KR20120045297A - System and providing method for integrated account management system - Google Patents

Abstract

PURPOSE: A combined account management system and a providing system thereof are provided to combine different accounts or financial products as a user wants, thereby enabling the user to design a logical financial product with a new feature. CONSTITUTION: A logical product operating module(120) operates at least one or more available logical products which are assigned for a user's own use in a financial product of a financial account. A combined account management system includes a GUI corresponding to at least one logical product or a GUI corresponding to a combined logical product generated by a control module(110). An interface module(130) provides at least one or more GUIs to a user terminal corresponding to an owner of the financial account.

Description

System and providing method for integrated account management system

The present invention relates to a complex account management system and a method for providing the same. More particularly, the present invention relates to a system and a method for providing a financial product or a logical account having new characteristics by combining an account or a financial product as desired by a user. It is about.

Financial accounts or financial instruments operated by most conventional financial institutions are each characterized. For example, a particular financial account may only hold certain assets, or interest or return risk may be predetermined. In this case, the financial account may be treated as one financial product by itself. That is, a financial account such as a savings account, a savings account, or the like may be an account capable of holding one financial product, and the account itself may mean one financial product.

In addition, in the case of a specific financial product, the yield, risk, investment method, interest, etc. of the financial product are pre-designed and provided to the consumer, and the consumer must select and join any one of the financial products pre-designed by the financial institution. Therefore, even if there is no financial product having the desired characteristics, consumers are forced to select or subscribe to a financial product that is similar or most similar to the desired characteristics.

In general, the design of the characteristics of a financial instrument is designed based on various financial engineering theories and / or statistical theories, so that one of them cannot be easily modified. Therefore, even if each customer wants a different characteristic of the financial product, he or she can only select among the precomputed and designed financial products and recommend it to the consumer. The characteristics of the financial product (eg, yield, risk, investment) Method, interest, etc.) cannot be changed.

Therefore, consumers may want to easily design financial instruments with different characteristics by using existing financial instruments or want financial instruments with similar effects to joining financial instruments with different characteristics. have.

Therefore, the composite account management system and the method of providing the same according to an embodiment of the present invention design a logical financial product having a new characteristic by combining different financial products (or a part) that already exist in a manner desired by the user. It is possible to provide a system and a method which can achieve the same or similar effect as the subscription to the logical financial product.

In an account management system capable of managing a financial account for achieving the technical problem, the account management system to operate at least one logical product divided for the user's desired use within the financial products included in the financial account And a first logical product and a predetermined combined product operated by the logical product operating module and the logical product operating module included in the financial account, the product characteristics of the first logical product and the product of the combined product And a control module for generating a composite logical product having a composite product characteristic based on the characteristic.

The combined product may include a second financial product included in a second financial account managed by the account management system, a second logical product classified within the second financial product, and another financial account managed by another account management system. It may be at least one of other financial products included in, or third logical products separated within the other financial products.

Each of the product characteristics of the first logical product and the product characteristics of the combined product may include at least one of a yield, an interest, or a risk of each of the first logical product and the combined product.

The composite account management system may include at least one of a GUI corresponding to each of the at least one logical product operated by the logical product operation module or a GUI corresponding to the composite logical product generated by the control module. It may further include an interface module for providing to the user terminal corresponding to the.

When the GUI corresponding to the complex logical product is selected by the user terminal, the interface module may provide the user terminal with information about the first logical product and the combined product constituting the complex logical product. .

The logic product operation module may perform a transfer to the generated complex logical product or may perform a transfer from the complex logical product to another account.

The composite product characteristic may be determined based on a product characteristic of each of the first logical product and the combined product constituting the composite logical product and a composition ratio of the first logical product and the combined product.

The control module sets a deposit and withdrawal condition based on a ratio between the first logical product and the combined product constituting the composite logical product, or withdraws and withdraws the composite logical product based on the withdrawal and withdrawal condition information received from a user terminal. The condition may be set.

The deposit and withdrawal condition may include information on withdrawal priority or withdrawal ratio between the first logical product and the combined product.

In a method for providing an account management system that can manage a financial account for solving the technical problem, any one of at least one logical product divided by the user's desired use within the financial products included in the financial account account management system Selecting one first logical product and a predetermined target product and including the selected first logical product and a predetermined target product, based on product characteristics of the first logical product and product characteristics of the target product Generating a composite logical product having a composite product characteristic.

The method for providing a compound account management system may include providing a GUI corresponding to the compound logical product to a user terminal, and when the GUI corresponding to the compound logical product is selected by the user terminal, configuring the compound logical product. The method may further include providing information about the logical product and the combined product to the user terminal.

The complex account management system providing method may be stored in a computer readable recording medium recording a program.

According to a complex account management system and a method of providing the same according to an embodiment of the present invention, a user can design a financial product having a new product characteristic according to a desired use by using an already existing financial product. In other words, the user can effectively design a financial product having a risk, return rate, interest, etc. desired by the user.

In addition, a new financial product can be created by combining financial products included in a plurality of different financial accounts, so that a logical financial product or finance that can overcome the limitations of a specific financial account (for example, the limit of an account). The design of the account is possible.

In addition, it is possible to collect the small amounts held in each financial account and operate as one financial product or financial account.

BRIEF DESCRIPTION OF THE DRAWINGS In order to better understand the drawings cited in the detailed description of the invention, a brief description of each drawing is provided.
1 shows a schematic configuration of a complex account management system according to an embodiment of the present invention.
2 is a view for explaining the concept of creating a composite logical product by the composite account management system according to an embodiment of the present invention.
3 is a diagram illustrating an example in which information about a complex logical product is provided to a user terminal by a complex account management system according to an exemplary embodiment of the present invention.
4 is a view for explaining a method for setting a deposit and withdrawal condition of a compound logical product generated by the compound account management system according to an embodiment of the present invention.
FIG. 5 is a diagram for describing a method of performing a transfer for a complex logical product generated by a complex account management system according to an exemplary embodiment of the present invention.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component.

Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

1 shows a schematic configuration of a complex account management system according to an embodiment of the present invention.

Referring to FIG. 1, the complex account management system 100 according to an exemplary embodiment of the present invention includes a control module 110 and a logic product operation module 120. The complex account management system 100 may further include an interface module 130.

The complex account management system 100 is installed in a system (eg, a securities company) of a predetermined financial institution (eg, a bank, a securities company, etc.) capable of managing a financial account, or is installed in a system of the financial institution (eg, a securities company). It can be implemented separately from the system) to implement the technical idea of the present invention while transmitting and receiving the predetermined information with the complex account management system 100.

The compound account management system 100 is connected to any one of the terminals (200, 210) of the user having a financial account managed by the compound account management system 100 through a wired / wireless network to the technical idea of the present invention It can transmit and receive predetermined information to implement. An example of the user's terminals 200 and 210 may be a data processing system 200 such as a computer, a laptop, a notebook, or the like. In addition, another embodiment of the user's terminal (200, 210) may be a mobile terminal (eg, mobile phone, smart phone, etc. 210). As will be described later, the user terminals 200 and 210 may include a touch panel for receiving a predetermined input signal from the user. Accordingly, a user may input a predetermined input signal to the terminal 200 or 210 of the user through a predetermined touch operation to implement the technical idea according to an embodiment of the present invention, and the input input signal may be a complex The data management system 100 may be transmitted to the account management system 100 to perform corresponding data processing. However, the terminal 200, 210 of the user does not necessarily have to have a touch panel, and is connected to the complex account management system 100 through a wired / wireless network to the predetermined account management system 100. It can be used as a meaning including all types of data processing apparatus capable of transmitting a control signal to select a product constituting the composite logical product according to an embodiment of the present invention or to transmit predetermined information for determining the characteristics of the composite product. . According to an embodiment, a predetermined web client may be installed in the terminal 200 or 210 of the user, and the web client and the complex account management system 100 may transmit and receive necessary information. The technical spirit of the present invention may be implemented. The web client may be implemented as a script used in a web browser, a mobile browser, or the like, may be installed in an add-on form, or may be implemented as an independent application (mobile application).

The complex account management system 100 may refer to a logical configuration having hardware resources and / or software necessary for implementing the technical idea of the present invention, and necessarily means one physical component. It does not mean one device. That is, the complex account management system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention. If necessary, the complex account management system 100 may be installed in devices spaced apart from each other. It may be implemented as a set of logical configurations for implementing the technical idea of the present invention. In addition, the complex account management system 100 may refer to a set of components separately implemented for each function or role for implementing the technical idea of the present invention.

For example, each of the control module 110, the logic product operation module 120, and / or the interface module 130 may be located in different physical devices or in the same physical device. In some embodiments, a combination of software and / or hardware constituting each of the control module 110, the logic product operation module 120, and / or the interface module 130 may also be located on different physical devices. For example, components located in different physical devices may be organically combined with each other to implement each of the modules.

In addition, the term module in the present specification may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.

The control module 110 may include other components (eg, the logic product operation module 120, and / or the interface module 130) included in the complex account management system 100 to implement the technical idea of the present invention. Etc.) can be controlled.

The control module 110 generates a complex logical product combining a first logical product, which is at least a part of a financial product included in at least one financial account managed by the complex account management system 100, and a predetermined combined product. can do. The composite logical product includes the first logical product and the combined product, and may be generated to have a composite product characteristic based on the product characteristic of the first logical product and the product characteristic of the combined product.

That is, the control module 110 may combine two financial products to generate a new financial product, that is, a complex logical product. At this time, any one of the financial products to be combined may be a logical product. In the present specification, the logical product may be a predetermined financial product that is set to be distinguished from the original financial product by the user's needs as a logical product rather than an actual financial product.

If a predetermined financial account is an account designed as one financial product, the financial account itself may be one financial product. For example, a free deposit and withdrawal savings account, a savings account, or a specific fund account can be treated as a financial instrument by itself. As such, if the account itself is a financial instrument, the logical instrument identified or separated as part of the financial instrument may be one logical account. The technical idea and concept of such a logical account have been disclosed in detail in the Korean patent application (Application No. 10-2010-0106685, "Logical Account Management System and its provision method", hereinafter referred to as "application") filed by the present applicant. The technical spirit disclosed in the earlier application and the description thereof may be included as a reference of the present specification.

The earlier application details the concept of a logical account, which may also be treated as a logical financial instrument. In addition, an actual financial account may also be treated as an actual financial instrument.

Accordingly, the term financial instrument in the present specification refers to individual financial instruments (eg, stocks, bonds, reserve funds, etc.) included in the financial account when the financial account may include various kinds of financial instruments. It may be a real financial account itself managed by the complex account management system 100 itself.

For example, there may be a savings account that can hold cash. Then, the savings account may itself be a financial product. Accordingly, the predetermined logical product may mean a logical account or a virtual account that can be used as a means for holding cash, which is classified as a user desired within the scope of the financial product. Since a detailed description of such a logical product (ie, a logical account) is disclosed in detail in the earlier application, the detailed description thereof will be omitted.

Meanwhile, a predetermined financial account managed by the complex account management system 100 may have a plurality of financial products. For example, Fund 1 and Fund 2 may be held in certain financial accounts. In this case, individual funds may be financial instruments. For example, setting a predetermined logical product in fund 1 may mean a predetermined logical product or a virtual financial product having the same product characteristics as that of fund 1 and occupying a part of the value of fund 1. Such logical products may be set according to the user's desired use as disclosed in the earlier application. As such, when the logical product is established, the logical product may be specified as a virtual logical product having only a part of the value of the financial product (eg, Fund 1) in the original financial product (eg, Fund 1). If the value of the current financial instrument (eg, Fund 1) is 100, the user may set a predetermined logical instrument 1 of 20 value. The logical product may be divided into a user's desired use. The product characteristics (eg, yield) of the logical product 1 may naturally inherit the product characteristics of the original financial product (eg, Fund 1).

Hereinafter, for convenience of explanation, when the financial account itself is one financial product, the logical product may function as a logical account disclosed in the first application. In other words, it is possible to deposit or withdraw money for the logical product, and also set a predetermined condition (that is, an account condition at an earlier application) for the logical product.

If the financial account can hold a plurality of individual financial products, the predetermined logical products divided within the individual financial products may have a predetermined value, and in some cases, deposit and withdrawal of the logical product. May not be possible. Whether withdrawal and withdrawal is possible may be determined according to the characteristics of the original financial product including the logical product.

Hereinafter, for convenience of explanation, the case where the financial account itself is one financial product will be described as an example, but the average expert in the technical field of the present invention can easily deduce that the scope of the present invention is not limited thereto. .

The control module 110 may combine a first logical product and a combined product included in a predetermined financial account managed by the complex account management system 100 to generate a complex logical product. The first logical product may be set within a range of financial products included in the financial account. In this case, the financial product included in the financial account may mean the financial account when the financial account itself is one financial product. For example, as shown in FIG. 2A, the financial account A may be one financial product. Then, at least one predetermined logical product (eg, logical product 1 and logical product 2) may be set within the range of the financial product. The logical product may be set according to a user's desired use. For example, in a state in which the financial account A (ie, the financial product) contains one million won, the user may create a logical product (logical account) named 'free account' according to his purpose. In addition, 400,000 won of the million won can be deposited into the 'free account'. Then, there is actually no movement of money between financial accounts, the 400,000 won may be a logical holding means of 'free account' that can be logically distinguished from the remaining 600,000 won.

Such a logical product may be operated by the logical product operation module 120. Operation of the logical product may mean that a predetermined logical product is created, separated, combined, or deleted according to a user's use. The operation of the logical product may be performed by a user's request input through the user terminals 200 and 210, and the logical product operation module 120 may generate, separate, combine, and combine the logical product according to the request. And / or may perform the function of deletion.

As a result, the control module 110 may combine a first logical product and another financial product (combined product) to generate a complex logical product, which is a new logical product having a desired use by the user. In this case, the combined product may be an actual financial product or a logical product. In addition, the combined product may be a financial product included in a financial account different from the financial account in which the first logical product is included. Accordingly, the control module 110 may combine two logical products included in different financial accounts to generate one composite logical product. Accordingly, the user generates a desired logical product in each financial account. By combining the generated logical products with each other, it is possible to create a complex logical product having the characteristics desired by the user. According to an embodiment, the combined product may be a financial product (actual financial product and / or logical product) included in an account managed by another financial institution other than an account managed by the complex account management system 100. In this case, the other financial institution system and the composite account management system 100 may transmit and receive predetermined information necessary to perform a function as described below.

The complex logical product may have a compound product characteristic that is affected by each of the product characteristics of the two financial products that are combined. This will be described with reference to FIG. 2.

2 is a view for explaining the concept of creating a composite logical product by the composite account management system according to an embodiment of the present invention.

First, referring to FIG. 2A, financial account A 10 may itself be treated as a financial product. For example, the financial account A 10 may be a general deposit account having a yield (or interest) of 6%, and the financial account A 10 may be a financial product having a yield (or interest) of 6%.

The user may request the generation of the logical product 1 and the logical product 2 in the financial product 10 through the user terminals 200 and 210, and in response, the logical product operation module 120 may request the logical product 1 and logic. Product 2 can be created.

In addition, the user may have a financial account B, and the financial account B 20 may be a general deposit account with a 10% yield (or interest). Then, the financial account B 20 may be a financial product having a yield (or interest) of 10%.

The user may request the creation of the logical product 3 and the logical product 4 in the financial product 20 through the user terminals 200 and 210, and in response, the logical product operation module 120 may request the logical product 3 and the logical product. Product 4 can be created.

Each logical product (logical products 1 to 4) can be created according to a user's desired use, which is shown in FIG. 2B.

Referring to FIG. 2B, the logical product 1 may be a logical product (or a logical account) set for the use of tuition, and the logical product 2 may be a logical product (or a logical account) set for the user's free use. In addition, logical product 3 included in the other financial instrument (financial account) may also be a logical instrument (or logical account) set up for free use, and logical product 4 is a logical instrument set up to purchase a car. (Or logical account).

At this time, the user may want to combine the logical product 2 (free account 1) and the logical product 3 (free account 2) for a new purpose (eg, European travel expenses) or for an existing purpose. Then, the user may transmit a request for generation of the composite logical product 30 combining the logical product 2 and the logical product 3 to the composite account management system 100 through the user terminals 200 and 210. The control module 110 may generate the complex logical product 30 as a new logical product.

The generated composite logical product 30 may be treated like a separate financial product. For example, the complex logic product 30 may be included in the list of financial product information owned by the owner, and the deposit and withdrawal may be performed for the complex logic product 30. That is, the user may provide a predetermined UI or provide a predetermined service (eg, a deposit and withdrawal service) so that the user may treat the complex logical product 30 in the same manner as other separate financial products.

In addition, the generated composite logical product 30 is based on the product characteristics (eg, yield, interest, risk, etc.) of the financial products (ie, logical products 2 and 3) constituting the composite logical product 30. It has complex product characteristics. In addition, the composite product characteristics may be affected by the composition ratio of the financial products (eg, logical products 2 and 3) constituting the composite logical product 30. For example, if the financial products constituting the composite logic product 30 (eg, logic products 2 and 3) have the same composition ratio (eg, 1: 1), among the composite product characteristics of the composite logic product 30. The yield can be 8%.

The configuration ratio may be set by the user or may be automatically determined by the control module 110. For example, when no assets are included in the logic product 3 and the logic product 4, the user may determine the composition ratio of the logic product 3 and the logic product 4 to transmit to the control module 110. For example, if the asset value included in the logical product 3 is 10 and the asset value included in the logical product 4 is 20, the constituent ratio constituting the composite logical product 30 may be automatically set to be 1: 2. Parameters for the control module 110 to automatically determine the composition ratio of the complex logic product 30 may vary. For example, if the ratio of the risk calculated in a predetermined manner is 1: 2, the control module 110 may set the ratio of the components constituting the composite logic product 30 to 2: 1. Alternatively, the ratio of constituting the composite logical product 30 may be determined in proportion to the yield of each financial product.

As a result, the composite logical product 30 has a product characteristic (for example, a yield of 8%) that is different from the product characteristics (for example, a yield of 6% or 10%) of an existing financial product (eg, logical products 2 and 3). The new financial product (ie, the complex logic product 30) can be used to raise funds for a desired purpose (eg, European travel expenses). In addition, by setting the composition ratio of the complex logical product 30 differently, it is effective to design a financial product as desired so that the product characteristics (for example, the yield) are different.

On the other hand, the composite logical product 30 generated by the control module 110 may be a virtual financial product defined logically, but may support interfaces and services in the same manner as an actual financial product.

To this end, the interface module 130 may transmit a GUI corresponding to the complex logic product 30 to the user terminals 200 and 210, and the complex logic product 30 may be added to a list of financial products owned by the user. May be included.

3 is a diagram illustrating an example in which information about a complex logical product is provided to a user terminal by a complex account management system according to an exemplary embodiment of the present invention.

3 and 1, the interface module 130 is not only a GUI corresponding to an actual financial product, but also a GUI corresponding to a logical product generated or set by a user's needs according to the technical spirit of the present invention. By providing the user with the software, the user can configure the financial product as he / she wants or needs, while still intuitively understanding it. For example, the GUI corresponding to the actual financial product may be displayed by a solid line, and the GUI corresponding to the logical product may be displayed by a dotted line as shown in FIG. 3. Of course, in addition to the method illustrated in FIG. 3, GUIs corresponding to respective financial products (actual financial products and logical products) may be displayed in various ways and in various shapes.

In addition, when the user requests a list view of the financial products he owns, the composite account management system 100 may provide the financial product list 40 as shown in FIG. 3 to the user. In this case, the financial product list 40 includes not only a GUI (not shown) corresponding to an actual financial product, but also a GUI corresponding to each of logical products (eg, 11 and 22) operated by the logical product operation module 120. May be included. In addition, a GUI corresponding to the complex logic product 30 generated by the control module 110 may be included.

In addition, when a user requests a detailed view of the composite logical product 30 using a predetermined input device (eg, a touch panel, a mouse, or a keyboard), the composite account management system 100 may request the composite logical product. Providing information (eg, respective product characteristics, composition ratios, etc.) about the financial products (eg, logical products 2 and 3) constituting the 30 to the user terminals 200 and 210 through the predetermined UI 31. You may. 3 illustrates an example in which the ratio of components constituting the composite logical product 30 is 35:65.

In this way, the complex logical product 30 generated by the control module 110 may be treated as one new financial product like other financial products (actual financial products or logical products).

In addition, in order for the generated composite logical product 30 to be treated as one financial product, a transfer may be performed on the composite logical product 30. The fact that the transfer is performed on the composite logical product 30 may mean that the composite logical product 30 may be set as a withdrawal account or a deposit account (for example, when cash is transferred). That is, cash or other assets may be transferred from another account to the complex logical product 30, or cash or other assets may be transferred from the complex logical product 30 to another account. As a result, there is an effect that can be transferred at once even to the complex logical product 30 combined with the financial products contained in different financial accounts. Therefore, it is not necessary to repeat the transfer to each financial product included in the different financial account, so that the user can make the composite logical product 30 recognize as one perfect financial product as the other financial products. have.

In this way, a predetermined deposit and withdrawal condition may be set in order for the transfer to be performed on the complex logic product 30, which will be described with reference to FIG. 4.

4 is a view for explaining a method for setting a deposit and withdrawal condition of a compound logical product generated by the compound account management system according to an embodiment of the present invention.

3 and 4, the control module 110 may set a deposit and withdrawal condition as one of the compound product characteristics of the compound logical product 30. The deposit and withdrawal condition may be a predetermined condition for determining the manner in which the transfer is actually performed when the transfer is performed for the complex logical product 30.

The withdrawal and withdrawal conditions may include information on withdrawal priority or withdrawal ratio. For example, when a user wants to withdraw cash from the composite logical product 30, the user may preferentially withdraw the money according to a predetermined priority (eg, the order of the logical products 2 and the logical products 3). In other words, cash is first withdrawn from a specific financial product (eg, logical product 2) among the financial products (eg, logical products 2 and 3) constituting the composite logical product 30, and when a shortage occurs, the next priority (eg, In this case, cash may be withdrawn from the logical product 3). The information about the priority may be received by the control module 110 through the user terminals 200 and 210. Then, the control module 110 may store predetermined information corresponding to the complex logical product 30 in an account DB (not shown), together with information on the priority. The account DB (not shown) includes accounts (actual financial accounts and logical accounts) and financial products (actual financial products, logic products, and complex logic products 30) managed by the complex account management system 100. Information about the financial account included, and information about the assets held.

Then, while the composite logical product 30 is operated by the logical product operation module 120, when there is a transfer request for the composite logical product 30, the composite logical product 30 actually corresponds to the stored information about the priority. You can make a transfer from your account.

According to the embodiment, the transfer targeting the complex logic product 30 may be performed according to a predetermined deposit and withdrawal ratio. As shown in FIG. 4, the deposit and withdrawal ratio may be automatically set according to product characteristics (eg, yield or risk) or composition ratio of the financial products constituting the composite logical product 30, or may be directly set by a user. have.

For example, when the deposit is made to the complex logic product 30, the ratio of the financial products (eg, logic products 2 and 3) constituting the complex logic product 30 to the rate of return (risk) is proportional to (inversely proportional). The withdrawal ratio (eg, 6:10) may be set. In addition, when a withdrawal is made with respect to the composite logical product 30, the ratio (inversely proportional) to the rate of return (risk) of each of the financial products constituting the composite logical product 30 (for example, logical products 2 and 3) is proportional to each other. The deposit and withdrawal ratio (eg, 10: 6) may be set.

Alternatively, the deposit and withdrawal ratio (eg, 35:65) may be automatically set according to the composition ratio (eg, 35:65) of the financial products (eg, logic products 2 and 3) constituting the composite logical product 30. have. Alternatively, the deposit and withdrawal ratio may be directly set by the user.

The user may select how to set the deposit and withdrawal ratio (eg, return ratio, risk ratio, or financial product composition ratio, etc.) even when the deposit and withdrawal ratio is automatically set by the control module 110.

If the deposit and withdrawal ratio is automatically set according to the composition ratio (eg, 35:65) of the financial instruments (eg, logical products 2 and 3) constituting the composite logical product 30, the actual cash movement The path may be as shown in FIG. 5.

FIG. 5 is a diagram for describing a method of performing a transfer for a complex logical product generated by a complex account management system according to an exemplary embodiment of the present invention.

FIG. 5 illustrates a case where a deposit and withdrawal ratio is set according to a constituent ratio (eg, 35:65) of the financial instruments constituting the composite logical product 30 (eg, logical products 2 and 3), see FIG. 5. Then, the complex account management system 100 may provide a user with a predetermined transfer UI 60 at the request of the user terminals 200 and 210.

Referring to FIG. 5A, a user may set the composite logical product 30 as an object to withdraw and set logical product 1 as an object to deposit. And the transfer amount may be set to 10000 won. Then, among the financial products constituting the composite logical product 30, logical goods 2 to 3,500 won will be transferred to logic product 1, and logical goods 3 to 6,500 won will be transferred to logic product 1 according to the deposit and withdrawal ratio. Can be. At this time, since the logical products 2 and 1 are all included in the same physical financial account, no transfer occurs, and the cash held in the logical product 2 is reduced by 3500 won and the cash held by the logical product 1 is increased by 3500 won. Record only). Therefore, the actual movement of cash may be 6500 won from the financial account B to the financial account A as shown in Figure 5b, the moved 6500 won can be treated as being deposited in the logical product 1.

Meanwhile, as shown in FIG. 5C, the withdrawal target is the composite logical product 30 and another financial account other than the financial account A or B may be set as the target to be deposited. And the transfer amount may be set to 10000 won. Then, among the financial products constituting the composite logical product 30, KRW 3,500 in the logical product 2 may be transferred to the other financial account, and KRW 6,500 in the logical product 3 may be transferred to the other financial account according to the deposit and withdrawal ratio. have. Then, the actual movement of cash may be as shown in FIG. 5D. Then, the logic product operation module 120 records information corresponding to the account DB (not shown) as if 3500 won was withdrawn from the holding amount of the logical product 2, and 6500 won from the holding amount of the logical product 3 was recorded. As withdrawn, information corresponding to the account DB (not shown) can be recorded.

In FIG. 5, the withdrawal is described with respect to the composite logical product 30, but the transfer may be performed in a similar manner even when the withdrawal is made.

As described above, according to the technical idea of the present invention, a user may set a predetermined logical product by dividing the financial product according to a desired use and size (value), and the financial product different from the logical product (for example, the actual product). Financial products or logical products) can be combined to create complex logical products with new product characteristics. In this case, the product characteristics of the generated composite logical product may be adjusted according to the composition ratio of the financial products to be combined. In addition, when the composite logical product is composed of only real financial products, only a limited combination of real financial products is possible, and thus, the product characteristics of the generated composite logical product are not limited, but in the technical concept of the present invention, Can generate a logical product within the scope of the actual financial product as desired, so that a complex product having various spectrums of product characteristics can be generated depending on how the logical product is generated (e.g., what size or value to produce). The design of the logic product may be possible.

In addition, the generated composite logical product has the same effect as providing the same functions and services (eg, transfer service, etc.) as the actual financial product, so that the user can use his / her existing financial product for his intended purpose. The financial products with the desired product characteristics can be directly designed to manage assets.

In addition, according to the technical concept of the present invention, it is possible to combine the financial products included in the different financial accounts to generate new financial products (ie, complex logical products), so it is necessary to collect a small amount of money in each financial account. It is also possible to design a financial instrument and operate it as if it were a financial instrument.

The method of providing a complex account management system according to an embodiment of the present invention may be implemented as computer readable codes on a computer readable recording medium. Computer-readable recording media include all kinds of recording 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, hard disk, floppy disk, optical data storage, and the like, and also in the form of carrier waves (e.g., transmission over the Internet). It also includes implementations. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

Claims (12)

In the account management system that can manage financial accounts,
The account management system may include a logic product operation module for operating at least one logical product classified for a user's desired purpose within a financial product included in the financial account; And
A complex product characteristic based on a product characteristic of the first logical product and a product characteristic of the to-be-combined product, the first logical product being operated by the logic product operation module and included in the financial account; Complex account management system comprising a control module for generating a complex logical product having a.
The method of claim 1, wherein the target product is
A second financial product included in a second financial account managed by the account management system, a second logical product classified within the second financial product, and another financial account included in another financial account managed by another account management system; Commodity, or a composite account management system, characterized in that at least one of the third logical products separated in the other financial products.
The method of claim 1, wherein the product characteristics of the first logical product and the product characteristics of the combined product,
And at least one of a yield, an interest, or a risk of each of the first logical product and the combined product.
The method of claim 1, wherein the complex account management system,
At least one of a GUI corresponding to each of the at least one logical product operated by the logical product operation module or a GUI corresponding to a composite logical product generated by the control module is transferred to a user terminal corresponding to the owner of the financial account. Complex account management system further comprising an interface module for providing.
The method of claim 1, wherein the interface module,
If a GUI corresponding to the composite logical product is selected by the user terminal,
And providing information about the first logical product and the combined product constituting the composite logical product to the user terminal.
According to claim 1, wherein the logic product operation module,
Composite account management system, characterized in that for performing the transfer to the complex logical product or the transfer from the complex logical product to another account.
The method of claim 1, wherein the composite product characteristics,
And a composite account management system determined based on product characteristics of each of the first logical product and the combined product constituting the composite logical product, and a composition ratio of the first logical product and the combined product.
The method of claim 1, wherein the control module,
Setting a deposit and withdrawal condition based on a ratio of the first logical product and the combined product constituting the composite logical product;
And setting the deposit and withdrawal conditions of the compound logical product based on the deposit and withdrawal condition information received from the user terminal.
According to claim 8, The deposit and withdrawal conditions,
Complex account management system including information on the withdrawal priority or withdrawal ratio between the first logical product and the combined product.
In the account management system providing method that can manage the financial account,
Selecting, by the account management system, any one of the first logical product and the predetermined combined product among at least one logical product classified for a user's desired purpose within the financial product included in the financial account; And
A composite account comprising the selected first logical product and a predetermined to-be-combined product, comprising: generating a compound logical product having a compound product characteristic based on a product characteristic of the first logical product and a product characteristic of the combined product; How to provide a management system.
The method of claim 10, wherein the complex account management system is provided.
Providing a GUI corresponding to the complex logical product to a user terminal; And
If a GUI corresponding to the composite logical product is selected by the user terminal, providing the user terminal with information about the first logical product and the combined product constituting the composite logical product; Account Management System.
A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 10 to 11.

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