KR20090023455A - System for processing compensatory interest based on balance of accounts - Google Patents

Abstract

A system for processing compensation interest based on balance of an account is provided to attract funds of a client, prevent funds to be withdrawn and have a discriminated service, thereby being compatible against a competitive company. An information storage unit(840) associatedly stores account information of a subsidiary company, virtual account information to which balance of the subsidiary company account is virtually inputted and designation account information to which compensation interest is input about remaining balance of the subsidiary company account in a storage medium(150). An information confirmation unit(820) periodically confirms balances of one or more subsidiary company accounts. An information processing unit virtually collects the balances of the confirmed affiliated company accounts. The collected balances are inputted to a virtual account.

Description

System for Processing Compensatory Interest Based on Balance of Accounts}

1 is a diagram illustrating a face-to-face master account opening system for calculating and paying reward interest according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to a master account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B illustrate a process of opening a master account for reward interest calculation and payment in a face-to-face manner according to one embodiment of the present invention.

4A and 4B are diagrams illustrating a process of opening a master account for reward interest calculation and payment in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a master account for reward interest calculation and payment in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a system for automatically opening a virtual account for reward and payment according to one embodiment of the present invention.

7 is a diagram illustrating a virtual account opening process for reward and payment according to one embodiment of the present invention.

8 is a diagram illustrating a master account operation system for processing interest calculation and payment according to an embodiment of the present invention.

9 is a diagram illustrating a process of operating a master account for calculating interest and calculating payment according to one embodiment of the present invention.

10 is a diagram illustrating a process of providing a reward interest calculation and payment processing history to a customer according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a master account operating system for processing a reward interest and calculating a payment according to another embodiment of the present invention.

12 is a diagram illustrating a master account operation process for calculating reward interest and processing payment according to one embodiment of the present invention.

FIG. 13 illustrates an example of a compensation interest calculation screen according to an embodiment of the present invention. FIG.

14 is a diagram illustrating an example of providing a reward interest calculation and payment process to a customer according to an exemplary embodiment.

<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: validating unit

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

140: account opening unit 145: electronic document server

150: electronic document receiving unit 155: information generating unit

160: electronic document storage unit 165: electronic document D / B

170: terminal device 175: virtual account opening request unit

The present invention stores information stored in a storage medium by processing one or more subsidiary account information, a virtual account information in which the balance of the subsidiary account is nominally deposited, and a designated account information in which a reward interest for the subsidiary account balance is to be deposited. Means for periodically verifying the balances of the at least one subsidiary account; and means for collecting nominally the balances of the at least one subsidiary account and performing a nominal deposit of the collected nominal balances into the virtual account. Account balance based reward interest including processing means, reward interest calculating means for calculating a compensation interest for the amount nominally deposited into the virtual account, and compensation interest processing means for depositing the calculated reward interest into the designated account To a processing system.

Recently, Korean companies are trying to achieve global business in various ways. However, compared to the global business efforts of each company, domestic financial services do not meet the world-class financial services.

Therefore, domestic financial institutions need to provide a variety of convenient financial services such as account management, liquidity management, payment and settlement accompanying armed forces, through domestic and overseas funds of global companies through networks including partner banks around the world. It is time to look for services that can help customers (businesses) strengthen their external competitiveness in international transactions.

An object of the present invention for solving the above problems is one or more subsidiary account information, the virtual account information to be nominally deposited the balance of the subsidiary account, and the designated account information to be compensated for the subsidiary account balance Information storage means for linking and storing in the storage medium, information checking means for periodically checking the balances of the one or more subsidiary accounts, and nominally collecting the balances of the identified one or more subsidiary accounts; Information processing means for nominally depositing the money into the virtual account, reward and calculation means for calculating a reward interest for the amount nominally deposited into the virtual account, and reward for depositing the calculated reward interest into the designated account; It is to provide an account balance based compensation and processing system including a processing means.

The account balance based reward interest processing system according to the present invention includes one or more subsidiary account information, virtual account information to which the balance of the subsidiary account is nominally deposited, and designated account information to which the reward interest for the subsidiary account balance is to be deposited. Information storage means for linking and storing in the storage medium, information checking means for periodically checking the balances of the one or more subsidiary accounts, and nominally collecting the balances of the identified one or more subsidiary accounts; Information processing means for nominally depositing the money into the virtual account, reward and calculation means for calculating a reward interest for the amount nominally deposited into the virtual account, and reward for depositing the calculated reward interest into the designated account; Characterized in that it comprises a processing means.

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 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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 face-to-face master account opening system for calculating interest and calculating interest according to an embodiment of the present invention.

In more detail, in Figure 1, a customer having at least two domestic and foreign subsidiary accounts, prepares an application for opening a master account including at least one of predetermined customer information, designated account information, interest rate information, and subsidiary account information. When submitted to a window provided in a financial institution, the financial institution is a system configuration for opening the master account for the calculation and payment of predetermined reward interest in a face-to-face manner based on the application for opening the master account, specifically, the customer When the master account opening application is made and submitted to the window, the master account opening application corresponding to the bank account server 100 provided on the window and the predetermined window terminal provided on the window corresponds to the master account opening application. Write down the customer information, designated account information, interest rate information, subsidiary account information The present invention relates to a method of opening a predetermined master account for calculating and paying the reward interest based on the application information for opening a master account including one or more.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 1 to infer various implementation methods for configuring the master account opening system for calculating and paying the reward interest. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, FIG. 1 includes generating a predetermined master account opening application electronic document and storing it in an electronic document storage in the process of opening the master account, and a person having ordinary knowledge in the technical field to which the present invention belongs, Referring to or modifying the drawing 1, it is possible to omit storing the master account opening application electronic document in the electronic document storage, and the technical features of the present invention is not limited to the implementation method shown in this drawing.

Hereinafter, at least one master account opening application prepared by the customer and corresponding customer information, designated account information, interest rate information, and subsidiary account information on the master account opening system shown in FIG. 1 through a predetermined master account opening interface. Components corresponding to at least one or more means or functional configurations of opening the master account for calculating and paying the reward interest based on the master account opening application information included above are referred to as "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a master account for calculating and paying compensation interest includes a terminal device including a teller terminal provided in at least one branch (or branch or main branch) of a financial institution. It characterized in that it comprises a 170, the terminal device 170 is connected to the communication channel and the financial company server 100 provided on the master account opening system through a predetermined financial network (or communication network).

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch), and the application form for opening the predetermined master account through a window (or a cashier) provided at the financial institution branch branch (branch branch). (E.g., a document with a form for filling in the at least one item of information), wherein the customer is required to seal the customer's seal for legal basis on the application for opening the master account. Do.

Subsequently, when the customer submits the completed master account opening application to the teller, the teller scans the master account opening application through a predetermined image obtaining device to obtain a predetermined image content, and a predetermined teller terminal is opened. Input the master account opening application information including at least one image content acquired in response to the master account opening application and at least one of customer information, designated account information, interest rate information, and subsidiary account information written in the master account opening application (or And the counter terminal transmits the image content and the master account opening request information to the financial company server 100 provided on the master account opening system through the financial network (or communication network). .

Here, the window terminal preferably comprises a financial terminal used by the employee of the branch (or branch or head office) of the financial institution, the financial company server 100 connected to the window terminal is provided on the predetermined financial system. It is preferable to include a server (eg, ledger server, etc.), and the financial network (or communication network) connecting the teller terminal and the financial institution server 100 establishes a communication channel between the teller terminal and the financial institution server 100. It is preferable that the connection network comprises a connection network.

In the master account opening system as described above, an image acquisition device for acquiring image contents corresponding to a master account opening application made by the customer, a window terminal used by the employee, the window terminal, and the financial company server 100. The connecting financial network (or communication network) performs a function of a master account opening interface for the customer to register the master account opening application information.

The financial institution server 100 provided on the master account opening system according to the present invention is a generic term for the components of the master account opening system side connected to the terminal device 170 through a predetermined financial network (or a communication network). It may be implemented by including at least one server (or device), 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 170 is a window terminal connected to a predetermined financial network (or communication network), the financial company server 100 is connected to the window terminal through a predetermined financial network (or communication network). It may be a ledger server provided on a financial system connected to the financial system, or a server (or device) provided on an external system on the financial system, or a program provided on the external system on the financial system, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the financial company server 100 is provided with an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 170 via the financial network (or communication network). It features.

According to an embodiment of the present invention, when the terminal device 170 is a window terminal connected to a predetermined financial network (or a communication network), the interface unit 105 uses a protocol stack defined in the financial network (or a communication network). It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program provided in the window terminal and connecting a predetermined communication channel with the window terminal. Do.

Referring to FIG. 1, when a predetermined terminal device 170 connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial institution server 100 may include the terminal device ( Acquire image content corresponding to the master account opening application prepared by the customer through a predetermined image acquisition device provided at 170, and input (or select) master account opening application information corresponding to the master account opening application; Generating (or extracting) at least one user interface for transmitting to the financial institution server 100, and providing the generated (or extracted) user interface to the terminal device 170 in association with the interface unit 105. A master account corresponding to the master account opening application through the interface providing unit 110 and the user interface in the terminal device 170 Information receiving unit 115 for receiving the master account opening application information transmitted from the terminal device 170 in connection with the interface unit 105 when the application information is input (or selected) and transmitted; In operation 170, when an image content corresponding to a master account opening application written by the customer is obtained and transmitted through a predetermined image obtaining apparatus, the master account opening application is linked with the interface unit 105. And an image receiving unit 120 for receiving image content corresponding to.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the user interface to the financial institution server 100. Upon request, through the predetermined image acquisition device provided in the terminal device 170, obtains the image content corresponding to the master account opening application prepared by the customer, and the master account opening application information corresponding to the master account opening application. To generate (or select) and generate at least one user interface for transmitting to the financial institution server 100 through the financial network (or communication network), or extract from a database (not shown), and the interface unit ( The terminal device 1 via the financial network (or a communication network) is connected to the generated (or extracted) user interface in connection with 105. 70) characterized in that provided.

According to another embodiment of the present invention, the terminal device 170 acquires image contents corresponding to a master account opening application written by the customer through a predetermined image acquisition device, and opens a master account corresponding to the master account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network (or communication network) is provided, the predetermined information as described above is provided. Acquire image contents corresponding to the master account opening application written by the customer through the image acquisition device of the user, and input (or select) master account opening application information corresponding to the master account opening application to the financial institution server 100. Create (or extract) a user interface that End and the interface providing unit 110 is mubang be omitted to provide a device 170, to which the present invention is not limited.

Thereafter, the terminal device 170 inputs (or selects) master account opening application information including at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information through the user interface, and the input ( Or selection) transmits the application information for opening a master account to the financial institution server 100 through the financial network (or a communication network), and correspondingly, the information receiving unit 115 is connected to the interface unit 105 to the terminal. And receiving the master account opening application information transmitted from the device 170.

The customer information includes personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the master account opening system corresponding to the customer by joining as a financial transaction customer of the financial institution) It is preferable to include at least one or more.

The subsidiary account information includes an account number opened corresponding to the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account number corresponding to the account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to comprise a.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

In addition, the terminal device 170 obtains the image content corresponding to the master account opening application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network (or Communication network) to the financial institution server 100, and in response thereto, the image receiving unit 120 receives image contents corresponding to the master account opening application in connection with the interface unit 105. .

According to another exemplary embodiment of the present invention, the terminal device 170 acquires image content corresponding to a master account opening application written by the customer through a predetermined image acquisition device, and is provided in the terminal device 170 ( Or in connection with a predetermined storage device, the terminal device 170 corresponds to a master account opening application written by the customer among at least one or more image contents previously stored in the storage device through the user interface. An image content is selected and transmitted to the financial institution server 100 through the financial network (or a communication network). In response, the image receiving unit 120 corresponds to the master account opening application in connection with the interface unit 105. It is desirable to receive the image content.

According to another exemplary embodiment of the present invention, the terminal device 170 displays the image content corresponding to the master account opening application written by the customer and the master account opening application information corresponding to the master account opening application through the user interface. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the master account opening application and the master account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution server 100 receives the master account opening request information transmitted from the terminal device 170 through the information receiving unit 115, the received master account opening request information is displayed. Characterized in that it comprises a validity authentication unit for confirming that the validity of the application for opening the master account for the calculation and payment of compensation interest.

According to the implementation method of the present invention, the validity of the master account opening application information, at least one or more ledger information matching the master account opening application information in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking whether is registered.

For example, the validity of the master account opening request information may include: the ledger D on the financial system in which the customer information (customer personal information, member information, etc.) included in the master account opening request information is linked to the master account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity check of the master account opening application information, whether the designated account information included in the master account opening application information matches the account ledger stored in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking.

In addition, the validity of the master account opening application information is a predetermined condition (eg, enterprise scale) under which the customer information (or member information) included in the master account opening application information is provided with the reward interest calculation and payment service. , Corporate revenue, corporate transaction amount, number of corporate subsidiaries, etc.).

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 170 through the image receiving unit 120, and opens the master account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit 130 for generating a predetermined electronic account opening application electronic document including the received image content, and the master account opening application electronic document generated in the master account It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generating unit 130 generates a master account opening request electronic document including the image content received from the terminal device 170 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 requests to open the master account as it is an image file including the image content received from the terminal device 170 through the image receiving unit 120. It is preferable to process it as an electronic document.

Alternatively, the electronic document generating unit 130 is included in the master account opening request information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the master account opening application electronic document is generated from an image file corresponding to image content including at least one or more of customer information, designated account information, interest rate information, and subsidiary account information in a watermarking manner.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) containing the image content received from the terminal device 170 via the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, web document file including MHT), etc. It is desirable to create an electronic document.

Alternatively, the electronic document generating unit 130 is included in the master account opening request information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more of customer information, designated account information, interest rate information, and subsidiary account information by watermarking, and a predetermined document file (eg, PDF) including the generated image content. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is desirable to create an application electronic document.

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 170 through the image receiving unit 120. 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 master account opening application information, or MHT By generating a web document file, including), it is preferable to generate the master account opening application electronic document.

Alternatively, the electronic document generating unit 130 is included in the master account opening request information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generates image content including at least one or more of customer information, designated account information, interest rate information, and subsidiary account information by watermarking, and includes the generated image content and application information for opening the master account. Generate 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) By doing so, it is preferable to generate the master account opening application electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical characteristics of generating an electronic document for the application for opening a master account of the image file format or a predetermined document file format, and the master account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document for opening application, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the master account opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document storage associated with the master account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to the financial institution server 100 on the master account opening system through a predetermined communication means, and the predetermined electronic document server 145 and the electronic document D / B 165. When provided externally, the electronic document transmission unit 135 is the electronic document server through the communication means the electronic document server 145 generated by the electronic document generation unit 130, the electronic document server 145 It characterized in that the transmission to.

Here, when the electronic document server 145 and the electronic document D / B 165 is provided outside the master account opening system, the electronic document server 145 and the electronic document D / B 165 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 the DBMS provided in the master account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the master account opening application electronic document in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS provided in the master account opening system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, the customer information or the master account) for generating predetermined electronic document management information in the electronic document server 145. Financial institution information for transmitting an opening application electronic document, or electronic document file format information, or the master account opening application information, etc.) may be further transmitted to the electronic document storage, and the present invention is not limited thereto. .

Referring to FIG. 1, when the validity of the master account opening request information received through the information receiving unit 115 is authenticated through the validity confirming unit 125, the financial institution server 100 authenticates the validity of the master. And an account opening unit 140 for opening a master account of a customer name including the master account property setting information based on the customer information, designated account information, interest rate information, and subsidiary account information included in the account opening application information. Characterized in that made.

When the validity of the master account opening application information is confirmed by the validity confirming unit 125, the account opening unit 140 includes the customer information included in the master account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger that is already matched with the customer information), and generates the predetermined account ledger information including the master account attribute included in the master account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, a master account for calculating and paying the reward interest is corresponding to the master account opening application information.

According to the implementation method of the present invention, after the nominal offset of the balance of the at least two subsidiary accounts to the master account opening application information, the compensation for the offset nominal balance (the amount deposited into the opened master account) If the interest is not included in the designated account information, the reward for the nominal balance further comprises a virtual account opening request unit 175 for automatically opening a predetermined virtual account to be deposited is characterized in that it further comprises An embodiment of automatically opening a predetermined virtual account to which a reward interest for the nominal balance is to be deposited will be described in more detail with reference to FIG. 6 below.

According to an embodiment of the present invention, the virtual account opening request unit 175 transmits the master account opening request information to the virtual account automatic opening server on the virtual account automatic opening system shown in FIG. 6 or the master account. Customer information and customer account information included in the open application information may be transmitted, or the master account information opened through the master account opening system may be transmitted.

Referring to FIG. 1, an electronic document that receives a predetermined master account opening request electronic document from the financial institution server 100 provided on the master account opening system and stores and manages the electronic document in a predetermined electronic document D / B 165. The server 145, the electronic document receiving unit 150 for receiving a predetermined master account opening request electronic document from the financial institution server 100 through a predetermined communication means and the received master account opening request electronic document to the electronic document; An information generation unit 155 for generating predetermined electronic document management information for storing and managing in the document D / B 165, and the electronic document management information and the master account opening request electronic document in a predetermined process. And an electronic document storage unit 160 to store the document D / B 165.

The electronic document receiving unit 150 may receive a master account opening application electronic document in the form of an image file or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 150 receives the master account opening request electronic document through the communication means is the image content received by the financial institution server 100 from the terminal device 170 It is preferable that the image file is included as it is.

Alternatively, the master account opening request electronic document received by the electronic document receiving unit 150 through the communication means may include the master account opening request information on the image content received by the financial institution server 100 from the terminal device 170. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, designated account information, interest rate information, subsidiary account information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the master account opening request electronic document received by the electronic document receiving unit 150 through the communication means is an image content received by the financial institution server 100 from the terminal device 170. 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 account receiving unit 150 receives the master account opening request electronic document through the communication means, the image information received by the financial institution server 100 from the terminal device 170 to the master account opening request information. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one or more of customer information, designated account information, interest rate information, and subsidiary account information included in a watermarking method, 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).

According to another embodiment of the present invention, a master account opening request electronic document that the electronic document receiving unit 150 receives through the communication means is an image received by the financial institution server 100 from the terminal device 170 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing a content and the master account opening request information, a word processor file; Or a web document file including the MHT).

Alternatively, the electronic account receiving unit 150 receives the master account opening request electronic document through the communication means, the image information received by the financial institution server 100 from the terminal device 170 to the master account opening request information. A predetermined document file (eg, PDF) including image content including at least one or more of customer information, designated account information, interest rate information, and subsidiary account information by watermarking and application information for opening the master account. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the master account opening request electronic document received through the electronic document receiving unit 150, and through the electronic document receiving unit 150 Generate electronic document management information including electronic document storage date and time information including a date and time at which the master account opening request electronic document was received (or a date and time at which the master account opening request electronic document was stored); .

According to an exemplary embodiment of the present invention, the information generating unit 155 opens the master account with reference to the financial institution server 100 that has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 150. It is preferable to identify the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 150 further receives a predetermined electronic document related information from the financial institution server 100, the information generating unit 155 is the received electronic Electronic document management information further including document-related information (for example, financial institution information for transmitting the customer information, the master account opening request electronic document, or electronic document file format information, or the master account opening request information, etc.). It is desirable to produce.

The electronic document storage unit 160 associates a master account opening request electronic document received through the electronic document receiving unit 150 with electronic document management information generated through the information generating unit 155 to process a predetermined electronic document. It is characterized in that the storage in the D / B (165).

According to the exemplary embodiment of the present invention, the electronic document storage unit 160 stores the master account opening application electronic document stored in the electronic document D / B 165 by the financial institution server 100 of the terminal device 170. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, a master account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the image content received by the financial institution server 100 from the terminal device 170. Including the image file corresponding to the image content including at least one or more information of the customer information, designated account information, interest rate information, subsidiary account information included in the master account opening application information in the watermarking method (Watermarking) desirable.

According to another exemplary embodiment of the present invention, a master account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is provided by the financial institution server 100 by the terminal device 170. 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 electronic document opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the image content received by the financial institution server 100 from the terminal device 170. Predetermined document files (e.g., PDFs) containing image contents including at least one or more of customer information, designated account information, interest rate information, and subsidiary account information included in the application for opening a master account by watermarking. 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.

According to another exemplary embodiment of the present invention, a master account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is provided by the financial institution server 100 at the terminal device. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content received from the 170 and the master account opening request information. Or a web document file including the MHT).

Alternatively, the electronic document opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the image content received by the financial institution server 100 from the terminal device 170. Image content including at least one or more of customer information, designated account information, interest rate information, and subsidiary account information included in the master account opening application information by a watermarking method and predetermined information including the master account opening application information. 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 165 by the electronic document storage unit 160 in connection with the master account opening request electronic document is stored in the master account opening. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application 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 165 by the electronic document storage unit 160 in connection with the master account opening request electronic document is stored in the master account. The financial institution server 100 that has transmitted the opening application electronic document may preferably further include financial institution information that has transmitted the master account opening application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 160 processes the connection with the master account opening request electronic document and the The electronic document management information stored in the electronic document D / B 165 may include the received electronic document related information (for example, financial institution information for transmitting the customer information or the master account opening request electronic document, or electronic document file). Format information or the master account opening application information).

2 illustrates a ledger configuration corresponding to a master account opened in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 includes an account ledger corresponding to the master account opened through the master account opening system shown in FIG. 1 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains will be able to infer various implementation methods for the ledger configuration corresponding to the master account by referring to or modifying the drawing 2. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B includes at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is included in the present invention, and you will be familiar with the specific technical matters. Omit for convenience.

The customer ledger is a ledger including customer information included in the application for opening the master account. The CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, region identification code , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, 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.

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.

The ledger is a ledger corresponding to the master account opened in response to the application for opening the master account, which is linked to the customer ledger in a relational manner, and includes an account number, a CIF number, a store number, a currency, an opening date, a state, a product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. ), Periodical reception information including at least one or more of a period (days), a period extension, an expiration date, and a target amount, or an account number corresponding to the account ledger, a deposit amount, a par value, and a year. Trust reception information including at least one or more days and the number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief 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.

3A and 3B illustrate a process of opening a master account for reward interest calculation and payment in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show the terminal terminal 170 on the master account opening system shown in FIG. In the case of having a ledger server (not shown) function in a financial system linked to a counter terminal through a predetermined financial network (or a communication network), a predetermined customer has predetermined customer information, designated account information, interest rate information, and subsidiary account. When a master account opening application form including at least one piece of information is prepared and submitted to a window provided at a predetermined financial institution, the master account for calculating and paying the compensation interest in a face-to-face manner based on the application for opening the master account at the financial institution. A system configuration for opening an account, specifically, the customer creates the master account opening application form and the window When submitting, after obtaining the predetermined image content corresponding to the master account opening application through the predetermined image acquisition device at the window terminal and transmitting the predetermined image content to the financial institution server 100, the master account corresponding to the master account opening application Input (or select) opening application information to the financial institution server 100, and correspondingly, the financial institution server 100 includes at least one of the customer information, designated account information, interest rate information, and subsidiary account information. The present invention relates to a method of opening a predetermined master account for calculating and paying the reward interest based on the application for opening the master account.

Those skilled in the art to which the present invention pertains, various methods of providing the master account opening application information to the financial company server 100 at the window terminal by referring to or modifying the drawings 3a and 3b. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

For example, although the implementation method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the master account opening application and storing it in an electronic document storage, the process may be performed according to the intention of the skilled person. It may be omitted, thereby the present invention is not limited.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial company server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, designated account information, interest rate information, and subsidiary account information transmitted to the financial institution server 100 are referred to as "master account opening application information" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer prepares and submits a master account opening application including at least one of customer information, designated account information, interest rate information, and subsidiary account information, the window terminal shown in FIG. When a user interface corresponding to the master account opening application is requested (300), the server is connected to the server through a predetermined financial network (or a communication network) and connected to the server. Generates (or extracts) a user interface for acquiring predetermined image content corresponding to the master account opening application written by the customer through a predetermined image acquisition device and transmitting it to the server (305), and the financial network (or The generated (or extracted) user interface is transmitted to the terminal through the communication network (310) and output.

Thereafter, the terminal acquires image content corresponding to the master account opening application through a predetermined image obtaining apparatus based on the user interface (315).

If image content corresponding to the master account opening application is obtained through the image acquisition device (320), the terminal transmits the acquired image content to the server through the financial network (or communication network) (325). .

Thereafter, the server inputs (or selects) master account opening application information including at least one of customer information, designated account information, interest rate information, and subsidiary account information corresponding to the master account opening application that matches the image content. A user interface for transmitting to the server is generated (or extracted) (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (or communication network) and output (335).

Thereafter, the terminal inputs (or selects) master account opening application information including at least one of the customer information, designated account information, interest rate information, and subsidiary account information through the user interface (340).

If the master account opening application information including at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information is input (or selected) through the user interface (345), the terminal is connected to the financial network (or And transmits the input (or selected) master account opening application information to the server through a communication network (350).

The customer information includes personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the master account opening system corresponding to the customer by joining as a financial transaction customer of the financial institution) It is preferable to include at least one or more.

The subsidiary account information includes an account number opened in correspondence with the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account number corresponding to the account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to comprise a.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

Thereafter, the server receives and reads the master account opening request information including at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information through the financial network (or the communication network). Validate for (355).

According to the implementation method of the present invention, the validity of the master account opening application information is at least one or more ledger information matching the master account opening application information in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking whether it is registered.

For example, the validity of the master account opening request information may include: the ledger D on the financial system in which the customer information (customer personal information, member information, etc.) included in the master account opening request information is linked to the master account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity check of the master account opening application information, whether the designated account information included in the master account opening application information matches the account ledger stored in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking.

In addition, the validity of the master account opening application information, the customer information (or member information) included in the master account opening application information is a predetermined condition (e.g., company size, company to receive the compensation interest payment service) Revenue, corporate transaction amount, corporate subsidiary number, etc.).

If the validity of the master account opening request information is not authenticated (360), the server generates predetermined master account opening error information and transmits it to the terminal (365), and the master corresponding to the master account opening request information. Do not open an account.

On the other hand, if the validity of the master account opening request information is verified (360), the server generates a predetermined master account opening request electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device 170 as the master account opening request electronic document.

Alternatively, the server may include customer information, designated account information, interest rate information, and subsidiary account information included in the master account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170. Preferably, the master account opening request electronic document is generated from an image file corresponding to image content including at least one or more information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the image content received from the terminal device 170. File, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT), to generate the master account opening request electronic document.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. Generate image content including the watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. It is preferable to generate the master account opening application electronic document by generating a word processor file including at least one, or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the terminal device 170 and the received master account opening request information. ), 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), to generate the master account opening request electronic document. It is desirable to.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange)) that generates an image content including a watermarking method and includes the generated image content and the master account opening request information. File, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to generate the master account opening request electronic document.

In the technical field to which the present invention pertains, technical features of the server generating a master account opening request electronic document in an image file format or a predetermined document file format, and correspond to the master account opening request electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated master account opening request electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 165 and a predetermined electronic document server 145 linked with a server on the master account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated master account opening request electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165).

Alternatively, when the electronic document storage is provided on the DBMS provided in the master account opening system, the server sends the generated master account opening application electronic document to the electronic document storage on the DBMS provided in the master account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the master account opening request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated master account opening request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the master account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the master account opening request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the master account opening request electronic document, electronic document file format information, or the master account opening request information). And the like).

If the electronic account opening request electronic document is stored in the electronic document storage (380), the server generates predetermined account ledger information corresponding to the master account opening application information for calculating the compensation interest and payment (385) After opening the master account of the customer's name including the account ledger information in connection with the financial system (390), a predetermined master account opening history information is generated (or extracted) and transmitted to the terminal (395). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the master account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the master account attribute included in the master account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a master account for the compensation interest calculation and payment.

4A and 4B are diagrams illustrating a process of opening a master account for reward calculation and payment in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show the terminal device 170 on the master account opening system shown in FIG. 1 at a financial institution branch (or a branch or a main branch), and the financial institution server 100 In the case of having a ledger server (not shown) function in a financial system linked to a counter terminal through a predetermined financial network (or a communication network), a predetermined customer has predetermined customer information, designated account information, interest rate information, and subsidiary account. When a master account opening application form including at least one piece of information is prepared and submitted to a window provided at a predetermined financial institution, the master account for calculating and paying the compensation interest in a face-to-face manner based on the application for opening the master account at the financial institution. A system configuration for opening an account, specifically, the customer creates the master account opening application form and the window If submitted, the master terminal input application information (or selection) corresponding to the master account opening application at the window terminal is transmitted (or selected) to the financial institution server 100, and then the master account opening application through a predetermined image acquisition device. Acquire and transmit predetermined image content corresponding to the financial institution server 100, and corresponding to the financial institution server 100 includes at least one of the customer information, designated account information, interest rate information, subsidiary account information The present invention relates to a method of opening a predetermined master account for calculating and paying the reward interest based on the application for opening the master account.

Those skilled in the art to which the present invention pertains, various methods of providing the master account opening application information to the financial company server 100 at the window terminal by referring to or modifying the drawings 4a and 4b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 4A and 4B.

For example, the implementation method shown in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the master account opening application and storing it in an electronic document storage. It may be omitted, thereby the present invention is not limited.

In the following Figures 4a and 4b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Fig. 1 is referred to as "server" for convenience, and said teller terminal said The customer information, designated account information, interest rate information, and subsidiary account information transmitted to the financial institution server 100 are referred to as "master account opening application information" for convenience.

Referring to FIGS. 4A and 4B, when a given customer prepares and submits a master account opening application including at least one of customer information, designated account information, interest rate information, and subsidiary account information, the counter terminal shown in FIG. When the server is connected to the server through a predetermined financial network (or a communication network) and requests a user interface corresponding to the master account opening application in a state in which a predetermined communication channel is connected (400), the server correspondingly Create a user interface for inputting (or selecting) master account opening application information including at least one of customer information, designated account information, interest rate information, and subsidiary account information corresponding to the created master account opening application, and transmitting it to the server. (Or extract) (405), the generated (or extracted) user interface via the financial network (or communication network) And outputs to the transmission bus to the terminal 410. The

Thereafter, the terminal inputs (or selects) master account opening application information including at least one of the customer information, designated account information, interest rate information, and subsidiary account information through the user interface (415).

If the master account opening application information including at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information is input (or selected) through the user interface (420), the terminal is connected to the financial network (or The inputted (or selected) master account opening application information is transmitted to the server through a communication network (425).

The customer information includes personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the master account opening system corresponding to the customer by joining as a financial transaction customer of the financial institution) It is preferable to include at least one or more.

The subsidiary account information includes an account number opened corresponding to the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account number corresponding to the account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to comprise a.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

Thereafter, the server receives and reads the master account opening request information including at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information through the financial network (or the communication network). Validate for (430).

According to the implementation method of the present invention, the validity of the master account opening application information is at least one or more ledger information matching the master account opening application information in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking whether it is registered.

For example, the validity of the master account opening request information may include: the ledger D on the financial system in which the customer information (customer personal information, member information, etc.) included in the master account opening request information is linked to the master account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity check of the master account opening application information, whether the designated account information included in the master account opening application information matches the account ledger stored in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking.

In addition, the validity of the master account opening application information, the customer information (or member information) included in the master account opening application information is a predetermined condition (e.g., company size, company to receive the compensation interest payment service) Revenue, corporate transaction amount, corporate subsidiary number, etc.).

If the validity of the master account opening request information is not authenticated (435), the server generates predetermined master account opening error information and transmits it to the terminal (440), and the master corresponding to the master account opening request information. Do not open an account.

On the other hand, if the validity of the master account opening application information is authenticated (435), the server acquires the predetermined image content corresponding to the master account opening application written by the customer through the predetermined image acquisition device in the terminal and the server A user interface for transmitting to the terminal is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (or communication network) (450).

Thereafter, the terminal acquires image content corresponding to the master account opening application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the master account opening application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (or communication network) (465). .

The server receiving the master account opening request information and the image content from the terminal generates a predetermined master account opening request electronic document including the image content (470).

According to the exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the master account opening request electronic document as it is. desirable.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. It is preferable to generate the master account opening application electronic document with an image file corresponding to the image content included in a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the image content received from the terminal device 170. File, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to generate the master account opening request electronic document.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. Generate image content including the watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. It is preferable to generate the master account opening application electronic document by generating a word processor file including at least one, or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the terminal device 170 and the received master account opening request information. ), 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), to generate the master account opening request electronic document. It is desirable to.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange)) that generates an image content including a watermarking method and includes the generated image content and the master account opening request information. File, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to generate the master account opening request electronic document.

In the technical field to which the present invention pertains, technical features of the server generating a master account opening request electronic document in an image file format or a predetermined document file format, and correspond to the master account opening request electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated master account opening request electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 165 and a predetermined electronic document server 145 linked with a server on the master account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated master account opening request electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165).

Alternatively, when the electronic document storage is provided on the DBMS provided in the master account opening system, the server sends the generated master account opening application electronic document to the electronic document storage on the DBMS provided in the master account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the master account opening request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated master account opening request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the master account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the master account opening request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the master account opening request electronic document, electronic document file format information, or the master account opening request information). And the like).

If the master account opening application electronic document is stored in the electronic document repository (480), the server generates predetermined account ledger information corresponding to the master account opening application information for calculating and paying the reward interest (485). After opening the master account of the customer's name including the account ledger information in association with the financial system (490), a predetermined master account opening history information is generated (or extracted) and transmitted to the terminal (495). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the master account opening application information in connection with the financial system (or matches a customer ledger provided with the customer information. Confirming), generating predetermined ledger information including the master account attribute included in the master account opening application information, and storing the ledger information in the predetermined ledger associated with the customer ledger; It is preferable to open a master account for the compensation interest calculation and payment corresponding to the master account opening application information.

5A and 5B are diagrams illustrating a process of opening a master account for reward interest calculation and payment in a face-to-face manner according to another exemplary embodiment of the present invention.

5a and 5b show a terminal terminal in which the terminal device 170 on the master account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in a financial system linked to a counter terminal through a financial network (or a communication network), a predetermined customer may receive predetermined customer information, designated account information, interest rate information, and subsidiary account information. When a master account opening application form including at least one or more is prepared and submitted to a window provided at a predetermined financial institution, the financial institution may prepare the master account for reward interest calculation and payment in a face-to-face manner based on the master account opening application. It is about the system configuration to open, and in detail, when the customer completes the master account opening application form and submits it to the window, The terminal acquires predetermined image contents corresponding to the master account opening application through a predetermined image obtaining apparatus, inputs (or selects) the master account opening application information corresponding to the master account opening application; When the image paper contents and the master account opening application information are transmitted to the financial institution server 100, the financial institution server 100 includes at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information. The present invention relates to a method of opening a predetermined master account for calculating and paying the reward interest based on the application for opening the master account.

Those skilled in the art to which the present invention pertains, various methods of providing the master account opening application information to the financial company server 100 at the window terminal by referring to or modifying the drawings 5a and 5b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method 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 master account opening application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

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, and in the window terminal The customer information, designated account information, interest rate information, and subsidiary account information transmitted to the financial company server 100 are referred to as "master account opening application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer prepares and submits a master account opening application including at least one of customer information, designated account information, interest rate information, and subsidiary account information, the window terminal shown in FIG. When the user interface (500) requests a user interface corresponding to the master account opening application in connection with a predetermined communication channel connected to the server through a predetermined financial network (or a communication network), the server corresponds to the terminal. Input (or select) master account opening application information corresponding to the master account opening application written by the customer, and acquires predetermined image contents corresponding to the master account opening application through a predetermined image obtaining apparatus to the server. Create (or extract) a user interface for transmission (505) and over the financial network (or communication network) In operation 510, the generated (or extracted) user interface is transmitted to the terminal.

Thereafter, the terminal inputs (or selects) master account opening application information including at least one of the customer information, designated account information, interest rate information, and subsidiary account information through the user interface (515).

If the master account opening application information including at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information is input (or selected) through the user interface (520), the terminal is based on the user interface. In operation 525, image contents corresponding to the master account opening application are obtained through a predetermined image obtaining apparatus.

If image content corresponding to the master account opening application is obtained through the image acquisition device (530), the terminal transmits the master account opening application information and the image content to the server through the financial network (or a communication network). (535).

The customer information includes personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the master account opening system corresponding to the customer by joining as a financial transaction customer of the financial institution) It is preferable to include at least one or more.

The subsidiary account information includes an account number opened corresponding to the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account number corresponding to the account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to comprise a.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

Thereafter, the server receives and reads the master account opening request information including at least one of the customer information, the designated account information, the interest rate information, and the subsidiary account information through the financial network (or the communication network). Validate for (540).

According to the implementation method of the present invention, the validity of the master account opening application information is at least one or more ledger information matching the master account opening application information in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking whether it is registered.

For example, the validity of the master account opening request information may include: the ledger D on the financial system in which the customer information (customer personal information, member information, etc.) included in the master account opening request information is linked to the master account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity check of the master account opening application information, whether the designated account information included in the master account opening application information matches the account ledger stored in the ledger D / B on the financial system associated with the master account opening system It is preferable to include checking.

In addition, the validity of the master account opening application information, the customer information (or member information) included in the master account opening application information is a predetermined condition (e.g., company size, company to receive the compensation interest payment service) Revenue, corporate transaction amount, corporate subsidiary number, etc.).

If the validity of the master account opening request information is not authenticated (545), the server generates predetermined master account opening error information and transmits it to the terminal (550), and corresponds to the master account opening request information. Do not open a new master account.

On the other hand, if the validity of the master account opening request information is authenticated (545), the server generates a predetermined master account opening request electronic document including the image content (555).

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device 170 as the master account opening request electronic document.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. It is preferable to generate the master account opening application electronic document with an image file corresponding to the image content included in a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the image content received from the terminal device 170. File, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to generate the master account opening request electronic document.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. Generate image content including the watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. It is preferable to generate the master account opening application electronic document by generating a word processor file including at least one, or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the terminal device 170 and the received master account opening request information. ), 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), to generate the master account opening request electronic document. It is desirable to.

Alternatively, the server watermarks at least one of customer information, designated account information, interest rate information, and subsidiary account information included in the received master account opening application information on the image content received from the terminal device 170. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange)) that generates an image content including a watermarking method and includes the generated image content and the master account opening request information. File, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to generate the master account opening request electronic document.

In the technical field to which the present invention pertains, technical features of the server generating a master account opening request electronic document in an image file format or a predetermined document file format, and correspond to the master account opening request electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated master account opening request electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 165 and a predetermined electronic document server 145 linked with a server on the master account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated master account opening request electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165).

Alternatively, when the electronic document storage is provided on the DBMS provided in the master account opening system, the server sends the generated master account opening application electronic document to the electronic document storage on the DBMS provided in the master account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the master account opening request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated master account opening request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the master account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the master account opening request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the master account opening request electronic document, electronic document file format information, or the master account opening request information). And the like).

If the master account opening application electronic document is stored in the electronic document repository (565), the server generates predetermined account ledger information corresponding to the master account opening application information for calculating and paying the reward interest (570). After opening the master account of the customer's name including the account ledger information in connection with the financial system (575), a predetermined master account opening history information is generated (or extracted) and transmitted to the terminal (580). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the master account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the master account attribute included in the master account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a master account for the compensation interest calculation and payment.

6 is a diagram illustrating a system for automatically opening a virtual account for reward and payment according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a predetermined nominal balance (amount to be deposited in the opened master account) in the process of opening a master account for compensation and calculation and payment through the master account opening system shown in FIG. Regarding the system configuration for automatically opening a designated account in which the reward interest is deposited into a virtual account, a person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 6 to pay the reward interest Various implementation methods for the virtual account automatic opening system for the configuration may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, when a predetermined virtual account opening request is received from the master account opening system shown in FIG. 1 on the automatic virtual account opening system shown in FIG. 6, at least one of automatically opening a virtual account for the reward interest payment is provided. The component corresponding to the above means or functional configuration is called "virtual account automatic opening server 600".

Referring to FIG. 6 according to an embodiment of the present invention, the system for automatically opening a virtual account for the payment of interest is provided at a financial institution that opens a virtual account for the payment of interest, or interworked with the financial institution. The financial institution has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. do.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices or main offices) of the financial institution through a predetermined financial network (eg, our network). Through a counter terminal, a face-to-face financial transaction service is provided to at least one financial transaction customer, and the financial transaction service includes a financial transaction service for paying the reward interest through opening and operating the virtual account. It is preferable.

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or branch or main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). And provide a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, wherein the financial transaction service includes a financial transaction service for paying the reward interest through opening and operating the virtual account. It is preferable to achieve.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. And a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or a mobile terminal). The financial transaction service provides a financial transaction service for payment of the compensation interest through opening and operating the virtual account. It is preferable to include.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone or a telematics, etc., wherein the financial transaction service opens and closes the virtual account. It is desirable to include the financial transaction service for the compensation interest payment through operation. .

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. It provides a non-face-to-face financial transaction service, the financial transaction service is preferably made by including a financial transaction service for the compensation interest payment through the opening and operation of the virtual account.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for the compensation interest payment through opening and operating the virtual account. desirable.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial transaction service, including the financial transaction service for the compensation interest payment through the opening and operation of the virtual account. .

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , Non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service includes a financial transaction service for payment of the compensation interest through opening and operating the virtual account. It is desirable to achieve this.

Referring to FIG. 6, the financial system is a computer system provided in 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. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood that the detailed description thereof will be omitted for convenience.

The automatic virtual account opening server 600 provided on the virtual account automatic opening system according to the present invention includes at least one server (or device) or a recording medium provided in a predetermined server (or device). It may be implemented by at least one or more programs recorded in the present invention, whereby the present invention is not limited.

Referring to FIG. 6, the automatic opening of the virtual account server 600 includes an information receiving unit 605 which receives a request for automatically opening a virtual account for compensation and payment from the financial institution server 100 shown in FIG. An information generation unit 610 for generating predetermined virtual account ledger information corresponding to the virtual account opened for payment of rewards and payments in response to the automatic virtual account opening request; 1 shows an information storage unit 615 for storing the generated virtual account ledger information in association with an account ledger of a financial account corresponding to the customer financial account (for example, a parent account) associated with an account; and FIG. 1. It is characterized in that it comprises an information transmitter 620 for transmitting to the financial company server 100 or the customer communication means shown in the.

The information receiving unit 605 receives the virtual account automatic opening request information including the predetermined master account opening request customer information through the master account opening system shown in FIG. 1, and receives the received virtual account automatic opening request information. The information generator 610 is provided.

According to the exemplary embodiment of the present invention, the information receiving unit 605 preferably further includes a function of checking the validity of the received virtual account automatic opening request information.

In this case, the validity of the virtual account opening check is that a financial account corresponding to the trade transaction corporate customer account (eg, the parent account) information included in the virtual account automatic opening request information is opened as a real account in the ledger D / B on the financial system. It is preferable to include checking whether it is done.

The information generating unit 610 is a virtual virtual corresponding to the virtual account to be opened for payment of the reward interest to the master account opening request customer based on the virtual account automatic opening request information confirmed through the information receiving unit 605 The account ledger information is generated. The virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system. It is preferred that the account comprises at least one ledger information, which the account must have in order to process at least one or more financial transactions accompanying the customer's compensation and payment.

Those of ordinary skill in the art, at least one that should be included in the account ledger (or virtual account to be equipped to process at least one or more financial transactions involved in compensation and payment of the customer) Since you will be familiar with the structure of the ledger information, a detailed description thereof will be omitted.

The parent account information associated with the virtual account corresponds to a real account associated with a virtual account of the guest name that is automatically generated based on the virtual account opening request information including the master account opening request information of the master account opening request customer. The information corresponding to the mother account, preferably comprises at least one or more account number and account holder information for the mother account already established in the ledger D / B on the financial system.

When the predetermined virtual account ledger information to be included in the virtual account is generated by the information generator 610, the information storage unit 615 is the customer financial account provided in the ledger D / B provided on the financial system ( It generates a predetermined virtual account ledger associated with the account ledger corresponding to the parent account), and stores the generated virtual account ledger information in the virtual account ledger.

7 is a diagram illustrating a virtual account opening process for reward and payment according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a predetermined nominal balance through the automatic virtual account opening system shown in FIG. 6 in the process of opening a master account for reward interest calculation and payment through the master account opening system shown in FIG. Regarding the system configuration for automatically opening a designated account in which a rewarder for the amount of money deposited into the master account to be opened as a virtual account, the person having ordinary knowledge in the technical field to which the present invention belongs, Although various embodiments of the present invention may be inferred by referring to or modifying the drawing of FIG. 7, the present invention includes all the methods of inferring the above, and is shown in FIG. It is not limited only to the implementation method.

Hereinafter, in FIG. 7, the virtual account automatic opening server 600 shown in FIG. 6 is referred to as a “server” for convenience.

Referring to FIG. 7, the server receives virtual account opening request information from the master account opening server on the master account opening system shown in FIG.

If the virtual account establishment request information is stored in a predetermined storage medium (eg, a storage medium provided in the virtual account automatic opening system or in a predetermined storage medium operating means interoperating with the virtual account automatic opening system) In this case, the information receiving process may be replaced with a process of checking the virtual account opening request information stored in the storage medium.

When the virtual account opening request information is received, the server checks the validity of the checked virtual account opening request information (705).

In this case, the validity of the virtual account opening check is that a financial account corresponding to the master account opening request customer account (eg, the mother account) information included in the virtual account opening request information is opened as a real account in the ledger D / B on the financial system. It is preferable to include checking whether it is done.

If the validity to open the virtual account is not authenticated to the trading company customer based on the virtual account opening request information (710), the server automatically opens a virtual account based on the virtual account opening request information. Do not carry out the process.

On the other hand, if the validity of opening the virtual account is authenticated to the trading company customer based on the virtual account opening request information, the server is included in the virtual account opening request information based on the virtual account opening request information. The virtual account ledger information corresponding to the customer is generated (715).

According to an embodiment of the present invention, the server generates predetermined virtual account ledger information corresponding to the virtual account to be opened to the customer based on the virtual account opening request information identified from the storage medium, wherein the virtual account ledger The information is to be included in the parent account information associated with the virtual account, and in the account ledger provided in the ledger D / B provided on the financial system (or at least one financial account in which the virtual account is accompanied by compensation and payment of the customer). It is preferred to include at least one ledger information which must be provided to process the transaction.

Thereafter, the server is connected to the parent account to be linked to the virtual account to be opened in correspondence with the target enterprise customers included in the virtual account opening request information of the at least one account ledger provided on the ledger D / B on the financial system The corresponding account ledger is identified (720).

If the account ledger corresponding to the mother account to be associated with the virtual account to be opened in response to the master account opening request customer included in the virtual account opening request information is confirmed (725),

The server generates a virtual account ledger that is linked to the account ledger of the customer account provided on the ledger D / B on the financial system (730), and corresponds to the customer account to the ledger D / B on the financial system In operation 735, the generated virtual account ledger information is stored in the virtual account ledger generated in association with the account ledger.

8 is a diagram illustrating a master account operating system for processing interest calculation and payment according to an embodiment of the present invention.

In more detail, Figure 8 shows the balance of the subsidiary account of the customer after the master account is opened according to the application for opening a master account of the customer having at least two subsidiary accounts at home and abroad through the master account opening system shown in Figure 1 Check periodically, collect (or offset) the balance of each identified subsidiary account and deposit it in the master account, and calculate compensation interest to be paid to the customer based on the amount deposited in the master account. It is possible to infer various implementation methods for the configuration of a master account management system for depositing the calculated reward interest into a predetermined account (or virtual account) designated by the customer, or investing in a predetermined financial product. The invention includes all implementation methods inferred, and the implementation illustrated in FIG. Only the method is not limited that technical feature.

Referring to FIG. 8 according to an embodiment of the present invention, the master account management system deposits the master account opened through the master account self-opening system shown in FIG. 1 and the reward interest to be calculated through the master account operating system. A financial system for managing and operating the customer designated account (or virtual account) and a predetermined financial product for investing the reward interest, and a master account in connection with the financial system, the balance of the customer subsidiary account periodically Confirm and collect (or offset) the nominal deposit into the master account, calculate the reward interest for the amount deposited in the master account, and calculate the reward to the account (or virtual account) designated by the customer. It is provided with a master account management server 800 for depositing interest or investing in predetermined financial products. Characterized in that eojineun.

In addition, the master account management system at least one or more customer information, designated account information, interest rate information, subsidiary account information provided by the customer in the process of applying for the master account through the master account management system shown in Figure 1 It may further comprise a predetermined storage medium 150 for linking and storing the master account opening application information to be included and the master account information nominally established through the master account management system.

Here, the storage medium 150 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

According to the method of the present invention, the master account management server 800 is the master account opening server 100 on the master account opening system shown in FIG. 1 or the master account opening server 100 in connection with the master account opening server 100. It may be a separate server for operating the master account, whereby the present invention is not limited.

In addition, in FIG. 8, the master account management server 800 functions to periodically check the customer subsidiary account balance in connection with the financial system, and collects (or offsets) the balance for each confirmed customer subsidiary account. A function of depositing into the master account, calculating a reward interest for the amount deposited into the master account, and depositing the calculated reward interest into the account (or virtual account) designated by the customer; Although the figure includes all the functional configurations for investing the calculated reward interest in a predetermined financial product, the present invention is not limited thereto, and the master account management server 800 is separate for each functional configuration. It is clear that this may be done through the server (or device) of the server.

The financial system is a general term of a computer system in which the master account opened through the automatic master account opening system shown in FIG. 1 and at least two customer subsidiary accounts for nominally depositing a predetermined balance to the master account are opened. Basically, at least one window terminal provided at a branch (or a branch or a main office) of the financial institution is connected to a predetermined financial network (eg, a branch network), and at least one through the window terminal. It is possible to provide face-to-face financial transaction services for the above financial transaction customers.

The financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). The financial terminal may provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet connection and browsing function) connected to an 802.16x-based portable Internet, etc., the wireless LAN / portable Internet connection and browsing function A laptop or a mobile terminal, etc.) may be used to provide financial services in a non-face-to-face manner to at least one or more financial transaction customers.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service may be provided to at least one or more financial transaction customers through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Non-face-to-face financial transaction services can be provided.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server The non-face-to-face financial transaction service can be provided to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , Non-face-to-face financial transaction services can be provided to at least one financial transaction customer through a terrestrial DMB terminal.

Referring to FIG. 8, the financial system opens at least one financial account (eg, a parent account and a master account) to at least one financial transaction customer, and based on the financial account, at least one financial transaction service (eg, export). It is a computer system provided to financial institutions to provide services related to trade business such as payment, inquiry, management, etc. To an accounting system for processing, an information system for processing headquarters operations, branch office information support and customer information management, and an interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network. At least one non-face-to-face financial transaction instrument (e.g., an Internet bank) Wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, or provide various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and performs each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing predetermined information (for example, ledger information, customer information, or management information, etc.) required for.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to 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, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

The storage medium 150, the master account opening application information including at least one or more customer information, designated account information, interest rate information, subsidiary account information provided by a predetermined customer through the master account opening system shown in FIG. Information stored in the process of storing the master account information corresponding to the master account opened through the master account opening system and operating the master account through the master account operating system shown in FIG. As a generic term of the storage means for storing the storage medium, according to the embodiment of the present invention, the storage medium 150 and the master account application information and the master account information is stored through the master account opening system shown in FIG. Storage medium in which the master account management information is stored through the master account management system shown in FIG. 50) specifies that it can be configured as a DBMS.

According to another exemplary embodiment of the present invention, when the storage medium 150 does not include the designated account information designated by the customer in the master account opening application information provided by the predetermined customer shown in FIG. It may be configured to further include the virtual account information opened through the automatic virtual account opening system shown in FIG.

According to the method of the present invention, the storage medium 150 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or at least It is noted that it is all possible to be provided on one or more banking systems.

Referring to FIG. 8, the master account management server 800 includes a client terminal and a predetermined network including at least one client terminal including at least one wired terminal or a wireless terminal used by the master account opening application customer. The communication channel is connected via means.

According to an embodiment of the present invention, a customer who is to receive a predetermined reward interest through the master account is the master through at least one or more of the wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When accessing the account management server 800, and input (or select) the master account management history request information for operating the opened master account through at least one user interface provided by the master account management server 800, The client terminal is preferably transmitted to the master account management server 800 provided on the master account management system through a predetermined network means.

According to the implementation method of the present invention, the master account operation history request information, the compensation for the master account opened for payment and payment of the customer comprises at least one or more compensation, calculation history request, compensation and investment history request It features.

According to an embodiment of the present invention, a wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop connected to the TCP / IP based communication network. ) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise at least one or more.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless A wireless data communication terminal connected to the emitter, such as communication network preferably comprises at least one.

The information registration server connected to the client terminal may be any one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or a separate server for registering the information according to the characteristics of the client terminal and network means. It is preferable to include a web server.

The network means for connecting the client terminal and the information registration server may be one of a CDMA-based mobile communication network, an IEEE 802.16x-based mobile Internet, or a DataTAC / Mobitex-based wireless data communication network, depending on the type of wireless communication network to which the client terminal is connected. Either one or more preferably includes all types of wireless communication networks proposed in the future, including a predetermined wireless section.

Also, the client terminal outputs at least one or more user interfaces provided by the information registration server, and inputs or selects at least one or more information through the user interface to transmit the information registration server to the information registration server (eg, a browser). Program and communication function, or a predetermined communication program and communication function for communicating with the information registration server).

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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the master account management system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the master account management server 800 or The wireless communication network performs a function of an information registration interface for the customer to transmit the master account operation history request information.

According to another exemplary embodiment of the present invention, the customer terminal may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), and / or further comprises a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution. Terminals (or servers) (not shown) provided in the above institutions may be further included, whereby the present invention is not limited.

The master account management server 800 provided on the master account management system according to the present invention is a generic term for the master account management system-side components connected to the customer terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server is provided on the internet banking system. A predetermined internet banking server, a program included in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or to the server (or device). A program provided, or a server (or device) provided in the external world on the financial system accessible through the Internet banking server (or the server (or device)), or provided in the external world on the financial system. It may be a program, whereby the present invention is not limited.

According to the embodiment of the present invention, the master account management server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

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

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, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP 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 master account management server 800, the interface unit 805 may be connected with the client terminal based on the TCP / IP protocol. It connects a communication 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 customer terminal is a financial automation device connected to a predetermined financial network, the interface unit 805 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and 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 customer terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 805 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) and a predetermined call path based on the above, and transmitting and receiving the information (or data) based on the voice call.

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

Referring to FIG. 8, the master account management server 800 checks subsidiary account information and master account information of a predetermined customer in connection with a predetermined storage medium 150 and inquires the balance of each confirmed subsidiary account. An information verification unit 820 and an account processor 825 for collecting the identified subsidiary balances nominally and depositing the collected nominal balances into a master account corresponding to the master account information; and the master account. A reward interest calculation unit 830 that calculates a reward interest for the amount nominally deposited, and deposits the calculated reward interest into a predetermined account (or virtual account) designated by the customer, or a predetermined financial product. Investing in the compensation process characterized in that comprises a processing unit 835.

In addition, the master account management server 800 may be configured to further include an information storage unit 840 for storing the compensation interest calculations, compensation interest deposits and financial product investment history in a predetermined storage medium 150. have.

The information checking unit 820 is the master account opening application information and the master account opening, including the customer information, designated account information, interest rate information, subsidiary account information provided from the customer through the master account opening system shown in Figure 1 The master account information established through the system is checked, and the confirmed master account opening application information and master account information are provided to the account processing unit 825.

According to an embodiment of the present invention, the customer information includes the personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the master account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). (Customer Information File) number and the like).

The subsidiary account information includes an account number opened corresponding to the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account corresponding to an account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to include a number.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

According to another exemplary embodiment of the present invention, the information checking unit 820 calculates through the compensation interest calculation unit 830 the master account opening application information provided from the customer through the master account opening system shown in FIG. When the rewarded interest is not included in the designated account information to be deposited, the virtual account information automatically opened through the virtual account automatic opening system shown in FIG.

In addition, the information checking unit 820 is characterized in that the balance for each confirmed customer subsidiary account, and provides the balance for each customer subsidiary to the account processing unit 825.

The account processing unit 825 nominally collects the balances of the identified subsidiary accounts, and deposits the collected nominal balances to the master account corresponding to the master account information nominally. The nominal deposit amount information is provided to the reward interest calculator 830.

The compensation interest calculator 830 calculates a compensation interest for a nominal amount of money deposited into the master account.

According to the implementation method of the present invention, the reward interest calculation unit 830 applies the interest rate information included in the master account opening application information to the amount that has been nominally deposited into the master account, the reward interest to be paid to the customer It is characterized by calculating.

At this time, the interest on the balance of each subsidiary account is not calculated, and it is preferable that the compensation interest is calculated based on a standard (interest rate information) specified by the customer based on the nominal balance of the master account. It should be noted that it is only an embodiment that the interest on the balance of each subsidiary account may be collected and the compensation interest may be calculated using the collected interest.

According to an exemplary embodiment of the present invention, the reward interest calculator 830 may be differentially calculated according to the number of accounts held by the customer, a transaction period, or a transaction amount.

The reward interest processor 835 may deposit the calculated reward interest into a predetermined account (or a virtual account) designated by the customer, or invest in a predetermined financial product.

According to the method of the present invention, the reward interest processing unit 835 in the process of investing the reward interest in a predetermined financial product, the customer communication means (e.g. e-mail, text message, telephone, fax, homepage, blog) , Bulletin board, mini homepage, etc.) may provide predetermined consent request information on the investment (or subscription) of the financial product, and preferably perform the financial product investment processing according to the customer's consent.

According to another exemplary embodiment of the present invention, the consent information for the investment of the financial product of the customer is included in the master account opening application (or application information) provided by the customer in the process of opening a master account through the master account opening system of FIG. In this case, the reward interest processor 835 may omit the process of providing the customer consent request information for the financial product investment.

Referring to FIG. 8, the master account management server 800 connects a communication channel with a master account management server 800 through the interface unit 805, and then the interface unit 805. And generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined reward, output history request information, and reward interest investment history request information from the client terminal and providing the same to the client terminal. Interface provided with the interface unit 810 and the interface unit 805, the predetermined reward, calculation history request information, compensation and investment history request information input (or selected) transmitted through the user interface from the customer terminal; A receiving information receiving unit 815, the received compensation interest calculation details request information, the compensation interest calculation details information corresponding to the compensation interest investment details request information, Compensation and investment information characterized in that it comprises an information transmission unit 817 for transmitting to the customer terminal.

The interface providing unit 810 connects a communication channel with the master account management server 800 through the interface unit 805, and then compensates for the functional configuration provided in the customer terminal. Generate a predetermined user interface for inputting (or selecting) interest calculation request information and reward interest investment request information to the master account management server 800 through the network means, or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the customer terminal through the network means in association with the interface unit 805.

According to another embodiment of the present invention at least one user interface for inputting (or selecting) the compensation interest calculation request, compensation interest investment history request information to the information registration server via the network means to the customer terminal; When the predetermined information registration program is provided, the interface providing unit 810 for providing the user interface to the customer terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 815 inputs (or selects) compensation and calculation details request information and compensation and investment details request information through the user interface through the user interface, and transmits the information through the network means. And receiving the compensation interest calculation details request information, the compensation interest investment details request information, and the received compensation interest calculation details request information and compensation interest investment details request information to the information verification unit 820 to provide.

The information checking unit 820 stores the compensation interest calculation history request information, the compensation interest calculation history information or the compensation interest investment information corresponding to the compensation interest calculation request information received through the information receiving unit 815, and the storage medium. It confirms from 150. It is characterized by the above-mentioned.

The information transmitter 817 may provide the compensation, calculation history information, and compensation and investment history information identified through the information verification unit 820 to the customer terminal through the interface unit 805.

9 is a diagram illustrating a master account operating process for calculating interest and calculating payment according to an embodiment of the present invention.

In more detail, Figure 9 shows the balance of the subsidiary account of the customer after the master account is opened in accordance with the application for opening a master account of the customer having at least two subsidiary accounts at home and abroad through the master account opening system shown in Figure 1 Check periodically, collect (or offset) the balance of each identified subsidiary account and deposit it in the master account, and calculate compensation interest to be paid to the customer based on the amount deposited in the master account. In addition, the present invention may infer various implementation methods for a master account operation process of depositing the calculated reward interest into a predetermined account (or virtual account) designated by the customer, or investing in a predetermined financial product. Is made including all the inferred implementation methods, the implementation method shown in FIG. The technical feature is not limited.

Hereinafter, in FIG. 9, the customer terminal shown in FIG. 8 will be referred to as "terminal" for convenience, and the master account operation server 800 shown in FIG. 8 will be referred to as "server" for convenience.

Referring to FIG. 9, the server provides master account opening application information and customer information including customer information, designated account information, interest rate information, and subsidiary account information provided from the customer through the master account opening system shown in FIG. The master account information established through the account opening system is checked (900).

According to an embodiment of the present invention, the customer information includes the personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the master account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). (Customer Information File) number and the like).

The subsidiary account information includes an account number opened corresponding to the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account number corresponding to the account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to comprise a.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

According to another exemplary embodiment of the present invention, the server may designate a reward account for depositing the reward interest calculated through the master account operating system on the master account opening application information provided from the customer through the master account opening system shown in FIG. When the information is not included, the virtual account information automatically opened through the automatic virtual account opening system shown in FIG. 6 is further characterized.

The server nominally aggregates the identified subsidiary account balances, and deposits the collected nominal balances to the master account corresponding to the master account information nominally (905), and the nominally deposited amount to the master account. Compensation interest is calculated for (910).

According to an embodiment of the present invention, the server calculates a compensation interest to be paid to the customer by applying interest rate information included in the master account opening application information to the amount of nominal deposit to the master account. Here, the server does not calculate the interest on the balance of each subsidiary account, the compensation interest is preferably calculated based on the customer specified criteria (interest rate information) based on the nominal balance of the master account, which is one It is merely an embodiment of the above, it is specified that the interest on the balance of each subsidiary account may be collected, and the reward interest may be calculated using the collected interest.

When the reward interest for the amount nominally deposited into the master account is calculated, the server deposits the calculated reward interest into a predetermined account (or virtual account) designated by the customer (915).

If there is a predetermined financial product investment request for the calculated reward interest (920), the server, in connection with a predetermined financial product processing server, invests the calculated reward interest in the predetermined financial product ( 925).

Here, the financial instrument investment processing using the reward interest is a predetermined threshold amount (e.g., a predetermined threshold amount of a subscription to a financial instrument or a threshold amount set to enable the subscription of a financial instrument in consultation with the customer). It can be determined by.

According to the method of the present invention, the server is in the process of investing the reward interest in a predetermined financial product, the customer communication means (e.g. e-mail, text message, telephone, fax, homepage, blog, bulletin board, mini homepage) Etc.) may provide predetermined consent request information for the investment (or subscription) of the financial product, and preferably perform the financial product investment processing according to the customer's consent.

According to another exemplary embodiment of the present invention, the consent information for the investment of the financial product of the customer is included in the master account opening application (or application information) provided by the customer in the process of opening a master account through the master account opening system of FIG. In this case, the server may omit the process of providing customer consent request information for the financial product investment.

Thereafter, the server stores the compensation interest calculation history, the compensation interest deposit history, and the financial product investment history in a predetermined storage medium 150.

10 is a diagram illustrating a process of providing a reward interest calculation and payment processing history to a customer according to an exemplary embodiment of the present invention.

Referring to FIG. 10, the terminal shown in FIG. 8 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, or Access to the server via an IEEE 802.16x-based mobile Internet, etc.) and inquire (or request) predetermined account operations (e.g., compensation interest calculation, compensation interest processing, etc.) for the master account. When a predetermined communication channel is connected to provide request information, and a request for registration of the master account operation history request information is requested (1000), the server corresponds to a web corresponding to a predetermined information registration interface for registering the master account operation history request information. A page is generated (or extracted) (1005), and the generated (or extracted) web page is transmitted to the terminal for output through the communication channel (1010).

According to an embodiment of the present invention, the information registration interface inputs master account operation history request information for inquiring operation history (eg, compensation interest calculation history, compensation interest processing history, etc.) for the master account at the terminal ( Or a user interface).

In addition, the web page transmission or output process is preferably performed at least once according to the master account operation history request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) master account operation history request information for inquiring (or requesting) operation history for the master account through the information registration interface (1015).

If the terminal inputs (or selects) master account operation history request information for inquiring (or requesting) operation history for the master account through the information registration interface (1020), the terminal receives the communication channel. The input (or selected) the master account operation history request information is transmitted to the server (1025).

According to an embodiment of the present invention, transmitting the input (or selected) master account operation history request information to the server through the communication channel, the master account operation history input (or selected) through the information registration interface The request information may be further transmitted through an electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the master account operation history request information through the communication channel (1030), and confirms the master account operation history corresponding to the master account operation history request information from the storage medium 150. (1035).

The server generates (or extracts) a web page including the master account operation history information identified from the storage medium 150 and transmits the generated web page to the terminal (1040).

11 is a diagram illustrating a master account operating system for processing reward interest and calculating payment according to another embodiment of the present invention.

More specifically, Figure 11 shows the balance of the subsidiary account of the customer after the master account is opened according to the application for opening a master account of the customer having at least two subsidiary accounts at home and abroad through the master account opening system shown in Figure 1 above. And periodically checking interest rates and interests, collecting (or offsetting) the balances of the identified subsidiary accounts and depositing them in the master account, and collecting the interests of the subsidiary accounts of the customer and the master account. Compensating interest to be paid to the customer by subtracting interest from the deposited amount, depositing the calculated reward interest into a predetermined account (or virtual account) designated by the customer, or investing in a predetermined financial product. Various implementation methods for the configuration of the master account operation system may be inferred, but the present invention infers the above. Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 11.

Referring to FIG. 11 according to the embodiment of the present invention, the master account management system deposits a master account opened through the master account self-opening system shown in FIG. 1 and a reward interest to be calculated through the master account operating system. A financial system for managing and operating the customer designated account (or virtual account) and a predetermined financial product for investing the reward interest, and a master account in connection with the financial system, the balance of the customer subsidiary account periodically Confirm, collect (or offset) the nominal deposit into the master account, calculate the reward interest for the amount deposited in the master account, and calculate the reward to the account (or virtual account) designated by the customer. It is provided with a master account management server 1100 for depositing interest or investing in a predetermined financial product. Characterized in that made.

In addition, the master account management system at least one or more customer information, designated account information, interest rate information, subsidiary account information provided by the customer in the process of applying for the master account through the master account management system shown in Figure 1 It may further comprise a predetermined storage medium 150 for linking and storing the master account opening application information to be included and the master account information nominally established through the master account management system.

Here, the storage medium 150 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

According to the method of the present invention, the master account management server 1100 is the master account opening server 100 on the master account opening system shown in FIG. 1, or in conjunction with the master account opening server 100 It may be a separate server for operating the master account, whereby the present invention is not limited.

In addition, in FIG. 11, the master account management server 1100 periodically checks the balance, interest rate, and interest of the customer's subsidiary account in connection with the financial system, and the balance of each confirmed subsidiary account. A function of collecting (or offsetting) the deposit into the master account and calculating interest on the subsidiary account of the customer and subtracting interest from the amount deposited into the master account to calculate compensation interest to be paid to the customer. Although it includes a function and a function configuration for depositing the calculated reward interest to a predetermined account (or a virtual account) designated by the customer or investing in a predetermined financial product, the present invention is limited. The master account management server 1100 may be configured through a separate server (or device) for each functional configuration. It is clear that it can.

The financial system is a general term of a computer system in which the master account opened through the automatic master account opening system shown in FIG. 1 and at least two customer subsidiary accounts for nominally depositing a predetermined balance to the master account are opened. Basically, at least one window terminal provided at a branch (or a branch or a main office) of the financial institution is connected to a predetermined financial network (eg, a branch network), and at least one through the window terminal. It is possible to provide a face-to-face financial transaction service to the above-described financial transaction customers, the detailed description of the financial system will be described with reference to FIG.

The storage medium 150, the master account opening application information including at least one or more customer information, designated account information, interest rate information, subsidiary account information provided by a predetermined customer through the master account opening system shown in FIG. Information stored in the process of storing the master account information corresponding to the master account opened through the master account opening system and operating the master account through the master account operating system shown in FIG. As a generic term of the storage means for storing the storage medium, according to the embodiment of the present invention, the storage medium 150 and the master account application information and the master account information is stored through the master account opening system shown in FIG. Storage medium in which the master account management information is stored through the master account management system shown in FIG. 150 specifies that it can be configured as a DBMS.

According to another exemplary embodiment of the present invention, when the storage medium 150 does not include the designated account information designated by the customer in the master account opening application information provided by the predetermined customer shown in FIG. It may be configured to further include the virtual account information opened through the automatic virtual account opening system shown in FIG.

According to the method of the present invention, the storage medium 150 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or at least It is noted that it is all possible to be provided on one or more banking systems.

Referring to FIG. 11, the master account management server 1100 may include a client terminal and at least one predetermined network including at least one client terminal including at least one wired terminal or a wireless terminal used by the master account opening application customer. The communication channel is connected via means.

According to an embodiment of the present invention, a customer who is to receive a predetermined reward interest through the master account is the master through at least one or more of the wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. After accessing the account management server 1100 and inputting (or selecting) master account operation history request information for operating the opened master account through at least one user interface provided by the master account management server 1100, It is preferable to transmit from the client terminal to the master account management server 1100 provided on the master account management system through a predetermined network means.

According to an embodiment of the present invention, the master account operation history request information comprises at least one of a reward and calculation details request and a compensation and investment history request for the master account opened for payment and payment of the customer. It is characterized by.

According to an embodiment of the present invention, a wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop connected to the TCP / IP based communication network. ) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise at least one or more.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics ( Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless A wireless data communication terminal connected to the emitter, such as communication network preferably comprises at least one.

The information registration server connected to the client terminal may be any one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or a separate server for registering the information according to the characteristics of the client terminal and network means. It is preferable to include a web server.

The network means for connecting the client terminal and the information registration server may be one of a CDMA-based mobile communication network, an IEEE 802.16x-based mobile Internet, or a DataTAC / Mobitex-based wireless data communication network, depending on the type of wireless communication network to which the client terminal is connected. Either one or more preferably includes all types of wireless communication networks proposed in the future, including a predetermined wireless section.

Also, the client terminal outputs at least one or more user interfaces provided by the information registration server, and inputs or selects at least one or more information through the user interface to transmit the information registration server to the information registration server (eg, a browser). Program and communication function, or a predetermined communication program and communication function for communicating with the information registration server).

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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the master account management system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the master account management server 1100 or The wireless communication network performs a function of an information registration interface for the customer to transmit the master account operation history request information.

According to another exemplary embodiment of the present invention, the customer terminal may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), and / or further comprises a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution. Terminal (or server) (not shown) provided in the engine of the above may be further included, whereby the present invention is not limited.

The master account management server 1100 provided on the master account management system according to the present invention is a generic term for the master account management system-side components connected to the customer terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server is provided on the internet banking system. A predetermined internet banking server, a program included in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to an embodiment of the present invention, the master account management server 1100 is characterized in that it comprises an interface unit 1105 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1105 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP 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 master account management server 1100, the interface unit 1105 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication 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 customer terminal is a financial automation device connected to a predetermined financial network, the interface unit 1105 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 and 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 customer terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1105 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

Referring to FIG. 11, the master account management server 1100 checks subsidiary account information and master account information of a predetermined customer in connection with a predetermined storage medium 150, and checks the balances, interest rates and An information verification unit 1120 for inquiring (confirming) interest, and an account processing unit for collecting the nominal balances of the subsidiary accounts, and depositing the collected nominal balances into a master account corresponding to the master account information; 1125), a reward interest calculator 1130 which calculates a reward interest to be paid to the customer by subtracting interest from the value collected by the subsidiary account of the customer and the amount deposited in the master account; It includes a compensation interest processing unit 1135 for depositing a reward interest into a predetermined account (or virtual account) designated by the customer, or investing in a predetermined financial product. And that is characterized.

In addition, the master account management server 1100 may be configured to further include an information storage unit 1140 for storing the compensation interest calculations, compensation interest deposits and financial product investment history in a predetermined storage medium 150. have.

The information checking unit 1120 is a master account opening application information including the customer information, designated account information, interest rate information, subsidiary account information provided from the customer through the master account opening system shown in Figure 1 and the master account opening Confirming the master account information opened through the system, and also confirming the customer subsidiary account information and the balance for each of the customer subsidiary accounts; and checking the confirmed master account information and the balance information for each customer subsidiary. It is provided to the processing unit 1125.

According to an embodiment of the present invention, the customer information includes the personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the master account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). (Customer Information File) number and the like).

The subsidiary account information includes an account number opened corresponding to the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account number corresponding to the account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to comprise a.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

According to another exemplary embodiment of the present invention, the information checking unit 1120 calculates through the compensation interest calculating unit 1130 the master account opening application information provided from the customer through the master account opening system shown in FIG. When the rewarded interest is not included in the designated account information to be deposited, the virtual account information automatically opened through the virtual account automatic opening system shown in FIG.

The account processing unit 1125 nominally collects the balances of the identified subsidiary accounts, and deposits the collected nominal balances in a nominal manner into a master account corresponding to the master account information. The nominal amount of the deposited payment information is provided to the reward interest calculator 1130.

The reward interest calculation unit 1130 applies an interest rate (eg, an interest rate included in the master account opening application information, etc., to the amount nominally deposited into the master account) to the amount deposited into the master account and interest It is characterized by calculating the.

In addition, the compensation interest calculation unit 1130 collects (or offsets) the interest of each confirmed subsidiary account and subtracts the calculated interest on the value and the amount deposited in the master account to pay the compensation interest to the customer. And calculating the reward interest information and providing the reward interest information to the reward interest processor 1135.

The reward interest processor 1135 deposits the calculated reward interest into a predetermined account (or virtual account) designated by the customer, or invests in a predetermined financial product.

According to the method of the present invention, the reward interest processor 1135, in the process of investing the reward interest in a predetermined financial product, the customer communication means (e.g., e-mail, text message, telephone, fax, homepage, blog) , Bulletin board, mini homepage, etc.) may provide predetermined consent request information on the investment (or subscription) of the financial product, and preferably perform the financial product investment processing according to the customer's consent.

According to another exemplary embodiment of the present invention, the consent information for the investment of the financial product of the customer is included in the master account opening application (or application information) provided by the customer in the process of opening a master account through the master account opening system of FIG. In this case, the reward interest processor 1135 may omit the process of providing the customer consent request information for the financial product investment.

Referring to FIG. 11, the master account management server 1100 connects a communication channel with a master account management server 1100 through the interface unit 1105 and then the interface unit 1105. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined reward, calculation history request information, and reward interest investment history request information from the client terminal and providing the same to the client terminal. Receives predetermined reward, calculation history request information, and reward interest investment history information inputted (or selected) and transmitted from the client terminal through the user interface in conjunction with the provider 1110 and the interface unit 1105. Compensation and calculation details corresponding to the information receiving unit 1115, the received compensation interest calculation details request information, compensation interest investment details request information And an information transmitter 1117 which transmits information, compensation and investment history information to the customer terminal.

The interface providing unit 1110, after a predetermined customer terminal connects the communication channel with the master account management server 1100 through the interface unit 1105, the compensation corresponding to the functional configuration provided in the customer terminal Generate a predetermined user interface capable of inputting (or selecting) interest calculation request information and reward interest investment request information to the master account management server 1100 through the network means, or a predetermined database ( And extracts the generated (or extracted) user interface to the customer terminal through the network means in association with the interface unit 1105.

According to another embodiment of the present invention at least one user interface for inputting (or selecting) the compensation interest calculation request, compensation interest investment history request information to the information registration server via the network means to the customer terminal; When the predetermined information registration program is provided, the interface providing unit 1110 for providing the user interface to the customer terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 1115 inputs (or selects) compensation and calculation details request information and compensation and investment details request information through the user interface through the user interface, and transmits the information through the network means. And receiving the reward interest calculation details request information, the reward interest investment history request information, and the received reward interest calculation history request information and the reward interest investment history request information to the information verification unit 1120. to provide.

The information checking unit 1120 stores the compensation interest calculation details request information, the compensation interest calculation information corresponding to the compensation interest calculation information or the compensation interest investment information received through the information receiving unit 1115, or the investment history information. It is characterized by checking from the medium 150.

The information transmission unit 1117 may provide the compensation, calculation history information, and compensation and investment history information identified through the information confirmation unit 1120 to the customer terminal through the interface unit 1105.

FIG. 12 is a diagram illustrating a master account operation process for calculating interest and calculating payment according to one embodiment of the present invention.

More specifically, Figure 12 shows the balance of the subsidiary account of the customer after the master account is opened in accordance with the application for opening a master account of the customer having at least two subsidiary accounts at home and abroad through the master account opening system shown in Figure 1 And periodically checking interest rates and interests, collecting (or offsetting) the balances of the identified subsidiary accounts and depositing them into the master account, and collecting the interests of the customer's subsidiary accounts and the master account. Compensating interest to be paid to the customer by subtracting interest from the deposited amount, depositing the calculated reward interest into a predetermined account (or virtual account) designated by the customer, or investing in a predetermined financial product. Various implementation methods for the master account operation process may be inferred, but the present invention is inferred from the above Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 11.

Hereinafter, in FIG. 12, the customer terminal shown in FIG. 11 will be referred to as "terminal" for convenience, and the master account operation server 1100 shown in FIG. 11 will be referred to as "server" for convenience.

Referring to FIG. 12, the server provides the master account opening application information and the master account including customer information, designated account information, interest rate information, and subsidiary account information provided from the customer through the master account opening system shown in FIG. The master account information established through the establishment system is confirmed (1200).

According to an embodiment of the present invention, the customer information includes the personal information of the customer (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the master account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). (Customer Information File) number and the like).

The subsidiary account information includes an account number opened corresponding to the subsidiary of the customer, and the balance of the subsidiary account is preferably nominally summed into a master account opened through the master account opening system.

The designated account information is a nominal offset of the balance of the at least two subsidiary accounts, and then an account number corresponding to the account where the interest of interest for the offset of the offset nominal balance (the amount deposited into the opened master account) is deposited. It is preferable to comprise a.

The interest rate information includes an interest rate to be applied to a master account opened through the master account opening system, and is used to calculate a compensation interest for the offset nominal balance (amount deposited into the opened master account). It is preferable.

According to another exemplary embodiment of the present invention, the server may designate a reward account for depositing the reward interest calculated through the master account operating system on the master account opening application information provided from the customer through the master account opening system shown in FIG. When the information is not included, the virtual account information automatically opened through the automatic virtual account opening system shown in FIG. 6 is further characterized.

The server nominally collects the remaining balances of the subsidiary accounts, and nominally deposits the collected nominal balances into a master account corresponding to the master account information (1205), and then deposits the nominal deposits into the master account. Calculate interest for 1212.

According to an exemplary embodiment of the present invention, the server calculates the interest for the master account by applying interest rate information included in the master account opening application information to the amount of nominal deposit to the master account.

When the compensation interest for the amount nominally deposited into the master account is calculated, the server collects (or offsets) the interest for each subsidiary account, and calculates the calculated master account interest for the subsidiary interest collection (or offset). The deduction is calculated to calculate the reward interest (1215).

In operation 1220, the server deposits the calculated reward interest into a predetermined account (or virtual account) designated by the customer.

If there is a predetermined financial product investment request for the calculated reward interest (1225), the server, in connection with a predetermined financial product processing server, invests the calculated reward interest in the predetermined financial product ( 1230).

Here, the financial instrument investment processing using the reward interest is a predetermined threshold amount (e.g., a predetermined threshold amount of a subscription to a financial instrument or a threshold amount set to enable the subscription of a financial instrument in consultation with the customer). It can be determined by.

According to the method of the present invention, the server in the process of investing the reward interest in a predetermined financial product, the customer communication means (e.g., e-mail, text message, telephone, fax, homepage, blog, bulletin board, mini homepage) Etc.) may provide predetermined consent request information for the investment (or subscription) of the financial product, and preferably perform the financial product investment processing according to the customer's consent.

According to another exemplary embodiment of the present invention, the consent information for the investment of the financial product of the customer is included in the master account opening application (or application information) provided by the customer in the process of opening a master account through the master account opening system of FIG. In this case, the server may omit the process of providing customer consent request information for the financial product investment.

Thereafter, the server stores the reward interest calculation history, the reward interest deposit history, and the financial product investment history in a predetermined storage medium 150 (1235).

Figure 13 illustrates a compensation and calculation example screen according to an embodiment of the present invention.

In more detail, FIG. 13 is an embodiment of a method for calculating a predetermined reward interest to be provided to a given customer by using a master account opened through the master account opening system shown in FIG. Those skilled in the art will be able to infer various implementation methods for calculating the compensation interest by referring to or modifying the drawing 13, but the present invention includes all the implementation methods that are inferred. It is not limited to the implementation method shown in FIG.

Figure 13 (a) is the balance of the subsidiary account of the customer after the master account is opened according to the application for opening a master account of the customer having at least two or more subsidiary accounts at home and abroad through the master account opening system shown in Figure 1 Periodically checking the balance, collecting (or offsetting) the balances of the identified subsidiary accounts, depositing them in the master account, and calculating compensation interest to be paid to the customer based on the amount deposited in the master account. As an illustration, (a) shown in the figure calculates the interest daily based on the master account balance, does not calculate the child for the subsidiary account balance, the interest amount based on the master balance may be allocated based on the criteria specified by the customer. .

FIG. 13B shows a subsidiary account of the customer after the master account is opened according to the application for opening a master account of a customer having at least two domestic and foreign subsidiary accounts through the master account opening system shown in FIG. Periodically check balances, interest rates and interests, collect (or offset) balances for each of the identified subsidiary accounts, deposit them into the master account, and collect the interest for each customer's subsidiary account and the master account An embodiment of calculating a compensation interest to be paid to the customer by subtracting interest from the amount deposited in the bank. The compensation interest may be calculated on a daily basis after a nominal offset, and also based on the actual balance of each subsidiary account. It is characterized in that the bill to the account.

In addition, (b) deposits the total amount of interest in the real account and the amount deducting the interest in the master account into the account designated by the customer.

14 is a diagram illustrating a screen for providing a customer with compensation interest calculation and payment processing according to an exemplary embodiment.

Referring to Figure 14, the terminal shown in Figure 8 is a predetermined network means (for example, if the terminal is a wired terminal, TCP / IP based wired communication network, if the terminal is a wireless terminal, CDMA based mobile communication network, or Accessing the server via an IEEE 802.16x-based mobile Internet, etc.) and inquiring (or requesting) a predetermined account operation history (e.g., compensation interest calculation history, compensation interest processing history, etc.) for the master account. In the process of connecting a predetermined communication channel to provide details request information, and requesting the master account operation history request request, the server provides the master account operation history information including the master account operation history to the customer terminal Exemplary display screen for providing master account management information displayed.

According to the present invention, it is possible to attract customers' funds and prevent departure through account balance-based compensation and processing method and system.

In addition, there is an advantage in that it can preoccupy the competition with differentiated services.

Claims (1)

Information storage means for linking one or more subsidiary account information, virtual account information for which a balance of the subsidiary account is nominally deposited, and designated account information for which a reward interest for the subsidiary account balance is to be deposited, and storing the information in a storage medium; Information checking means for periodically checking balances of the one or more subsidiary accounts; Information processing means for nominally collecting balances of the at least one subsidiary account identified, and nominally depositing the collected nominal balances into the virtual account; Compensation interest calculation means for calculating a compensation interest for the amount nominally deposited into the virtual account; And Account balance-based compensation interest processing system, characterized in that it comprises a; compensation and processing means for depositing the calculated compensation interest to the designated account.

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