level predetermined by the financial facility.

Description

A system of finance club using Internet banking and the method

1 is a diagram illustrating a financial family service system through general Internet banking.

Figure 2 is a block diagram showing the internal configuration of the financial family management unit included in the financial family service system through the Internet banking according to the present invention.

3 is a diagram illustrating a relationship between a financial family manager and a subscriber according to an embodiment of a financial family service system through internet banking according to the present invention;

Figure 4 is a flow chart showing the order of the financial family service method through the Internet banking according to the present invention.

Figure 5 is a flow chart showing the order of the transfer approval service according to an embodiment of the financial family service method through the Internet banking according to the present invention.

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

100: financial family management unit 110: financial family account and authority management unit

120: Internet banking management unit 130: value-added service management unit

140: control unit 150: database

200: Internet 300: Internet Banking Server

The present invention relates to a financial family service system through internet banking and a method thereof, and more particularly, to the financial family approved by the customer's application using the Internet banking, and the financial family can mutually use the account within the authority. The present invention relates to a financial family service system through banking and a method thereof.

In general, Internet banking is a more advanced electronic financial transaction system that anyone can access than PC banking connected by a dedicated line between a bank and a user.

Here, an electronic financial transaction refers to a transaction in which a customer directly uses an inquiry, a deposit / withdrawal, or a bank transfer provided by an electronic means.

 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 Internet banking is one of the very popular Internet services in recent years due to the convenience that it is possible to transfer the desired account without going directly to the bank.

The Internet banking service has a problem that a certificate is issued on a personal basis, and an Internet banking ID (ID) and password (password) are provided on a personal basis, so that the account is limited to the individual unit account so that it can be used at a time.

Therefore, if an individual wants to use his or her account, he or she must use his or her certificate and use his or her Internet banking ID and password.

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 bank account assigned to each account number one by one from time to time.

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

In addition, if there is a need to manage a business account jointly between individuals and individuals, not parents and children, it is difficult to comprehensively manage all accounts online.

The present invention is to solve the above problems, in particular, the formation of a financial family through the joining of the family or others, the banking through the Internet banking, the individual can transfer the deposit or query within a certain authority to the account of the family or others The purpose is to provide a family service system and a method thereof.

In order to achieve the above object, the financial family service method through the Internet banking according to the present invention, in the financial family service method through the Internet banking to form a financial family to manage the account of the member, from the financial family manager through the Internet banking Applying for and opening a financial family service; When the financial family service subscription subscription request, the financial family account and authority management unit determines the approval of the subscription of the subscriber to include as a member of the financial family and grants the service authority of the subscriber to the subscription; Storing the account and authority information of the prospective subscriber as a financial family in a database; If there is a financial service member's financial service request, the financial family account and the authority manager confirming the authority of the financial family member and transferring the requested financial service to an internet banking server through an internet banking manager; And storing the processing result in a database.

In order to achieve the above object, the financial family service system through internet banking according to the present invention manages the financial account and authority information of the financial family member, and approves the financial service member's financial service request according to the authority information. A financial family account and authority management unit for determining whether or not; An internet banking management unit for processing and storing the service history by transmitting the requested financial service to an internet banking server when a financial family member requests a financial service; An additional service manager for providing additional services related to financial institutions to members of the financial family; A control unit managing information of each management unit; And a database unit for storing the information of each management unit.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a financial family service system through general Internet banking.

As shown in FIG. 1, the financial family manager 100 manages and rewards deposits by managing credit information of subscribers and subscribers who want to join a financial family. In addition, the financial family management unit 100 is a component of the Internet site server connected to the Internet banking server 300 through the Internet (200).

The internet banking server 300 is an internet server included in a financial institution, and is a device having a database or the like necessary for internet banking.

Figure 2 is a block diagram showing the internal configuration of the financial family management unit included in the financial family service system through the Internet banking according to the present invention.

As shown in Figure 2, the financial family service system through the Internet banking of the present invention is a financial family account and authority management unit 110, Internet banking management unit 120, additional service management unit 130, the control unit 140 and the database ( 150).

The financial family account and authority management unit 110 manages account information and authority information of the financial family member. Here, the authority information is that if A and B have a financial family relationship, A has authority to check and transfer accounts on B's account, B does not have authority to A, or B has Have the authority to inquire and transfer accounts, etc., A may not have such authority to B, or A and B equally have authority to examine and transfer accounts to each other, or B is information that restricts the authority for members, such as the case in which they do not have any authority for each other's accounts. In addition, the financial family account and authority management unit 110 may manage at least the account list inquiry, balance inquiry, transaction history inquiry and transfer authority by differentiating the level according to the financial family members. That is, although the scope of the authority, such as the inquiry about each account of the financial family, may be all, it may be limited to only some limited or some selected accounts.

The Internet banking management unit 120 manages the financial family member according to the financial family account and the authority management unit 110 to use the account of the member included in the financial family through internet banking within the authority. That is, the Internet banking management unit 120 transfers the requested financial service to the Internet banking server 300 when the financial family member requests a financial service.

The internet banking management unit 120 manages personal information, authentication information, and security information of financial family members. Here, the authentication information is information for granting access to the account information of each individual, and the security information is information for protecting the network of the financial system and the like.

The value-added service management unit 130 provides at least the preferential interest rate, credit guarantee, transfer approval or linked account service to the financial family members. These additional services may be added or reduced depending on the financial institution.

The preferential interest rate service is an interest rate that is preferentially provided that the sum of the balances of the member accounts of the financial family is more than a predetermined level set by a financial institution. You can compensate by taking into account the ratio.

The credit guarantee service is a simple procedure without a complicated financial business procedure, such as submitting a separate document between the financial family members when the financial family members apply for a credit loan, it can be credit guarantee. The credit guarantee process can be simplified by the internal guidelines of each financial institution, and can receive the credit guarantee service according to a simpler procedure before receiving the financial family service.

The transfer approval occurs when the transfer is made by another person in the financial family, not by the transfer of his or her account, and the transfer is performed after the approval of the financial family member corresponding to the account holder for the protection of the account balance of the account holder. Way.

For example, in the case of applying for the direct debit payment service, the consolidated account service may pre-set the linked account among the accounts of the remaining members of the financial family when the balance of the balance of one of the members of the financial family is insufficient. Accordingly, payment can be conveniently completed without exceeding the date of direct debit payment.

In addition, the transfer service may use a method of performing a transfer after approval for the protection of the account balance of the other person. In this case, the method of performing the transfer after the approval is preferably determined at the time of approval of the authority of the financial family manager after the financial family application.

The control unit 140 manages the information of each financial family account and authority management unit 110, the Internet banking management unit 120, and the additional service management unit 130.

The database 150 stores the information of each financial family account and authority management unit 110, the Internet banking management unit 120, and the additional service management unit 130.

3 is a diagram illustrating a relationship between a financial family manager and a financial family member according to an embodiment of the financial family service system through Internet banking according to the present invention.

Referring to FIG. 3, a financial family manager may receive a supplementary service, etc., in connection with the financial family manager, who is authorized as a financial family among subscribers who have applied for an internet banking service.

In other words, A shown in FIG. 3 becomes a financial family manager, and B applies for a financial family service through an internet banking service and is approved as a one-to-one (1: 1) member. In addition, A again approves C and D as one-to-one members as financial family managers and shows that they are formed together as financial families. In addition, B is also approved as E-one-to-one member of E as a financial family manager. Here, C, D and E may be the same financial family member by approving A and B as the financial family, respectively, as the financial family manager.

Therefore, the financial family members can receive additional services provided by financial institutions through Internet banking without a human relationship, and can manage the account of the members more safely by recruiting financial family members by setting authority on a one-to-one basis.

Figure 4 is a flow chart showing the order of the financial family service method through the Internet banking according to the present invention.

5 is a flowchart illustrating a procedure of a transfer approval service according to an embodiment of a financial family service method through Internet banking according to the present invention.

Hereinafter, the financial family service method through the Internet banking of the present invention will be described in detail with reference to the financial family management unit.

First, a financial family manager opens a financial family service through an internet banking server and receives a one-to-one subscription application (S100).

In this case, in principle, the financial family service receives an application for subscription on a one-to-one basis. In addition, the financial family member who applied for subscription on a one-to-one basis may again establish a financial family relationship with another member on a one-to-one basis, and thus, the financial family member may establish a plurality of one-to-one financial family relationships.

The establishment of the financial family may be managed at a predetermined Internet site, and an individual who satisfies an appropriate standard may establish a financial family service on a server of the site.

Then, the prospective subscribers log in to the Internet banking, and apply for a financial family through the financial family service (S200). Here, the Internet banking should be applied directly to a financial institution using the personal information of the prospective subscriber in advance.

Subsequently, the financial family manager sets the authority of the prospective subscriber through the financial family account and the authority manager managing the authority information of the financial family subscriber and stores the authority as a financial family in the database of the financial family manager (S300). . The authority of the financial family manager and the financial family subscriber may be the same or may be different from each other. In the case of extending the authority, the consent of the other party is required, and the authority of the financial family manager may be freely reduced.

That is, each member can freely choose whether to adjust the access right to the account of the financial family member who granted the transfer right or to make the access inaccessible to the account to which the right to transfer the account was granted.

In the method of managing the authority of the financial family through the financial family authority management unit, for example, A and B, which constitute a financial family one-to-one among financial family members, may be divided into the following cases.

First, A may have the authority of account inquiry, transfer, etc. of B's account, and B may not have the above authority with A.

Second, B has authority to inquire account, transfer, etc. of A's account, and A may not have the authority to B.

Third, A and B may be equally authorized to inquire and transfer accounts to each other.

Fourth, A and B may not have any authority over each other's accounts.

When the financial family subscriber no longer wants to continue the financial family relationship through the Internet, the financial family subscriber disconnects the financial family relationship through the financial family account and the authority management unit and returns to the state of using the original account. can do.

In addition, the members of the financial family can be specified by limiting the access time to each other's account. The time may be a certain time zone, or may limit the total amount of access time. That is, certain members of the financial family may completely block access to a certain time when the access to the account is blocked, for example, working hours, class hours, and the like.

In addition, an account included in the financial family within the authority of the financial family member is used by the financial family member through the internet banking manager of the financial family manager (S400).

Between the accounts of the members of the financial family can be given a benefit that the financial institution does not charge a fee for the transfer. In addition, if the sum of the balance of the account reaches a certain level that meets the requirements of the financial institution may provide a separate preferential rate.

Subsequently, the result of the financial family service application can be inquired (S500). In this case, when a financial family manager logs in to Internet banking, a new financial family is added to a menu showing a list of persons formed in a financial family relationship.

In the case of an account transfer of another person other than the account family member's own account transfer, a method of performing a transfer after approval for protecting the account balance of the other person may be used. In this case, the method of performing the transfer after the approval is preferably determined at the time of approval of the authority of the financial family manager after the financial family application.

Specifically, as shown in FIG. 5, the financial family member first logs in (S100).

Then, the financial family member uses a transfer approval service (S200).

Subsequently, it is determined whether the financial family member has the transfer approval service right (S300).

If the authority exists, the process proceeds to the approval process for the transfer approval service, and if the authority is not provided, the transfer approval service is terminated. In other words, the transfer approval service procedure of the financial family member should be performed by logging in again.

If there is the authority, the transfer of the account is approved by the member of the financial family who is the owner of the account (S400).

Then, the transfer is made according to the transfer approval service (S500). Here, the usage history inquiry such as account transfer uses a method of integrating inquiry or management of asset composition status according to each member's account on one screen through the Internet or a mobile terminal.

The present invention described above is not limited to the above-described embodiment and the accompanying drawings, it is possible that various substitutions, changes and modifications within the scope without departing from the technical spirit of the present invention. It will be apparent to those of ordinary skill in the art.

As described above, the financial family service system and the method through the Internet banking according to the present invention, using an existing bank account through an online service that facilitates the exchange of certificates between people in a trust relationship without a separate power of attorney There is an effect that can improve the complexity of the conditions.

It also has the effect of providing opportunities for financial planning with family members or others, not individuals.

Claims (16)

In the financial family service method through the Internet banking that manages the member's account as the financial family through the management department and database, Applying for and opening a financial family service through an internet banking from a financial family manager; When the financial family service subscription subscription request, the financial family account and authority management unit determines the approval of the subscription of the subscriber to include as a member of the financial family and grants the service authority of the subscriber to the subscription; Storing the account and authority information of the prospective subscriber as a financial family in the database; If there is a financial service member's financial service request, the financial family account and the authority manager confirming the authority of the financial family member and transferring the requested financial service to an internet banking server through an internet banking manager; Storing, by the Internet banking management unit, a processing result in a database; Financial family service method through the Internet banking, characterized in that comprises a. The method of claim 1, The financial family service method through the Internet banking, characterized in that the preferential interest rate is applied separately, if the sum of the balance of the accounts of the members of the financial family is more than a predetermined level determined by a financial institution. The method of claim 1, The financial family service subscription subscription application from the prospective subscriber is a financial family service method through the Internet banking, characterized in that the one-to-one with the financial family manager. The method of claim 1, The service authority includes the account list inquiry authority, balance inquiry authority, transaction history inquiry authority, transfer authority, characterized in that the financial family service method through Internet banking. The method of claim 1, If the financial service request of the financial family member is a credit loan, financial family service method through the Internet banking, characterized in that credit guarantee is possible between members of the financial family. The method of claim 1, The financial family service method through the Internet banking, characterized in that when the financial service request of the financial family member due to the balance transfer occurs, the financial family member provides a connection account service between the members of the financial family through an additional service management unit. The method of claim 1, The financial family service method through the Internet banking, characterized in that if the financial service request of the member of the financial family, the bank transfer, the transfer approval service according to the approval of the account holder in the financial family. The method of claim 1, The financial family service method through the Internet banking, characterized in that for the account of the members of the financial family can limit the access time to the other account. A financial family account and authority management unit that manages financial account and authority information of a financial family member and determines whether to approve the financial service member's financial service request according to the authority information; An internet banking management unit for processing and storing the service history by transmitting the requested financial service to an internet banking server when a financial family member requests a financial service; An additional service manager for providing additional services related to financial institutions to members of the financial family; A control unit managing information of each management unit; A database unit for storing information of each management unit; Financial family service system through the Internet banking comprising a. The method of claim 9, The value-added service management unit provides a financial family service through the Internet banking, characterized in that if the sum of the balance of the account of the financial family member is more than a predetermined level set by a financial institution to provide the financial family members by applying a preferential interest rate. The method of claim 9, The financial family account and authority management unit financial family service system through the Internet banking, characterized in that when the financial family service subscription subscription request, the financial family manager and the prospective subscriber to manage to join in one-to-one correspondence. The method of claim 9, The financial family account and authority management unit financial family service system through the Internet banking, characterized in that the financial family member provides the account list inquiry authority, balance inquiry authority, transaction history inquiry authority, transfer authority service. The method of claim 9, The value-added service management unit is a financial family service system through the Internet banking, characterized in that if the financial service request of the financial family member is a credit loan, the credit guarantee is managed between the financial family members. The method of claim 9, The additional service management unit provides a financial account service through the Internet banking, characterized in that when the financial service request of the member of the financial family caused a balance shortage due to account transfer. The method of claim 9, When the financial service request of the financial family member is a bank transfer, the control unit controls the transfer to be approved according to the approval of the account holder in the financial family through the additional service manager. Service system. The method of claim 9, The control unit is a financial family service system through the Internet banking, characterized in that for limiting the access time for the account of the financial family members.

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