KR20110055942A - Method and apparatus for operating reserve fund account in bank server, and computer readable medium thereof - Google Patents

Abstract

PURPOSE: A method and apparatus for operating a reserve fund account in a bank server, and a computer readable medium thereof are provided to additionally manage a deposit interest by allocating the accumulated money stored in a mother account to sub accounts. CONSTITUTION: An accumulated money deposit subscription processor(112) receives and processes the deposit service request accumulated in a mother account. If the accumulated money is deposited to the mother account, a sub account allocator(114) allocates the sub accounts to the client who deposits the accumulated money. A sub account processor(116) deposits the accumulated deposits to the sub accounts.

Description

Method and apparatus for operating reserve fund account in bank server, and computer readable medium, including the method, device, and program for executing the deposit deposit account in a bank server.

The present invention relates to a method, a device and a recording medium for operating a deposit deposit account, and more particularly, bidding / auction deposits of government and public institutions by returning the deposit interests arising from the deposits deposited in the parent account to each depositor equally. How to operate a savings account on a bank server that facilitates the opening of accounts for storing funds, storing joint investments by governments, etc. A computer readable recording medium having recorded thereon an apparatus and a program for executing the method.

When countries and public institutions collect and return transaction deposits such as bids and auctions, it is quite difficult to calculate deposit interest for each bidder. Therefore, the deposit bank of the transaction deposit only returns the transaction deposit principal, which may result in a complaint of the bidder.

In addition, various groups / associations / clubs have difficulty managing the return of dues for the withdrawn members since it is impossible to calculate interest generated for each member's membership period when the membership is withdrawn.

In addition, since the special interest rate is applied according to the size of the deposit, the small depositor has a relatively low interest rate compared to the high depositor, there is a problem that can cause a large complaint of the small depositor.

In addition, the conventional meeting / dues passbook, etc. may use a virtual account for the deposit, but this is only a simple storage-only account provided limited to the depositor verification function, there is a problem that the merchandise and utility is extremely poor.

The technical problem to be solved by the present invention is a transaction deposit such as bidding / auctions in the state, public institutions, etc., the receipt of joint investments of the government, such as the government is divided into two, or dues paid by members from various organizations / associations / clubs, etc. Likewise, it is possible to open an account for depositing reserves by assisting multiple clients to equally return deposit interest earned from the amount accumulated in a single mother account (hereinafter referred to as 'reserve') for a given purpose. It is to provide a method, a device and a record medium to operate a deposit account to induce the financial support and to resolve the customer's complaint.

In addition, the technical problem to be solved by the present invention, a plurality of small depositors to support a high interest rate benefits through a joint purchase account, a method and apparatus for operating a deposit deposit account to secure a plurality of deposits and customers And a recording medium.

In addition, the technical problem to be solved by the present invention is a method, apparatus and method for operating a deposit deposit account to transparently manage the funds for members, such as the association, to improve the rights of member customers and transparency of the funds management of the association and It is to provide a recording medium.

In order to solve the above technical problem, a method of operating a deposit deposit account in a bank server according to an embodiment of the present invention, the process of receiving a subscription deposit service request for the parent account subscription processing; When the reserve is deposited into the mother account, allocating a sub account attached to the mother account to the customer who deposited the reserve, and registering the mother account and the sub account in association with the ledger; Depositing the deposit deposited in the mother account into a sub account assigned to the customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And when the mother account or the sub account expires or terminates, withdrawing the deposit deposited in the sub account and the deposit interest generated in the sub account or transferring it to another account of the customer. It features.

The deposit deposit service application may be received through a wired / wireless communication network including internet banking, mobile banking, or phone banking, or a bank terminal directly connected to the bank server.

Receiving and applying for a deposit deposit service request for the parent account includes receiving reference information indicating a criterion for allocating the sub accounts, wherein the reference information includes a depositor's name, a depositor's account number, and a depositor. It may include at least one of a telephone number, or a depositor social security number.

The method may further include saving information deposited in the mother account, deposit interest generated in the parent account, deposits deposited in the sub account, and current information regarding deposit interest generated in the sub account. It may further comprise the step of providing.

The method may further include recording in the ledger reflecting the result of the withdrawal process or the transfer process for the parent account.

The method may further include providing a result of the withdrawal process or the transfer process to the account holder terminal of the parent account or the terminal of the customer.

In addition, in order to solve the above technical problem, the bank device according to an embodiment of the present invention operating device of the deposit account account reserve deposit subscription processing unit for receiving and processing the deposit deposit service request for the parent account; A sub account allocator configured to allocate a sub account attached to the mother account to the customer who deposits the reserve, and associate the mother account with the sub account to register in the ledger; A sub account management unit which deposits the deposit deposited in the mother account into a sub account assigned to the customer, records the deposit in the ledger, and independently calculates deposit interest generated in the sub account; And a withdrawal processing unit for withdrawing or depositing deposits deposited in the sub account and depositing the deposit interest generated in the sub account when the mother account or the sub account is expired or terminated or transferred to another account of the customer. It features.

In addition, in order to solve the above technical problem, the computer-readable recording medium recording the program for executing the method of operating the deposit deposit account in the bank server according to an embodiment of the present invention is a deposit deposit for the parent account Receiving a service request and processing a subscription; When the reserve is deposited into the mother account, allocating a sub account attached to the mother account to the customer who deposited the reserve, and registering the mother account and the sub account in association with the ledger; Depositing the deposit deposited in the mother account into the sub account assigned to the customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And when the mother account or the sub account expires or terminates, withdrawing the deposit deposited in the sub account and the deposit interest generated in the sub account or transferring it to another account of the customer. It is done.

According to an embodiment of the present invention, by assigning a sub-account for each customer to the deposits accumulated in the parent account by managing the deposit interest separately, to induce the opening of the account for depositing deposits and to resolve the complaints of customers It can be effective.

In addition, according to an embodiment of the present invention, a plurality of small depositors have the effect of inducing the establishment of a joint purchase account to enjoy a high interest rate benefits.

In addition, according to an embodiment of the present invention, there is an effect that the money management for members such as associations can be made transparent, and the rights of member customers and the transparency of the money management of the associations can be improved.

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

1 is a block diagram showing an entire reserve operating system including a reserve deposit account operating apparatus according to an embodiment of the present invention.

Referring to FIG. 1, a reserve operating system according to an embodiment of the present invention includes a bank server 100, a customer terminal 150: 152, 154, 156, 158, and a bank terminal 160: 162, 164. The bank server 100 and the customer terminal 150 are connected to each other through a network 132 such as an internet network, a mobile communication network, or a telephone line. The bank server 100 and the bank terminal 160 are connected to each other through a dedicated communication network 142.

The customer terminal 150 is a terminal for accessing the bank server 100 through internet banking, mobile banking, or phone banking, and performing general financial transactions such as deposits, withdrawals, and transfers. The customer terminal 150 may be, for example, a personal computer, a mobile phone, a PDA, a landline phone, or the like.

Among the customer terminals 150, the mother account holder terminal 152 transmits a deposit deposit service application for the mother account to the bank server 100 via the network 132.

Here, the parent account holder can receive a high interest rate, for example, in a country or a public institution that holds a transaction deposit such as a bid or auction, or a group, an association, a club, or a plurality of small depositors who receive a dues paid by a member. It may be the account holder of the joint purchase account that receives the small deposits in the joint purchase account opened to enjoy the. In addition, reserve deposit service application means that the account holder of the mother account to apply for the service to the deposit deposit account operating apparatus and method according to the present invention.

In addition, the customer terminals 154, 156, 158, except for the mother account holder terminal 152, are terminals connected to a bidder / auctioner who wants to pay a bid / auction deposit to a state or a public institution, or pay a joint investment support when the payer is divided. The terminal may be a terminal connected by a government, a co-investor, or the like, a terminal connected by a member who wants to pay a membership fee to various organizations, associations, or clubs, or a terminal connected by a small depositor who wants to make a small deposit to a joint purchase account. .

The bank terminal 160 is a terminal installed at a bank window and connected to the bank server 142 through a dedicated communication network 142. The bank terminal 160 may be, for example, a personal computer or an ATM for a bank teller. The parent account holder may transmit a deposit deposit service application for the parent account to the bank server 100 through the bank terminal 160.

Bank server 100 is a device for processing a variety of financial transactions, including deposits, withdrawals, transfers, etc. at the request of the customer terminal 150 or the bank terminal 160, and also deposited from a plurality of customers in accordance with the present invention It is a device that processes the sub account management for the reserve. To this end, the bank server 100 includes a deposit account management device 110, a bank database 120, a network interface 130, and a communication interface 140.

The network interface 130 is a device for connecting the customer terminal 150 and the bank server 100 through the network 132.

The communication interface 140 is a device for connecting the bank terminal 160 and the bank server 100 through a dedicated communication network 142.

Reserve deposit account management device 110 is a device for separately managing the deposit interest by assigning a sub-account for each customer for the deposits accumulated in the mother account according to the application of the parent account holder, reserve deposit subscription processing unit 112 ), A sub account assigning unit 114, a sub account operating unit 116, and a withdrawal processing unit 118.

Reserve deposit subscription processing unit 112 receives a deposit deposit service application for the parent account from the mother account holder terminal 152 or the bank terminal 160 to subscribe processing. Reserve deposit service application is received through a wired or wireless network 132 including Internet banking, mobile banking, or phone banking, or through a bank terminal 160 directly connected to a bank server 160 by a dedicated communication network 142. Can be.

In addition, the reserve deposit subscription processing unit 112 may receive subscription information for the subscription processing of the service from the mother account holder terminal 152 or the bank terminal 160.

The subscription information of the service may include, for example, the personal information of the parent account holder, the personal information of the customer who will accumulate the reserve, or the standard information indicating the criteria for allocating a sub account to the customer. The reference information may be, for example, a customer name, a customer account number, a customer phone number, a customer social security number, or the like.

If the reference information is a customer name, for example, the parent account holder who applies for the service may set the 'customer name' itself as the reference information. In this case, the sub account allocator 114 to be described later may allocate a separate sub account to each customer having a different name based on the name of the customer who deposited the reserve. As another example, the parent account holder applying for the service may pre-populate the name of a real customer (for example, 'Hong Gil-dong', 'Kim Yu-na', 'Park Ji-sung') as reference information. It may be. In this case, the sub account allocator 114 to be described later may allocate the sub account only when the name of the customer who deposits the reserve coincides with the name of the customer (that is, the reference information) previously input.

The sub account assigning unit 114 allocates the sub account attached to the mother account to the customer who deposited the reserve, based on the customer's reference information, when the reserve is deposited into the mother account. Then, the sub account allocator 114 links the mother account and the assigned sub account to register with the ledger 122 of the bank database 120. Here, the sub account is not a real account that the assigned customer can actually use as his account, but is a virtual account that is virtually allocated to manage and manage the reserves for each deposit customer. Therefore, the sub account does not necessarily have a separate account number from the parent account, and may be recorded in the ledger 122 of the bank database 120 in association with the parent account.

2 is a diagram showing the configuration of the ledger information 122 of the deposit account in accordance with an embodiment of the present invention.

Referring to FIG. 2, the parent ledger information 210 includes information regarding the total amount of reserves 212 deposited into the parent account by the plurality of customers and the total amount of deposit interest 214 generated from the total amount of reserves. Each time a new deposit is made to the parent account, the reserve amount is continuously updated. In addition, depending on the total amount of reserves and the deposit period of each reserve, the deposit interest amount is also continuously renewed. The parent account ledger information 210 is managed in association with the sub account ledger information 220, 230, and 240 attached to the corresponding parent account.

The sub-account ledger information 220, 230, and 240 includes information about each deposit interest 224, 234, 244, and the deposit interests 224, 234, 244, respectively. When a new sub account is allocated by the sub account assigning unit 114 of FIG. 1, a new sub account linked to the parent account is recorded in the ledger information 122 of the bank database 122.

1 again, the sub account management unit 116 deposits the deposit deposited in the parent account in the sub account assigned to the customer, records in the ledger, and independently calculates the deposit interest generated in the sub account. Therefore, a plurality of customers who have deposited funds in the parent account can receive the deposit interest calculated for each customer according to the period from the time of deposit to the time of return.

On the other hand, the sub account management unit 116, when the request of the parent account holder, when a new deposit is deposited, or periodically, deposits deposited in the parent account, deposit interest generated from the parent account, deposits in the sub account Current information about the processed reserves, and deposit interest arising from the sub-account may be provided to the account holder terminal 152 of the parent account.

When the withdrawal processing unit 118 expires or terminates the parent account or the sub account, the withdrawal process deposited in the sub account and the deposit interest occurring in the sub account are withdrawn or transferred to another account of the customer. For example, if a customer paid a bid / auction deposit to the parent account of a state or public institution, but the bid / auction failed, the withdrawal processor 118 would place the bid / auction deposit deposited in the customer's subaccount. And deposit interest may be withdrawn or transferred to another customer's account.

In addition, the withdrawal processing unit 118 may record the result of the withdrawal processing or transfer processing in the mother account to correspond to the withdrawal or transfer of the sub-account reserve and deposit interest. Therefore, the total amount of reserves and deposit interest of the parent account is equal to the total amount of reserves and deposit interest of the entire subaccount, respectively.

In addition, the withdrawal processing unit 118 may provide the result of the withdrawal processing or transfer processing described above to the account holder terminal 152 of the parent account or the terminal 154 of the customer.

The bank database 120 includes not only the ledger information 122 described above, but also customer information 124 including personal information of the parent account holder and other customers, or management information 126 including the financial or business status of the bank. And so on.

3 is a diagram illustrating a schematic operation process of the entire reserve management system including the reserve deposit account operating apparatus according to an embodiment of the present invention.

Referring to FIG. 3, the mother account holder 310 transmits a deposit deposit service application to the bank server 300 through his terminal or the bank terminal (332). The bank server 300 receiving the service application subscribes to the deposit deposit service based on the subscription information received from the parent account holder 310 (334). After the subscription process is completed, when the customer 320 deposits the reserve into the parent account, the bank server 300 checks whether or not a sub account for the customer 320 exists (338). As a result of the check, if a sub account for the customer 320 does not exist, the bank server 300 allocates a new sub account to the customer 320 and associates with the mother account to register in the ledger (340). The bank server 300 then deposits the deposit deposited by the customer 320 into the assigned subaccount (342). The bank server 300 calculates deposit interest for the deposit deposited in the sub account based on the deposit period of the reserve for each customer (344). Then, when the parent account holder 310 submits an application for expiration or termination of the parent account or sub account to the bank server 300, the bank server 300 withdraws the deposits and deposit interests deposited in each sub account. Or transfer to another account of the customer (348). When the withdrawal process or the transfer process is completed, the bank server 300 may remove the sub account that has been withdrawn or transferred.

4 is a flowchart illustrating a method of operating a reserve account in a bank server according to an embodiment of the present invention.

In operation 402, the bank account server reserves a deposit account service application for the parent account and processes the subscription.

In operation 404, the bank account management device receives the reference information indicating the criteria for allocating the sub accounts.

In step 406, the bank account server checks whether the deposit has been deposited into the parent account.

In step 408, the bank account server reserves, when the deposit is deposited into the parent account, the sub-account attached to the mother account is assigned to the customer who deposited the reserve, and linked to the mother account and the sub account to the ledger Register.

In step 410, the bank account server reserves the deposit account operation, deposits the deposit deposited in the parent account to the sub-account assigned to the customer and records in the ledger.

In operation 412, the bank account management device independently calculates deposit interest generated for each sub account.

In step 414, the bank account server reserves the current information about the deposits deposited in the parent account, deposit interests generated in the parent account, deposits deposited in the sub account, and deposit interests generated in the sub account. Provide to the account holder of the parent account.

In operation 416, the bank account server checks whether the mother account or sub account has expired or terminated.

In step 418, the bank account server reserves, at the expiration or termination of the parent account or sub account, withdraws or deposits deposits accrued from the sub account and transfers to other accounts of the customer. Process.

In step 420, the bank account server reserves the deposit account operating device reflects the result of the withdrawal process or transfer process to the mother account and records in the ledger.

In step 422, the bank account server provides the deposit account operating device, the result of the withdrawal process or transfer process to the account holder terminal of the parent account or the terminal of the customer.

In addition, the deposit account operating method in the bank server according to an embodiment of the present invention may be implemented as a computer-readable code on a computer-readable recording medium. Computer-readable recording media include all kinds of storage devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. The computer readable recording medium may also be distributed over a networked computer system and stored and executed as computer readable code in a distributed manner.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

1 is a block diagram showing an entire reserve operating system including a reserve deposit account operating apparatus according to an embodiment of the present invention.

2 is a view showing the configuration of the ledger information of the deposit account in accordance with an embodiment of the present invention.

3 is a diagram illustrating a schematic operation process of the entire reserve management system including the reserve deposit account operating apparatus according to an embodiment of the present invention.

4 is a flowchart illustrating a method of operating a reserve account in a bank server according to an embodiment of the present invention.

Claims (8)

Receiving and processing a deposit deposit service request for a parent account; When the reserve is deposited into the mother account, allocating a sub account attached to the mother account to the customer who deposited the reserve, and registering the mother account and the sub account in association with the ledger; Depositing the deposit deposited in the mother account into a sub account assigned to the customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And When the mother account or the sub account expires or terminates, depositing the deposit deposited in the sub account and deposit interest generated in the sub account or processing the transfer to another account of the customer; Operating a deposit account at the bank server. The method of claim 1, The deposit deposit service application, the method of operating a deposit deposit account in a bank server, characterized in that received through a wired or wireless communication network including Internet banking, mobile banking, or phone banking, or a bank terminal directly connected to the bank server. The method of claim 1, Receiving and applying for a deposit deposit service request for the parent account may include receiving reference information indicating a criterion for allocating the sub accounts, The reference information may include at least one or more of a depositor's name, a depositor's account number, a depositor's telephone number, or a depositor's social security number. The method of claim 1, wherein Providing the depositor terminal of the parent account with current information about the deposit deposited in the parent account, the deposit interest generated in the parent account, the deposit deposited in the sub account, and the deposit interest generated in the sub account; Operation method of the deposit deposit account in the bank server, characterized in that it further comprises. The method of claim 1, wherein And recording the result in the ledger by reflecting the result of the withdrawal process or the transfer process with respect to the parent account. The method of claim 1, wherein And providing the result of the withdrawal processing or the transfer processing to the account holder terminal of the mother account or the terminal of the customer. Reserve deposit subscription processing unit for receiving and processing the deposit deposit service application for the parent account; A sub account allocator configured to allocate a sub account attached to the mother account to the customer who deposits the reserve, and associate the mother account with the sub account to register in the ledger; A sub account management unit which deposits the deposit deposited in the mother account into a sub account assigned to the customer, records the deposit in the ledger, and independently calculates deposit interest generated in the sub account; And At the time of expiration or termination of the mother account or the sub-account, the deposits and deposit deposits processed in the sub account and the withdrawal processing unit for withdrawal processing or transfer processing to another account of the customer, characterized in that it comprises a withdrawal processing unit A device for operating a deposit account at a bank server. Receiving and processing a deposit deposit service request for a parent account; When the reserve is deposited into the mother account, allocating a sub account attached to the mother account to the customer who deposited the reserve, and registering the mother account and the sub account in association with the ledger; Depositing the deposit deposited in the mother account into the sub account assigned to the customer and recording the deposit in the ledger, and independently calculating the deposit interest generated in the sub account; And At the time of expiration or termination of the parent account or the sub-account, withdrawing the deposit deposited in the sub-account and deposit interest generated in the sub-account or transferring it to another account of the customer; A computer-readable recording medium having recorded thereon a program for executing a method of operating a deposit account at a bank server.

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