KR20090001490A - System and method for managing children private account and program recording medium - Google Patents

Abstract

A method and a system for operating a child-only account by including an additional interest processor, and a recording medium thereof are provided to make children interested in the child-only account by offering an additional interest to the child-only account and assigning an individual account name to the child-only account. An information storing unit(1440) links and stores an additional interest condition and information to a storage medium when a child-only account is opened in a bank. An information checker(1425) checks whether a financial transaction for the child-only account corresponds to the additional interest condition. An additional interest processor(1410) applies the additional interest corresponding to the additional inters condition to a transaction amount of the child-only account.

Description

System and Method for Managing Children Private Account and Program Recording Medium}

1 is a diagram illustrating a system for establishing a financial account in a face-to-face manner in which a child (or youth) -only financial account is opened according to an exemplary embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium storing child-only financial account operation information corresponding to a child-only financial account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

3 is a storage medium for storing child-only financial account operation information corresponding to a child-only financial account opened in a face-to-face manner according to another embodiment of the present invention associated with the ledger D / B provided in the DBMS on the financial system. A diagram illustrating an implementation method including a database.

FIG. 4 illustrates an implementation method including a DBMS provided in a banking server in which a storage medium for storing operation information for a child-specific financial account corresponding to a child-only financial account opened in a face-to-face manner according to another embodiment of the present invention is provided. One drawing.

5A and 5B illustrate a process of opening a child-only financial account for establishing a child (or youth) -only financial account in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of opening a child-only financial account for establishing a child (or youth) -only financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of opening a child-only financial account for establishing a child (or youth) -only financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face financial account opening system for opening a child (or youth) -only financial account according to another embodiment of the present invention.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium storing child-only financial account operation information corresponding to a child-only financial account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention. .

FIG. 10 is a storage medium for storing child-only financial account operation information corresponding to a child-only financial account opened in a non-face-to-face manner in accordance with another embodiment of the present invention, linked with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a compiled database.

FIG. 11 is a view illustrating an embodiment of the present invention in which a storage medium storing a child-only financial account operation information corresponding to a child-only financial account opened in a non-face-to-face manner includes a DBMS provided in a banking server. Figure is shown.

12A and 12B illustrate a process of opening a child-only financial account for opening a child-only (or youth) -only financial account in a non-face-to-face manner according to one embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of opening a child-only financial account for opening a child (or youth) -only financial account according to one embodiment of the present invention.

14 is a diagram illustrating a financial account operating system for operating a child (or youth) -only financial account according to an embodiment of the present invention.

15 is a diagram illustrating a process of operating a child (or youth) -only financial account according to an embodiment of the present invention.

16 is a diagram illustrating a process of operating a child (or youth) -only financial account according to another embodiment of the present invention.

17 is a diagram illustrating a process of operating a child (or youth) -only financial account according to another embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validity generation unit

130: electronic document generation unit 135: electronic document transmission unit

140: information generating unit 145: account opening unit

150: information storage unit 155: electronic document server

160: electronic document receiving unit 165: information generating unit

170: electronic document storage unit 175: electronic document D / B

180: Ledger D / B 185: Storage medium

190 Financial System 195 Terminal Equipment

The present invention, when opening a predetermined child-only account for a child at a predetermined financial institution, the account-linked product information initially subscribed to the child-specific account information and the child's account opening age in a predetermined information storage means; Linking account linked product information for each growth stage of a child to a predetermined storage medium, and checking a current age of a child corresponding to the child-only account by a predetermined information checking means, and storing the storage medium (or storage medium). Confirming the conversion of the account linkage product for each growth stage corresponding to the age of the child in connection with the age of the child; and if the conversion of the account linkage product is confirmed, the child is pre-subscribed in a predetermined linkage product processing means. In the child-only account management method comprising the step of converting the account linking products to the identified account linking products for each growth stage It is about.

Adolescents (or children), hopes for the future, will now become economic actors, both producers and consumers, in the future, although they are just a consumer of consumption, taking their allowances from their parents.

Implementing effective pocket management and economic education from an early age on such young people (or children) would be a sacred and noble task of giving hope to the future of the nation.

However, most financial services for adolescents (or children) do not differ from conventional financial services for adults, and such limited financial services can help young people (or children) effectively manage their pocket money. It involves difficult problems in implementing economic education.

An object of the present invention for solving the above problems is that when a predetermined financial institution establishes a predetermined child-only account for a child, a deposit transaction for the child-specific account information and the child-only account is specified such as various holidays and anniversaries. Information storage means for storing in a predetermined storage medium in association with a predetermined additional interest rate condition that applies a predetermined additional interest rate to the deposit transaction amount and the additional interest rate information when the payment occurs within a certain period of time; Information payment means for confirming that the financial transaction for the child-only account meets the additional interest rate condition in connection with the storage medium (or the storage medium operating means), and if the additional interest rate condition is met, the additional interest rate Find additional interest rate processing means for applying an additional interest rate corresponding to the condition to the transaction amount of the child-only account. Children can only account management system to provide.

In the method for operating a child-only account according to the present invention, when a predetermined financial institution establishes a predetermined child-only account for a child, a deposit transaction for the child-only account information and the child-only account is performed by predetermined information storage means. And storing in a predetermined storage medium in association with the additional interest rate condition and the additional interest rate information for applying the predetermined additional interest rate to the deposit transaction amount, if it occurs within a certain period of time, such as an anniversary date, and the account. Determining whether the financial transaction for the child-only account meets the additional interest rate condition in connection with the storage medium (or the storage medium operating means) in a predetermined information transaction. If the conditions are met, the additional interest rate corresponding to the additional interest rate condition is determined by the predetermined additional interest rate processing means. Including the step of applying to the transaction amount of the dedicated account is characterized in that formed.

Meanwhile, the method for operating a child-only account according to the present invention corresponds to the child-only account information and the child's account opening age in a predetermined information storage means when opening a predetermined child-only account for a child at a predetermined financial institution. Linking the first linked account linked product information and the linked account linked product information for each growth stage of the child to a predetermined storage medium, and determining the current age of the child corresponding to the child-only account in a predetermined information checking means. Confirming and confirming the conversion of the account linked product for each growth stage corresponding to the age of the child in connection with the storage medium (or the storage medium operating means); and if the conversion of the account linked product is confirmed, the predetermined linkage In the product processing means for converting the account linked products that the child is already subscribed to the account linked products for each identified growth stage And characterized by comprising comprises a.

On the other hand, the method for operating a child-only account according to the present invention, when opening a predetermined child-only account for a child at a predetermined financial institution, the child-specific account information and the child reaches the age of 19 in a predetermined information storage means. Storing the child-only account in a predetermined storage medium in association with automatic re-deposit information which automatically re-deposits the child-only account, and confirms the expiration of the child-only account in a predetermined information checking means and confirms the maturity of the maturity. Verifying automatic re-depositing of a child-only account in association with the storage medium (or storage medium operating means); and upon confirmation of automatic re-depositing of the child-only account, a predetermined re-depositing processing means And re-establishing the dedicated account.

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

On the other hand, the child-only account management system according to the present invention, when opening a predetermined child-only account for a child in a predetermined financial institution, the deposit transaction for the child-specific account information and the child-only account, such as various holidays and anniversaries Information storage means for storing in a predetermined storage medium in association with a predetermined additional interest rate condition that applies a predetermined additional interest rate to the deposit transaction amount and the additional interest rate information, if the occurrence occurs within a predetermined period on a specific day; In the case of a predetermined financial transaction, information verification means for confirming that the financial transaction for the child-only account in accordance with the additional interest rate conditions in connection with the storage medium (or the storage medium operation means); An additional interest rate processing means for applying an additional interest rate corresponding to the interest rate condition to the transaction amount of the child-only account; It is characterized by comprising.

According to the present invention, the additional interest rate condition is a condition in which the amount paid to the child-only account exceeds a specific amount, or a condition in which the amount paid in the child-only account is automatically transferred from a predetermined customer account, or the child only. It is characterized in that it further comprises a condition that is automatically re-deposited upon the expiration of the account.

On the other hand, the child-only account management system according to the present invention, when opening a predetermined child-only account for a child at a predetermined financial institution, the account that was first subscribed in correspondence with the child-specific account information and the account opening age of the child Information storage means for linking the linked product information and the linked product information for each growth stage of the child and storing the linked product information in a predetermined storage medium, and checking the current age of the child corresponding to the child-only account, and storing the stored medium (or storing Information checking means for confirming the conversion of the account linked products for each growth stage in accordance with the age of the child in connection with the media management means; and if the conversion of the linked accounts is confirmed, It characterized in that it comprises a linked product processing means for converting the account linked products for each growth stage identified.

According to the present invention, the account linked products, insurance products provided to a child using a child-only account in connection with a predetermined insurance company in accordance with the growth stage of the child, or in connection with a securities company in accordance with the growth stage of the child Securities products provided to the child using the child-only account, or fund investment products provided to the child using the child-only account in connection with a fund manager according to the growth stage of the child, or predetermined according to the growth stage of the child At least one travel product provided to the child using the child-only account in association with a travel agency, or an education product provided to the child using the child-only account in connection with a predetermined educational institution (or academy) according to the growth stage of the child It is characterized by including the above.

On the other hand, the child-only account management system according to the present invention, when opening a predetermined child-only account for a child at a predetermined financial institution, the child-only account information and the child until the child reaches the age of 19 Information storage means for storing in a predetermined storage medium in association with automatic re-deposit information to automatically re-deposit the account, and confirms the expiration of the child-only account, when the expiration date is confirmed, the storage medium (or storage medium operation) Means for confirming automatic re-depositing of the child-only account in association with the means), and re-handling processing means for re- depositing the child-only account upon the automatic re-depositing of the child-only account. It features.

According to the present invention, the child-only account management system, characterized in that it further comprises an account opening means for opening and changing the account name (or account name) of the child-only account to a name designated by the parent of the child. do.

According to the present invention, the information storage means is characterized in that the automatic re-exclusion reason information that does not automatically re-seat the child-only account is further stored in association with the child-only account information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of 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 made based on the contents throughout the present invention.

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.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional component provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a system for opening a face-to-face financial account for opening a children's (or youth) -only financial account according to an embodiment of the present invention.

In more detail, Figure 1 shows that a predetermined customer prepares an application for opening a child-only financial account that includes at least one predetermined customer information, child information, account name (or bank account name) information, and transaction type setting information. When submitted to the window provided in the institution, the financial institution through the prescribed application information for opening a child-only financial account corresponding to the application for opening a child-only financial account, the linked product according to the growth stage of a predetermined child (or youth) ( Or a financial account (for example, a budding love redemption account) that provides benefits such as services and additional interest rates, and manages the child-only financial account operation information for managing the child-only financial account in a predetermined storage medium 185. As a system configuration for storing, those of ordinary skill in the art to which the present invention pertains, refer to FIG. 1 and / or Various implementation methods may be inferred for the construction of a financial account opening system for modifying and opening a children's (or youth) -only financial account, but the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited to the method alone.

For example, a person of ordinary skill in the art to which the present invention pertains may open a financial account by omitting and implementing a method of storing the child-only financial account electronic document in the electronic document repository by referring to and / or modifying the drawing 1. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the financial account opening system, in addition to the implementation method shown in FIG. 1, may also be stored in the electronic document repository. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method of generating the child-only financial account electronic document as shown in Figure 1, the server-side on the financial account opening system to the child-only financial account electronic document corresponding to the child-only financial account opening application Although the present invention is illustrated as being generated by, the present invention is not limited thereto, and the child-only financial account electronic document acquires image contents corresponding to the child-only financial account opening application through a predetermined image obtaining device. It may be generated on the terminal side (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the child-only financial account electronic document), thereby the present invention is not limited.

Hereinafter, in response to the child-only financial account opening application and the child-only financial account opening application information created by the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. And a component corresponding to at least one or more means and / or functional configurations for generating a predetermined child-only financial account electronic document and storing it in a predetermined electronic document repository corresponding to the "financial company server 100". It is called.

Referring to FIG. 1 according to an embodiment of the present invention, a financial account opening system for opening a children's (or youth) -only financial account includes a teller terminal provided in at least one financial institution branch (or branch). And a terminal device 195, wherein the terminal device 195 is connected to a financial company server 100 provided on the financial account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to open the child (or youth) -only financial account, and (or through a window provided at the financial institution branch branch). A form for filling in at least one information item for opening a predetermined child-only financial account for opening a child-only financial account (for example, through a teller) (for example, the child-or-adolescent financial account). In this case, it is preferable that the customer seal the seal of the customer for the legal basis for the application for opening the child-only financial account.

Subsequently, when the customer submits the created child-only financial account opening application to the teller, the teller acquires predetermined image content by scanning the child-only financial account opening application through a predetermined image obtaining device, Image contents acquired in response to the application for opening a child-only financial account through the counter terminal of the user, customer information, child information, account name (or bank name) information and transaction type setting information written in the application for opening a child-only financial account. Input (or select) application information for opening a child-only financial account including at least one, and correspondingly, the counter terminal displays the image content and application information for opening a child-only financial account on the financial account opening system through the financial network. It is preferable to transmit to the financial institution server 100 provided in.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 190 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the financial account opening system as described above, an image acquiring device for acquiring image contents corresponding to a child-only financial account opening application prepared by the customer, a teller terminal used by the employee, the teller terminal and the financial company server 100 The financial network that connects) performs a function of a financial account opening interface for the customer to register child-only financial account opening application information for opening a child-only financial account.

The storage medium 185 provided on the financial account opening system according to the present invention includes the customer information, child information, and financial account information included in the child-only financial account opening application information provided from the terminal device 195. Characterized in the account name (or bank account name) information and transaction type information, characterized in that for storing the operation information for children-only financial account.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 1, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferable that the information be recorded in the form or printed on the account book paid to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, If the child (or adolescent) grows up and takes the middle school before or after taking the road safety insurance ", the" recommended school safety insurance "can be automatically converted into a predetermined" school violence security insurance ". have.

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on the financial system 190 provided on the financial account opening system (or associated with the financial account opening system), At this time, the storage medium 185 may be a ledger D / B (180) provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B (180), Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 185 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the financial account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 195 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 190. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 190, and / or a program provided in the external system on the financial system 190, The present invention is not limited thereby.

According to an embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when a predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 may be a child (or adolescent). ) Acquires an image content corresponding to a child-only financial account opening application prepared by the customer through a predetermined image acquisition device provided in the terminal device 195 to open a dedicated financial account, Generate (or extract) at least one user interface for inputting (or selecting) corresponding child-only financial account opening application information and transmitting the same to the financial institution server 100, and in connection with the interface unit 105 The interface providing unit 110 for providing the generated (or extracted) user interface to the terminal device 195, and the user in the terminal device 195 When a child-only financial account opening application information corresponding to the child-only financial account opening application is input (or selected) through an interface and transmitted, the child transmitted from the terminal device 195 in association with the interface unit 105 is transmitted. Image corresponding to the child-only financial account opening application created by the customer through the information receiving unit 115 for receiving the application information for opening the dedicated financial account opening and a predetermined image acquisition device based on the user interface in the terminal device 195. When the content is obtained and transmitted, the image receiving unit 120 may receive an image content corresponding to the application for opening a child-only financial account in association with the interface unit 105.

The interface providing unit 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then the child (or Youth) When requesting a user interface for opening a dedicated financial account, through the predetermined image acquisition device provided in the terminal device 195 obtains the image content corresponding to the application for opening a child-only financial account created by the customer, Generate (or select) child-only financial account opening application information corresponding to the child-only financial account opening application, and generate at least one user interface for transmitting to the financial institution server 100 through the financial network, and / or Extracted from a predetermined database (not shown), and linked with the interface unit 105 to generate (or extract) the user It characterized in that it provides an interface to the terminal device 195 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image contents corresponding to a child-only financial account opening application written by the customer through a predetermined image acquisition device, and corresponds to the child-only financial account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information for opening a child-only financial account to be transmitted to the financial institution server 100 through the financial network is provided, As described above, image content corresponding to the application for opening a child-only financial account created by the customer is acquired through a predetermined image acquisition device, and input (or selection) of application information for opening a child-only financial account corresponding to the application for opening a child-only financial account. User interface to transmit to the financial institution server 100 The generated (or extracted) by the interface, and providing (110) a mubang be omitted to provide to the terminal device 195, to which the present invention is not limited.

Thereafter, the terminal device 195 inputs application information for opening a child-only financial account that includes at least one of the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the user interface. (Or selects), and transmits the input (or selected) child-only financial account opening application information to the financial institution server 100 through the financial network. In response, the information receiving unit 115 transmits the interface unit ( And receiving the child-only financial account opening application information transmitted from the terminal device 195 in connection with 105), wherein the child-only financial account opening application information is received at least twice or partly or partially configured. Information may be omitted, and the present invention is not limited thereto.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

According to another exemplary embodiment of the present invention, when a personal name (or an alias) is not assigned to the child-only financial account (or bank account), the account name (or bank account name) information may be omitted, whereby the present invention. This is not limited.

The transaction type setting information is information for setting the linked product information for each growth stage of the child (or adolescent) or various application rates of application information in response to the characteristics of the child-only financial account. At least one piece of information for selecting linked product information for each growth stage of at least one child (or adolescent) among linked product information for each growth stage, or for selecting at least one additional interest rate applied information among a plurality of additive interest rate applied information. It is preferable to comprise.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to another exemplary embodiment of the present invention, the financial institution provides the transaction type information for the child-only financial account (or bank account) as it is, or the financial institution (or bank account) for the child-only financial account in the financial institution. When collectively registering transaction type information for the transaction type setting information, the present invention is not limited thereto.

In addition, the terminal device 195 obtains the image content corresponding to the application for opening a child-only financial account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is transferred to the financial network. Through the transmission to the financial institution server 100, in response to the image receiving unit 120 is characterized in that for receiving the image content corresponding to the application for opening a child-only financial account in connection with the interface unit 105. .

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image content corresponding to the application for opening a child-only financial account created by the customer through a predetermined image acquisition device and is provided to the terminal device 195. When the terminal device 195 is previously stored in a predetermined (or associated) storage device, the terminal device 195 may request an application for opening a child-only financial account created by the customer among at least one or more image contents stored in the storage device through the user interface. Select the image content corresponding to the transmission to the financial institution server 100 through the financial network, in response to the image receiving unit 120 is linked to the interface unit 105 in the child-only financial account opening application form It is desirable to receive the corresponding image content.

According to another exemplary embodiment of the present invention, the child device corresponding to the child-specific financial account opening application and the image content corresponding to the child-only financial account opening application created by the customer through the user interface in the terminal device 195. When the financial account opening application information is transmitted together, the information receiving unit 115 receives the image content corresponding to the application for opening the child-only financial account and the application information for opening the child-only financial account in cooperation with the interface unit 105. It is possible to (for example, the image receiving unit 120 is integrated into the information receiving unit 115 operating), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution server 100 receives the application information for opening a child-only financial account transmitted from the terminal device 195 through the information receiver 115, the financial institution server 100 opens the received child-only financial account. Characterized in that the application information is provided with a validity verification unit 125 to determine whether the satisfactory validity of opening the child (or youth) financial account.

According to an embodiment of the present invention, the validity of the application information for opening a child-only financial account is established in the ledger D / B 180 on the financial system 190 associated with the financial account opening system. It is preferable to include checking whether at least one ledger information matching the application information is registered.

For example, the verification of the validity of the application information for opening a child-only financial account is performed by using a financial system in which customer information (customer personal information, member information, etc.) included in the child-only financial account opening application information is linked to the financial account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the 190.

In addition, the verification of the validity of the application information for opening a child-only financial account includes checking whether the child information included in the application information for opening a child-only financial account is 19 years or younger for opening the child-only financial account. It is preferable to make.

In addition, the verification of the validity of the application information for opening a child-only financial account checks whether the account name (or bank account name) information included in the child-only financial account opening application information meets the account name (or bank account name) character limit. It is preferable to include at least one thing to do.

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account is linked to the growth information of the child (or youth) of the transaction type setting information included in the application information for opening the exclusive use of the child-only financial account to the child-only financial account. It is desirable to include at least one or more checks to meet the growth stage age conditions of the child (or adolescent).

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account includes the addition interest rate condition included in the addition rate application information among the transaction type setting information included in the application for opening the exclusive use of the child-only financial account. It is preferable to include at least one or more to check whether the conditions are met.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and receives the child-only finance through the validity checking unit 125. When the validity of the account opening application information is authenticated, the electronic document generation unit 130 for generating a predetermined child-only financial account electronic document including the received image content and the generated child-only financial account electronic document It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the financial account opening system.

The electronic document generating unit 130 generates a child-only financial account electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, the child (or youth). ) It is preferable to process the electronic documents for children's financial account which opens a dedicated financial account.

Alternatively, the electronic document generation unit 130 may apply to the image content received from the terminal device 195 through the image receiving unit 120 to the child-only financial account opening application information received through the information receiving unit 115. An image file corresponding to an image content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in a watermarking method is included in the child (or youth). It is desirable to create a children-only financial account electronic document that opens a dedicated financial account.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more such as HWP / DOC, web document file including MHT, etc. Adolescents) It is desirable to create electronic documents for children dedicated to opening a dedicated financial account.

Alternatively, the electronic document generation unit 130 may apply to the image content received from the terminal device 195 through the image receiving unit 120 to the child-only financial account opening application information received through the information receiving unit 115. Generating image contents including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in a watermarking method, and including the generated image content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a child-only financial account electronic document for opening the child (or youth) -only financial account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file) including at least one HWP / DOC, etc. , Or a web document file including MHT), it is preferable to generate a child-only financial account electronic document for opening the child (or youth) -only financial account.

Alternatively, the electronic document generation unit 130 may apply to the image content received from the terminal device 195 through the image receiving unit 120 to the child-only financial account opening application information received through the information receiving unit 115. Generating image content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in a watermarking method, and the generated image content and the child A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing application information for opening a dedicated financial account, or an MHT. E) a child-only financial account for opening a child (or youth) -only financial account by generating a web document file including It is desirable to create a document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 is a technical feature for generating a child-only financial account electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic documents for children-only financial accounts, and the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the child-only financial account electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the financial account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to the financial company server 100 on the financial account opening system with a predetermined electronic document server 155 and an electronic document D / B 175 linked through predetermined communication means. When provided externally, the electronic document transmission unit 135 is the electronic document server 155 generated by the electronic document generation unit 130 via the communication means the electronic document server 155 It characterized in that the transmission to.

Here, when the electronic document server 155 and the electronic document D / B 175 is provided outside the financial account opening system, the electronic document server 155 and the electronic document D / B 175 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the child-only financial account electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, thereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document-related information (for example, dedicated to children corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155 Customer information on the application for opening a financial account, and / or financial institution information for transmitting the child-only financial account electronic document, and / or electronic document file format information, and / or application information for opening the child-only financial account, etc.). It is possible to transmit to the electronic document storage, including, thereby the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 may request that a child-only financial account opening application information received through the information receiving unit 115 open the child-only financial account through the validity checking unit 125. If the validity of the opening is authenticated, the financial account information is based on the customer information, child information, account name (or bank name) information, and transaction type setting information included in the application for opening a child-only financial account for which the validity is verified. It is characterized in that it comprises a information generating unit 140 to generate and an account opening unit 145 for opening and processing a financial account of the customer name including the financial account information.

When the validity verification unit 125 confirms the validity of the application information for opening the child-only financial account, the information generation unit 140 includes the customer information, the child information, and the account included in the child-only financial account opening application information. The financial account information is generated based on name (or bank name) information and transaction type setting information.

Here, the financial account information is information corresponding to the child-only financial account opened based on the application information for opening a child-only financial account, including an account number for the child-only financial account, the child-only financial Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account opening unit 145 generates a customer ledger including customer information included in the application information for opening a child-only financial account in connection with the financial system 190 (or a customer ledger that is matched with the customer information and is already provided. To generate predetermined account ledger information including the financial account information, and then store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby providing the child-only financial account opening application information. Correspondingly, a predetermined financial account for opening a children's (or youth) -only financial account is opened.

According to an exemplary embodiment of the present invention, when the financial company server 100 and the financial system 190 exist in the same system, the account opening unit 145 is linked with the financial system 190 by the ledger D / B. It is preferable to generate a predetermined account ledger including financial account information at 180.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 190 exist on another system connected through a predetermined communication means, the account opening unit 145 may use predetermined communication means. Through the external system on the financial system 190, it is preferable to request the ledger D / B 180 on the other financial system 190 to generate a predetermined account ledger including the financial account information.

Referring to FIG. 1, the financial institution server 100 may request that a child-only financial account opening application information received through the information receiving unit 115 open the child-only financial account through the validity checking unit 125. If the validity to open is authenticated, at least one of the customer information, the child information, the financial account information, the account name (or bank account name) information, and the transaction type information included in the application for opening a child-only financial account for which the validity is verified is included. And an information storage unit 150 for storing the child-only financial account operation information in a predetermined storage medium 185.

When the validity confirmation unit 125 confirms the validity of the application information for opening a child-only financial account, the information storage unit 150 includes the customer information and the child information included in the application information for opening a child-only financial account. And storing the child-only financial account operation information including at least one of financial account information, account name (or bank account name) information, and transaction type information in the storage medium 185.

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial company server 100 or on the network connected to the financial company server 100, the information storage unit 150 may be configured as the storage medium 185. And storing the child-only financial account operation information including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the received child-only financial account opening application information. It is desirable to store in the medium 185.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in a DBMS provided on the financial system 190, the information storage unit 150 may apply to the received application information for opening a child-only financial account. Child-only financial account operation information including at least one of the included customer information, child information, financial account information, account name (or bank account name) information and transaction type information is provided through an external system on the financial system 190. It is preferable to provide a system and store in a DBMS provided on the financial system 190.

Referring to FIG. 1, an electronic document that receives a predetermined financial account electronic document for a child only from the financial institution server 100 provided on the financial account opening system and stores and manages the electronic document in a predetermined electronic document D / B 175. The server 155 may include an electronic document receiving unit 160 for receiving a predetermined child-only financial account electronic document from the financial institution server 100 through a predetermined communication means, and the received child-only financial account electronic document. An information generation unit 165 for generating predetermined electronic document management information for storing and managing in the document D / B 175, and the electronic document management information and the child-only financial account electronic document in a predetermined manner. It is characterized in that it comprises an electronic document storage unit 170 for storing in the document D / B (175).

The electronic document receiving unit 160 may receive a child-only financial account electronic document in the form of an image file and / or a document file from the financial company server 100 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 160 for the child-only financial account electronic document received through the communication means for the image content received by the financial company server 100 from the terminal device (195). It is preferable that the image file is included as it is.

Alternatively, the child-only financial account electronic document received by the electronic document receiving unit 160 through the communication means may be configured to open the child-only financial account in the image content received by the financial institution server 100 from the terminal device 195. It includes an image file corresponding to the image content including at least one of the customer information, child information, account name (or account name) information and transaction type setting information included in the application information by the watermarking method It is preferable.

According to another exemplary embodiment of the present invention, the child-only financial account electronic document received by the electronic document receiving unit 160 through the communication means is an image content received by the financial company server 100 from the terminal device 195. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document receiving unit 160 receives the child-only financial account electronic document received through the communication means, the financial company server 100 requests to open the child-only financial account on the image content received from the terminal device (195). A predetermined document file including image contents including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the information by watermarking. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to another exemplary embodiment of the present invention, the child-only financial account electronic document received by the electronic document receiver 160 through the communication means is an image received by the financial institution server 100 from the terminal device 195. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing contents and application information for opening a child-only financial account. File, or a web document file including MHT).

Alternatively, the electronic document receiving unit 160 receives the child-only financial account electronic document received through the communication means, the financial company server 100 requests to open the child-only financial account on the image content received from the terminal device (195). Image contents including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the information by watermarking, and application information for opening a child-only financial account. A predetermined document file (for example, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT). Etc.) is preferable.

The information generating unit 165 uses a predetermined electronic document unique number (or unique information) to be assigned to a child-only financial account electronic document received through the electronic document receiving unit 160, and the electronic document receiving unit 160. And generating electronic document management information including electronic document storage date and time information including a date and time at which the child-only financial account electronic document is received (or a date and time at which the child-only financial account electronic document is stored). .

According to an exemplary embodiment of the present invention, the information generation unit 165 refers to the financial institution server 100 that has transmitted the electronic financial account electronic document received through the electronic document receiving unit 160 to the child-only financial. It is preferable to identify the financial institution that has sent the account electronic document and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160, the information generating unit 165 may receive the received electronic document. Document-related information (e.g., customer information for creating a child-only financial account opening application corresponding to the image content, and / or financial institution information for transmitting the child-only financial account electronic document, and / or electronic document file format information, and And / or the electronic document management information further including the child-only financial account opening application information, etc.).

The electronic document storage unit 170 processes an electronic document management information generated through the information generation unit 165 and a child-only financial account electronic document received through the electronic document receiving unit 160 in a predetermined electronic document. It is characterized in that the storage in the D / B (175).

According to the exemplary embodiment of the present invention, the financial institution server 100 stores the electronic document storage unit 170 in the electronic document D / B 175 in the financial company server 100 in the terminal device 195. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the child-only financial account electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may be stored in the image content received by the financial institution server 100 from the terminal device 195. Corresponding to the image content including the customer information, child information, account name (or bank account name) information and transaction type setting information included in the application information for opening a child-only financial account is included in a watermarking method. It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the financial institution server 100 stores the electronic document storage unit 170 in the electronic document D / B 175 in the financial company server 100 by the terminal device 195. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the child-only financial account electronic document stored by the electronic document storage unit 170 in the electronic document D / B 175 may be included in the image content received by the financial institution server 100 from the terminal device 195. Predetermined information including the customer information included in the application for opening a child-only financial account, image content including at least one of child information, account name (or bank account name) information, and transaction type setting information in a watermarking manner. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

According to another exemplary embodiment of the present invention, the child-only financial account electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the financial company server 100 by the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) containing the image content received from the 195 and the application information for opening a child-only financial account; And at least one word processor file or at least one web document file including the MHT.

Alternatively, the child-only financial account electronic document stored by the electronic document storage unit 170 in the electronic document D / B 175 may be included in the image content received by the financial institution server 100 from the terminal device 195. Image contents including the customer information, child information, account name (or bank account name) information and transaction type setting information included in the application for opening a child-only financial account and watermarking method and water content A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the financial account opening application information, or the MHT is provided. Web document files, etc.) to be included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the electronic financial account electronic document, the child-only financial It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the account electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the financial account electronic document for children only is for the children only. Preferably, the financial institution further includes information on a financial institution that has transmitted the child-only financial account electronic document, which has been identified with reference to the financial institution server 100 that has transmitted the financial account electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial company server 100, the electronic document storage unit 170 processes the link with the child-only financial account electronic document. The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, customer information for creating a child-only financial account opening application corresponding to the image content, and / or the child only). Financial institution information for transmitting a financial account electronic document, and / or electronic document file format information, and / or application information for opening a child-only financial account).

2 is an implementation method in which a storage medium 185 storing a child-specific financial account operation information corresponding to a child-only financial account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on the financial system 190. Figure is a diagram.

In more detail, in FIG. 2, the storage medium 185 shown in FIG. 1 is the ledger D / B 180 provided in the DBMS on the financial system 190, or the ledger D / B 180 is provided in the ledger D / B 180. In this case, the information structure for an embodiment of the method for storing the child-only financial account operation information is stored in the ledger information provided in the ledger D / B (180), having a general knowledge in the technical field to which the present invention belongs If it grows up, it is possible to infer various information construction methods for storing the child-only financial account operation information in the ledger D / B (180) by referring to and / or modifying the figure 2, but the present invention is all inferred It includes an implementation method and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 180 provided in the DBMS on the financial system 190 is linked to a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 and at least one information associated with the account ledger are included, and the general knowledge in the technical field to which the present invention belongs. If the person has, the ledger D / B 180 provided in the DBMS on the financial system 190 has at least one ledger (for example, the ledger, loan ledger, mortgage ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like, and the customer ledger includes ledger information for a minor customer due to the characteristics of the child-only financial account. It is desirable to.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the storage medium 185 is the ledger D / B 180, or includes an implementation method provided in the ledger D / B 180. At least one of the customer information, the child information, the financial account information, the account name (or bank account name) information and the transaction type information included in the application information for opening a child-only financial account provided through the financial account opening system shown in FIG. It is characterized in that the child-only financial account management information is stored in the form of additional information added to the account ledger.

Referring to FIG. 2, since the child information of the child-only financial account operation information is provided in the customer ledger and the financial account information is provided in the account ledger, the child is provided in the form of additional information of the account ledger. The dedicated financial account operation information may include an account number for linking with the account ledger, customer information for opening the child-only financial account, account name (or bank account name) information, and children (or youth) of the transaction type information. It is preferable to include additional interest rate conditions and additional interest rate information corresponding to the child age information corresponding to the growth stage linked product information, the linked product information and the application of the additional interest rate of the transaction type information.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

Linked product information for each growth stage of the child (or youth) of the transaction type information is linked to the child (or youth) according to the child age information according to the growth stage of the child (or youth) and each child age It is preferable to include the linked product information.

When the linked products are various insurance products according to an embodiment of the present invention, the linked product information for each growth stage of the child (or youth) is predetermined corresponding to the age of the children (or teens) according to a predetermined insurance condition. It is preferably made to include the information to automatically (or free) subscription to the insurance product, and automatically converts the insurance product for each age according to the growth stage of the child (or youth).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

The information on the application of the interest rate of the transaction type information may include an additional interest rate condition to which an additional interest rate is additionally applied to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. Do.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total deposit amount deposited in the child-only financial account, whether the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to another exemplary embodiment of the present invention, the application for opening a child-only financial account is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Additional information added to the), and / or in addition to the account ledger can be stored in the form of a separate independent ledger, thereby the present invention is not limited.

3 is a ledger provided with a DBMS on a financial system 190 having a storage medium 185 storing information for operating a child-only financial account corresponding to a child-only financial account opened in a face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with the D / B 180.

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 185 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 180 provided in the DBMS on the financial system 190. As shown in FIG. 3, if a person of ordinary skill in the art of the present invention belongs to the present invention, the child-only financial account operation information is stored in a predetermined database by referring to and / or modifying the drawing 3. It is possible to infer various information configuration methods for storing in association with 180, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the child-only financial account operation information in the ledger information of the ledger D / B 180 on the DBMS provided on the financial system 190 (for example, in a financial institution). It is not easy to change the ledger D / B 180 of the DBMS by policy, or the system expansion is not easy due to the characteristics of the financial system 190). It shows an implementation method for storing the child-only financial account operation information, and the database and the ledger D / B (180) linked to process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 190 as in the embodiment shown in FIG. 3, and a database on the Internet banking system according to the intention of a person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 185 includes a database associated with the ledger D / B 180 provided in the DBMS on the financial system 190. Storing the child-only financial account operation information including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account; Characterized in that, the child-only financial account management information is preferably made to further include a CIF number corresponding to the ledger information in the child-only financial account management information to be processed in conjunction with the ledger D / B (180).

Referring to FIG. 3, since the child information among the child-only financial account operation information is provided in the customer ledger and the financial account information is provided in the account ledger, the ledger information and the CIF number are linked. The child-only financial account operation information includes an account number to be linked to the account ledger, customer information for opening the child-only financial account, account name (or bank account name) information, and the child (or youth) of the transaction type information. It is preferable to include the additional interest rate information and the interest rate information corresponding to the child age information and the linked product information corresponding to the growth product of the growth stage of the information and the application of the additional interest rate of the transaction type information.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

Linked product information for each growth stage of the child (or youth) of the transaction type information is linked to the child (or youth) according to the child age information according to the growth stage of the child (or youth) and each child age It is preferable to include the linked product information.

When the linked products are various insurance products according to an embodiment of the present invention, the linked product information for each growth stage of the child (or youth) is predetermined corresponding to the age of the children (or teens) according to a predetermined insurance condition. It is preferably made to include the information to automatically (or free) subscription to the insurance product, and automatically converts the insurance product for each age according to the growth stage of the child (or youth).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

The information on the application of the interest rate of the transaction type information may include an additional interest rate condition to which an additional interest rate is additionally applied to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. Do.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

4 shows a DBMS provided in a banking server 400 with a storage medium 185 storing information for operating a child-only financial account corresponding to a child-only financial account opened in a face-to-face manner according to another exemplary embodiment of the present invention. It is a figure which shows the implementation method containing.

In more detail, FIG. 4 shows a predetermined banking system in which the storage medium 185 shown in FIG. 1 is provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 400, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It will be possible to infer a method of constructing information on the operation information for children-only financial account stored in a predetermined DBMS provided in 400, but the present invention includes all the implementation methods inferred, the implementation shown in FIG. It is not limited to the method alone.

According to another embodiment of the present invention, referring to FIG. 4, wherein the storage medium 185 includes a DBMS provided in the banking server 400, a predetermined DBMS provided in the banking server 400 is provided. Storing the child-only financial account operation information including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account; It features.

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 1, including an account number for the child-only financial account, and the child-only finance. Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

Linked product information for each growth stage of the child (or youth) of the transaction type information is linked to the child (or youth) according to the child age information according to the growth stage of the child (or youth) and each child age It is preferable to include the linked product information.

When the linked products are various insurance products according to an embodiment of the present invention, the linked product information for each growth stage of the child (or youth) is predetermined corresponding to the age of the children (or teens) according to a predetermined insurance condition. It is preferably made to include the information to automatically (or free) subscription to the insurance product, and automatically converts the insurance product for each age according to the growth stage of the child (or youth).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

The information on the application of the interest rate of the transaction type information may include an additional interest rate condition to which an additional interest rate is additionally applied to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. Do.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

5A and 5B illustrate a process of opening a child-only financial account for establishing a child (or youth) -only financial account in a face-to-face manner according to one embodiment of the present invention.

5A and 5B show the terminal device 195 on the financial account opening system shown in FIG. 1 provided at a financial institution branch (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 190 linked to the counter terminal through the financial network, a predetermined customer opens a child-only financial account for opening a child (or youth) -only financial account. In order to open a child-only financial account opening application including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information, the financial institution opens the child-only financial account. A system for opening and processing a child-specific financial account in a face-to-face manner based on an application form. When a financial account opening application is made and submitted to the counter, the window terminal acquires predetermined image contents corresponding to the child-only financial account opening application through a predetermined image acquisition device and transmits the predetermined image content to the financial company server 100. Subsequently, inputting (or selecting) child-only financial account opening application information corresponding to the child-only financial account opening application and transmitting the information to the financial company server 100, the financial company server 100 and the customer information and child information; An implementation method of opening and processing the child-only financial account is based on the application information for opening the child-only financial account including at least one of account name (or bank account name) information and transaction type setting information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to register the application information for opening a child-only financial account with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the application for opening a child-only financial account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the method illustrated in FIGS. 5A and 5B including the electronic document generation and storage process, the teller terminal accesses a predetermined image content corresponding to the application for opening a child-only financial account through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) the child-only financial account opening application information corresponding to the application for opening the child-only financial account opening is illustrated and described as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, a child includes at least one child information, child information, account name (or bank account name) information and transaction type setting information for opening a child (or youth) -only financial account. After completing and submitting an application for opening a dedicated financial account, the window terminal shown in FIG. 1 corresponds to the child-only financial account opening application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. If a user interface requesting to open a child (or youth) -only financial account is requested (500), the server corresponds to a predetermined application corresponding to the application for opening a child-only financial account created by the customer through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting image content of the server to the server; In operation 505, the generated (or extracted) user interface is transmitted to the terminal through the financial network and output in operation 510.

Thereafter, the terminal acquires image content corresponding to the application for opening a child-only financial account through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the application for opening a child-only financial account is acquired through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server opens a child-only financial account including at least one of customer information, child information, account name (or bank name) information and transaction type setting information corresponding to the application for opening a child-only financial account matching the image content. Generate (or extract) a user interface for inputting (or selecting) application information and transmitting it to the server (530), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs it. (535).

Thereafter, the terminal inputs (or selects) application information for opening a child-only financial account including at least one of the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the user interface. (540).

If the user-only financial account opening application information including at least one or more of the customer information, the child information, the account name (or bank account name) information and the transaction type setting information is input (or selected) through the user interface (545), The terminal transmits the application information for opening a child-only financial account opened (or selected) to the server through the financial network (550).

Subsequently, the server receives and reads the application information for opening a child-only financial account which includes at least one of the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the financial network. The validity of the application information for opening a dedicated financial account is checked (555).

According to an embodiment of the present invention, the validity of the application information for opening a child-only financial account is requested to open the child-only financial account in the ledger D / B 180 on the financial system 190 associated with the financial account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the verification of the validity of the application information for opening a child-only financial account is performed by using a financial system in which customer information (customer personal information, member information, etc.) included in the child-only financial account opening application information is linked to the financial account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the 190.

In addition, the verification of the validity of the application information for opening a child-only financial account includes checking whether the child information included in the application information for opening a child-only financial account is 19 years or younger for opening the child-only financial account. It is preferable to make.

In addition, the verification of the validity of the application information for opening a child-only financial account checks whether the account name (or bank account name) information included in the child-only financial account opening application information meets the account name (or bank account name) character limit. It is preferable to include at least one thing to do.

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account is linked to the growth information of the child (or youth) of the transaction type setting information included in the application information for opening the exclusive use of the child-only financial account to the child-only financial account. It is desirable to include at least one or more checks to meet the growth stage age conditions of the child (or adolescent).

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account includes the addition interest rate condition included in the addition rate application information among the transaction type setting information included in the application for opening the exclusive use of the child-only financial account. It is preferable to include at least one or more to check whether the conditions are met.

If the validity of the child-only financial account opening application information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), and the child-only financial account opening application information Do not perform the procedures for opening a corresponding child-only financial account.

On the other hand, if the validity of the child-only financial account opening application information is authenticated (560), the server generates a predetermined child-only financial account electronic document containing the image content (570).

According to an exemplary embodiment of the present invention, the server opens the child (or youth) -only financial account as it is, the image file including the image content received from the terminal device 195 through the image receiving unit 120. It is desirable to process the child-only financial account electronic document.

Alternatively, the server may include the customer information and the child included in the child-only financial account opening application information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Opening an exclusive financial account for a child (or adolescent) in an image file corresponding to an image content including at least one of information, account name (or bank account name) information, and transaction type setting information by watermarking; It is desirable to create a child-only financial account electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby creating the child (or youth) financial account. It is desirable to create a child-only financial account electronic document.

Alternatively, the server may include the customer information and the child included in the child-only financial account opening application information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. A predetermined document file (for example, a watermarking method) including at least one or more of information, account name (or bank account name) information, and transaction type setting information, and including the generated image content. , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Or adolescents), it is desirable to create a children-only financial account electronic document that opens a dedicated financial account.

According to another exemplary embodiment of the present invention, the server opens the child-only financial account received through the image receiving unit and the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc.), it is preferable to generate a child-only financial account electronic document for opening the child (or youth) -only financial account.

Alternatively, the server may include the customer information and the child included in the child-only financial account opening application information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Generating image content including at least one of information, account name (or bank account name) information, and transaction type setting information by a watermarking method, and the generated image content and application information for opening a child-only financial account; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) to generate a child-only financial account electronic document that opens the child (or youth) -only financial account. It is desirable.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a child-only financial account electronic document in an image file format and / or a predetermined document file format, and the child-only financial account electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated child-only financial account electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated child-only financial account electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server sends the generated child-only financial account electronic document to an electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the child-only financial account electronic document in the electronic document storage, as shown in Figure 1 by linking the generated child-only financial account electronic document and the prescribed electronic document management information It is preferable to include storing in the electronic document D / B (175).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the child-only financial account electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information for transmitting the child-only financial account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a child-only financial account opening application corresponding to the image content, and / or financial institution information for transmitting the child-only financial account electronic document. , And / or electronic document file format information, and / or application information for opening a child-only financial account, etc.).

If the electronic dedicated financial account electronic document is stored in the electronic document repository (580), the server deals with customer information, child information and account name (or bank name) information included in the application information for opening a dedicated child financial account. The financial account information is generated based on the shape setting information (585).

Here, the financial account information is information corresponding to the child-only financial account opened based on the application information for opening a child-only financial account, including an account number for the child-only financial account, the child-only financial Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

Thereafter, the server is linked with the financial system 190 based on the customer information, child information, account name (or bank name) information, and transaction type setting information included in the application for opening a child-only financial account. A financial account under the customer's name including account information is opened (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application information for opening a child-only financial account in connection with the financial system 190 (or is matched with the customer information and is provided with a pre-installation. Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby providing the child-only financial account. In response to the application for opening information, a predetermined financial account for opening the child (or youth) -only financial account is opened.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the financial account information to the ledger D / B 180 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 180 on the other financial system 190 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server operates a child-only financial account including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account. The information is generated and stored in the predetermined storage medium 185 (595).

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 1, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to an embodiment of the present invention, when the storage medium 185 is provided in the server or on a network associated with the server, the server includes the received child-only financial account opening application information. Preferably, the storage medium 185 stores child-only financial account operation information including at least one of customer information, child information, financial account information, account name (or bank account name) information, and transaction type information.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the server includes the customer information included in the received application information for opening a child-only financial account. And a financial system by providing child-only financial account operation information including at least one child information, financial account information, account name (or bank account name) information, and transaction type information through an external system on the financial system 190. It is preferable to store in the DBMS provided on (190).

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the child-only financial account, and / or the history of storing the child-only financial account electronic document in the electronic document repository, and / or the storage medium ( In step 185, the mobile terminal generates (or extracts) the details of storing the application information for opening the child-only financial account and transmits the generated information to the terminal (599).

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on the financial system 190 provided on the financial account opening system (or associated with the financial account opening system), In this case, the storage medium 185 may be a ledger D / B 180 provided in a DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 180. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 185 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the financial account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of opening a child-only financial account for establishing a child (or youth) -only financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device 195 on the financial account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 190 linked to the counter terminal through a financial network, a predetermined customer opens a child-only financial account in which a customer (or adolescent) opens a financial account for a child (or youth). In order to prepare and submit a child-only financial account opening application form including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information, the financial institution may request the application for opening a child-only financial account. As a system configuration for opening and processing a child-only financial account in a face-to-face manner, specifically, the customer After completing the application for opening a loan account and submitting it to the counter, the window terminal inputs (or selects) a child-only financial account opening application information corresponding to the application for opening a child-only financial account and transmits it to the financial institution server 100. Subsequently, when a predetermined image content corresponding to the application for opening a child-only financial account is acquired through a predetermined image acquisition device and transmitted to the financial institution server 100, the financial institution server 100 may request the client information and the child information. An implementation method of opening and processing the child-only financial account is based on the application information for opening the child-only financial account including at least one of account name (or bank account name) information and transaction type setting information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to register the application information for opening a child-only financial account at the teller terminal 100 with the financial company server 100. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the embodiment shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the application for opening a child-only financial account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the application for opening a child-only financial account through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) the child-only financial account opening application information corresponding to the application for opening the child-only financial account opening is illustrated and described as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, the child information, the account name (or bank name) information and the transaction type setting information transmitted to the financial company server 100 are referred to as "child-only financial account opening application information" for convenience.

Referring to FIGS. 6A and 6B, a predetermined customer includes at least one child information, child information, account name (or bank account name) information, and transaction type setting information for opening a child (or youth) -only financial account. After completing and submitting an application for opening a dedicated financial account, the window terminal shown in FIG. 1 corresponds to the child-only financial account opening application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When a user interface for opening a child-only financial account is requested (600), in response, the server responds to the customer information, child information, and account name (or bank account) corresponding to the application for opening a child-only financial account created by the customer. Enter application information for opening a child-only financial account that includes at least one of information) and transaction type setting information. A user interface for generating (or selecting) a user interface for transmitting to the server is generated (or extracted) (605), and the generated (or extracted) user interface is transmitted to the terminal for output through the financial network (610).

Thereafter, the terminal inputs (or selects) application information for opening a child-only financial account including at least one of the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the user interface. (615).

If the child-only financial account opening application information including at least one of the customer information, the child information, the account name (or bank account name) information and the transaction type setting information is input (or selected) through the user interface (620), The terminal transmits the child-only financial account opening application information input (or selected) to the server through the financial network (625).

Subsequently, the server receives and reads the application information for opening a child-only financial account which includes at least one of the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the financial network. The validity of the application information for opening a dedicated financial account is checked (630).

According to an embodiment of the present invention, the validity of the application information for opening a child-only financial account is requested to open the child-only financial account in the ledger D / B 180 on the financial system 190 associated with the financial account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the verification of the validity of the application information for opening a child-only financial account is performed by using a financial system in which customer information (customer personal information, member information, etc.) included in the child-only financial account opening application information is linked to the financial account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the 190.

In addition, the verification of the validity of the application information for opening a child-only financial account includes checking whether the child information included in the application information for opening a child-only financial account is 19 years or younger for opening the child-only financial account. It is preferable to make.

In addition, the verification of the validity of the application information for opening a child-only financial account is determined whether the account name (or bank account name) information included in the child-only financial account opening application information meets the account name (or bank account name) character limit. It is preferable to include at least 1 or more to confirm.

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account is linked to the growth information of the child (or youth) of the transaction type setting information included in the application information for opening the exclusive use of the child-only financial account to the child-only financial account. It is desirable to include at least one or more checks to meet the growth stage age conditions of the child (or adolescent).

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account includes the addition interest rate condition included in the addition rate application information among the transaction type setting information included in the application for opening the exclusive use of the child-only financial account. It is preferable to include at least one or more to check whether the conditions are met.

If the validity of the child-only financial account opening application information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640). Do not perform the procedures for opening a corresponding child-only financial account.

On the other hand, if the validity of the child-only financial account opening application information is authenticated (635), the server predetermined image content corresponding to the child-only financial account opening application created by the customer through a predetermined image acquisition device in the terminal. Acquire and generate (or extract) a user interface for transmitting to the server (645), and transmits the generated (or extracted) user interface to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the application for opening a child-only financial account through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the child-only financial account opening application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

In operation 670, the server receiving the child-only financial account opening application information and the image content from the terminal generates a predetermined child-only financial account electronic document including the image content.

According to an exemplary embodiment of the present invention, the server stores the image file including the image content received from the terminal device 195 through the image receiving unit 120 as the child (or youth) -only financial account. It is preferable to process the electronic documents for children's financial account to be opened.

Alternatively, the server may include the customer information and the child included in the child-only financial account opening application information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Opening an exclusive financial account for a child (or adolescent) in an image file corresponding to an image content including at least one of information, account name (or bank account name) information, and transaction type setting information by watermarking; It is desirable to create a child-only financial account electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby creating the child (or youth) financial account. It is desirable to create a child-only financial account electronic document.

Alternatively, the server may include the customer information included in the application information for opening a child-only financial account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. A predetermined document file including image information including at least one of child information, account name (or bank account name) information, and transaction type setting information by a watermarking method, and including the generated image content ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is desirable to create a children-only financial account electronic document that opens a dedicated financial account (or youth).

According to another exemplary embodiment of the present invention, the server opens the child-only financial account received through the image receiving unit and the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc.), it is preferable to generate a child-only financial account electronic document for opening the child (or youth) -only financial account.

Alternatively, the server may include the customer information included in the application information for opening a child-only financial account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Create image content including at least one or more of child information, account name (or bank account name) information, and transaction type setting information by watermarking, and apply to open the generated image content and the child-only financial account. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.) to generate a child-only financial account electronic document that opens a child-only financial account. It is desirable.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a child-only financial account electronic document in an image file format and / or a predetermined document file format, and the child-only financial account electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated child-only financial account electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated child-only financial account electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server sends the generated child-only financial account electronic document to an electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the child-only financial account electronic document in the electronic document storage, as shown in Figure 1 by linking the generated child-only financial account electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the child-only financial account electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information for transmitting the child-only financial account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a child-only financial account opening application corresponding to the image content, and / or financial institution information for transmitting the child-only financial account electronic document. , And / or electronic document file format information, and / or application information for opening a child-only financial account, etc.).

If the electronic dedicated financial account electronic document is stored in the electronic document repository (680), the server deals with customer information, child information and account name (or bank name) information included in the application information for opening a dedicated child financial account. The financial account information is generated based on the shape setting information (685).

Here, the financial account information is information corresponding to the child-only financial account opened based on the application information for opening a child-only financial account, including an account number for the child-only financial account, the child-only financial Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

Thereafter, the server is linked with the financial system 190 based on the customer information, child information, account name (or bank name) information, and transaction type setting information included in the application for opening a child-only financial account. A financial account under the customer's name including account information is opened (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application information for opening a child-only financial account in connection with the financial system 190 (or is matched with the customer information and is provided with a pre-installation). Open the child-only financial account by generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. And in response to the application information, a predetermined financial account for opening a children's (or youth) -only financial account is opened.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the financial account information to the ledger D / B 180 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 180 on the other financial system 190 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server operates a child-only financial account including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account. Information is generated and stored in a predetermined storage medium 185 (695).

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to the implementation method of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and a member of the customer Information (e.g., member ID information provided in a customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, Or a CIF (Customer Information File) number or the like).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 1, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to an embodiment of the present invention, when the storage medium 185 is provided in the server or on a network associated with the server, the server includes the received child-only financial account opening application information. Preferably, the storage medium 185 stores child-only financial account operation information including at least one of customer information, child information, financial account information, account name (or bank account name) information, and transaction type information.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the server includes the customer information included in the received application information for opening a child-only financial account. And a financial system by providing child-only financial account operation information including at least one child information, financial account information, account name (or bank account name) information, and transaction type information through an external system on the financial system 190. It is preferable to store in the DBMS provided on (190).

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the child-only financial account, and / or the history of storing the child-only financial account electronic document in the electronic document repository, and / or the storage medium ( In step 185, a history of storing the application information for opening a child-only financial account is generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on the financial system 190 provided on the financial account opening system (or associated with the financial account opening system), In this case, the storage medium 185 may be a ledger D / B 180 provided in a DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 180. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 185 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the financial account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of opening a child-only financial account for establishing a child (or youth) -only financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 195 on the financial account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 190 linked to the counter terminal through a financial network, a predetermined customer opens a child-only financial account in which a customer (or adolescent) opens a financial account for a child (or youth). In order to prepare and submit a child-only financial account opening application form including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information, the financial institution may request the application for opening a child-only financial account. As a system configuration for opening and processing a child-only financial account in a face-to-face manner, specifically, the customer When a loan account opening application is made and submitted to the counter, the window terminal acquires a predetermined image content corresponding to the child-only financial account opening application through a predetermined image acquisition device, and the application is made to the child-only financial account opening application. After inputting (or selecting) corresponding child-only financial account opening application information, and transmitting the image content and the child-only financial account opening application information to the financial company server 100, the financial company server 100 in the customer A method of opening and processing the child-only financial account based on the application information for opening a child-only financial account including at least one of information, child information, account name (or bank account name) information, and transaction type setting information is shown. .

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to register application information for opening a child-only financial account with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the application for opening a child-only financial account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the teller terminal receives predetermined image contents corresponding to the application for opening a child-only financial account through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) the child-only financial account opening application information corresponding to the application for opening the child-only financial account opening is illustrated and described as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, the child information, the account name (or bank name) information and the transaction type setting information transmitted to the financial company server 100 are referred to as "child-only financial account opening application information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer includes at least one child information, child information, account name (or bank name) information and transaction type setting information for opening a child (or youth) -only financial account. After completing and submitting an application for opening a dedicated financial account, the window terminal shown in FIG. 1 corresponds to the child-only financial account opening application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When requesting a user interface for opening a child (or youth) -only financial account (700), in response, the server requests the application for opening a child-only financial account corresponding to the application for opening a child-only financial account created by the customer. Input (or select) the application for opening the child-only financial account through a predetermined image acquisition device. Acquire (or extract) a user interface for acquiring and transmitting the predetermined image content to the server (705), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs it ( 710).

Thereafter, the terminal inputs (or selects) application information for opening a child-only financial account including at least one of the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the user interface. (715).

If the child-only financial account opening application information including at least one of the customer information, the child information, the account name (or bank account name) information and the transaction type setting information is input (or selected) through the user interface (720), The terminal acquires image content corresponding to the child-only financial account opening application through a predetermined image acquisition device based on the user interface (725).

If image contents corresponding to the application for opening a child-only financial account is acquired through the image acquisition device (730), the terminal transmits the application information and image content for opening a child-only financial account to the server through the financial network. (735).

Subsequently, the server receives and reads the application information for opening a child-only financial account which includes at least one of the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the financial network. The validity of the application for opening a dedicated financial account is checked (740).

According to an embodiment of the present invention, the validity of the application information for opening a child-only financial account is requested to open the child-only financial account in the ledger D / B 180 on the financial system 190 associated with the financial account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the verification of the validity of the application information for opening a child-only financial account is performed by using a financial system in which customer information (customer personal information, member information, etc.) included in the child-only financial account opening application information is linked to the financial account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the 190.

In addition, the verification of the validity of the application information for opening a child-only financial account includes checking whether the child information included in the application information for opening a child-only financial account is 19 years or younger for opening the child-only financial account. It is preferable to make.

In addition, the verification of the validity of the application information for opening a child-only financial account checks whether the account name (or bank account name) information included in the child-only financial account opening application information meets the account name (or bank account name) character limit. It is preferable to include at least one thing to do.

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account is linked to the growth information of the child (or youth) of the transaction type setting information included in the application information for opening the exclusive use of the child-only financial account to the child-only financial account. It is desirable to include at least one or more checks to meet the growth stage age conditions of the child (or adolescent).

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account includes the addition interest rate condition included in the addition rate application information among the transaction type setting information included in the application for opening the exclusive use of the child-only financial account. It is preferable to include at least one or more to check whether the conditions are met.

If the validity of the child-only financial account opening application information is not authenticated (745), the server generates predetermined financial account error information and transmits it to the terminal (750), and the child-only financial account opening application information Do not perform the procedures for opening a corresponding child-only financial account.

On the other hand, if the validity of the application information for opening a child-only financial account is authenticated (745), the server generates a predetermined child-only financial account electronic document including the image content (755).

According to an exemplary embodiment of the present invention, the server opens the child (or youth) -only financial account as it is, the image file including the image content received from the terminal device 195 through the image receiving unit 120. It is desirable to process the child-only financial account electronic document.

Alternatively, the server may include the customer information and the child included in the child-only financial account opening application information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Opening an exclusive financial account for a child (or adolescent) in an image file corresponding to an image content including at least one of information, account name (or bank account name) information, and transaction type setting information by watermarking; It is desirable to create a child-only financial account electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby creating the child (or youth) financial account. It is desirable to create a child-only financial account electronic document.

Alternatively, the server may include the customer information and the child included in the child-only financial account opening application information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. A predetermined document file (for example, a watermarking method) including at least one or more of information, account name (or bank account name) information, and transaction type setting information, and including the generated image content. , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Or adolescents), it is desirable to create a children-only financial account electronic document that opens a dedicated financial account.

According to another exemplary embodiment of the present invention, the server opens the child-only financial account received through the image receiving unit and the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate a child-only financial account electronic document for opening the child-or-child financial account.

Alternatively, the server may include the customer information and the child included in the child-only financial account opening application information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Generating image content including at least one of information, account name (or bank account name) information, and transaction type setting information by a watermarking method, and the generated image content and application information for opening a child-only financial account; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) to generate a child-only financial account electronic document that opens the child (or youth) -only financial account. It is desirable.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a child-only financial account electronic document in an image file format and / or a predetermined document file format, and the child-only financial account electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated child-only financial account electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated child-only financial account electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server sends the generated child-only financial account electronic document to an electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the child-only financial account electronic document in the electronic document storage, as shown in Figure 1 by linking the generated child-only financial account electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the child-only financial account electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information for transmitting the child-only financial account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a child-only financial account opening application corresponding to the image content, and / or financial institution information for transmitting the child-only financial account electronic document. , And / or electronic document file format information, and / or application information for opening a child-only financial account, etc.).

If the electronic dedicated financial account electronic document is stored in the electronic document repository (765), the server deals with customer information, child information and account name (or bank name) information included in the application information for opening a dedicated child financial account. The financial account information is generated based on the type setting information (770).

Here, the financial account information is information corresponding to the child-only financial account opened based on the application information for opening a child-only financial account, including an account number for the child-only financial account, the child-only financial Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

Thereafter, the server is linked with the financial system 190 based on the customer information, child information, account name (or bank name) information, and transaction type setting information included in the application for opening a child-only financial account. A financial account of the customer's name including account information is opened (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application information for opening a child-only financial account in connection with the financial system 190 (or is matched with the customer information and is provided with a pre-installation). Open the child-only financial account by generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. And in response to the application information, a predetermined financial account for opening a children's (or youth) -only financial account is opened.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the financial account information to the ledger D / B 180 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 180 on the other financial system 190 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server operates a child-only financial account including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account. The information is generated and stored in the predetermined storage medium 185 (780).

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or youth) It is desirable to include information that corresponds to you.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 190 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). And at least one member ID information, a CIF (Customer Information File) number, and the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 1, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period Each time after-tax principle is automatically re-deposited in the same period as the previous contract period, the automatic re-deposit date may include automatic re-deposit information that corresponds to the date after each contract period after the contract date.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to an embodiment of the present invention, when the storage medium 185 is provided in the server or on a network associated with the server, the server includes the received child-only financial account opening application information. Preferably, the storage medium 185 stores child-only financial account operation information including at least one of customer information, child information, financial account information, account name (or bank account name) information, and transaction type information.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the server includes the customer information included in the received application information for opening a child-only financial account. And provide child-only financial account operation information including at least one child information, financial account information, account name (or bank account name) information and transaction type information to the information system through the external system on the financial system 190. It is desirable to store in a DBMS provided on the system 190.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the child-only financial account, and / or the history of storing the child-only financial account electronic document in the electronic document repository, and / or the storage medium ( In step 185, a history of storing the application information for opening a child-only financial account is generated (or extracted) and transmitted to the terminal (785).

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on the financial system 190 provided on the financial account opening system (or associated with the financial account opening system), In this case, the storage medium 185 may be a ledger D / B 180 provided in a DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 180. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 185 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the financial account opening system, and It is possible to be provided in a DBMS on at least one or more banking systems of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face financial account opening system for opening a child (or youth) -only financial account according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a child-only financial account in which a predetermined customer includes at least one predetermined customer information, child information, account name (or bank account name) information, and transaction type setting information through a predetermined financial account opening interface. When the application information for opening is provided to the financial institution, the financial institution may receive benefits such as linked products (or services) and additional interest rates according to the growth stage of a predetermined child (or youth) through the application information for opening a child-only financial account. The present invention relates to a system configuration for providing a financial account (for example, a budding love savings account) to provide, and storing child-only financial account operation information for managing the child-only financial account in a predetermined storage medium 880. Those skilled in the art may refer to and / or modify this drawing to describe the child (or adolescent). Would be able to infer a variety of exemplary methods for the financial account opened to open the financial accounts for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to omit a method of omitting an implementation method for storing the electronic document for children only in the electronic document repository. It is possible to infer the establishment system of the opening system, and also in the case of storing the child-only financial account electronic document in the electronic document repository, the electronic document repository is located in the financial account opening system in addition to the implementation method shown in FIG. Although it is possible to infer an implementation method provided in the DBMS, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the child-only financial account electronic document is illustrated as being generated on the server side on the financial account opening system, but the present invention is not limited thereto. The child-only financial account electronic document may be generated on the terminal side which inputs (or selects) the child-only financial account opening application information (for example, the electronic document generation function provided on the server side is provided on the terminal side). Generate the child-only financial account electronic document), whereby the present invention is not limited.

Hereinafter, the child-only financial account opening application information is provided from the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. 8 so that the customer opens the child-only financial account. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined child-only financial account electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a financial account opening system for opening a child (or youth) -only financial account includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 890 including at least one or more, the terminal device 890 communicates with the financial company server 800 provided on the financial account opening system through a predetermined network means. The channel is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Entering (or selecting) a child-only financial account opening application information for opening the child-only financial account through at least one user interface provided by the financial institution server 800, the client terminal may select a predetermined network means. It is preferable to transmit to the financial institution server 800 provided on the financial account opening system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 890 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 890 connected to an x-based portable Internet and / or all terminal devices 890 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 800 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 800, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 800, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial company server 800; And / or the wireless communication network performs a function of a financial account opening interface for the customer to register child-only financial account opening application information for opening a child-only financial account.

According to another exemplary embodiment of the present invention, the terminal device 890 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server A financial network connecting 800 performs a function of a financial account opening interface for registering a child-only financial account opening application information for the customer to open a child-only financial account, and / or the terminal. When the device 890 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 are the customer. Perform a function of a financial account opening interface for registering the application information for opening a child-only financial account for opening the child-only financial account; and / or In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal device 890, the terminal (and / or server) (not shown) and the terminal (and / or Server) (not shown) and the network that connects the financial company server 800 functions as a financial account opening interface for the customer to register the application for opening a child-only financial account for the child (or youth) -only financial account opening. Perform

The storage medium 880 provided on the financial account opening system according to the present invention includes the customer information, child information, and financial account information included in the application information for opening a child-only financial account provided from the terminal device 890. And store at least one child-only financial account operation information including at least one of account name (or bank account name) information and transaction type information.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 8, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, Automatically (or free) in the road security insurance, and when the child (or youth) is grown up and taken before and after junior high school, the "back to school security insurance" can be automatically converted to a predetermined "school violence security insurance" All.

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to one embodiment of the invention, the storage medium 880 is preferably provided in a DBMS on a financial system 885 provided on the financial account opening system (or associated with the financial account opening system), In this case, the storage medium 880 may be a ledger D / B 875 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 875. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 880 is provided on (or associated with) the bank account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial company server 800 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 890 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided on the internet banking server, and / or a predetermined access to the external system of the financial system 885 via the internet banking system. A foreign system on the financial system 885 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system 885, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is connected to the wireless banking system. A predetermined server (or apparatus) which is a predetermined wireless banking server provided in the network, and / or a program provided in the wireless banking server, and / or is accessible to the external system of the financial system 885 via the wireless banking system. A server provided in the external system on the financial system 885, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external world on the financial system 885, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 may be connected to the telebanking system. The banking system 885 may be a predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided to the program, and / or a program included in the telebanking server, and / or through the telebanking system. Any server (or device) accessible to the outside world of the program, a program included in the server (or device), and / or the accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the financial system 885, and / or a program provided in the external system on the financial system 885, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 885 via the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 885 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 885, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 800 may include an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 890 through the network means.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when the predetermined terminal device 890 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 receives the child (or youth). Create (or extract) at least one user interface for inputting (or selecting) predetermined application information for opening a child-only financial account to the financial institution server 800 in the terminal device 890 to open a dedicated financial account. And an interface providing unit 810 for providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805, and the user interface in the terminal device 890. When the child-only financial account opening application information is input (or selected) through and transmitted, the child transmitted from the terminal device 890 in association with the interface unit 805. Characterized in that the information receiving unit 815 for receiving the application information for opening the dedicated financial account opening.

The interface providing unit 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then connects the child (or the child) to the financial institution server 800. Youth) When requesting a user interface for opening a dedicated financial account, the terminal device 890 inputs (or selects) predetermined application information for opening a child-only financial account and transmits it to the financial company server 800 through the network means. Generate at least one user interface and / or extract it from a predetermined database (not shown), and interface the interface unit 805 with the generated (or extracted) user interface via the network means. And to the device 890.

According to an exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is provided as a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

At least one user for inputting (or selecting) predetermined application information for opening a child-only financial account to the terminal device 890 according to another embodiment of the present invention and transmitting the information to the financial institution server 800 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined application information for opening a child-only financial account as described above is generated (or extracted) for transmission to the financial institution server 800. The interface providing unit 810 provided to the terminal device 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 inputs application information for opening a child-only financial account which includes at least one of the customer information, the child information, the account name (or the bank account name) information, and the transaction type setting information through the user interface ( Or transmit the input (or selected) child-only financial account opening application information to the financial institution server 800 through the network means, and correspondingly, the information receiving unit 815 transmits the interface unit 805. And the child-only financial account opening application information transmitted from the terminal device 890, in which the child-only financial account opening application information is received at least two times or is divided into some configuration information. May be omitted, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the terminal device 890 includes the customer information, child information, account name (or bank account name) information, and transaction type setting information including at least one child-only financial account opening application information. An OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the application information for opening a child-only financial account in the financial institution server 800 may be used. It is preferable to further include at least one or more to transmit to the financial institution server 800 through the network means.

According to the exemplary embodiment of the present invention, the terminal device 890 includes at least one child-only financial account application request information including at least one of the customer information, the child information, the account name (or bank account name) information and the transaction type setting information. Encrypt with one or more encryption methods (eg, symmetric key based encryption methods, and / or public key based encryption methods, and / or electronic envelope based encryption methods, and / or key exchange based encryption methods), and / or the children It is preferable to attach a predetermined electronic signature to the application information for opening a dedicated financial account and transmit it to the financial institution server 800 through the network means. For this purpose, the terminal apparatus 890 includes at least one corresponding to the encryption scheme. With a cryptographic key, and / or with a predetermined certificate containing at least one cryptographic key And, and / or when the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card).

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the application information for opening a child-only financial account and a predetermined electronic signature are attached to the application information for opening a child-only financial account. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

According to another exemplary embodiment of the present invention, when a personal name (or an alias) is not assigned to the child-only financial account (or bank account), the account name (or bank account name) information may be omitted, whereby the present invention. This is not limited.

The transaction type setting information is information for setting the linked product information for each growth stage of the child (or adolescent) or various application rates of application information in response to the characteristics of the child-only financial account. At least one piece of information for selecting linked product information for each growth stage of at least one child (or adolescent) among linked product information for each growth stage, or for selecting at least one additional interest rate applied information among a plurality of additive interest rate applied information. It is preferable to comprise.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to another exemplary embodiment of the present invention, the financial institution provides the transaction type information for the child-only financial account (or bank account) as it is, or the financial institution (or bank account) for the child-only financial account in the financial institution. When collectively registering transaction type information for the transaction type setting information, the present invention is not limited thereto.

Referring to FIG. 8, when the financial institution server 800 receives the application information for opening a child-only financial account transmitted from the terminal device 890 through the information receiver 815, the financial institution server 800 opens the received child-only financial account. Characterized in that the application information is provided with a validity check unit 820 to determine whether the satisfactory validity of opening the child (or youth) financial account.

According to an embodiment of the present invention, the child-only financial account opening application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, etc., the validity verification unit 820 includes at least one decryption scheme (eg, symmetric key-based) corresponding to the encryption scheme for the encrypted child-only financial account opening application information. Decryption method, and / or public key-based decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc., thereby validating the validity of the received child-only financial account opening application information. It is desirable to.

Alternatively, when a predetermined electronic signature is attached to the application information for opening a child-only financial account, the validity confirming unit 820 checks the electronic signature attached to the application for opening a child-only financial account, and thus receives the received child only. It is advisable to verify the validity of the application for opening a financial account.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted child-only financial account opening application information, and an electronic signature attached to the child-only financial account opening application information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the child-only financial account opening application information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the child-only financial account opening application information, The validity verification unit 820 compares and authenticates the password included in the child-only financial account opening request information and the password provided corresponding to the customer on the DBMS, thereby receiving the received child-only financial account opening request information. It is desirable to authenticate the validity of the.

Alternatively, when the child-only financial account opening application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the child-only financial account opening application information, the validity checking The unit 820 compares and authenticates the received security card information included in the application information for opening a child-only financial account and the security card information provided corresponding to the customer on the DBMS, thereby requesting to open the received child-only financial account. It is desirable to authenticate the validity of the information.

Alternatively, when the child-only financial account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the child-only financial account opening application information, the validity checking unit 820 compares and authenticates the received OTP code included in the application information for opening a child-only financial account and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received OTP code. It is advisable to certify the validity of the application information for opening a child-only financial account.

According to the method of the present invention, the validation of the application information for opening the dedicated child financial account is established in the ledger D / B 875 on the financial system 885 associated with the financial account opening system. It is preferable to include checking whether at least one ledger information matching the application information is registered.

For example, the verification of the validity of the application information for opening a child-only financial account is performed by using a financial system in which customer information (customer personal information, member information, etc.) included in the child-only financial account opening application information is linked to the financial account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B (875) on 885.

In addition, the verification of the validity of the application information for opening a child-only financial account includes checking whether the child information included in the application information for opening a child-only financial account is 19 years or younger for opening the child-only financial account. It is preferable to make.

In addition, the verification of the validity of the application information for opening a child-only financial account checks whether the account name (or bank account name) information included in the child-only financial account opening application information meets the account name (or bank account name) character limit. It is preferable to include at least one thing to do.

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account is linked to the growth information of the child (or youth) of the transaction type setting information included in the application information for opening the exclusive use of the child-only financial account to the child-only financial account. It is desirable to include at least one or more checks to meet the growth stage age conditions of the child (or adolescent).

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account includes the addition interest rate condition included in the addition rate application information among the transaction type setting information included in the application for opening the exclusive use of the child-only financial account. It is preferable to include at least one or more to check whether the conditions are met.

Referring to FIG. 8, when the validity of the child-only financial account opening application information is authenticated through the validity verification unit 820, the financial company server 800 includes the received child-only financial account opening application information. An electronic document generation unit 825 for generating a predetermined child-only financial account electronic document, and an electronic document transmission unit 830 for transmitting the generated child-only financial account electronic document to an electronic document repository associated with the financial account opening system. It is characterized by comprising a).

The electronic document generating unit 825 generates a child-only financial account electronic document including the application information for opening a child-only financial account received from the terminal device 890 through the information receiving unit 815. .

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, child information, and account name (or bank name) included in the application information for opening a child-only financial account received through the information receiving unit 815. Generate document content including at least one information and transaction type setting information, and include a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP /) including the document content. It is preferable to process a word processor file including at least one DOC or the like, or a web document file including an MHT) into a child-only financial account electronic document for opening the child (or youth) -only financial account.

Alternatively, the electronic document generation unit 825 may include customer information, child information, account name (or bank name) information, and transaction type setting information included in the application information for opening a child-only financial account received through the information receiving unit 815. Generating at least one document content including at least one of at least one of at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the application information for opening a child-only financial account; After the information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. A word processing file including at least one or a web document file including an MHT), and the like. It is treated as child-only financial accounts, electronic document outlining preferred.

Alternatively, the electronic document generation unit 825 may include customer information, child information, account name (or bank name) information, and transaction type setting information included in the application information for opening a child-only financial account received through the information receiving unit 815. Generating an image content including at least one of the document contents, and generating an image file including the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). ) It is preferable to process the electronic documents for children's financial account which opens a dedicated financial account.

Alternatively, the electronic document generation unit 825 may include customer information, child information, account name (or bank name) information, and transaction type setting information included in the application information for opening a child-only financial account received through the information receiving unit 815. Generating document content including at least one of the document contents, and including the content content of the child-only financial account opening application information in the captured image content (eg, the image content generated by capturing the document content on a memory); A watermarking method including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information, and the image file including the image content including the watermarking. Treat it as an electronic document for a child-only financial account that opens a child-only financial account. It is good.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include the customer information, the child information, and the account name (or bank account) included in the application information for opening a child-only financial account received through the information receiving unit 815. Generating document content including at least one of name) information and transaction type setting information, and including image content (eg, image content generated by capturing the document content on a memory); A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to process the child-only financial account electronic document to open the child (or youth) -only financial account.

Alternatively, the electronic document generation unit 825 may include customer information, child information, account name (or bank name) information, and transaction type setting information included in the application information for opening a child-only financial account received through the information receiving unit 815. Generating document content including at least one of the document contents, and including the content content of the child-only financial account opening application information in the captured image content (eg, the image content generated by capturing the document content on a memory); Generating an image content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information by a watermarking method, and the image content including the watermarking. A document file (eg, a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or HWP / D) By generating a word processor file including at least one or more OC, or a web document file including the MHT, etc.), it is preferable to process the child-only financial account electronic document opening the child (or youth). .

According to another exemplary embodiment of the present invention, the electronic document generator 825 may include the customer information, the child information, and the account name (or the information included in the application for opening a child-only financial account received through the information receiver 815). Generating document content including at least one bankbook name information and transaction type setting information, and capturing the document content (e.g., image content generated by capturing the document content on a memory); A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one document containing application information for opening a child-only financial account; or Child-only financial account for opening the child (or youth) -only financial account by generating a web document file including MHT) It is preferable to process it as an electronic document.

Alternatively, the electronic document generation unit 825 may include customer information, child information, account name (or bank name) information, and transaction type setting information included in the application information for opening a child-only financial account received through the information receiving unit 815. Generating document content including at least one of the document contents, and including the content content of the child-only financial account opening application information in the captured image content (eg, the image content generated by capturing the document content on a memory); Generating image content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information by a watermarking method, and the image content including the watermarking; A document file (for example, a Portable Document Format (PDF) file) containing the application information for opening a child-only financial account; Is to create an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to process the child-only financial account electronic documents.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 825 for generating a child-only financial account electronic document in an image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic documents for children-only financial accounts, and the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits and stores the child-only financial account electronic document generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the financial account opening system. do.

As shown in FIG. 8, the electronic document repository is connected with a financial company server 800 on the financial account opening system and a predetermined electronic document server 850 and electronic document D / B 870 connected through predetermined communication means. When provided externally, the electronic document transmission unit 830 is the electronic document server 850 generated by the electronic document generation unit 825 through the communication means through the electronic document server 850 It characterized in that the transmission to.

Here, when the electronic document server 850 and the electronic document D / B 870 is provided outside the financial account opening system, the electronic document server 850 and the electronic document D / B 870 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 830 generates the electronic document generation unit 825. It is possible to store the child-only financial account electronic document in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, thereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 830 is electronic document related information for generating predetermined electronic document management information in the electronic document server 850 (for example, application information for opening a child-only financial account) Customer information, and / or financial institution information for transmitting the child-only financial account electronic document, and / or electronic document file format information, and / or application information for opening the child-only financial account, etc.) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 may use the child-only financial account opening application information received through the information receiving unit 815 to open the child-only financial account through the validity checking unit 820. If the validity of the opening is authenticated, the financial account information is based on the customer information, child information, account name (or bank name) information, and transaction type setting information included in the application for opening a child-only financial account for which the validity is verified. And an information creating unit 835 for generating and an account opening unit 840 for opening and processing a financial account of the customer's name including the financial account information.

When the validity confirmation unit 820 confirms the validity of the application information for opening the child-only financial account, the information generation unit 835 includes the customer information, the child information, and the account included in the child-only financial account opening application information. The financial account information is generated based on name (or bank name) information and transaction type setting information.

Here, the financial account information is information corresponding to the child-only financial account opened based on the application information for opening a child-only financial account, including an account number for the child-only financial account, the child-only financial Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period Each time after-tax principle is automatically re-deposited in the same period as the previous contract period, the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after each contract period after the contract date.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account opening unit 840 generates a customer ledger including customer information included in the application information for opening a child-only financial account in connection with the financial system 885 (or a customer ledger that is matched with the customer information and is already provided. To generate predetermined account ledger information including the financial account information, and then store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby providing the child-only financial account opening application information. Correspondingly, a predetermined financial account for opening a children's (or youth) -only financial account is opened.

According to an embodiment of the present invention, when the financial institution server 800 and the financial system 885 exist in the same system, the account opening unit 840 may be linked with the financial system 885 in the ledger D / B. In 875, it is preferable to generate a predetermined account ledger including the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 885 exist on another system connected through a predetermined communication means, the account opening unit 840 may use predetermined communication means. It is preferable to request the ledger D / B 875 on the other financial system 885 to generate a predetermined account ledger including the financial account information through an external system on the financial system 885 through.

Referring to FIG. 8, the financial institution server 800 may use the child-only financial account opening application information received through the information receiving unit 815 to open the child-only financial account through the validity checking unit 820. If the validity to open is authenticated, at least one of the customer information, the child information, the financial account information, the account name (or bank account name) information, and the transaction type information included in the application for opening a child-only financial account for which the validity is verified And an information storage unit 845 for storing the child-only financial account operation information in a predetermined storage medium 880.

When the validity confirmation unit 820 confirms the validity of the application information for opening a child-only financial account, the information storage unit 845 may include the customer information and the child information included in the child-only financial account opening application information. Characterized in that the storage medium 880 to store the child-only financial account operation information that includes at least one or more financial account information, account name (or account name) information and transaction type information.

According to an exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 880. And storing the child-only financial account operation information including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the received child-only financial account opening application information. It is desirable to store in the medium 880.

According to another exemplary embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 845 may apply to the received application information for opening a child-only financial account. Child-only financial account operation information including at least one of the customer information, child information, financial account information, account name (or bank account name) information, and transaction type information included through the external system on the financial system 885. It is desirable to provide a system and store it in a DBMS provided on the financial system 885.

Referring to FIG. 8, an electronic document for receiving a predetermined child-only financial account electronic document from the financial company server 800 provided on the financial account opening system is stored and managed in a predetermined electronic document D / B 870. The document server 850 includes an electronic document receiving unit 855 for receiving a predetermined child-only financial account electronic document from the financial institution server 800 through a predetermined communication means, and the received child-only financial account electronic document. An information generation unit 860 for generating predetermined electronic document management information for storage and management in the electronic document D / B 870, and the electronic document management information and the child-only financial account electronic document are processed in a predetermined manner. And an electronic document storage unit 865 for storing in the electronic document D / B 870.

The electronic document receiving unit 855 may receive a child-only financial account electronic document in the form of an image file and / or a document file from the financial institution server 800 through the communication means.

According to the exemplary embodiment of the present invention, the child-only financial account electronic document received by the electronic document receiving unit 855 through the communication means is a child-only finance received by the financial company server 800 from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file) containing document information including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the account opening application information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document receiving unit 855, the child-only financial account electronic document received through the communication means is included in the child-only financial account opening application information received by the financial company server 800 from the terminal device 890. Customer information, child information and account name (or bank account) included in the application information for opening a child-only financial account in document content including at least one of customer information, child information, account name (or bank account name) information and transaction type setting information. After including at least one or more information of the name) and the transaction type setting information by a watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI) containing document content including the watermarking. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document including MHT File).

Alternatively, the electronic document receiving unit 855, the child-only financial account electronic document received through the communication means is included in the child-only financial account opening application information received by the financial company server 800 from the terminal device 890. Image content capturing document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information (e.g., image content generated by capturing the document content on a memory). It is preferable to include an image file including).

Alternatively, the electronic document receiving unit 855, the child-only financial account electronic document received through the communication means is included in the child-only financial account opening application information received by the financial company server 800 from the terminal device 890. Image content capturing document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information (e.g., image content generated by capturing the document content on a memory). ) At least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application information for opening a child-only financial account, in a watermarking method. It is preferable to include an image file including the image content including the marking.

According to another exemplary embodiment of the present invention, the child-only financial account electronic document received by the electronic document receiving unit 855 through the communication means is only for the child received by the financial company server 800 from the terminal device 890. Image content (e.g., the document content) which captures document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the financial account opening application information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file) including at least one HWP / DOC, etc. , Or a web document file including MHT).

Alternatively, the electronic document receiving unit 855, the child-only financial account electronic document received through the communication means is included in the child-only financial account opening application information received by the financial company server 800 from the terminal device 890. Image content capturing document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information (e.g., image content generated by capturing the document content on a memory). ) Image content including watermarking method of at least one of customer information, child information, account name (or bank account name) information and transaction type setting information included in the application information for opening a child-only financial account. A document file (eg, Portable Document Forma) that is generated and contains image content including the watermarking. t) a file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the child-only financial account electronic document received by the electronic document receiving unit 855 through the communication means is received by the financial company server 800 from the terminal device 890. Image content (e.g., the document) which captures document information including at least one of customer information included in the application for opening a child-only financial account, child information, account name (or bank account name) information, and transaction type setting information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) including image content generated by capturing content on a memory) and application information for opening a child-only financial account. A word processor file including at least one DOC or the like, or a web document file including an MHT). Do.

Alternatively, the electronic document receiving unit 855, the child-only financial account electronic document received through the communication means is included in the child-only financial account opening application information received by the financial company server 800 from the terminal device 890. Image content capturing document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information (e.g., image content generated by capturing the document content on a memory). ) Image content including watermarking method of at least one of customer information, child information, account name (or bank account name) information and transaction type setting information included in the application information for opening a child-only financial account. Generate and include image content including the watermarking and application information for opening a child-only financial account. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

The information generating unit 860 is a predetermined electronic document unique number (or unique information) to be assigned to a child-only financial account electronic document received through the electronic document receiving unit 855, and through the electronic document receiving unit 855 And generating electronic document management information including electronic document storage date and time information including a date and time at which the child-only financial account electronic document is received (or a date and time at which the child-only financial account electronic document is stored). .

According to an embodiment of the present invention, the information generation unit 860 refers to the financial institution server 800 that has transmitted the electronic financial account electronic document received through the electronic document receiving unit 855, the child-only financial. It is preferable to identify the financial institution that has sent the account electronic document and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 855, the information generating unit 860 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the application information for opening a child-only financial account; and / or financial institution information for transmitting the child-only financial account electronic document, and / or electronic document file format information). And / or the application information for opening a child-only financial account, etc.).

The electronic document storage unit 865 associates a child-only financial account electronic document received through the electronic document receiving unit 855 with electronic document management information generated by the information generating unit 860 to process a predetermined electronic document. It is characterized in that the storage in the D / B (870).

According to the exemplary embodiment of the present invention, the financial institution server 800 stores the electronic document storage unit 865 in the electronic document D / B 870. Document files (e.g., PDFs) containing document information including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application for opening a child-only financial account application received from A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the child-only financial account electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be a child-only financial account received by the financial company server 800 from the terminal device 890. Customer information and child information included in the application information for opening a child-only financial account in document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application for opening application. And a document file (eg, PDF (Portable Document) containing document content including the watermarking after including at least one or more information of account name (or bankbook name) information and transaction type setting information by a watermarking method. Format (D) file, Electronic Data Interchange (EDI) file, word processor file including at least one or more such as HWP / DOC, or web text including MHT It is preferred which comprises a file, and so on).

Alternatively, the child-only financial account electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be a child-only financial account received by the financial company server 800 from the terminal device 890. Image content (e.g., the document content is captured on the memory) which captures document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application information. It is preferable to include an image file including the image content generated by capture.

Alternatively, the child-only financial account electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be a child-only financial account received by the financial company server 800 from the terminal device 890. Image content (e.g., the document content is captured on the memory) that captures document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the application information. Watermarking method of the customer information, child information, account name (or bank name) information and transaction type setting information included in the application information for the opening of a child-only financial account in the captured image content) After the inclusion, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial institution server 800 stores the electronic document storage unit 865 in the electronic document D / B 870 in the financial institution server 800 of the terminal device 890. Image content (capture) of document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application for opening a child-only financial account application received from For example, at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the document content generated by capturing the document content on a memory. Or a web document file including the MHT).

Alternatively, the child-only financial account electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be a child-only finance received by the financial institution server 800 from the terminal device 890. Image content (e.g., the document content is captured) that captures document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the account opening application information. Watermarking at least one of customer information, child information, account name (or bank account name) information and transaction type setting information included in the application information for opening a child-only financial account in the image content captured and generated on the A document file including the image content including the watermark and generating the image content including the watermark; rmat) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial institution server 800 stores the electronic document storage unit 865 in the electronic document D / B 870. Image content capturing document contents including at least one of customer information included in the application information for opening a child-specific financial account opening received from 890, child information, account name (or bank account name) information, and transaction type setting information. (E.g., image content generated by capturing the document content on a memory) and a predetermined document file (e.g., a Portable Document Format (PDF) file, or an electronic data interchange (EDI) file) including the application information for opening a child-only financial account. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is.

Alternatively, the child-only financial account electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 may be a child-only financial account received by the financial company server 800 from the terminal device 890. Image content (e.g., the document content is captured on the memory) which captures document content including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application information. Watermarking method of the customer information, child information, account name (or bank name) information and transaction type setting information included in the application information for the opening of a child-only financial account in the captured image content) Generating image contents including a watermark, and including the image contents including the watermarking and the application information for opening a child-only financial account; A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by the electronic document storage unit 865 in association with the child-only financial account electronic document is stored for the child only. It is preferable that a predetermined electronic document unique number (or unique information) assigned to the financial account electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by the electronic document storage unit 865 in association with the child-only financial account electronic document is stored in the electronic document only. Preferably, the financial institution further includes information on a financial institution that transmits the child-only financial account electronic document, which is identified with reference to the financial institution server 800 that transmits the financial account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 800, the electronic document storage unit 865 processes the electronic document for exclusive use of the child's financial account to perform the processing. The electronic document management information stored in the electronic document D / B 870 may include, for example, customer information transmitted by inputting (selecting) the application information for opening a child-only financial account, and / or the received electronic document related information. Financial institution information for transmitting a child-only financial account electronic document, and / or electronic document file format information, and / or application information for opening a child-only financial account.

9 illustrates an implementation in which a storage medium 880 for storing child-only financial account operation information corresponding to a child-only financial account opened in a non-face-to-face manner is provided in a DBMS on a financial system 885 according to one embodiment of the present invention. A diagram illustrating the method.

In more detail, in FIG. 9, the storage medium 880 shown in FIG. 8 is the ledger D / B 875 provided in the DBMS on the financial system 885, or is provided in the ledger D / B 875. In this case, the information structure for an embodiment of the method for storing the child-only financial account operation information is stored in the ledger information provided in the ledger D / B (875), having a general knowledge in the technical field to which the present invention belongs Growing up, it is possible to infer various information construction methods for storing the child-only financial account operation information in the ledger D / B (875) by referring to and / or modifying this figure 9, the present invention is all inferred It includes an implementation method and is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 875 included in the DBMS on the financial system 885 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 8 and at least one information associated with the account ledger are included. If the person has, the ledger D / B 875 provided in the DBMS on the financial system 885 includes at least one ledger (for example, a ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like, and the customer ledger includes ledger information for a minor customer due to the characteristics of the child-only financial account. It is desirable to.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the storage medium 880 is the ledger D / B 875 or the present invention includes an implementation method provided in the ledger D / B 875. At least one of the customer information, the child information, the financial account information, the account name (or bank account name) information and the transaction type information included in the application information for opening a child-only financial account provided through the financial account opening system shown in FIG. It is characterized in that the child-only financial account management information is stored in the form of additional information added to the account ledger.

Referring to FIG. 9, since the child information of the child-only financial account operation information is provided in the customer ledger and the financial account information is provided in the account ledger, the child is provided in the form of additional information of the account ledger. The dedicated financial account operation information may include an account number for linking with the account ledger, customer information for opening the child-only financial account, account name (or bank account name) information, and children (or youth) of the transaction type information. It is preferable to include additional interest rate conditions and additional interest rate information corresponding to the child age information corresponding to the growth stage linked product information, the linked product information and the application of the additional interest rate of the transaction type information.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

Linked product information for each growth stage of the child (or youth) of the transaction type information is linked to the child (or youth) according to the child age information according to the growth stage of the child (or youth) and each child age It is preferable to include the linked product information.

When the linked products are various insurance products according to an embodiment of the present invention, the linked product information for each growth stage of the child (or youth) is predetermined corresponding to the age of the children (or teens) according to a predetermined insurance condition. It is preferably made to include the information to automatically (or free) subscription to the insurance product, and automatically converts the insurance product for each age according to the growth stage of the child (or youth).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

The information on the application of the interest rate of the transaction type information may include an additional interest rate condition to which an additional interest rate is additionally applied to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. Do.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the addition interest rate condition of the application information may be based on a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, birthday). The present invention is not limited thereto, and according to the intention of the person skilled in the art, it is preferable to further include at least one or more of the total deposit amount deposited in the child-only financial account, whether the automatic transfer of the payment amount, the number of automatic reloads, and the like.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to another exemplary embodiment of the present invention, the application for opening a child-only financial account is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Additional information added to the), and / or in addition to the account ledger can be stored in the form of a separate independent ledger, thereby the present invention is not limited.

10 is a storage medium 880 for storing a child-specific financial account operation information corresponding to a child-only financial account opened in a non-face-to-face manner according to another embodiment of the present invention is provided in the DBMS on the financial system 885 Figure is a view showing an implementation method including a database associated with the ledger D / B (875).

In more detail, FIG. 10 illustrates an embodiment in which the storage medium 880 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 875 included in the DBMS on the financial system 885. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 10 and transmit the child-only financial account operation information to a predetermined database in the ledger D / B. It is possible to infer various information configuration methods to be stored in association with 875, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the child-only financial account operation information in the ledger information of the ledger D / B 875 on the DBMS provided on the financial system 885, for example, If the policy does not facilitate changing the ledger D / B 875 of the DBMS, or if the system expansion is not easy due to the nature of the financial system 885), it may be necessary to use a predetermined database instead of the ledger D / B 875. It shows an implementation method for storing the child-only financial account operation information, and the database and the ledger D / B (875) in a cooperative process.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on the financial system 885 as in the embodiment shown in FIG. 10, and according to the intention of the person skilled in the art, the database on the Internet banking system; And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 10, the storage medium 880 includes a database associated with the ledger D / B 875 provided in the DBMS on the financial system 885. Storing the child-only financial account operation information including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account; Characterized in that the child-only financial account management information is preferably made to further include a CIF number corresponding to the ledger information in the child-only financial account management information to be processed in conjunction with the ledger D / B (875).

Referring to FIG. 10, since the child information of the child-only financial account operation information is provided in the customer ledger and the financial account information is provided in the account ledger, the ledger information and the CIF number are linked. The child-only financial account operation information includes an account number to be linked to the account ledger, customer information for opening the child-only financial account, account name (or bank account name) information, and the child (or youth) of the transaction type information. It is preferable to include the additional interest rate information and the interest rate information corresponding to the child age information and the linked product information corresponding to the growth product of the growth stage of the information and the application of the additional interest rate of the transaction type information.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

Linked product information for each growth stage of the child (or youth) of the transaction type information is linked to the child (or youth) according to the child age information according to the growth stage of the child (or youth) and each child age It is preferable to include the linked product information.

When the linked products are various insurance products according to an embodiment of the present invention, the linked product information for each growth stage of the child (or youth) is predetermined corresponding to the age of the children (or teens) according to a predetermined insurance condition. It is preferable to include information to automatically (or free) subscription to the insurance product, and to automatically switch the insurance product for each age according to the growth stage of the child (or youth).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

The information on the application of the interest rate of the transaction type information may include an additional interest rate condition to which an additional interest rate is additionally applied to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. Do.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

11 is a DBMS provided with a banking server 1100 having a storage medium 880 for storing operation information for a child-specific financial account corresponding to a child-only financial account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. A diagram showing an implementation method including a.

More specifically, in Figure 11, the storage medium 880 shown in Figure 8 is a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server 1100, those skilled in the art to which the present invention pertains, at least one banking server ( It is possible to infer a method of constructing information on the operation information for children-only financial account stored in a predetermined DBMS provided in 1100, but the present invention includes all the implementation methods inferred, the embodiment shown in FIG. It is not limited to the method alone.

According to another exemplary embodiment of the present invention, referring to FIG. 11 in which the storage medium 880 includes a DBMS provided in the banking server 1100, a predetermined DBMS provided in the banking server 1100 may be provided. Storing the child-only financial account operation information including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information and the transaction type information included in the application for opening the child-only financial account. It is characterized by.

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 8, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period Each time after-tax principle is automatically re-deposited in the same period as the previous contract period, the automatic re-deposit date may include automatic re-deposit information that corresponds to the date after each contract period after the contract date.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, Or a CIF (Customer Information File) number or the like).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

Linked product information for each growth stage of the child (or youth) of the transaction type information is linked to the child (or youth) according to the child age information according to the growth stage of the child (or youth) and each child age It is preferable to include the linked product information.

When the linked products are various insurance products according to an embodiment of the present invention, the linked product information for each growth stage of the child (or youth) is predetermined corresponding to the age of the children (or teens) according to a predetermined insurance condition. It is preferably made to include the information to automatically (or free) subscription to the insurance product, and automatically converts the insurance product for each age according to the growth stage of the child (or youth).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, If the child (or adolescent) grows up and takes the middle school before or after taking the road safety insurance ", the" recommended school safety insurance "can be automatically converted into a predetermined" school violence security insurance ". have.

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

The information on the application of the interest rate of the transaction type information may include an additional interest rate condition to which an additional interest rate is additionally applied to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. Do.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

12A and 12B illustrate a process for opening a child-only financial account for opening a child-only financial account in a non-face-to-face manner according to one embodiment of the present invention.

12A and 12B show a web in which a terminal device 890 on the financial account opening system shown in FIG. 8 is a client terminal, and the financial institution server 800 is accessible to a client terminal through a predetermined network means. In the case of having a server function, a predetermined customer opens a child-only financial account for opening a child (or youth) -only financial account, through the client terminal, customer information, child information, and account name (or bank name). When providing application information for opening a child-only financial account including at least one information and transaction type setting information, the customer account information, child information, account name (or bank name) information, and transaction type setting information may be provided in the financial account opening system. The child (or agency) based on the application information for opening a child-only financial account that includes at least one or more; The present invention relates to an implementation method of opening a dedicated financial account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b so that the financial institution server ( Although it is possible to infer various implementation methods for registering the application information for opening a child-only financial account at 800, the present invention includes all the implementation methods inferred, and is limited to the implementation methods shown in FIGS. 12A and 12B. Not.

For example, the implementation method illustrated in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the application information for opening a child-only financial account and storing the electronic document in an electronic document storage. It may be omitted depending on the intention, thereby not limiting the present invention.

12A and 12B further illustrate that a web page provided by the financial institution server 800 provides a user interface for the client terminal to input (or select) the application information for opening a child-only financial account. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, thereby the present invention is not limited.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The customer information, child information, account name (or bank account name) information, and transaction type setting information transmitted to the financial company server 800 are referred to as "child-only financial account opening application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the child (Or youth) When a web page including a user interface for opening a dedicated financial account is requested (1200), in response, the server sets the customer information, child information, account name (or bank name) information and transaction type. And a user interface for inputting (or selecting) application information for opening a child-only financial account including at least one information and transmitting the same to the server. A web page is generated (or extracted) (1205), and the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1210).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering application information for opening a child-only financial account. This is not limited.

Subsequently, the terminal inputs application information for opening a child-only financial account including at least one or more customer information, child information, account name (or bank name) information, and transaction type setting information through a user interface included in the web page (or (1215).

If the terminal inputs (or selects) the application information for opening a child-only financial account including the customer information, the child information, the account name (or bank account name) information, and transaction type setting information through the user interface (1220), The terminal transmits the input (or selected) customer information, child information, account name (or bank name) information and transaction type setting information to the server through the communication channel (1225).

According to an embodiment of the present invention, the terminal includes the customer information, child information, account name (or bank account name) information, and transaction type setting information including at least one child-only financial account opening application information in the server on the child. The network further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the application information for opening a dedicated financial account. It is preferred to transmit to the server via means.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method for application for opening a child-only financial account including at least one of the customer information, child information, account name (or bank account name) information, and transaction type setting information. (E.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or open the child-only financial account. Preferably, a predetermined electronic signature is attached to the application information and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one or more encryption signatures. Have a predetermined certificate containing an encryption key, and / or the certificate It is preferred that the case, equipped with the IC chip card reader to make sure the certificate provided in (or IC card) is provided in a predetermined IC chip (or IC card).

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method for application for opening a child-only financial account including at least one of the customer information, child information, account name (or bank account name) information, and transaction type setting information. (E.g., a symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method) to be transmitted to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is Authorized person provided in the IC chip (or IC card) when provided in a predetermined IC chip (or IC card) It is equipped with a card reader for identifying the document is preferred.

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the application information for opening a child-only financial account and a predetermined electronic signature are attached to the application information for opening a child-only financial account. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the child information, the account name (or bank account name) information, and the transaction type setting information through the communication channel to confirm the validity of the application information for opening a child-only financial account ( 1230).

According to an embodiment of the present invention, the child-only financial account opening application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme) corresponding to the encryption scheme for the encrypted child-only financial account opening application information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), thereby validating the received child-only financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the application information for opening a child-only financial account, the server verifies the electronic signature attached to the application information for opening a child-only financial account, thereby receiving the received child-only financial account opening application information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted child-only financial account opening application information, and the electronic attachment to the child-only financial account opening application information. Since you will be familiar with the technical features of verifying signatures, a detailed description thereof will be omitted for convenience.

When the child-only financial account opening application information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the child-only financial account opening application information, The server authenticates the validity of the received child-only financial account opening application information by comparing and authenticating the received password included in the child-only financial account opening application information and the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the child-only financial account opening application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the child-only financial account opening application information, the server may include: The validity of the received child-only financial account opening application information is verified by comparing and authenticating the received security card information included in the child-only financial account opening application information with the security card information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

Alternatively, when the child-only financial account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the child-only financial account opening application information, the server may be configured. By comparing and authenticating the received OTP code included in the application information for opening a child-only financial account with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received child-only financial account It is desirable to verify the validity of the application information.

According to the method of the present invention, the validation of the application information for opening a dedicated child financial account is requested to open the child-only financial account in the ledger D / B 875 on the financial system 885 associated with the financial account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the verification of the validity of the application information for opening a child-only financial account is performed by using a financial system in which customer information (customer personal information, member information, etc.) included in the child-only financial account opening application information is linked to the financial account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B (875) on 885.

In addition, the verification of the validity of the application information for opening a child-only financial account includes checking whether the child information included in the application information for opening a child-only financial account is 19 years or younger for opening the child-only financial account. It is preferable to make.

In addition, the verification of the validity of the application information for opening a child-only financial account checks whether the account name (or bank account name) information included in the child-only financial account opening application information meets the account name (or bank account name) character limit. It is preferable to include at least one thing to do.

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account is linked to the growth information of the child (or youth) of the transaction type setting information included in the application information for opening the exclusive use of the child-only financial account to the child-only financial account. It is desirable to include at least one or more checks to meet the growth stage age conditions of the child (or adolescent).

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account includes the addition interest rate condition included in the addition rate application information among the transaction type setting information included in the application for opening the exclusive use of the child-only financial account. It is preferable to include at least one or more to check whether the conditions are met.

If the validity of the application information for opening a child-only financial account is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits the webpage to the terminal (1240). Do not open an account.

On the other hand, if the validity of the child-only financial account opening application information is authenticated (1235), the server includes at least one customer information including the child-only financial account opening application information, child information and account name (or bank account name) information. And generate predetermined document content including transaction type setting information (1245), and generate a predetermined child-only financial account electronic document including the document content (1250).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. A word processor file that generates document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document file including MHT) is preferably processed as a child-only financial account electronic document for opening the child (or youth) -only financial account.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. After the watermarking method includes customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application content for the application for opening a child-only financial account, the document content is included in the watermarking method. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing document content including watermarking, or an MHT. E-documents for children's financial accounts, such as web document files, etc. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. A child-only financial account electronic document for opening a child-only financial account for an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. Customer information, child information, and account name (or account name) included in the application information for opening a child-only financial account is included in image content (eg, image content generated by capturing the document content on a memory). ) A child who includes at least one of information and transaction type setting information in a watermarking manner, and then opens an image file containing the watermarked image content including the watermarking method. It is desirable to treat it as a dedicated financial account electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one customer information, child information, account name (or bank name) information and transaction type setting information included in the received child-only financial account opening application information. A predetermined document file (eg, Portable Document Format (PDF)) including an image content (eg, image content generated by capturing the document content on a memory) by generating document content, and capturing the document content. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process electronic documents for children only.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. Customer information, child information, and account name (or account name) included in the application information for opening a child-only financial account is included in image content (eg, image content generated by capturing the document content on a memory). ) A document file including at least one of information and transaction type setting information by a watermarking method, and a document file including image content including the watermarking (eg, Portable Document Format (PDF)). Word that includes at least one file, an electronic data interchange (EDI) file, or HWP / DOC By creating a processor files, or web files such as documents) that includes the MHT, it is desirable to treat the child as a private banking account electronic documents for opening a private banking account, the child (or youth).

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. A predetermined document including document content including an image content (eg, image content generated by capturing the document content on a memory) and the child-only financial account opening request information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the child-only financial account electronic document that opens the child (or youth) -only financial account.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. Customer information, child information, and account name (or account name) included in the application information for opening a child-only financial account is included in image content (eg, image content generated by capturing the document content on a memory). A document file including image information including at least one of information and transaction type setting information by a watermarking method, the image content including the watermarking, and application information for opening a child-only financial account; (E.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or H By generating a word processor file including at least one of WP / DOC, or a web document file including MHT, etc., to process the child-only financial account electronic document to open the child (or youth) -only financial account. desirable.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a child-only financial account electronic document in an image file format and / or a predetermined document file format, and the child-only financial account electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated child-only financial account electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated child-only financial account electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server sends the generated child-only financial account electronic document to an electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 870, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the child-only financial account electronic document in the electronic document repository is illustrated in FIG. 8 by linking the generated child-only financial account electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (870).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the child-only financial account electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information for transmitting the child-only financial account electronic document.

In addition, the electronic document management information is a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the application information for opening a child-only financial account, and / or a finance for transmitting the child-only financial account electronic document). Institution information, and / or electronic document file format information, and / or application information for opening a child-only financial account).

If the electronic dedicated financial account electronic document is stored in the electronic document repository (1260), the server includes the customer information, child information, account name (or bank name) information contained in the application information for opening the dedicated child financial account; The financial account information is generated based on the transaction type setting information (1265).

Here, the financial account information is information corresponding to the child-only financial account opened based on the application information for opening a child-only financial account, including an account number for the child-only financial account, the child-only financial Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

Thereafter, the server is linked with the financial system 885 based on the customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application for opening a child-only financial account. A financial account under the customer's name including account information is opened (1270).

According to the implementation method of the present invention, the server generates a customer ledger including customer information included in the application information for opening a child-only financial account in connection with the financial system 885 (or is matched with the customer information and is provided with the pre-existing information). Open the child-only financial account by generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. And in response to the application information, a predetermined financial account for opening a children's (or youth) -only financial account is opened.

According to an embodiment of the present invention, when the server and the financial system 885 exist in the same system, the server transmits the financial account information to the ledger D / B 875 in association with the financial system 885. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 885 exist on another system connected through a predetermined communication means, the server is connected to the financial system 885 through a predetermined communication means. It is preferable to request the general ledger D / B 875 on the other financial system 885 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server operates a child-only financial account including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account. The information is generated and stored in the predetermined storage medium 880 (1275).

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 8, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate adds an additional interest rate to the amount paid within five days after various holidays and an anniversary, and adds an interest rate of 0.1% to the amount paid within five days after the holidays and an anniversary. May include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to an exemplary embodiment of the present invention, when the storage medium 880 is provided in the server or on a network associated with the server, the server includes the received child-only financial account opening application information. Preferably, the storage medium 880 stores child-only financial account operation information including at least one of customer information, child information, financial account information, account name (or bank account name) information, and transaction type information.

According to another exemplary embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the server includes the customer information included in the received application for opening a child-only financial account. And financial information by providing the information system for children through the external system on the financial system 885 including child information, financial account information, account name (or bank account name) information and transaction type information. It is desirable to store in the DBMS provided on the 888.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the child-only financial account, and / or the history of storing the child-only financial account electronic document in the electronic document repository, and / or the storage medium ( In step 880, the mobile terminal generates (or extracts) the details of storing the application information for opening the child-only financial account and transmits the generated information to the terminal (1280).

According to one embodiment of the invention, the storage medium 880 is preferably provided in a DBMS on a financial system 885 provided on the financial account opening system (or associated with the financial account opening system), In this case, the storage medium 880 may be a ledger D / B 875 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 875. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 880 is provided on (or associated with) the bank account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a process for opening a child-only financial account for opening a child (or youth) -only financial account according to one embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case in which the financial account opening system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 8). In the case where the financial institution server 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits application information for opening a child-only financial account to the internet banking server in order to open a child-only financial account for opening the child (or adolescent) -only financial account, the Internet banking server transmits the application information. At least one of customer information, child information, account name (or bank account name) information and transaction type setting information Based on the application information for opening a child-only financial account to an implementation method for opening the child (or adolescent) -only financial account, if you have a general knowledge in the technical field to which the present invention belongs, this figure 13a and 13b Although various implementation methods for registering the application information for opening a child-only financial account can be inferred through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawing 13c, the present invention provides a method for implementing all the inference methods. In addition, the present invention is not limited to the embodiment shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an Internet banking-based financial transaction channel for registering a child-only financial account opening application information registration between the client terminal and the Internet banking server based on the browser program is shown, it is common knowledge in the technical field to which the present invention pertains. In the case of a person having the above, the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13A, 13B, and 13C is referred to and / or modified based on a predetermined Internet banking program mounted on the client terminal. With the client terminal Although it is possible to infer a method of connecting an Internet banking-based financial transaction channel for registering a child-only financial account opening application information between the net banking servers, the present invention provides an internet banking-based financial service provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face, channel-based financial transactions channels for registration of application information for opening a child-only financial account. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking system. The configuration is by no means limited to the case of the Internet banking shown in FIGS. 13A, 13B, and 13C. .

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is a method of attaching a predetermined digital signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server and / or at least one or more encryption schemes. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and also from the terminal to the server for registration of application information for opening a child-only financial account. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering the application information for opening a child-only financial account in the terminal. Attach certain electronic signatures to information (or data) to be provided by If at least one encryption method (and / or encryption algorithm) is encrypted and transmitted, the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined child-only financial account opening application information for opening a child-only financial account for the server.

Subsequently, when the terminal requests a web page including a user interface for opening the child (or youth) -only financial account to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly A web including a user interface for inputting (or selecting) child-only financial account opening application information including at least one of information, child information, account name (or bank account name) information, and transaction type setting information; A page is generated (or extracted) (1305b), and a web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page inputs application information for opening a child-only financial account including at least one of customer information, child information, account name (or bank account name) information, and transaction type setting information in the terminal ( Or optional user interface), and / or predetermined password and / or security card information (or security card information) to verify the validity of the Internet banking customer requesting to register the application for opening a child-only financial account. For example, the security card information printed on the security card issued to the customer during the internet banking application process and / or one time password (OTP) (for example, after the internet banking application process (or after the internet banking application) is provided to the customer by the financial institution. User entering an OTP authenticator (or one-time password generated by the OTP authenticator) It further includes an interface is preferred.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the registration information registration procedure for opening a child-only financial account, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) application information for opening a child-only financial account that includes at least one of the customer information, child information, account name (or bank name) information, and transaction type setting information through the financial account opening interface. (1315b).

If the terminal inputs (or selects) the application information for opening a child-only financial account including the customer information, the child information, the account name (or bank account name) information, and transaction type setting information through the user interface (1320b), The terminal transmits the application information for opening a child-only financial account opened (or selected) to the server through the financial transaction channel (1325b).

According to an embodiment of the present invention, the terminal includes the customer information, child information, account name (or bank account name) information, and transaction type setting information including at least one child-only financial account opening application information in the server on the child. The network further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the application information for opening a dedicated financial account. It is preferred to transmit to the server via means.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method for application for opening a child-only financial account including at least one of the customer information, child information, account name (or bank account name) information, and transaction type setting information. (E.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or open the child-only financial account. Preferably, a predetermined electronic signature is attached to the application information and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one or more encryption signatures. Have a predetermined certificate containing an encryption key, and / or the certificate It is preferred that the case, equipped with the IC chip card reader to make sure the certificate provided in (or IC card) is provided in a predetermined IC chip (or IC card).

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method for application for opening a child-only financial account including at least one of the customer information, child information, account name (or bank account name) information, and transaction type setting information. (E.g., a symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method) to be transmitted to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is Authorized person provided in the IC chip (or IC card) when provided in a predetermined IC chip (or IC card) It is equipped with a card reader for identifying the document is preferred.

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the application information for opening a child-only financial account and a predetermined electronic signature are attached to the application information for opening a child-only financial account. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the child-only financial account opening application information through the financial transaction channel to confirm the validity of the child-only financial account opening application information (1330b).

According to an embodiment of the present invention, the child-only financial account opening application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme) corresponding to the encryption scheme for the encrypted child-only financial account opening application information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), thereby validating the received child-only financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the application information for opening a child-only financial account, the server verifies the electronic signature attached to the application information for opening a child-only financial account, thereby receiving the received child-only financial account opening application information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted child-only financial account opening application information, and the electronic attachment to the child-only financial account opening application information. Since you will be familiar with the technical features of verifying signatures, a detailed description thereof will be omitted for convenience.

When the child-only financial account opening application information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the child-only financial account opening application information, The server authenticates the validity of the received child-only financial account opening application information by comparing and authenticating the received password included in the child-only financial account opening application information and the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the child-only financial account opening application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the child-only financial account opening application information, the server may include: The validity of the received child-only financial account opening application information is verified by comparing and authenticating the received security card information included in the child-only financial account opening application information with the security card information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

Alternatively, when the child-only financial account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the child-only financial account opening application information, the server may be configured. By comparing and authenticating the received OTP code included in the application information for opening a child-only financial account with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received child-only financial account It is desirable to verify the validity of the application information.

According to the method of the present invention, the validation of the application information for opening a dedicated child financial account is requested to open the child-only financial account in the ledger D / B 875 on the financial system 885 associated with the financial account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the verification of the validity of the application information for opening a child-only financial account is performed by using a financial system in which customer information (customer personal information, member information, etc.) included in the child-only financial account opening application information is linked to the financial account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B (875) on 885.

In addition, the verification of the validity of the application information for opening a child-only financial account includes checking whether the child information included in the application information for opening a child-only financial account is 19 years or younger for opening the child-only financial account. It is preferable to make.

In addition, the verification of the validity of the application information for opening a child-only financial account checks whether the account name (or bank account name) information included in the child-only financial account opening application information meets the account name (or bank account name) character limit. It is preferable to include at least one thing to do.

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account is linked to the growth information of the child (or youth) of the transaction type setting information included in the application information for opening the exclusive use of the child-only financial account to the child-only financial account. It is desirable to include at least one or more checks to meet the growth stage age conditions of the child (or adolescent).

In addition, the verification of the validity of the application information for opening the exclusive use of the child-only financial account includes the addition interest rate condition included in the addition rate application information among the transaction type setting information included in the application for opening the exclusive use of the child-only financial account. It is preferable to include at least one or more to check whether the conditions are met.

If the validity of the application information for opening a child-only financial account is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits the webpage to the terminal (1340b). Do not open an account.

On the other hand, if the validity of the child-only financial account opening application information is authenticated (1335b), the server includes at least one or more customer information including the child-only financial account opening application information, child information and account name (or bank name) information. And generate predetermined document content including transaction type setting information (1345b), and generate a predetermined child-only financial account electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. A word processor file that generates document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document file including MHT) is preferably processed as a child-only financial account electronic document for opening the child (or youth) -only financial account.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. After the watermarking method includes customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application content for the application for opening a child-only financial account, the document content is included in the watermarking method. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing document content including watermarking, or an MHT. E-documents for children's financial accounts, such as web document files, etc. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. A child-only financial account electronic document for opening a child-only financial account for an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. Customer information, child information, and account name (or account name) included in the application information for opening a child-only financial account is included in image content (eg, image content generated by capturing the document content on a memory). ) A child who includes at least one of information and transaction type setting information in a watermarking manner, and then opens an image file containing the watermarked image content including the watermarking method. It is desirable to treat it as a dedicated financial account electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one customer information, child information, account name (or bank name) information and transaction type setting information included in the received child-only financial account opening application information. A predetermined document file (eg, Portable Document Format (PDF)) including an image content (eg, image content generated by capturing the document content on a memory) by generating document content, and capturing the document content. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process electronic documents for children only.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. Customer information, child information, and account name (or account name) included in the application information for opening a child-only financial account is included in image content (eg, image content generated by capturing the document content on a memory). ) A document file including at least one of information and transaction type setting information by a watermarking method, and a document file including image content including the watermarking (eg, Portable Document Format (PDF)). Word that includes at least one file, an electronic data interchange (EDI) file, or HWP / DOC By creating a processor files, or web files such as documents) that includes the MHT, it is desirable to treat the child as a private banking account electronic documents for opening a private banking account, the child (or youth).

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. A predetermined document including document content including an image content (eg, image content generated by capturing the document content on a memory) and the child-only financial account opening request information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the child-only financial account electronic document that opens the child (or youth) -only financial account.

Alternatively, the server generates document content including at least one of customer information, child information, account name (or bank name) information, and transaction type setting information included in the received child-only financial account opening application information. Customer information, child information, and account name (or account name) included in the application information for opening a child-only financial account is included in image content (eg, image content generated by capturing the document content on a memory). A document file including image information including at least one of information and transaction type setting information by a watermarking method, the image content including the watermarking, and application information for opening a child-only financial account; (E.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or H By generating a word processor file including at least one of WP / DOC, or a web document file including MHT, etc., to process the child-only financial account electronic document to open the child (or youth) -only financial account. desirable.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a child-only financial account electronic document in an image file format and / or a predetermined document file format, and the child-only financial account electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated child-only financial account electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated child-only financial account electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server sends the generated child-only financial account electronic document to an electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 870, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the child-only financial account electronic document in the electronic document repository is illustrated in FIG. 8 by linking the generated child-only financial account electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (870).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the child-only financial account electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information for transmitting the child-only financial account electronic document.

In addition, the electronic document management information is a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the application information for opening a child-only financial account, and / or a finance for transmitting the child-only financial account electronic document). Institution information, and / or electronic document file format information, and / or application information for opening a child-only financial account).

If the electronic dedicated financial account electronic document is stored in the electronic document repository (1360c), the server includes the customer information, child information, account name (or bank name) information included in the application information for opening a dedicated child financial account; The financial account information is generated based on the transaction type setting information (1365c).

Here, the financial account information is information corresponding to the child-only financial account opened based on the application information for opening a child-only financial account, including an account number for the child-only financial account, the child-only financial Savings method information including at least one contract period information, payment frequency information, payment date and time information, payment amount information, etc., and saving limit information including the payment amount limit for each payment for the child-only financial account. And automatic re-deposit information (or automatic re-exclusion reason information) for the child-only financial account, interest rate determination date information, and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

Thereafter, the server is linked with the financial system 885 based on the customer information, child information, account name (or bank account name) information, and transaction type setting information included in the application for opening a child-only financial account. A financial account under the customer's name including account information is opened (1370c).

According to the implementation method of the present invention, the server generates a customer ledger including customer information included in the application information for opening a child-only financial account in connection with the financial system 885 (or is matched with the customer information and is provided with the pre-existing information). Open the child-only financial account by generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. And in response to the application information, a predetermined financial account for opening a children's (or youth) -only financial account is opened.

According to an embodiment of the present invention, when the server and the financial system 885 exist in the same system, the server transmits the financial account information to the ledger D / B 875 in association with the financial system 885. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 885 exist on another system connected through a predetermined communication means, the server is connected to the financial system 885 through a predetermined communication means. It is preferable to request the general ledger D / B 875 on the other financial system 885 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server operates a child-only financial account including at least one of the customer information, the child information, the financial account information, the account name (or the bank account name) information, and the transaction type information included in the application for opening the child-only financial account. The information is generated and stored in the predetermined storage medium 880 (1375c).

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' member information (e.g., in a customer ledger provided on the financial system 885 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 8, including an account number for the child-only financial account, and the child-only financial account. Saving method information including at least one of contract period information, payment count information, payment date and time information, payment amount information, and saving limit information including payment amount limit amounts for each payment for the child-only financial account; It is preferable that the automatic re-deposit information (or the reason for the automatic re-exclusion exclusion information), the interest rate decision date information and the interest rate application information for the child-only financial account is further included.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be made, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with the manager, various travel products in connection with a predetermined travel agency, education products in connection with a predetermined educational institution (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate adds an additional interest rate to the amount paid within five days after various holidays and an anniversary, and adds an interest rate of 0.1% to the amount paid within five days after the holidays and an anniversary. May include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. Information, academic achievement information, etc. may be further included, and the addition rate may be applied to the amount paid within five days after the publication date of the test result.

According to an exemplary embodiment of the present invention, when the storage medium 880 is provided in the server or on a network associated with the server, the server includes the received child-only financial account opening application information. Preferably, the storage medium 880 stores child-only financial account operation information including at least one of customer information, child information, financial account information, account name (or bank account name) information, and transaction type information.

According to another exemplary embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the server includes the customer information included in the received application for opening a child-only financial account. And financial information by providing the information system for children through the external system on the financial system 885 including child information, financial account information, account name (or bank account name) information and transaction type information. It is desirable to store in the DBMS provided on the 888.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the child-only financial account, and / or the history of storing the child-only financial account electronic document in the electronic document repository, and / or the storage medium ( In step 880, the mobile terminal generates (or extracts) the details of storing the application information for opening the child-only financial account and transmits the generated information to the terminal (1380c).

According to one embodiment of the invention, the storage medium 880 is preferably provided in a DBMS on a financial system 885 provided on the financial account opening system (or associated with the financial account opening system), In this case, the storage medium 880 may be a ledger D / B 875 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 875. Thereby, the present invention is not limited.

According to another method of the present invention, the storage medium 880 is provided on (or associated with) the bank account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a financial account operating system for operating a child (or youth) -only financial account in accordance with an embodiment of the present invention.

In more detail, FIG. 14 operates a child-only financial account opened through the financial account opening system shown in FIGS. 1 and / or 8 based on the child-only financial account operation information stored in the storage medium 1440. As a configuration of a system for operating the child-only financial account to provide benefits, such as linked products (or services) and additional interest rates according to the growth stage of the child (or youth), the general knowledge in the technical field to which the present invention belongs If the person having the present invention can refer to and / or modify this drawing 14, it is possible to infer various implementation methods for the financial account operating system for operating the child (or youth) dedicated financial account, but the present invention is all inferred It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 14 according to an embodiment of the present invention, the financial account operating system may include a bank having a ledger corresponding to a child-only financial account opened through the financial account opening system shown in FIGS. 1 and / or 8. A storage medium 1440 that stores child-only financial account operation information including at least one of customer information, child information, financial account information, account name (or bank account name) information and transaction type information; In accordance with the growth stage of the child (or youth) by operating the child-only financial account in connection with the financial system 1450, periodically check the child-only financial account operation information stored in the storage medium (1440) It is provided with a financial account management server 1400 that operates the child-only financial account to provide benefits such as linked products (or services) and additional interest rates. Characterized in that eojineun.

Here, the storage medium 1440 is provided in the ledger D / B on the financial system 1450, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person, or at least one banking Anything that can be provided on the system is possible, whereby the present invention is not limited.

In addition, the financial account management server 1400 is a ledger server provided in the financial system 1450, or a financial company server on the financial account opening system shown in FIGS. 1 and / or 8, or FIG. And / or various banking servers (eg, an internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) operating the child-only financial account in connection with the financial system 1450 shown in FIG. ) Or a separate server provided to operate the child-only financial account to provide benefits such as linked products (or services) and additional interest rates according to the growth stage of the child (or adolescent). The present invention is not limited.

In addition, in FIG. 14, the financial account management server 1400 functions to operate the child-only financial account in connection with the financial system 1450, and the child-only financial account stored in the storage medium 1440. The information is periodically checked to include all the functional configurations for operating the child-only financial account to provide benefits such as linked products (or services) and additional interest rates according to the growth stage of the child (or youth). By the way, the present invention is not limited thereto, and it will be apparent that the financial account management server 1400 may be made through a separate server (or device) for each functional configuration.

The financial system 1450 is a general term for a computer system including a ledger corresponding to the child-only financial account opened through the financial account opening system shown in FIGS. 1 and / or 8. At least one window terminal provided at a branch (and / or a branch of the branch office) and a predetermined financial network (for example, a branch network), and face to face at least one financial transaction customer through the window terminal. Provide financial transaction services.

In addition, the financial system 1450 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 1450 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 1450 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 1450 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 1450 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 1450 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 1450 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server, The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 14, the financial system 1450 is provided with a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), and an information system for processing a headquarters business and supporting branch information and customer information management. And interconnection between the financial system 1450 and at least one other financial system 1450 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Banking, Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to 1450 and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 1450 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 1450, and predetermined information required for performing respective functions in components in the financial system 1450. And a DBMS (DataBase Management System) including at least one database for storing and managing (eg, ledger information, and / or customer information, and / or management information).

In addition, the financial system 1450 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 1450 and the purpose of the financial system 1450. And according to the features, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 1450, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 1450 may be configured by the financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 1450. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational manner, and / or the predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The storage medium 1440 stores at least the customer information, child information, financial account information, account name (or bank name) information and transaction type information through the financial account opening system shown in FIGS. 1 and / or 8. As a generic term for storage means for storing information for operating a child-only financial account that includes one or more, the storage medium 1440 is provided in the ledger D / B on the financial system 1450, or the ledger D according to the intention of those skilled in the art. It may be provided in a predetermined database associated with / B, or on at least one banking system.

The customer information is information corresponding to a financial transaction customer requesting to open the child-only financial account, and includes information corresponding to a parent (or parental authority) or a legal representative of the child (or youth), or the child ( Or adolescents) It is preferable to include information corresponding to the person.

According to an embodiment of the present invention, personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a financial transaction customer requesting to open the child-only financial account, and the member information of the customer (E.g., member ID information provided in a customer ledger provided on the financial system 1450 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or And CIF (Customer Information File (CIF) number).

In addition, when a predetermined amount is automatically transferred and paid to the child-only financial account periodically, the customer information may further include customer account information for periodically transferring the amount to the child-only financial account. Do.

The child information is the name information of the child-only financial account, personal information (for example, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of children less than 19 years old, and the child ( Or adolescents' membership information (eg, in the customer ledger provided on the financial system 1450 associated with the financial account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The financial account information is information corresponding to the child-only financial account opened through the financial account opening system shown in FIGS. 1 and / or 8, and includes an account number for the child-only financial account. Saving method information including at least one or more of the contract period information, payment frequency information, payment date and time information, payment amount information, etc. for the child-only financial account, and the payment amount limit for each paying session for the child-only financial account. It is preferable that the saving limit information, the automatic re-deposit information (or automatic re-exception reason information) for the child-only financial account, interest rate determination date information and interest rate application information.

For example, the saving limit information is the new initial savings amount and the re-deposit principle is not limited to the saving limit, and after the second round, it is possible to save within 10 million won, and after three quarters of the contract period, the previous savings balance It may include a limit amount information so that you can not save more than 1/2 of.

In addition, the automatic re-deposit information may be re-deposited from the initial contract date until the child (or youth) until the age of 19 (eg, up to 18 years) due to the nature of the child-only financial account, the expiration date of each contract period After each tax, the principal is automatically re-deposited in the same period as the previous contract period, and the automatic re-deposit date may include automatic re-deposit information that corresponds to the day after the contract period.

In addition, the reason for the automatic re-exclusion reason information is the nature of the child-only financial account, when the age of the subscription customer (= children, youth) at the time of the re-depositment, or the remaining period of re-depositable is the contract period If less than this can be achieved, including.

In addition, the interest rate determination date information may be determined based on the date of registration and every re-deposit, and the application of the interest rate may include an interest rate for each deposit period based on the interest rate determination date.

The account name (or bank account name) information is information for giving an individual name (or alias) to the child-only financial account (or bank account), and the account name (or bank account name) corresponds to a ledger corresponding to the child-only financial account. It is preferred to be printed on or printed on a bankbook issued to the child (or youth).

For example, if the name of the child (or youth) is "Hong Gil Dong", the account name (or bank account name) "Let's be a big person!" The account name may be named, and the account name (or bank name) may be set in various ways according to the intention of the customer.

In addition to the financial account information, the transaction type information may include at least one or more linked product information for each growth stage of a child (or adolescent) and various application rate-added information corresponding to the characteristics of the child-only financial account.

According to the method of the present invention, the linked product information for each growth stage of the child (or adolescent) is automatically (or free) to a predetermined insurance product corresponding to the age of the child (or adolescent) according to a predetermined insurance subscription condition. It is preferable to include information to subscribe to, and automatically switch the insurance product for each age according to the growth stage of the child (or adolescent).

For example, if the balance (or initial payment) at the time when the child (or youth) opens the child-only financial account is 100,000 won or more, and the age of the child (or youth) is before or after elementary school, When the child (or adolescent) grows up and takes a junior high school before and after taking the road safety insurance ", and the child (or adolescent) is taken before and after the middle school, the" commission to school security insurance "can be automatically converted to a predetermined" school violence security insurance " .

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with a manager, various travel products in connection with a predetermined travel agency, educational products in connection with a predetermined educational institution (or academy), and for this purpose, the financial account management server ( 1400 is preferably processed in connection with a server provided in various securities companies, fund managers, travel agencies, educational institutions (or academy).

According to an exemplary embodiment of the present invention, the information on the application of the interest rate may include an additional interest rate condition for applying an additional interest rate in addition to a standard interest rate according to the characteristics of the child-only financial account, and additional interest rate information corresponding to the additional interest rate condition. It is preferable to make.

For example, a child (or adolescent) who opens a child-only financial account may receive more allowance than usual for various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Correspondingly, the information on the application of the additional interest rate is an additional interest condition for applying the additional interest rate to the amount paid within five days after various holidays and an anniversary, and an interest rate of 0.1% is added to the amount paid within five days after the holidays and an anniversary. It may include additional interest rate information.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. It may be made to include information, academic achievement information, and the like, the addition rate may be applied to the amount paid within five days after the test result announcement date, for this purpose, the financial account management server 1400 is a variety of educational institutions (or It is preferable to be processed in conjunction with a server provided in an authorized test organization.

Referring to FIG. 14, the financial account operation server 1400 may include at least one client terminal 1445 for operating a child-only financial account opened through the financial account opening system illustrated in FIGS. 1 and / or 8. ) And an interface unit 1415 connecting a communication channel for operating the child-only financial account, and a predetermined financial account for operating the child-only financial account from the client terminal 1445 in connection with the interface unit 1415. And an information receiving unit 1420 for receiving usage information, and a financial account operating unit 1405 for operating the child-only financial account in connection with the financial system 1450 based on the received financial account using information. The financial account operating unit 1405 is composed of at least two or more functional components (or means) according to the intention of the person skilled in the art. This is possible, and the present invention is not limited thereby.

According to an embodiment of the present invention, when the customer terminal 1445 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1415 may be configured based on the protocol stack defined in the communication network. Connect the employee terminal with a predetermined communication channel, and transmit and receive at least one information (or data) for operating the employee terminal and the child-only financial account using a communication protocol defined in the financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another exemplary embodiment of the present invention, when the customer terminal 1445 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1415 is based on the protocol stack defined in the wired communication network. At least one or more information for connecting the terminal 1445 with a predetermined communication channel and operating the wired terminal and the child-only financial account using a communication protocol defined in a financial transaction program included in the customer terminal 1445 ( Or a communication interface for transmitting and receiving data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1445, the interface unit 1415 may be connected to the client terminal 1445 based on the TCP / IP protocol. A predetermined web page (e.g., a Hyper-Text Markup Language (HTML) compatible web page) and / or information (or HTML) for connecting the communication channel and operating the child-only financial account using the HTPP protocol defined in the browser program. Communication interface for transmitting and receiving data).

Or, if the customer terminal 1445 is provided with a predetermined financial transaction program directly interworking with the financial account management server 1400, the interface unit 1415 is based on the TCP / IP protocol to the customer terminal ( 1445) and a communication interface for transmitting and receiving information (or data) for operating the child-only financial account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 1445 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1415 is based on the protocol stack defined in the wireless communication network. At least one or more information (or data) for operating the child-only financial account using a communication protocol defined in a financial transaction program included in the customer terminal 1445 and connecting a predetermined communication channel with the customer terminal 1445. It is desirable to provide a communication interface for transmitting and receiving.

For example, when the client terminal 1445 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1415 is based on the CDMA / WCDMA protocol. Connecting a communication channel with a customer terminal 1445 and using a WAP / ME protocol defined in the browser program, a predetermined web page (eg, a WML (Wireless Markup Language) compatible web page, Or an HTML compatible web page) and / or an information (or data) interface.

Or, if the customer terminal 1445 is provided with a predetermined financial transaction program directly interworking with the financial account management server 1400, the interface unit 1415 is based on the CDMA / WCDMA protocol to the customer terminal ( 1445) and a communication interface for transmitting and receiving information (or data) for operating the child-only financial account using a communication protocol defined in the financial transaction program.

The information receiving unit 1420 receives the predetermined financial account usage information for operating the child-only financial account from the client terminal 1445 in connection with the interface unit 1415, wherein the received financial account The usage information is provided to the financial account manager 1405.

The financial account manager 1405 may perform various financial transaction procedures for the child-only financial account in connection with the financial system 1450 based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the child-only financial account, the finance It is preferable that the account manager 1405 performs a deposit transaction procedure for the child-only financial account in connection with the financial system 1450 based on the financial account usage information. It is desirable to record in the ledger corresponding to the account.

According to another embodiment of the present invention, withdrawal transaction request information (for example, a withdrawal transaction amount and an amount withdrawn from the child-only financial account) is deposited in the financial account use information. ), The financial account manager 1405 performs a withdrawal transaction (or transfer transaction) procedure for the child-only financial account in connection with the financial system 1450 based on the financial account usage information. Preferably, the withdrawal transaction details are preferably recorded in the ledger corresponding to the child-only financial account.

In addition, the financial account management unit 1405 periodically checks the amount deposited in the child-only financial account, and interest (or return) on the deposit amount according to the interest rate (or rate of return) corresponding to the child-only financial account. Proceeds), deposit the calculated interest (or proceeds) into the child-only financial account, and record the interest (or proceeds) deposit details in the ledger corresponding to the child-only financial account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to FIG. 14, the financial account management server 1400 may be configured such that the financial account management unit 1405 is connected to the customer terminal 1445 and the financial system 1450 to operate the child-only financial account. When depositing a predetermined amount into a child-only financial account, checking the application rate of the interest rate included in the child-only financial account operation information in connection with the storage medium 1440, and depositing the amount into the child-only financial account. An information confirming unit 1425 for confirming whether the interest rate of the additional interest rate application information is satisfied, and the child-only finance if the operation of the child-only financial account meets the additional interest rate condition of the additional interest rate application information; And an additional interest rate processing unit 1410 for processing the additional interest rate information of the additional interest rate application information to be applied to the amount of money deposited into the account. It shall be.

While the financial account manager 1405 is operating the child-only financial account in connection with the customer terminal 1445 and the financial system 1450, the child-only financial account operation is linked with the financial system 1450. In the case of including a predetermined amount deposit transaction to the child-only financial account, the information checking unit 1425 is connected to the storage medium 1440 and the additional interest rate associated with the financial account information corresponding to the child-only financial account The application information is checked, and the depositing of the amount into the child-only financial account is characterized in that it confirms whether the interest rate conditions of the application of the additional interest rate apply information.

In accordance with an embodiment of the present invention, the additional interest rate condition of the additional interest rate application information stored in the storage medium 1440 is five days after various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and an anniversary (eg, Children's Day, Birthday). In the case where the payment transaction condition includes depositing a predetermined amount of money into the child-only financial account, the information checking unit 1425 may be configured such that the financial account management unit 1405 is connected to the customer terminal 1445 and the financial system 1450. When a predetermined amount is deposited into the child-only financial account, the date and time of the deposit correspond to various holidays (e.g., New Year, Lunar New Year, Chuseok, etc.) and an anniversary (e.g., , Children's day, birthday) it is desirable to check whether the condition is satisfied within 5 days.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. It may be made to include information, academic achievement information, and the like, the addition rate may be applied to the amount paid within five days after the test result announcement date, for this purpose, the financial account management server 1400 is a variety of educational institutions (or It is preferable to be processed in conjunction with a server provided in an authorized test organization.

When the information confirming unit 1425 confirms that the additional interest rate condition of the additional interest rate application information is satisfied, the additional interest rate processing unit 1410 is connected to the financial system 1450 to add the interest rate corresponding to the additional interest rate condition. It is characterized in that the processing to be applied to the amount deposited into the child-only financial account.

According to an embodiment of the present invention, when the amount of money deposited by the financial account manager 1405 into the child-only financial account satisfies the additional interest rate condition of the additional interest rate application information, the additional interest rate processor 1410 may add the addition. Check the additional interest rate information matching the interest rate condition, and apply the interest rate information to apply the preferential interest rate corresponding to the additional interest rate information to the amount deposited into the child-only financial account in connection with the financial system 1450; It is advisable to record and link the deposit transactions of children's financial accounts.

Referring to FIG. 14, the financial account management server 1400 may be configured such that the financial account management unit 1405 is connected to the customer terminal 1445 and the financial system 1450 to operate the child-only financial account. While the child-only financial account is operated, the current age information corresponding to the child information included in the child-only financial account operation information is linked with the storage medium 1440 to check the linked product information for each child growth stage, and the child An information checking unit 1425 (or information checking means) confirming whether the current age of the child is included in the age group to join (or convert) the child growth stage linked product, and the verification result indicates that the age of the child is linked by the child growth stage. When included in the age group to join (or convert) the product, the linked product processing to process the child to join (or convert) the linked product for each child growth stage Unit 1435 is characterized in that obtained by having a (or linkage product processing means).

The information checking unit 1425 reads child information included in the child-only financial account operation information in connection with the storage medium 1440 to confirm the current age of the child and includes the information in the child-only financial account operation information. After confirming the linked product information for each child growth stage, characterized in that whether the current age of the child is included in the age group to join (or switch) the linked product for each child growth stage.

When the linked product for each growth stage of the child (or adolescent) includes a predetermined insurance product according to an exemplary embodiment of the present invention, the information checking unit 1425 may be connected to the storage medium 1440 to finance the child-only finance. Read the child information included in the account management information to check the current age of the child, and after confirming the insurance product information for each child growth stage included in the child-only financial account operation information, the current age of the child by the child growth stage It is a good idea to make sure that you are included in the age range for which you are insured (or converted).

If the current age of the child is included in the age group to join (or convert) the linked product for each child's growth stage, the linked product processing unit 1435 is configured to target the child. Process the new subscription to the linkage products for each stage of growth, or to convert the linked product pre-subscribed for the child to another linkage product corresponding to the current age of the child.

When the linked product for each growth stage of the child (or adolescent) includes a predetermined insurance product according to an embodiment of the present invention, if the age of the child (or adolescent) is before or after elementary school, the associated product processor 1435 In connection with the insurance company server 1455 through a predetermined means of communication (or free) enrollment (or conversion) of the child to a predetermined "back to school security insurance", the child (or adolescent) grows to take the middle school Before and after, the linked product processing unit 1435 is preferably linked to the insurance company server 1455 through a predetermined communication means to automatically convert the "commission to school security insurance" to a predetermined "school violence security insurance".

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with a manager, various travel products in connection with a predetermined travel agency, educational products in connection with a predetermined educational institution (or academy), and for this purpose, the financial account management server ( 1400 is preferably processed in connection with a server provided in various securities companies, fund managers, travel agencies, educational institutions (or academy).

Referring to FIG. 14, the financial account management server 1400 may be configured such that the financial account management unit 1405 is connected to the customer terminal 1445 and the financial system 1450 to operate the child-only financial account. While operating the child-only financial account, check whether the expiration of the child-only financial account in conjunction with the financial system 1450, and when confirming the expiration of the child-only financial account, linked to the storage medium 1440 Information confirmation unit 1425 for checking automatic re-deposit information and automatic re-depositing usage information of the financial account information included in the child-only financial account operation information, and checking whether the child-only financial account is automatically re-deposited ( Or information confirmation means) and, upon confirming automatic re-deposit of the child-only financial account, in accordance with the automatic re-deposit information in association with the financial system 1450. A private financial account is characterized in that obtained by having a re-deposit processing unit 1430 (or re-deposit processing means) for automatically re-deposited.

The information verification unit 1425 checks whether the expiration of the child-only financial account in conjunction with the financial system 1450, and when the expiration date of the child-only financial account is confirmed,, the storage In connection with the medium 1440, the automatic re-deposit information and the automatic re-exclusion reason information of the financial account information included in the child-only financial account operation information is characterized in that it is confirmed.

Thereafter, the information verification unit 1425 checks whether the child-only financial account corresponds to the automatic re-deposit information, and also checks whether the child-only financial account corresponds to the automatic re-exclusion reason information, thereby automatically re-depositing the child-only financial account. It is characterized by checking whether or not.

According to the method of the present invention, if the child-only financial account is in accordance with the automatic re-deposit information, but does not match the reason for the automatic re-exception exclusion information, it is confirmed that the automatic re-deposit conditions of the child-only financial account is satisfied. It is desirable to be.

If it is confirmed by the information confirming unit 1425 that the automatic re-deposit of the child-only financial account, the re-deposit processing unit 1430 is linked with the financial system 1450 according to the automatic re-deposit information It is characterized by automatically re-depositing a dedicated financial account.

According to the method of the present invention, the re-deposit processing unit 1430 is re-deposited from the initial contract date until the child (or youth) is 19 years old (eg, up to 18 years) due to the characteristics of the child-only financial account. Automatic re-deposit of the after-tax principle funds at the same period as the previous contract period at each expiration date of the contract period, and the automatic re-reservation date is to perform the automatic re-deposit of the child-only financial account after the contract period. It is preferable.

In addition, the re-deposit processing unit 1430 is characterized in that the child-only financial account, the age of the subscription customer (= children, youth) at the time of the re-depositment is over 19 years old, or the remaining period of re-depositable is the contract period If not, it is preferable not to automatically re-deposit the child-only financial account.

15 is a diagram illustrating a process of operating a child (or youth) -only financial account according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates a financial account management server 1400 on a financial account operating system shown in FIG. 14 in a child-only financial account opened through the financial account opening system shown in FIGS. 1 and / or 8. In the process of applying the additional interest rate for the deposit transaction of the child-only financial account on the basis of the child-only financial account operation information stored in the storage medium (1440), having a general knowledge in the art If one grows up, it is possible to infer various implementation methods for the process of operating the child (or youth) -only financial account for the application of the additional interest rate by referring to and / or modifying the drawing 15. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 15, and the method of applying the additional interest rate is performed independently of the deposit transaction, or the additional interest rate application process. The method may be inferred from the expiration of the child-only financial account, but the present invention is characterized by including all the inferred implementation methods.

In addition, in the embodiment shown in FIG. 15, a predetermined customer approval procedure for the application of the additional interest rate is omitted for convenience in the application of the additional interest rate, but the present invention is not limited thereto. It is evident that this involves the customer approval process of the application phase.

Hereinafter, in FIG. 15, the financial account operating server 1400 on the financial account operating system shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 15, the server connects the financial account opening system shown in FIGS. 1 and / or 8 to the customer terminal 1445 and the financial system 1450 on the financial account operating system shown in FIG. 14. Process at least one financial transaction for operating a child-only financial account opened through (1500), in the process of operating the child-only financial account, the server is linked to the financial system 1450 to the predetermined child-only financial account Check whether a deposit transaction in which the amount is deposited has occurred (1505).

If it is confirmed that a deposit transaction has occurred for the child-only financial account (1510), the server is established through the financial account opening system shown in FIGS. 1 and / or 8 in connection with the storage medium 1440. Check the addition rate application information included in the operation information for the child-only financial account corresponding to the child-only financial account (1515), and read the addition rate application information to deposit the transaction for the child-only financial account to the application information It is checked whether the included interest rate condition is satisfied (1520).

In accordance with an embodiment of the present invention, the additional interest rate condition of the additional interest rate application information stored in the storage medium 1440 is five days after various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and an anniversary (eg, Children's Day, Birthday). When the deposit includes a payment transaction condition in which a predetermined amount is deposited into the child-only financial account within the server, the server may perform various holidays (eg, the deposit date and time for the deposit transaction corresponding to the addition interest rate condition of the addition interest rate application information). New Year, New Year's Day, Chuseok, etc.) and anniversary (for example, children's day, birthday) it is desirable to check whether the conditions are satisfied within 5 days.

According to another embodiment of the present invention, the additional interest rate condition of the application information is limited to a specific day trading condition such as various holidays (eg, New Year, New Year's Day, Chuseok, etc.) and anniversaries (eg, Children's Day, Birthday). Nevertheless, it is preferable to further include at least one or more of the total amount of deposit deposited in the child-only financial account, whether or not the automatic transfer of the payment amount, the number of automatic re-deposits, etc. according to the intention of the skilled person.

According to another embodiment of the present invention, the addition interest rate condition of the application information of the addition interest rate may include various test score information performed by a school (or an accredited testing institution) at which the child is enrolled, and an equivalent number (or percentage) according to the test. It may be made to include information, academic achievement information, and the like, the addition rate may be applied to the amount paid within five days after the test result announcement date, for this purpose, the financial account management server 1400 is a variety of educational institutions (or It is preferable to be processed in connection with the server provided in the authorized test institute.

If the check result indicates that the deposit transaction for the child-only financial account satisfies the additional interest rate condition included in the additional interest rate application information (1525), the server transfers the additional interest rate information to the financial system 1450 in connection with the financial interest rate. It is applied to the transaction history and recorded in the ledger corresponding to the child-only financial account (1530).

According to an embodiment of the present invention, the server checks the additional interest rate information matching the additional interest rate condition and corresponds to the additional interest rate information to the amount deposited into the child-only financial account in connection with the financial system 1450. In order to apply the preferential interest rate, it is preferable that the additional interest rate information is recorded and linked to the deposit transaction details of the child-only financial account.

16 is a diagram illustrating a process of operating a child (or youth) -only financial account according to another embodiment of the present invention.

More specifically, FIG. 16 illustrates a financial account management server 1400 on a financial account operating system shown in FIG. 14 in a child-only financial account opened through the financial account opening system shown in FIGS. 1 and / or 8. At least one insurance product according to the age corresponding to the captain stage of the child (or adolescent) who opened the child-only financial account based on the child-only financial account operation information stored in the storage medium (1440). For the process of signing up (or converting), one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16 so that the child (or Youth) You can infer various implementation methods for the process of operating a dedicated financial account, but the present invention is all inferred implementation method It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to (or convert to) the child according to the age corresponding to the captain stage of the child (or adolescent) by referring to and / or modifying the drawing 16. In addition to the insurance product described above, the linked products may be various securities products linked to a predetermined securities company, various fund investment products linked to a predetermined fund manager, various travel products linked to a predetermined travel agency, a predetermined educational institution (or a school) according to the intention of the skilled person. It may be inferred that the implementation method comprising at least one or more educational products associated with the), and the present invention is characterized by including all the implementation methods inferred.

In addition, in the implementation method illustrated in FIG. 16, at least one insurance product is subscribed to (or converted to) the insurance product according to an age corresponding to the captain stage of the child (or adolescent). Although a predetermined customer approval procedure for) is omitted for the sake of convenience, the present invention is not limited thereto, and it is apparent that the present invention includes a customer approval procedure for each insurance product subscription (or conversion) step.

Hereinafter, in FIG. 16, the financial account operating server 1400 on the financial account operating system shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 16, the server establishes the financial account opening system shown in FIGS. 1 and / or 8 in association with the customer terminal 1445 and the financial system 1450 on the financial account operating system shown in FIG. Process at least one financial transaction for operating a child-only financial account opened through (1600), in the process of operating the child-only financial account, the server in connection with the storage medium 1440, the drawings 1 and / or 8 The current age information of the child corresponding to the child-only financial account is checked from the child information included in the child-only financial account operation information corresponding to the child-only financial account opened through the financial account opening system shown in FIG. 1605. .

If the current age information of the child is confirmed (1610), the server is linked to the storage medium 1440, the insurance product information for each child growth stage included in the child-only financial account operation information corresponding to the child-only financial account; Check (1615), and check whether the current age of the child is included in the age group to join (or convert) the insurance product for each growth stage (1620).

According to an embodiment of the present invention, the server reads the child information included in the child-only financial account operation information in association with the storage medium 1440 to confirm the current age of the child, and the child-only financial account operation information. After checking the insurance product information for each child growth stage included in, it is preferable to check whether the current age of the child is included in the age group to join (or convert) the insurance product for each child growth stage.

If it is confirmed that the current age of the child is included in the age group to join (or convert) the insurance product for each child growth stage (1625), the server is a predetermined insurance company server corresponding to the insurance product through a predetermined communication means In operation 1630, the insurance product subscription (or conversion) procedure for the child is performed in connection with the operation (1455).

When the linked product for each growth stage of the child (or adolescent) includes a predetermined insurance product according to an embodiment of the present invention, if the age of the child (or adolescent) is before or after elementary school, the server may use predetermined communication means. If the child (or adolescents) grow up and take a junior high school automatically (or free) enrollment (or conversion) of the child to a predetermined "go to school security insurance" in connection with the insurance company server 1455 through the server, In connection with the insurance company server 1455 through a predetermined communication means, it is preferable to automatically convert the "commission to school security insurance" to a predetermined "school violence security insurance".

According to another embodiment of the present invention, the linked products for each growth stage of the child (or adolescent) are not limited to the insurance products, and various securities products and predetermined funds linked to a predetermined securities company according to the intention of those skilled in the art. It is preferable to further include at least one or more of various fund investment products in connection with a manager, various travel products in connection with a predetermined travel agency, educational products in connection with a predetermined educational institution (or academy), and for this purpose, the financial account management server ( 1400 is preferably processed in connection with a server provided in various securities companies, fund managers, travel agencies, educational institutions (or academy).

If the insurance product subscription (or conversion) for the child is confirmed (1635), the server, in connection with the financial system 1450, sends the insurance product subscription (or conversion) information to the ledger corresponding to the child financial account. Record (1640).

17 is a diagram illustrating a process of operating a child (or youth) -only financial account according to another embodiment of the present invention.

In more detail, FIG. 17 illustrates a financial account management server 1400 on a financial account operating system shown in FIG. 14 in a child-only financial account opened through the financial account opening system shown in FIGS. 1 and / or 8. In accordance with the present invention relates to a process for automatically re-depositing the child-only financial account upon the expiration of the child-only financial account based on the operation information for the child-only financial account stored in the storage medium (1440), Those skilled in the art may refer to and / or modify this drawing 17 to infer various implementation methods for operating the child (or youth) -only financial account for automatic re-depositing of the child-only financial account. As will be appreciated, the present invention includes all implementation methods inferred from the above, and only the implementation method illustrated in FIG. Characteristics is not limited.

For example, in the implementation method shown in FIG. 17, a predetermined customer approval procedure for the automatic reloading is omitted for convenience in the automatic reloading of the child-only financial account, but the present invention is not limited thereto. It is apparent that the invention includes a customer approval procedure for each automatic re-deposit step for the child-only financial account.

Hereinafter, in FIG. 17, the financial account operating server 1400 on the financial account operating system illustrated in FIG. 14 is referred to as a “server” for convenience.

Referring to FIG. 17, the server connects the financial account opening system shown in FIGS. 1 and / or 8 to the customer terminal 1445 and the financial system 1450 on the financial account operating system shown in FIG. Process at least one financial transaction for operating a child-only financial account opened through (1700), in the process of operating the child-only financial account, the server is associated with the financial system 1450, the maturity of the child-only financial account Check whether or not (1705).

If it is confirmed that the expiration of the child-only financial account has arrived (1710), the server is established through the financial account opening system shown in FIGS. 1 and / or 8 in connection with the storage medium 1440. Check automatic re-deposit information (or automatic re-exclusion reason information) from the financial account information included in the child-only financial account operation information corresponding to the child-only financial account (1715), and the automatic re-deposit information (or automatic re-deposit) The exclusion reason information) is read to determine whether the automatic re-deposit of the child-only financial account (1720).

According to the method of the present invention, if the child-only financial account is in accordance with the automatic re-deposit information, but does not match the reason for the automatic re-exception exclusion information, it is confirmed that the automatic re-deposit conditions of the child-only financial account is satisfied. It is desirable to be.

If the automatic re-deposit of the child-only financial account is not confirmed (1725), the server applies a predetermined reference interest rate for the child-only financial account in connection with the financial system 1450, and the The process of calculating interest income for the child-only financial account by additionally applying the additional interest rate identified through the operation of the child-only financial account shown in FIG. 15 and refunding the interest income to the child (or the youth) Perform (1730).

On the other hand, if the automatic re-deposit of the child-only financial account is confirmed (1725), the server re-deposits the child-only financial account in connection with the financial system 1450, and the re-deposit information to the child It is recorded in the ledger corresponding to the dedicated financial account (1735).

According to the method of the present invention, the server may be re-scheduled from the initial contract date until the child (or youth) is 19 years old (for example, up to 18 years) due to the characteristics of the child-only financial account. It is preferable to automatically re-deposit the after-tax principal after the contract period at the same period as the previous contract period, and to automatically re-deposit the child-only financial account on the same day as the contract period after the contract date.

In addition, if the age of the subscription customer (= child, youth) at the time of the re-depositment is 19 years of age or older, or the remaining period of re-depositable is less than the contract period due to the characteristics of the child-only financial account. It is preferable not to perform automatic re-deposit of the child-only financial account.

According to the present invention, the future hope is through a financial account (for example, a budding love savings account) that provides benefits such as linked products (or services) and additional interest rates according to the growth stage of the youth (or children). ) Has the advantage of effective pocket management and economic education.

According to the present invention, an individual account name (or bank account name) is assigned to a youth (or child) -only financial account to continuously induce adolescents (or children) to be interested in the youth (or child) -only financial account. In addition, there is an advantage of educating the right saving habits and economic ideas through the above interest.

Claims (11)

When a predetermined financial institution opens a predetermined child-only account for a child, a predetermined period of time for depositing transactions for the child-specific account information and the child-only account in a predetermined information storage means on a specific day such as various holidays and anniversaries. Storing in a predetermined storage medium in association with the additional interest rate condition and the additional interest rate information for applying the predetermined additional interest rate to the deposit transaction amount if it occurs within the storage transaction; At a predetermined financial transaction for the account, confirming whether the financial transaction for the child-only account meets the additional interest rate condition in connection with the storage medium (or storage medium operating means) in a predetermined information checking means; And if the additional interest rate condition is met, applying an additional interest rate corresponding to the additional interest rate condition to a transaction amount of the child-only account in a predetermined additional interest rate processing means. When a predetermined financial institution opens a predetermined child-only account for a child, the information for the child-specific account and the linked account information first registered corresponding to the child's account opening age in a predetermined information storage means and the growth of the child Linking the linked account information for each step and storing the linked link information on a predetermined storage medium; Confirm the current age of the child corresponding to the child-specific account in a predetermined information checking means, and in connection with the storage medium (or storage medium operating means) conversion of account linked products for each growth stage corresponding to the age of the child Confirming; When the conversion of the linked account product is confirmed, the predetermined linkage product processing means for converting the account linked product that the child has already subscribed to the account linkage product for each identified growth stage; comprising a child How to operate a dedicated account. When a predetermined financial institution opens a predetermined child-only account for a child, the predetermined information storage means automatically re-deposits the child-only account information and the child-only account until the child reaches 19 years of age. Storing the information on the storage medium in association with the automatic reloading information; Confirming the expiration of the child-only account in a predetermined information checking means, and upon confirmation of the expiration of the child, automatically re-depositing the child-only account in association with the storage medium (or storage medium operating means); Re-depositing the child-only account in a predetermined re-deposit processing means, upon automatic re-deposit check for the child-only account; Child-only account management method comprising a. A recording medium comprising a program for executing the method of any one of claims 1 to 3. When a predetermined financial institution opens a predetermined child-only account for a child, and the deposit transaction for the child-specific account information and the child-only account occurs within a certain period on a specific day such as various holidays and anniversaries, the deposit transaction. Information storage means for linking the predetermined interest rate condition to which the predetermined interest rate is applied to the amount and the additional interest rate information in a predetermined storage medium; Information verification means for confirming that, in a predetermined financial transaction for the account, the financial transaction for the child-only account in accordance with the additional interest rate condition in association with the storage medium (or storage medium operating means); And an additional interest rate processing means for applying an additional interest rate corresponding to the additional interest rate condition to the transaction amount of the child-only account if the additional interest rate condition is met. The method of claim 5, wherein the additional interest rate condition, The amount paid to the child-only account exceeds a certain amount, or The condition that the payment amount of the child-only account is automatically transferred from a predetermined client account, or Child account management system, characterized in that further comprises a condition that is automatically re-deposited upon arrival of the child-only account. When opening a predetermined child-only account for a child at a predetermined financial institution, the account-linked product information first registered corresponding to the child-specific account information, the age of the child's account opening, and the account-linked product information according to the growth stage of the child Information storage means for storing in a predetermined storage medium in association with the; Information checking means for confirming a current age of a child corresponding to the child-only account and confirming a conversion of the account linked product for each growth stage corresponding to the age of the child in association with the storage medium (or storage medium operating means); When the conversion of the account linked products is confirmed, the linked product processing means for converting the account linked products, the child is already subscribed to the account linked products for each growth stage; child account management system characterized in that it comprises a; . According to claim 7, The account linked product, Insurance products provided to the child using the child-only account in connection with a predetermined insurance company according to the growth stage of the child, or A securities product provided to a child using the child-only account in connection with a securities company according to the growth stage of the child, or A fund investment product provided to a child using a child-only account in connection with a predetermined fund manager according to the growth stage of the child, or Travel products provided to the child using the child-only account in connection with a predetermined travel agency according to the growth stage of the child, or A child-only account management system, characterized in that it comprises at least one or more education products provided to the child-only account using the child in association with a predetermined educational institution (or academy) according to the growth stage of the child. Linking the child-only account information with automatic re-deposit information that automatically re-deposits the child-only account until the child reaches 19 years of age when a predetermined financial institution opens a child-only account for the child. Information storage means for storing the information in a predetermined storage medium; Information verification means for confirming the expiration of the child-only account, and upon confirmation of maturity, automatically re-depositing the child-only account in association with the storage medium (or storage medium operating means); And re-deposit processing means for re-depositing the child-only account upon automatic re-deposit of the child-only account. The method of claim 9, And an account opening means for changing and opening an account name (or a bankbook name) of the child-only account to a name designated by the parent of the child. The method of claim 9, wherein the information storage means, A child-only account management system, characterized in that the automatic re-exclusion reason information that does not automatically re-seat the child-only account further stored in association with the child-only account information.

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