KR20080054091A - Method for unification account management using the internet - Google Patents

Abstract

A method for managing an integrated account by using the Internet is provided to enable a customer to obtain more interest by making the customer deposit money in an accumulation account of each customer and select a financial product from the financial products presented by an integrated account management system, and depositing the money accumulated in the accumulation account to the integrated account, which is managed by the system, of a financial facility managing the selected financial product. An integrated account management server stores personal information of a member to a member database in membership registration(S20). The server opens/provides an accumulation account to each member terminal and stores accumulation account information to a member account database(S30). The server provides a plurality of financial product information to the member terminal and receives the selected financial product information from the member terminal(S50). The server transfers an amount corresponding to an accumulation amount of the selected financial product from the accumulation account of the customer to an integrated account opened in a financial facility managing the selected financial facility(S60).

Description

How to Operate an Integrated Account Using the Internet {METHOD FOR UNIFICATION ACCOUNT MANAGEMENT USING THE INTERNET}

1 is a block diagram showing an integrated account operating system using the Internet according to the present invention;

2 is a view showing a financial product provided by the integrated account operating system using the Internet according to the present invention;

3 is an overall flowchart of an integrated account operating system using the Internet according to the present invention;

4 is a view showing an embodiment in which a deposit is deposited from the account to the integrated account by the integrated account operating system using the Internet according to the present invention;

5 is a diagram illustrating an embodiment of calculating interest as a deposit amount and interest are transferred from an integrated account of a bank server to an accumulated account of an integrated account operating system using the Internet according to the present invention;

The present invention relates to a method for operating an integrated account using the Internet, and more particularly, when a plurality of customers connected to the integrated account operating system through the Internet network make a deposit account for each individual and deposit the deposit, the deposit from the integrated account operation system. If the investment amount within the reserves accumulated in the savings account is deposited to the integrated account of the financial institution that operates the financial products selected by the customer after receiving a plurality of financial instruments with different interest rates according to the amount and the deposit period, The present invention relates to a method of operating an integrated account using the Internet that provides principal and interest corresponding to the principal.

In general, customers deposit deposits in each single account that each customer opens in a bank.

However, in financial institutions with low interest rates, depositing reserves in each single account has a problem in that it is difficult to expect a large interest rate compared to the deposited principal.

The present invention has been made to solve the above problems, when a plurality of customers connected to the integrated account operating system through the Internet network to deposit the reserve by making an account for each individual, the deposit amount and deposit period from the integrated account operating system According to the present invention, a number of financial instruments with different interest rates are presented to the consolidated account of the financial institution that operates the financial instrument selected by the customer. By using the accumulated integrated account, interest is accumulated and provides a method of operating an integrated account using the Internet that pays a large amount of interest corresponding to the principal.

Integrated account operating method using the Internet of the present invention for achieving the above technical problem is (a) the integrated account operating server 300 receives the connection of the customer terminal connected to the network and input when registering through the corresponding customer terminal Receiving the personal information of the customer and storing in the member DB; (b) the integrated account operation server 300 opens a personalized account for each member based on the member information stored in the member DB and provides it to the customer terminal, and stores the account information of the member in the member account DB ; (c) the integrated account management server 300 is stored in the financial product DB, providing a plurality of financial products having different deposit periods, deposit amounts and interest rates to the customer terminal, and provides the financial products selected by the customer from the customer terminal. Receiving; (d) depositing, by the integrated account operation server 300, an amount corresponding to the deposit amount of the financial product selected by the customer from the account of the member to the integrated account opened on the commercial bank server; (e) The integrated account management server 300 receives the expiration of the deposit period of the financial product from the commercial bank server and notifies the member terminal, and the deposit amount and the interest of the expired financial product of the commercial bank having the financial product. Receiving from the member terminal whether to re-deposit into the integrated account; And (f) when the integrated account management server 300 receives the member's repositioning intention from the member terminal, the deposit amount and interest are not refunded from the bank server, and the bank does not receive the member's intention of repositioning the bank. Receiving the deposit amount and interest during the deposit period from the server 400 and accumulate in the earning account of the member account DB; Characterized in that it comprises a.

Preferably, the integrated account management server 300 is characterized in that the principal and the interest according to the deposit period is refunded from the integrated account of the bank server the next day of the deposit period expires.

More preferably, in the personal savings account of the members opened by the integrated account management server 300, a predetermined reserve amount is accumulated before the deposit amount is deposited into the integrated account of the bank server.

Hereinafter, with reference to the accompanying Figures 1 to 5 will be described in detail a preferred embodiment of the present invention.

In the following the present invention, by depositing a certain amount of the reserves accumulated by a plurality of customers by making an individual account to one integrated account and deposited for a predetermined deposit period, an individual deposits a certain amount in a single account during the deposit period Although the method of operating an integrated account using the Internet to receive more interest than the interest obtained will be described as a preferred embodiment, the technical idea of the present invention is not limited or limited thereto and can be variously modified and implemented by those skilled in the art. Of course.

1 is an overall configuration diagram of an integrated account operating system through the Internet according to the present invention.

As shown in FIG. 1, the integrated account operating system through the Internet of the present invention includes a plurality of customer terminals 100, a network network 200, an integrated account operating server 300, and a bank server 400. do.

The customer terminal 100 allows a customer to access the integrated account management server 300.

The customer terminal 100 is capable of communicating with the integrated account operating server 300 through the network 200, a display that the customer can visually see the information transmitted from the integrated account operating server 300 Personal digital assistants (PDAs), personal computers (PCs) and mobile phones equipped with devices and customer input means such as touch screens, keypads and keyboards are available.

The network 200 is a financial common network, a value added network (VAN: Value Added Network) and a high-speed Internet network (ADSL / VDSL / Cable Network / ... / satellite communication) is used, the integrated account management server ( 300 enables communication with the customer terminal 100 and the bank server 400.

The integrated account management server 300 includes a savings account opening unit 310, financial product presentation unit 320, depositing unit 330, the control unit 340 and various DBs.

The control unit 340 is connected to the integrated account management server 300 using the customer's own terminal 100, personal information necessary for membership registration to the display device of the customer terminal 100, that is, resident registration number, age, Provide a form with your gender, name, contact information, address, and occupation.

Thereafter, the customer prepares the personal information corresponding to the personal information description form provided by the controller 340 by using a touch pad, a keypad, a keyboard, and the like, which are provided in the terminal 100.

The control unit 340 receives the personal information of the customer transmitted to the integrated account management server 300 through the customer terminal 100, and stores the received personal information in the member DB 350 to register the customer Approve.

On the other hand, the earning account opening unit 310, when a customer applies for a savings account for the integrated account investment in the customer registration process, by opening a saving account with a different account number to the corresponding customers to each member to provide.

Thereafter, the earning account should always have an investment amount that the customer can invest in the integrated account 420 included in the bank server 400.

That is, the customer provided with the account number from the account opening unit 310, the predetermined amount of reserves in advance through the Internet banking, phone banking account transfer unpaid deposit, etc. so that a portion of the reserves can be deposited into the integrated account (420) It is a good idea to keep your savings in a savings account.

The customer's earned account number and the amount of information accumulated in the corresponding earned account is stored and managed in the member account DB (370).

The financial product presentation unit 320 differs from each other according to the deposit amount and the deposit period, and presents a plurality of financial products stored in the financial product DB 360 to the customer as shown in FIG. 2.

That is, FIG. 2 shows 12 products consisting of a combination of deposit amounts of 10,000 won, 50,000 won and 100,000 won, deposit periods of 1 month, 3 months, 6 months and 12 months and interest rates of 1%, 3%, 5% and 7%. It is shown.

On the other hand, the customer selects any one of the 12 products in consideration of the amount accumulated in their own account.

Although FIG. 2 illustrates 12 kinds of products, the financial product presenting unit 320 may include a combination of more types of deposits, deposit periods, and interest rates to present 12 or more kinds of products to customers.

The depositing unit 330 deposits a portion of the reserves accumulated in the savings account in the integrated account 420 of the bank server, the amount specified in the product selected by the customer among the products presented by the financial product presentation unit 320.

For example, when the customer selects the commodity 1, the depositing unit 330 transfers 10,000 won of the accumulated credits to the consolidated account.

The interest rate calculation unit 410 included in the bank server 400 calculates the interest according to the principals of the members transferred to the consolidated account.

If the deposit period 430 included in the bank server 400 expires the deposit period specified in the product selected by the customer, the first deposit and the interest generated during the deposit period included in the integrated account management server 300 Will be refunded to your bank account.

Meanwhile, the integrated account operating method using the above-described configurations will be described with reference to FIGS. 1 to 5.

3 is an overall flowchart of a method of operating an integrated account according to the present invention.

First, the control unit 340 of the integrated account management server 300 performs a step of receiving a customer's connection through the network using a computer, PDA, and mobile phone corresponding to the customer terminal 100 (S10).

The control unit 340 receives a member information input by a customer using an input device such as a keypad, a touch screen and a keyboard provided in the customer terminal 100 and stores the received member information in the member DB 350 (S20). .

At this time, between the step S10 and step S20 the control unit 340 receives the customer's personal information corresponding to the resident registration number, name, contact number and address required for membership to the display device provided in the terminal 100 of the customer The method may further include transmitting a registration form so that the user can input the registration form.

When registered as a member in the integrated account management server 300, the account opening unit 310 of the integrated account management server 300 performs the step of providing to each member by separately opening the earning account (S30) .

Members who have been provided with the earning account must reserve a certain amount in the earning account.

The control unit 340 of the integrated account management server 300 is stored in the member account DB (370) to be stored in each of the member's earning account and the corresponding credit account.

The financial product presentation unit 320 of the integrated account management server 300 is stored in the financial product DB 360, as shown in FIG. 2, the customer who has set the deposit (or investment) amount, the deposit period and the interest rate The step of presenting to the terminal 100 is performed (S40).

The control unit 340 of the integrated account management server 300 performs the step of receiving the financial product selected by the customer by presenting the financial product 320 to the terminal 100 of the customer in step S40 (S50). ).

The depositing unit 330 of the integrated account operation server 300 performs the step of depositing the deposit amount set in the financial product selected by the member to the integrated account 420 of the bank server 400 (S60).

That is, the integrated account management server 300 is connected to the integrated account already established in the server 400 of the commercial banks, the bank server holding the financial products selected by the members among the products presented by the financial product presentation unit 320 (400) is automatically connected to the deposits accumulated in the member's earning account deposits in the integrated account of the bank server (400).

On the other hand, the interest rate for the deposit deposited in the consolidated account 420 is calculated by the interest rate calculator 410 of the bank server 400 during the deposit period.

The control unit 340 of the integrated account management server 300 receives that the deposit period has expired from the bank server 400 (S70), and notifies the member terminal 100 of the received expiration information (S70). S80).

The control unit 340 of the integrated account management server 300 performs a step of determining whether to re-deposit the member by transmitting to the member terminal 100 whether or not to re-deposit the expired financial product (S90).

When the member wishes to re-deposit, the steps S70 and S80 are repeated.

When rebooking, the deposit period is extended so that more interest is accumulated for the deposit period.

On the other hand, if the member does not wish to re-deposit the deposit refund unit 430 of the bank server 400 is to refund the principal and the interest generated during the deposit period to the member account of the integrated account management server 300 Perform the step (S100).

In one embodiment, among the financial products presented by the financial product presenting unit 320 of the integrated account management server 300, the deposit amount is 10,000, the deposit period is one month, and the interest rate is 0.0001% 1 The details of the case in which the members who selected the product 1 and the interest rate are different) are used in the consolidated account.

First, the depositing step into the integrated account will be described with reference to FIG. 4.

If member A accesses the integrated account management server 300 according to the present invention on the first day of the month and selects the product 1 having the above-described conditions, the depositing unit 330 may be placed in the earning account opened by member A upon membership. The accumulated reserves 10,000 won are deposited in the integrated account 420 of the bank server 400.

The next day, when member B selects the same product 1, the depositing unit 330 again deposits 10,000 accumulated in the accumulated account of member B in the integrated account 420 of the bank server 400.

In this way, every day when members access the integrated account management server 300 according to the present invention and selects the goods 1 of the above conditions, the depositing unit 330 banks 10,000 won accumulated in the member's earning account bank Deposited in the unified account 420 of the server 400.

 As shown in FIG. 4, when the member D 'accesses the integrated account management server 300 and selects the product 1, the depositing unit 330 receives 10,000 won in the accumulated account of the member D' bank account. As deposited in the consolidated account 420 of 400, the total interest accrued in the consolidated account is accumulated at 465 won.

It can also be seen that the total interest days in the consolidated account are 465 days.

Here, the integrated account management server 300 is a member by paying interest to the members by using the accumulated 456 won than one month and 30 won when using a single account, such as commercial banks, Increase their income.

This embodiment is described on the condition that members each day access to the integrated account management server 300 according to the present invention to deposit the credits accumulated in the earned account as an integrated account, but on any date to the integrated account management server 300 Of course, there may not be any transfer funds transferred to the integrated account because there is no member connected.

On the other hand, if the members deposit 10,000 won in each single account, not the consolidated account, it can be seen that the total interest earned is 30 won.

Referring to Figure 5 will be described in detail the step of the transfer period has expired to receive the deposit and interest refund.

After one month, on the first day of the month following the expiration of Member A's deposit period, Member A will be reimbursed the principal amount of the deposit of KRW 10,000 and the interest.

That is, as shown in Figure 5, member A is a 1,0030 sum of 10,000 won and interest 30 won of the total 300,465 won accumulated in the accumulated amount transferred by 30 members to the integrated account and the interest earned accordingly Receiving the refund to the account of the member A opened in the integrated account management server 300 by the reserve refund unit 430 of the bank server 400.

Here, if member A wishes to re-deposit after the deposit period expires, member A may accumulate more interest as much as the deposited period.

After the member A has received the principal and interest refund, the total amount accumulated in the integrated account 420 is 290,464 won, which is the sum of the remaining balance of 290,435 won after the payment and the interest 29 won of the remaining amount of 290,435 after the payment.

Although Member A explained that the total amount accumulated in the consolidated account 420 after repaying the principal and interest was 290,464 won, no one selected Commodity 1 after depositing in the consolidated account in Member D's account on the last day of delivery. If you do not explain the extreme case, even if you pay the principal and interest, you can see that the number of interest.

However, the integrated account 420 continues to accumulate a deposit amount from the accumulated accounts of other members connected to the integrated account operating server 300 according to the present invention.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited to the drawing.

As described above, the integrated account operating method using the Internet according to the present invention allows a plurality of members to be deposited in one account, an integrated account, so that each member can receive more interest than the interest earned by depositing in a single account. It works.

Claims (3)

(a) the integrated account management server 300 receives the connection of the customer terminal connected to the network and receives the personal information of the customer entered during the registration through the corresponding customer terminal and storing in the member DB; (b) the integrated account operation server 300 opens a personalized account for each member based on the member information stored in the member DB and provides it to the customer terminal, and stores the account information of the member in the member account DB ; (c) the integrated account management server 300 is stored in the financial product DB, providing a plurality of financial products having different deposit periods, deposit amounts and interest rates to the customer terminal, and provides the financial products selected by the customer from the customer terminal. Receiving; (d) depositing, by the integrated account operation server 300, an amount corresponding to the deposit amount of the financial product selected by the customer from the account of the member to the integrated account opened on the commercial bank server; (e) The integrated account management server 300 receives the expiration of the deposit period of the financial product from the commercial bank server and notifies the member terminal, and the deposit amount and the interest of the expired financial product of the commercial bank having the financial product. Receiving from the member terminal whether to re-deposit into the integrated account; And (f) When the integrated account management server 300 receives the member's re-deposit from the member terminal, the bank does not receive a refund amount and interest from the bank server and does not receive the member's intention to re-deposit the bank server. Receiving the deposit amount and interest during the deposit period from the 400 to accumulate in the earning account of the member account DB; Integrated account operating method using the Internet, characterized in that it comprises a. The method of claim 1, The integrated account management server 300, the method of operating the integrated account using the Internet, characterized in that the next day the deposit period expires and the interest according to the deposit period from the integrated account of the bank server. The method of claim 1, The method of operating an integrated account using the Internet, characterized in that a predetermined reserve amount is accumulated in the individual accumulated account of the members opened by the integrated account operation server 300 before the deposit amount is deposited into the integrated account of the bank server.

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